Professionally
Managed
401(k)/403(b)
Accounts
Maximize Returns – Minimize Risk
Open Self-Directed Brokerage Account (SDBA) within your 401(k)/403(b) and let a professional manage it with you.
Here Are Some Remarkable Benefits of SDBA Accounts
Standard Retirement Plans Issue
Traditional retirement plans often offer a limited range of investment options, which can hinder your ability to diversify your portfolio effectively.
SDBA Benefits
Wider investment choices in an SDBA enable greater diversification across different asset classes, industries, geographical locations, and investment styles, potentially reducing risk and enhancing returns.
Solutions We Offer
To address the limited options within your standard retirement accounts, we recommend opening a Self-Directed Brokerage Account (SDBA). This will enable us to broaden your portfolio with a diverse range of investments beyond conventional selections. By doing so, we can potentially enhance returns and minimize risks, ensuring a more secure and personalized path to retirement.
Standard Retirement Plans Issue
Conventional retirement plans often confine you to a narrow set of investment options, significantly stifling your portfolio’s growth and diversification capabilities. This rigid, one-size-fits-all strategy can leave you ill-prepared and vulnerable in the face of today’s multifaceted financial markets, hindering your portfolio’s resilience and potential for prosperity.
SDBA Benefits
The Self-Directed Brokerage Account (SDBA) offers the opportunity for customized portfolio management, allowing investments to be tailored to your specific needs and objectives. This personalized approach can lead to more targeted investment strategies and improved alignment with your long-term financial goals.
Solutions We Offer
We offer a solution that is tailored to meet your financial goals and risk preferences as an individual investor. By choosing to open a Self-Directed Brokerage Account (SDBA), we can create a customized investment portfolio that aligns with your retirement objectives. This personalized strategy is designed to maximize the performance of your portfolio while staying within your risk tolerance level, providing you with a more individualized and practical retirement planning experience.
Standard Retirement Plans Issue
Many conventional retirement plans bind investors to a preset selection of lower-yield investments, which can restrict financial growth and result in minimal returns. This can limit your ability to explore more profitable opportunities, which is especially important in today’s economic climate, where aggressive growth strategies are necessary to maintain long-term wealth in the face of inflation rates.
SDBA Benefits
Opting for a self-directed brokerage account (SDBA) opens the door to a universe of high-yield investment opportunities, which can be a strategic departure from the typical low-return assets found in standard 401(k) or 403(b) plans. The SDBA allows you to build a portfolio that meets and exceeds your ambitious financial targets. The SDBA is highly customizable, allowing you to create an investment strategy that is as dynamic and multifaceted as the markets themselves.
Solutions We Offer
Our strategy is clear: break free from the restrictive bonds of traditional retirement planning by implementing the SDBA. This approach empowers you to diversify into higher-yielding investments, meticulously selected to align with your financial aspirations and risk tolerance. By shifting towards this more enlightened investment paradigm, we aim to transform your retirement savings into a potential powerhouse of growth, ensuring that your financial future is not just secure but also primed for exceptional returns.
Standard Retirement Plans Issue
Retirement plans often lack flexibility, which can be extremely disadvantageous. You can be limited to automated, one-size-fits-all investment solutions within your retirement plans. Although these solutions are convenient, they may not be the most efficient or suitable for your needs. They use a generic asset allocation and risk management approach, which can be disproportionately risky and lead to suboptimal performance.
SDBA Benefits
Unlike automated investments, SDBA gives you control and the ability to customize your portfolio. This personalized investment pathway enables you to make strategic adjustments based on your financial objectives, market conditions, and risk tolerance. As a result, you can potentially achieve more effective asset growth and risk mitigation.
Solutions We Offer
Our solution is to introduce the flexibility of a Self-Directed Brokerage Account (SDBA) into your retirement planning. With an SDBA, we offer a more personalized and sophisticated approach to investing.This adjustment aims to optimize your portfolio performance, align it with your financial situation and retirement goals.
