401k/403b Planning

businessman sitting at office desk

Maximizing the Power of Your Self-Directed Brokerage Account

Take Control of Your Retirement Future with Expert Guidance

If your employer-sponsored 401(k) or 403(b) plan includes a Self-Directed Brokerage Account (SDBA), you may have access to a much wider range of investment options—beyond the limited fund lineup offered in the core plan.

At Carlozzi Financial Services, we help you navigate and maximize the opportunities an SDBA offers—through personalized portfolio construction, risk alignment, and ongoing strategic advice.

What is an SDBA?

An SDBA is a feature inside many retirement plans that allows participants to invest in individual stocks, ETFs, mutual funds, and other securities not found in the standard menu.

More choice

More flexibility

More control over your retirement strategy

But with that freedom comes the need for smart decision-making—and that’s where we come in.

Our SDBA Advisory Services

Whether you're looking to diversify, reduce overlap, or align your 401(k) investments with your overall financial plan, we offer tailored services to support your journey:

Customized Portfolio Management

We build and manage portfolios inside your SDBA that align with your:

  • Risk tolerance
  • Time horizon
  • Retirement goals
  • Broader asset allocation strategy

Investment Screening & Selection

We help you:

  • Choose high-quality, cost-efficient investments
  • Avoid unnecessary overlap with other accounts
  • Identify opportunities that match your retirement timeline

Ongoing Monitoring & Rebalancing

Your life changes. So should your portfolio.

  • We review and rebalance as needed
  • Adjust based on market movements or life milestones

Coordination with Your Full Financial Picture

Your SDBA is just one piece of the puzzle.

  • We ensure it fits seamlessly with your IRAs, taxable accounts, insurance, and estate planning
  • We help avoid overconcentration or excessive risk 

Who We Work With

Male executive in his office looking at the laptop

Executives and professionals with large 401(k)/403(b) balances seeking personalized investment strategies

Male and female colleagues reviewing documents

Participants in plans with SDBA options at providers like Fidelity BrokerageLink, TIAA, and many more.

Multigenerational family relaxing on a couch

Clients who want hands-on support from a fiduciary advisor—not a call center

Why Work With Carlozzi Financial?

Independent, Fiduciary Advice

Always in your best interest

SDBA Experience

We know the platforms, investment options, and risks

Goal-Oriented Guidance

Not just performance, but purpose

The Process

1. Discovery & Plan Review

We assess your 401(k)/403(b) plan, SDBA access, and existing investments.

2. Risk Assessment & Strategy Alignment

We define your comfort zone, retirement timeline, and financial goals.

3. Portfolio Construction

We help you select a diversified portfolio within your SDBA—custom-built for your goals.

4. Implementation & Oversight

You stay in control. We help monitor, rebalance, and refine your portfolio over time.

5. Ongoing Financial Planning

Retirement isn’t just about investing. We support budgeting, tax strategies, income planning, and more.

FAQs