Employers & plan sponsors
Pontera securely connects participants with their trusted advisors to manage their 401(k) accounts in-plan.
Pontera works with your plan, not against it
Pontera allows your employees’ trusted financial advisors to manage their workplace retirement accounts (401(k), 403(b), etc.) in-plan, without the need for rollovers. This empowers participants to align their retirement savings with their overall wealth strategy while helping your plan retain assets and deliver stronger outcomes.
Keep assets in-plan by enabling advisors to provide management without rollovers.
Enable participants to align their complete retirement and wealth picture with their chosen advisor
Enhance plan designs with access to personalized and professional guidance
Pontera can lead to better participant outcomes
Personalized retirement solutions
Stronger retirement outcomes
Holistic and secure asset management
Working with an advisor boosts savings from 10% to 15%
Participants who work with an advisor contribute 50% more to their 401(k)s.
Frequently asked questions
What practices are put in place to protect participants?
Advisors cannot use the Pontera platform to engage in activities that could trigger custody, such as withdraw or transfer funds, change beneficiaries or contributions, or initiate distributions. They also cannot view client credentials, including logins and passwords.
What does this mean for participants?
Participants gain the ability to have trusted financial advisor monitor, view, and rebalance their 401(k) without rolling funds out of the plan.
What built-in safety protections exist?
Pontera is SOC 2 Type II and ISO/IEC 27001:2022 certified. Auditable rebalancing records and purpose-built functionality give financial advisors peace of mind and ensure activity remains compliant with applicable regulations.
Learn more about Pontera’s security practices by visiting our Trust Center and our Commitment to Client Protection.
Does Pontera replace recordkeepers or advisors?
No. Pontera is a technology partner, not a recordkeeper or advisory firm. It works alongside recordkeepers and financial advisors, offering a secure way for advisors to manage defined contribution accounts and improve participant experience.
How do we add Pontera to our retirement plan?
Talk to your retirement plan advisor or recordkeeper about how Pontera can be an added benefit to your existing plan.
We already offer TDFs and Managed Accounts. Why do I need this?
We complement the retirement solutions that already exist within your plan, like Target Date Funds and managed accounts. This enables participants to get personalized 401(k) guidance aligned with their full financial picture and life goals.