Will this take the place of my current 401(k)?
No. It will not take the place of your current 401(k) plan. 401kPRO is designed work in conjuction with your plan making sure you are invested appropriately.

Can I review my advice with an advisor?
Yes, we recommend each subscriber reviews their advice with one of our advisors once they receive their recommendation. We are excited you have chosen to take this step toward improving your retirement and we want to make sure our recommendation is clear and understandable.

Will you reallocate my 401(k) for me?
No. You have to log on, or call your plan custodian to make the investment changes.

If I have other investments will you help me?
Yes, we have access to most investments and financial services. Please visit our financial services website at www.ybifs.com for more details.

Why do I change both current and future allocations?
Over time the fund allocations will change due to market fluctuations. You must change both the current and future allocationos when you log on or phone your plan custodian.

What happens if I change jobs?
401kPRO will generate an updated piece of advice for your new 401(k) plan. This is a complementary service for plans paid for within the past year.

Can you help me with 401(k)'s from a previous employer?
Yes, we can. In most cases, it is beneficial to move your funds to an IRA for ease of management, access to more investment options, and the stretch IRA provisions. Please contact one of our knowledgeable advisors for more details at 610-485-1010 or visit our financial services website a www.ybifs.com.

What if I have a 403(b) 457 or other retirement plans?
No problem. In 99% of cases, as long as you have the ability to select the investment options, 401kPRO can help.

How much does it cost?
Please click this link to our What Does 401kPRO Cost?

How long will it take to get my advice?
Usually it takes three days. If we have difficulties or there is a greater delay we will contact you.

How do I find my plan investment options?
If you look at your most recent statement you will usually find your investment options. Other times you can log on to your plan custodians website and print the investment options. If either of these do not work call the plan custodian and ask them to send you a copty of th eaaoilable investment options.

If I really like this how can I get my employer to offer this to co-workers as a benefit?
Please call us at 610-485-1010 and we will send a HR Directors packet to your company.

What does a report look like?
Please click this link to access the sample report.

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