Curious about Bison Managed 401(k) and how it provides you a better retirement? Let’s explore that together.
Discover just how much more you could earn.
Discover just how much more you could earn.
A Self Directed Brokerage Account is an optional feature offered to most 401k participants that allow employees to invest their retirement savings in a wider range of investments and can offer the opportunity to have a professional advisor manage your account.
A Bison Wealth adviser can help you determine whether your plan offers an SDBA option.
Eligibility depends on your employer’s 401(k) plan rules.
Any employee participating in their company’s retirement plan that offers a self-directed brokerage account can participate.
Yes. You retain full control of your account. Bison Wealth manages the investments on your behalf while you maintain control over your plan participation.
No, SDBA accounts are open to all employees participating in their employer’s retirement account regardless of income or investment experience.
Target Date Funds assume that all investors have the same amount of retirement savings, similar amounts of cash reserves, the same cash flow needs in retirement and the same risk tolerance.
Bison considers each participant’s needs uniquely and our approach is adjusted to your individual goals, risk profile, market conditions using actively monitored management.
Bison continuously monitors the investments in your SDBA and makes adjustments as necessary based upon your investment needs and objectives. rather than a “set it and forget it” approach.
Bison Wealth will help:
Target-date funds follow a one-size-fits-all approach.
Bison Wealth’s Self-Directed Brokerage Account (SDBA) management is actively monitored and adjusted to your individual financial goals, risk profile, and market conditions.
Portfolios are actively monitored and adjusted as needed. This includes rebalancing and strategic updates rather than a “set it and forget it” approach.
No. Your assets remain inside your employer-sponsored 401(k) plan. The Self Directed Brokerage Account (SDBA) is simply an account within your existing plan.
Yes. Your funds stay in your 401(k) and maintain the same protections as the rest of your plan. Nothing is withdrawn or moved outside of your employer’s retirement plan.
Yes. It typically appears as an investment option on your 401(k) statement. Detailed information about your SDBA can be viewed through your plan’s brokerage website.
Yes. You can access your account through your provider, such as Fidelity or Charles Schwab, though specific features vary by plan.
Yes. Rollovers are generally allowed. A Bison Wealth advisor can help you review all available options.
Some plans allow early withdrawals or loans, but these may involve taxes and penalties. Your 401(k) is generally best viewed as long-term retirement savings.
You typically have several options:
Yes, discontinuing assisted management or adjusting your participation can be done at any time based on your plan’s rules.
Depending on what your company allows, your SDBA can offer many investment options. Engaging a management team could help you choose the best options for your long-term success
Your 401(k) options, including your SDBA, will depend on your new employer’s plan. Bison Wealth can help explain your choices when that time comes. The IRS sets the maximum that you and your employer can contribute
Yes. We encourage clients to meet with their advisor at least once a year to review their portfolios.
A Bison Wealth Investment Advisor will guide you through the process and help you make decisions aligned with your goals, needs, and risk tolerance.
While we cannot provide personalized advice, many financial experts suggest contributing at least enough to receive the full employer match. A common guideline is contributing 10–15% of your income, if possible.
Both provide tax advantages:
Yes, for the tax year of 2025 the most you can contribute to a Roth 401k, a traditional 401k, or a combination of the two is $23,500. This rises to $24,500 for 2026
Those aged 50 years and older can contribute an additional $7,500 in 2025 for a total of $31,000 and an additional $8,000 for a total of $32,500 for the year of 2026.
If you plan allows people aged 60 to 63 can contribute an additional $11,250 for a total of $34,750 in 2025 and 2026
Yes. Bison Wealth serves as a fiduciary to all of its clients.
A Self Directed Brokerage Account is an optional feature offered to most 401k participants that allow employees to invest their retirement savings in a wider range of investments and can offer the opportunity to have a professional advisor manage your account.
A Bison Wealth adviser can help you determine whether your plan offers an SDBA option.
Eligibility depends on your employer’s 401(k) plan rules.
Any employee participating in their company’s retirement plan that offers a self-directed brokerage account can participate.
Yes. You retain full control of your account. Bison Wealth manages the investments on your behalf while you maintain control over your plan participation.
No, SDBA accounts are open to all employees participating in their employer’s retirement account regardless of income or investment experience.
Target Date Funds assume that all investors have the same amount of retirement savings, similar amounts of cash reserves, the same cash flow needs in retirement and the same risk tolerance.
Bison considers each participant’s needs uniquely and our approach is adjusted to your individual goals, risk profile, market conditions using actively monitored management.
Bison continuously monitors the investments in your SDBA and makes adjustments as necessary based upon your investment needs and objectives. rather than a “set it and forget it” approach.
Bison Wealth will help:
Target-date funds follow a one-size-fits-all approach.
Bison Wealth’s Self-Directed Brokerage Account (SDBA) management is actively monitored and adjusted to your individual financial goals, risk profile, and market conditions.
Portfolios are actively monitored and adjusted as needed. This includes rebalancing and strategic updates rather than a “set it and forget it” approach.
No. Your assets remain inside your employer-sponsored 401(k) plan. The Self Directed Brokerage Account (SDBA) is simply an account within your existing plan.
Yes. Your funds stay in your 401(k) and maintain the same protections as the rest of your plan. Nothing is withdrawn or moved outside of your employer’s retirement plan.
Yes. It typically appears as an investment option on your 401(k) statement. Detailed information about your SDBA can be viewed through your plan’s brokerage website.
Yes. You can access your account through your provider, such as Fidelity or Charles Schwab, though specific features vary by plan.
Yes. Rollovers are generally allowed. A Bison Wealth advisor can help you review all available options.
Some plans allow early withdrawals or loans, but these may involve taxes and penalties. Your 401(k) is generally best viewed as long-term retirement savings.
You typically have several options:
Yes, discontinuing assisted management or adjusting your participation can be done at any time based on your plan’s rules.
Depending on what your company allows, your SDBA can offer many investment options. Engaging a management team could help you choose the best options for your long-term success
Your 401(k) options, including your SDBA, will depend on your new employer’s plan. Bison Wealth can help explain your choices when that time comes. The IRS sets the maximum that you and your employer can contribute
Yes. We encourage clients to meet with their advisor at least once a year to review their portfolios.
A Bison Wealth Investment Advisor will guide you through the process and help you make decisions aligned with your goals, needs, and risk tolerance.
While we cannot provide personalized advice, many financial experts suggest contributing at least enough to receive the full employer match. A common guideline is contributing 10–15% of your income, if possible.
Both provide tax advantages:
Yes, for the tax year of 2025 the most you can contribute to a Roth 401k, a traditional 401k, or a combination of the two is $23,500. This rises to $24,500 for 2026
Those aged 50 years and older can contribute an additional $7,500 in 2025 for a total of $31,000 and an additional $8,000 for a total of $32,500 for the year of 2026.
If you plan allows people aged 60 to 63 can contribute an additional $11,250 for a total of $34,750 in 2025 and 2026
Yes. Bison Wealth serves as a fiduciary to all of its clients.
