Tactical Strategy Overview 

The tactical Strategy is designed for you if you are in the 3rd or 4th quarter of your career (typically between the ages of 45 and Retirement).  Why? Because if you suffer another large loss in your retirement portfolio you may have to either delay retirement or reduce your standard of living, maybe significantlyYou see, if your long term return target is 7% or higher, and then you suffer a 30% loss, you have to have at least a 53% return or more to get back on track.

401kWealthPlan offers you the help necessary to actively manage your 401(k) or 403(b) wealth – without attending seminars, spending too much time reading about investments or needing to hire additional outside help.

What does 401kWealthPlan Tactical offer?

  • We help you actively manage the funds in your 401k or 403b plan – guiding you toward an Offensive, Cautionary, or Defensive portfolio allocation based on market risk as measured by our proprietary Risk Flags.  
  • You'll get specific tips on which funds to consider using in your plan and how much to consider allocating to each
  • We continually evaluate market risk and communicate by email when you need to consider shifting to a more conservative investment allocation as risk increases, or more aggressive when risk is lower
  • We typically experience 3 to 5 shifts per year, however it can be less if the market is trending up or down for long periods of time
  • If you link your account to United Capital's GuideCenter we will monitor your allocations monthly and notify you if you need to consider rebalancing your holdings
  • We provide additional resources to help if you want to know if you are on plan to help meet your retirement goals (additional cost will apply)
  • Comes in two allocations options: 80/20, 60/40 (Stock/Bond). This has fewer conservative options as we tell you when to shift into and out of more conservative allocations
401k Wealthplan is a coaching service.  Meaning that we help put you in control of your retirement future.  This also means that you need to take an active role in assuring that your plan is on strategy so you may potentially make money when the market is rising, but help protect your money while markets are declining.  

The Tactical strategy will not stop all losses but it will help to put a floor under how much loss you experience.  The strategy is designed to help prevent the big losses in your portfolio.  No strategy can get you out at the top or in at the bottom, but we can help minimize the losses that you might otherwise experience.  This means shorter time to recovery, and the sooner you recover the sooner you get back to making money.


Investing involves risk and clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. The information contained herein is intended for information only, is not a recommendation to buy or sell any securities, and should not be considered investment advice. 

Equity investing involves market risk, including possible loss of principal. In general the bond market is volatile, and fixed income securities carry interest rate, market, inflation, credit and default risk. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment. It is not possible to directly invest in an index.

See additional disclosure information below

United Capital Financial Advisers, LLC's web site does not represent an offer of or a solicitation for advisory services in any state/jurisdiction of the United States or any country where the firm is not registered, notice filed, or exempt.  United Capital provides advice and makes recommendations based on the specific needs and circumstances of each client.  Clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece to make decisions. United Capital is not a broker dealer and does not offer tax or legal advice. Please consult your tax adviser or legal counsel for assistance with your specific needs.  *United Capital Financial Partners, Inc., is the parent company of United Capital Financial Advisers, LLC, and its affiliates.

Fraudulent websites (phish or spoof websites)  We urge you to protect your online financial activity and deal only with firms you know to be legitimate. Online fraudsters may attempt to direct you to fraudulent websites via email and pop-up windows. These websites are used to try to steal your personal information. One way to detect a phony website is to consider how you got to the site. You may have followed a link in a fraudulent email requesting your personal information. Therefore, you should not click on any links in suspicious emails or pop-up windows. Please be aware that this site is an official website of United Capital, United Capital Financial Partners, Inc. and its affiliates. We do not allow other websites to affiliate with us, and you should not trust any other websites which claim to be affiliated with United Capital.

Third-Party Websites  Some links on this website will direct you to third-party sites. United Capital is not responsible for the content or information provided by these third-party organizations.

Copyright © United Capital Financial Advisers, LLC 2017 All Rights Reserved | See Terms & Conditions for disclosure information | Privacy Policy | Get UC ADV

Powered by Wild Apricot Membership Software
Retire Strong Retire Strong