Bison Wealth will help confirm your SDBA eligibility
Completing simple paperwork
Setting up and managing your SDBA within your 401(k)

Target-date funds follow a one-size-fits-all approach.
Bison Wealth’s Self-Directed Brokerage Account (SDBA) management is actively monitored and adjusted to your individual financial goals, risk profile, and market conditions.

Portfolios are actively monitored and adjusted as needed. This includes rebalancing and strategic updates rather than a “set it and forget it” approach.

No.
Your assets remain inside your employer-sponsored 401(k) plan.
The Self Directed Brokerage Account (SDBA) is simply an account within your existing plan.

Yes.
Your funds stay in your 401(k) and maintain the same protections as the rest of your plan. Nothing is withdrawn or moved outside of your employer’s retirement plan.

Yes. It typically appears as an investment option on your 401(k) statement. Detailed information about your SDBA can be viewed through your plan’s brokerage website.

Yes. You can access your account through your provider—such as Fidelity or Charles Schwab—though specific features vary by plan.

Yes. Rollovers are generally allowed. A Bison Wealth advisor can help you review all available options.

Some plans allow early withdrawals or loans, but these may involve taxes and penalties. Your 401(k) is generally best viewed as long-term retirement savings.

You typically have several options:

1. Leave the money in your current plan

2. Roll it into your new employer’s plan

3. Roll it into an IRA

4. Each choice has considerations, and educational resources are available to help you compare them.

Yes, discontinuing assisted management or adjusting your participation can be done at any time based on your plan’s rules.

Your 401(k) options—including your SDBA—will depend on your new employer’s plan. Bison Wealth can help explain your choices when that time comes. The IRS sets the maximum that you and your employer can contribute