Improve retirement outcomes
Studies show retirement accounts can grow up to 75% larger when professionally managed by financial advisors.1 Pontera enables advisors to securely and compliantly provide management of 401(k), 403(b), and other defined contribution plan accounts as part of a holistic portfolio strategy.
Informed advice and management
Provide prudent advice with complete plan information. Pontera offers an intuitive interface for rebalancing within plan accounts. Using Pontera, advisors can compare fees and historical returns, set target allocations, and set alerts for when those allocations drift outside of customized boundaries. Pontera also integrates with many portfolio performance reporting and billing solutions so you can deliver consolidated portfolio insights to your clients.
Strengthen client relationships
Over 60% of investors are looking for more help with their retirement accounts1, and advisors who integrate Pontera into their practices report adoption rates of up to 80% among eligible clients. By partnering with Pontera, advisors can employ cohesive rebalancing and tax strategies across their client portfolios. Improve your clients’ confidence and satisfaction with proactive management during volatile markets while working to deliver long-term results.
Comprehensive plan analysis
Pontera simplifies the analysis of plan retirement funds by displaying comparisons of fund options, fees, and allocations in standard view, regardless of the custodian. The platform helps eliminate the risk of human error, such as mistaking a Collective Investment Trust (CITs) for a publicly available fund. Advisors can easily find plan prospectus information with a click of a button to make recommendations that are in the best interest of their clients.
Maintain compliance with regulations that protect clients
Pontera helps advisors stay in compliance with regulations that protect their clients, particularly in the realms of account custody, supervision, and level-fee billing. The platform never shares client login credentials and purposefully prohibits client account access, disbursements, transfers, and beneficiary changes. Pontera’s supervision module annotates all advisor account reviews and rebalances, creating a clear, downloadable audit trail of activities. Finally, when it comes to IRA rollovers, clients can be rest assured decisions are made in their best interest now that their advisor has the ability to provide the same level of service, in plan (removing potential conflict of interest as outlined in DOL PTE 2020-02).
Assist more clients
The median American family holds more than half of their assets in retirement funds1 and may not know professional advisory is an option for them. By partnering with Pontera, your firm can provide a clear path to helping retirement savers align these investments with the rest of their portfolio and retirement goals.
Safeguard client data
With Pontera, financial advisors can eliminate poor cybersecurity practices such as storing client account credentials, accessing client accounts on custodian websites, or requesting sensitive account documents via email. Instead, the platform enables secure, client-permissioned account management without ever providing client credentials to the advisor. Pontera is SOC 2 certified by EY and employs bank-level encryption, security architecture, and regular pen testing to ensure that client data is protected. To provide ultimate peace of mind to the advisor and their clients, Pontera offers a Client Cybersecurity Pledge.
Want to see Pontera in action?
Features
Manage without custody
Provide full in-plan management to client accounts held off of your custodian while using a platform that does not allow you to take custody. Provide the value of custody without the need for surprise audits.
Provide holistic planning
Bring more of your clients' accounts into one cohesive strategy. Pontera allows you to monitor and rebalance 401(k), 403(b), and other held away accounts to ensure they are meeting your clients’ needs.
Easy asset location
Optimize tax strategies to grow client wealth. You can allocate your clients’ investments across taxable and tax-deferred accounts more quickly and efficiently by using Pontera for in-plan changes.
Consolidate reporting
Provide more insight to your clients while simplifying billing. Pontera integrates with Performance Reporting software so advisors can show their clients more of what’s happening in their portfolio.
Provide peace of mind
Access the ability to rebalance and monitor retirement accounts when it matters most to your clients, and improve client satisfaction by maintaining control during volatile markets or life changes.
Reduce compliance concerns
Improve compliance with regulations while limiting custody and rollover challenges on held away assets. Using Pontera's audit and supervision capabilities, you can help safeguard client assets and remain compliant.
What advisors are saying
It's one of those rare moments in time where if you implement a new capability everyone wins, from the client to the advisor. For so many Americans their retirement assets are the most important investment asset that they own, and I think being able to educate and advise your client holistically as a fiduciary on all assets is going to put your client in a much better position to have a successful outcome around their retirement.
Shirl Penney
President and CEO
Dynasty Financial Partners
Pontera really filled this missing gap that we had. Now, when we have a client meeting, the Pontera accounts are listed along with all their other Dakota accounts, all in one place.
How can you be doing financial planning and advising people at a high level and be leaving out their retirement assets?
Carina Diamond
Chief Growth Officer
Dakota Wealth Management
The process for introducing Pontera to clients was very simple. In fact, I don't recall one client I recommended this to that didn't want to take advantage of it.
Think about how many assets are being neglected in your client base that really should be managed. I know by being able to actually make these changes for my clients, not only can I provide them better long term outcomes, it can give them confidence.
Neal McGrath, AIF, CRPC, AAMS
Managing Director, Wealth Advisor
Carson Wealth Pittsburgh
From day one clients were giving us positive feedback, specifically 'This is fantastic because I can now see all of my accounts in one space, whereas in the past I didn’t have the ability to do that.' This is the biggest enhancement with our technological stack that I've ever had.
Michael Schwartz
CEO
Magnus Financial Group
Pontera has allowed us to deliver holistic planning without a lot of legwork on the client's part and has a lot of added value that we're able to present because we have full transparency. Now we can see, in some cases, one of the family's biggest assets.
Lawrence Sprung, CFP®
Founder, Wealth Advisor
Mitlin Financial®