Standard Retirement Plans Issue
Traditional retirement plans often provide a limited scope for managing risks, leaving you exposed to market volatility and other financial uncertainties. This one-dimensional risk management can be inadequate, especially in turbulent market conditions, failing to protect your investments and jeopardizing your financial security.
SDBA Benefits
The Self-Directed Brokerage Account (SDBA) introduces an advanced level of risk management, enabling a more nuanced and responsive approach to protect your assets. With the SDBA, you gain the ability to implement sophisticated strategies such as asset diversification, hedging, and rebalancing tailored to your specific risk tolerance and market outlook. This proactive and dynamic risk management can significantly mitigate potential losses and enhance the stability of your portfolio.
Solutions We Offer
We propose incorporating a Self-Directed Brokerage Account (SDBA) into your retirement planning to go beyond the basic risk management offered by standard retirement plans. Our approach integrates advanced risk management techniques such as strategic asset diversification, dynamic rebalancing, and stop-loss tactics to protect your investments. These measures ensure that your portfolio is shielded against significant market downturns and positioned to take advantage of market upturns.
Standard Retirement Plans Issue
Traditional retirement plans often lack transparency and control over fees, resulting in high administrative costs, fund management fees, and hidden charges that can erode investment returns and leave you with a smaller retirement nest egg than expected.
SDBA Benefits
An SDBA offers transparency and control over fees associated with retirement investments. It allows you to research investments based on cost-effectiveness, minimize unnecessary fees, and optimize investment efficiency, which could lead to higher net returns and a more substantial retirement portfolio.
Solutions We Offer
By integrating a Self-Directed Brokerage Account (SDBA) into your planning, we can actively assist you in reducing unnecessary costs. We can help you choose suitable investments to control costs more directly by selecting funds or assets with lower expense ratios while avoiding higher-fee options often found in 401(k)/403(b) plans.
Maximize Returns – Minimize Risk
Open Self-Directed Brokerage Account (SDBA) within your 401(k)/403(b) and let a professional manage it with you.
Here Are Some Remarkable Benefits of SDBA Accounts
Standard Retirement Plans Issue
Traditional retirement plans often offer a limited range of investment options, which can hinder your ability to diversify your portfolio effectively.
SDBA Benefits
Wider investment choices in an SDBA enable greater diversification across different asset classes, industries, geographical locations, and investment styles, potentially reducing risk and enhancing returns.
Solutions We Offer
To address the limited options within your standard retirement accounts, we recommend opening a Self-Directed Brokerage Account (SDBA). This will enable us to broaden your portfolio with a diverse range of investments beyond conventional selections. By doing so, we can potentially enhance returns and minimize risks, ensuring a more secure and personalized path to retirement.
Standard Retirement Plans Issue
Conventional retirement plans often confine you to a narrow set of investment options, significantly stifling your portfolio’s growth and diversification capabilities. This rigid, one-size-fits-all strategy can leave you ill-prepared and vulnerable in the face of today’s multifaceted financial markets, hindering your portfolio’s resilience and potential for prosperity.
SDBA Benefits
The Self-Directed Brokerage Account (SDBA) offers the opportunity for customized portfolio management, allowing investments to be tailored to your specific needs and objectives. This personalized approach can lead to more targeted investment strategies and improved alignment with your long-term financial goals.
Solutions We Offer
We offer a solution that is tailored to meet your financial goals and risk preferences as an individual investor. By choosing to open a Self-Directed Brokerage Account (SDBA), we can create a customized investment portfolio that aligns with your retirement objectives. This personalized strategy is designed to maximize the performance of your portfolio while staying within your risk tolerance level, providing you with a more individualized and practical retirement planning experience.
Standard Retirement Plans Issue
Many conventional retirement plans bind investors to a preset selection of lower-yield investments, which can restrict financial growth and result in minimal returns. This can limit your ability to explore more profitable opportunities, which is especially important in today’s economic climate, where aggressive growth strategies are necessary to maintain long-term wealth in the face of inflation rates.
