The Self-Direct Brokerage Accounts

A Self-Directed Brokerage Account (SDBA) lets you go beyond traditional 401(k) options with access to professional management, stocks, mutual funds, and more. Gain flexibility and personalized strategies to retire on your terms.

What is SDBA?

Over the past several years, many employers have enhanced their retirement plans to include a brokerage window opportunity so that plan participants have more choice and greater flexibility with their retirement investments. This option, known as the Self-Directed Brokerage Account (SDBA), exists in 401(k), 403(b), or 457 plans where participants have access to professional management, stocks, bonds, mutual funds and ETFs.

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How it Works

Plans that offer the SDBA option provide opportunities for employees to take full control of their current retirement account by linking it to the existing Core account. The Core account refers to the retirement account through the employer that offers limited, pre-selected investment choices. In doing so, participants expand the range of investment choices beyond the Core plan investments and will have access to the same management style as high net worth investors, institutions, and foundations. While SDBAs are underutilized, this option should be used by investors who feel comfortable managing their own risk or working with a professional investment advisor.

Some of the Employers That Offer Sdba and Where We Help Their Employees

We help employees from top organizations like Microsoft, Coca-Cola, and Yale University maximize their SDBA retirement investments.

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Custodians

  • Fidelity - BrokerageLink®
  • Schwab - Personal Choice Retirement Account (PCRA)
  • Alright Financial Solutions - Self-Directed Brokerage Account
  • TIAA - Brokerage Services
  • TD Ameritrade - Self-Directed Brokerage Account
  • BOK Financial - Self Directed Brokerage
  • Empower - Empower Brokerage Services
  • Princor (Principal) - Self-Directed Brokerage Account
  • Prudential Brokerage - Self-Directed Brokerage Account

Primary Benefits

  • Independent Investment Advice from local Adviser
  • Respective fiduciary responsibilities
  • Personalization of your specific retirement account
  • Active management
  • Risk management optimization for all market conditions
  • Ongoing monitoring of your account
  • Annual Rebalancing
  • Comprehensive financial planning
  • Written retirement plan to yoRetire On Your Terms™
  • Social Security Optimization
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Our firm's Motto:

The best of people are those who benefit others the most

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. 

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Get in touch with NCFA for expert financial guidance and personalized support. We’re here to help you achieve your goals with ethical, sustainable solutions.

Our firm's Motto:

The best of people are those who benefit others the most

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National Christian Financial Advisors, Inc. (NCFA) is minority owned and operated Independent Registered Investment Advisory Firm

Disclosure:

Let’s Talk About Risk:

Investment Advisory Services offered through National Christian Financial Advisors, Inc. (NCFA). Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results. National Christian Financial Advisors, Inc. (NCFA) does not guarantee any specific outcome or profit.

Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. 

The annual percentage yield (“APY”) on the deposit balances in Betterment Cash Reserve (“Cash Reserve”) is 4.00% and represents the weighted average of the APY on deposit balances at the banks participating in Cash Reserve (the “Program Banks”) and is current as of December 27, 2024. This APY is variable and subject to change daily. Deposit balances are not allocated equally among the participating Program Banks. A minimum deposit of $10 is required, but there is no minimum balance required to be maintained. The APY available to a customer may be lower if that customer designates a bank or banks as ineligible to receive deposits. APY applies only to Cash Reserve and does not apply to checking accounts held through Betterment Checking. Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

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