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401(k), 403(b), and 457 Assistance: 678·590·3119

Begin Managing Your Retirement in 3 Easy Steps:

Sign up with your email address and a new password (8 min. characters)

Answer a few questions about your investment preferences and behaviors in response to market volatility

Link your financial institution for an easier way to view your employer plan's account performance

Sit back and let this powerful system analyze and provide rebalancing recommendations

View your customized recommendations for your 401(k), 403(b), or 457 employer plan

Receive mathematically-based guidance on where, when and how much to invest in your existing plan

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401(k) Optimizer®

Your retirement account can be among your most substantial assets. Unfortunately, the chances are high that you haven’t been actively managing your account. The 401(k) Optimizer® can help guide your investment decisions and help you prepare for your future.

We use your answers to our simple risk tolerance questionnaire and your ideal, long-term goals to identify recommended account asset allocations that fit your account needs based on what is available in your plan.

Self-Directed Brokerage Accounts

Unlike other Self-Directed Brokerage Accounts (SDBAs), the HCM version provides you with:

Stoploss protection with the HCM-BuyLine®, a mathematical, non-emotional indicator which signals when to enter and exit the market

Active asset management

Portfolio rebalancing 

Weekly updates

Get to Know the HCM BuyLine®

Downloadable Brochures:

Our Process

401(k) Optimizer® 

Excerpt: The 401(k) Optimizer® is a web-based tool designed to help you with your company-sponsored retirement plan, such as a 401(k), 403(b), or 457.

This tool allocates your investments based on your risk tolerance level and long-term goals.

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Our History

HCM Buy-Line® 

Excerpt: Howard Capital Management’s (HCM) investment strategies strive to protect capital in market downturns while seeking to outperform the major indices during market upswings.

The HCM-BuyLine® is technical, but its interpretation is straightforward.

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Our Values


Excerpt: A SDBA, or Self-Directed Brokerage Account, is a window inside a company-sponsored retirement plan (401(k), 403(b), 457, etc.) which offers plan participants the option to invest in more than the limited pre-selected company choices.

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The HCM 401(k) Optimizer® is offered through Howard Capital Management, an SEC-registered investment adviser which only does business where it is properly registered or is otherwise exempt from registration. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.

All investments and investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor's portfolio. Information provided should not be construed as personalized investment advice. There can be no assurances that any investment or strategy will match or outperform any particular benchmark. Past performance is not a guarantee of future investment success.

Dollar cost averaging, asset allocation, rebalancing, and diversification strategies do not assure a profit or protect against losses in declining markets.

© 2020 Howard Capital Management, Inc. All Rights Reserved

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