SDBA Benefits
Opting for a self-directed brokerage account (SDBA) opens the door to a universe of high-yield investment opportunities, which can be a strategic departure from the typical low-return assets found in standard 401(k) or 403(b) plans. The SDBA allows you to build a portfolio that meets and exceeds your ambitious financial targets. The SDBA is highly customizable, allowing you to create an investment strategy that is as dynamic and multifaceted as the markets themselves.
Solutions We Offer
Our strategy is clear: break free from the restrictive bonds of traditional retirement planning by implementing the SDBA. This approach empowers you to diversify into higher-yielding investments, meticulously selected to align with your financial aspirations and risk tolerance. By shifting towards this more enlightened investment paradigm, we aim to transform your retirement savings into a potential powerhouse of growth, ensuring that your financial future is not just secure but also primed for exceptional returns.
Standard Retirement Plans Issue
Retirement plans often lack flexibility, which can be extremely disadvantageous. You can be limited to automated, one-size-fits-all investment solutions within your retirement plans. Although these solutions are convenient, they may not be the most efficient or suitable for your needs. They use a generic asset allocation and risk management approach, which can be disproportionately risky and lead to suboptimal performance.
SDBA Benefits
Unlike automated investments, SDBA gives you control and the ability to customize your portfolio. This personalized investment pathway enables you to make strategic adjustments based on your financial objectives, market conditions, and risk tolerance. As a result, you can potentially achieve more effective asset growth and risk mitigation.
Solutions We Offer
Our solution is to introduce the flexibility of a Self-Directed Brokerage Account (SDBA) into your retirement planning. With an SDBA, we offer a more personalized and sophisticated approach to investing.This adjustment aims to optimize your portfolio performance, align it with your financial situation and retirement goals.
Standard Retirement Plans Issue
Traditional retirement plans often provide a limited scope for managing risks, leaving you exposed to market volatility and other financial uncertainties. This one-dimensional risk management can be inadequate, especially in turbulent market conditions, failing to protect your investments and jeopardizing your financial security.
SDBA Benefits
The Self-Directed Brokerage Account (SDBA) introduces an advanced level of risk management, enabling a more nuanced and responsive approach to protect your assets. With the SDBA, you gain the ability to implement sophisticated strategies such as asset diversification, hedging, and rebalancing tailored to your specific risk tolerance and market outlook. This proactive and dynamic risk management can significantly mitigate potential losses and enhance the stability of your portfolio.
Solutions We Offer
We propose incorporating a Self-Directed Brokerage Account (SDBA) into your retirement planning to go beyond the basic risk management offered by standard retirement plans. Our approach integrates advanced risk management techniques such as strategic asset diversification, dynamic rebalancing, and stop-loss tactics to protect your investments. These measures ensure that your portfolio is shielded against significant market downturns and positioned to take advantage of market upturns.
Standard Retirement Plans Issue
Traditional retirement plans often lack transparency and control over fees, resulting in high administrative costs, fund management fees, and hidden charges that can erode investment returns and leave you with a smaller retirement nest egg than expected.
SDBA Benefits
An SDBA offers transparency and control over fees associated with retirement investments. It allows you to research investments based on cost-effectiveness, minimize unnecessary fees, and optimize investment efficiency, which could lead to higher net returns and a more substantial retirement portfolio.
Solutions We Offer
By integrating a Self-Directed Brokerage Account (SDBA) into your planning, we can actively assist you in reducing unnecessary costs. We can help you choose suitable investments to control costs more directly by selecting funds or assets with lower expense ratios while avoiding higher-fee options often found in 401(k)/403(b) plans.
Increase Your Potential for Higher Returns with Lower Risk
Increase Your Potential for Higher Returns with Lower Risk
Follow a Simple Three-Step Process
Contact Us
Schedule a 30-minute call to discuss your concerns, current situation, financial goals, risk tolerance, and investment preferences. This brief yet impactful session will ease your concerns about money and your financial future.
