Guidance for TSP, 401(k), 403(b), 457 and Workplace Retirement Decisions
Support for making informed decisions around employer retirement plans, workplace accounts, rollovers, and long-term retirement strategy, including professional management of eligible TSP, 401(k), 403(b), and 457 accounts while you remain with your current employer.
Professional Management of Your Individual TSP, 401(k), 403(b) or 457 Plan
Workplace retirement accounts can play an important role in your long-term financial future, but they are often only one piece of the larger plan. HarborPoint Wealth Partners helps individuals, professionals, and business owners understand how 401(k)s and other workplace accounts may fit alongside investments, retirement income planning, taxes, estate considerations, and future goals.
Unlike many advisors, we can professionally manage and trade eligible individual TSP, 401(k), 403(b), and 457 accounts while you remain employed. This gives you access to professional investment management without having to leave your employer or roll your account into an IRA.
Not all workplace plans may be eligible for professional management. Speak with your Advisor for details.
Who This Is for
This service is designed for employees, executives, business owners, and professionals who want clearer guidance around workplace retirement accounts. It may be helpful when choosing contribution levels, evaluating investment options, considering rollovers, changing jobs, preparing for retirement, or coordinating employer-sponsored benefits with personal wealth planning.
Key Workplace Account Considerations
Rollovers & Retirement Transitions
Changing jobs or retiring can create questions about old workplace accounts, rollovers, income needs, and tax considerations.
Investment Selection & Risk Alignment
Workplace plans often include a limited investment menu. We help you evaluate options in the context of your broader portfolio and risk tolerance.
Contribution & Savings Strategy
We help you think through how workplace savings fit with your cash flow, goals, retirement timeline, and other financial priorities.
Key Workplace Account Considerations
1
Contribution & Savings Strategy
We help you think through how workplace savings fit with your cash flow, goals, retirement timeline, and other financial priorities.
2
Investment Selection & Risk Alignment
Workplace plans often include a limited investment menu. We help you evaluate options in the context of your broader portfolio and risk tolerance.
3
Rollovers & Retirement Transitions
Changing jobs or retiring can create questions about old workplace accounts, rollovers, income needs, and tax considerations.
The HarborPoint Approach
We help you see your workplace accounts as part of your full financial picture. Rather than treating a TSP Account, 401(k), 403(b), 457 or other retirement account as a standalone account, we consider how it connects to your retirement goals, investment strategy, tax planning, estate planning, and long-term income needs.
From Account Questions to a Coordinated Strategy
Guide
We provide ongoing support as your job, benefits, plan options, family needs, and retirement timeline change.
Develop
We help build a coordinated strategy that considers workplace savings, investment alignment, tax considerations, and long-term retirement needs.
Discover
We review your current workplace accounts, retirement goals, available plan options, contribution strategy, and broader financial picture.
Frequently Asked Questions
Do you work with business owners on retirement plan decisions?
Yes. Business owners often need to coordinate personal planning, workplace benefits, retirement plan decisions, and long-term business goals.
Can you help with old 401(k) accounts?
Yes. If you have retirement accounts from previous employers, we can help you evaluate your options and how each choice may fit with your broader plan.
Can you help me understand my 401(k) options?
Yes. We can help review how your workplace account options may fit into your broader financial plan and retirement strategy.
Expert Guidance Delivered to Your Inbox
Get practical insights on retirement, wealth management, and financial planning from the HarborPoint team.
Virginia Beach Office
One Columbus Center
283 Constitution Drive, Suite 540
Virginia Beach, VA 23462
Chesapeake Office
555 Belaire Avenue, Suite 210
Chesapeake, VA 23320