Open Self-Directed Brokerage Account
We can help you open an SDBA and connect you with professional money managers who have a proven track record of returns. Our team will help you select investment funds that align with your retirement goals and risk preferences.
Opt In for Ongoing Portfolio Management
Upon your approval, we will execute the plan and adjust it accordingly based on changes in the market or your personal goals. You’ll receive monthly reports on investment performance and market trends.
Our Investment Services
Our Investment Services
Expert analyses, customized strategies, and ongoing support
Why Choose Palm Beach Private Wealth Management
Why Choose Palm Beach Private Wealth Management
Real Fiduciary Protection for Employers
We help protect your business from 401(k) fiduciary risks, compliance failures, and unnecessary plan costs — giving you peace of mind and time to focus on your business.
Personalized Retirement Guidance for Employees
We support your employees with education, personal advice, and easy-to-use resources to help them plan, save, and stay on track toward a strong retirement.
Seamless 401(k) Plan Management
We handle the day-to-day heavy lifting – from compliance paperwork to participant support — to simplify administration and improve the experience for you and your team.
Independent Advice You Can Trust
As independent fiduciaries, we act only in your best interest — no hidden fees, no conflicts of interest, just honest, objective advice for your business and your employees.
Direct Support From a Real Advisor. Not a Salesperson.
When you reach out, you’ll connect with Elena Samofalova — one of the lead advisors on a seasoned team of retirement strategists, compliance specialists, plan administrators, and investment professionals with over 30 years of combined experience. We work together to simplify your plan, reduce risk, and help your plan run smoothly.
You’re not getting routed to a sales rep or call center. Just professional guidance from someone who understands the challenges business owners face.
+1 (954) 400-3038
(Texting is often easiest — Elena will reply personally.)
elena@palmbeachpwm.com
103 SE 3rd Avenue, 10th Floor
Fort Lauderdale, Florida 33394
Elena Samofalova
Investment Advisor / Retirement Strategist
CEO, Palm Beach Private Wealth Management
Helping small and mid-sized businesses reduce 401(k) risk, simplify compliance, and support their team with real guidance.
Retirement Income News and Articles
Retirement Income News and Articles
See how moving fees off plan assets can benefit everyone involved. For many business owners, offering a 401(k) [...]
2023–2024 has seen a wave of Florida businesses opting out of standalone 401(k) plans and into Pooled Employer Plans [...]
Understanding Retirement Plan Fees — What Every Business Owner Should Know When I speak with business owners about [...]
Life insurance is an essential tool to safeguard your loved ones from severe financial hardships in case of an [...]
Get ready for an exciting journey through the annuity world! While you might know about well-known options like fixed [...]
Are You Satisfied with Your 401(k) Returns? If you're like many American workers, you've probably chosen a 401(k) [...]
The Problem of Standard 401(k) Management For many, the 401(k) represents the cornerstone of retirement planning, offering a [...]
Investing is as much about understanding the markets as it is about understanding oneself. Beyond the numbers and trends [...]
-
Navigating the complexities of tax laws can be daunting for a small business owner or freelancer. Yet understanding these [...]
-
See how moving fees off plan assets can benefit everyone involved. For many business owners, offering a 401(k) [...]
-
2023–2024 has seen a wave of Florida businesses opting out of standalone 401(k) plans and into Pooled Employer Plans [...]
-
Understanding Retirement Plan Fees — What Every Business Owner Should Know When I speak with business owners about [...]
-
Life insurance is an essential tool to safeguard your loved ones from severe financial hardships in case of an [...]
-
Get ready for an exciting journey through the annuity world! While you might know about well-known options like fixed [...]
-
Are You Satisfied with Your 401(k) Returns? If you're like many American workers, you've probably chosen a 401(k) [...]
-
The Problem of Standard 401(k) Management For many, the 401(k) represents the cornerstone of retirement planning, offering a [...]
-
Investing is as much about understanding the markets as it is about understanding oneself. Beyond the numbers and trends [...]
-
Navigating the complexities of tax laws can be daunting for a small business owner or freelancer. Yet understanding these [...]
