401(k) Help2025-03-13T21:00:43+00:00
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Let’s Get You Retired!

A Message From Dave Elizondo

True Financial Partners helps individuals make the most of their 401(k), 403(b), and 457 plans by providing personalized guidance on contributions, investments, and rollovers. Their expert strategies optimize retirement savings while minimizing risks and fees, keeping clients on track for a secure future.

Want to explore your retirement options? Connect with the TFP team today!

Have a question about your 401(k)? Reach out today!

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The Most Important Ages for Your Retirement Accounts

If you have a 401(k), IRA, or other retirement accounts, it’s important to keep a few things top of mind: Know how much you’re contributing, how your investments are performing, […]

 

This content is provided for informational purposes only and should not be construed as investment, tax, or legal advice. The information contained herein is believed to be reliable, but its accuracy or completeness cannot be guaranteed. Any opinions expressed are subject to change without notice and are not intended as a recommendation to buy or sell any security or investment strategy. All investments involve risk, including the possible loss of principal. Readers should consult with their financial advisor, tax professional, or attorney before making any financial decisions based on their individual circumstances.

Investment advisory services offered through TFP Management LLC, a SEC Registered Investment Adviser.

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The Ultimate 401(k) Guide

How To Take Control of Your 401(k) Before & After Retirement

The 401(k) is one of the most important retirement planning tools we have. You pay into it for decades and will likely rely on it, among other income sources, for decades in retirement. The potential tax benefits and power of compound returns can make it a great savings and investment tool for retirement. But to make the most of these accounts requires an informed strategy. There are several important things to know about your 401(k), such as how much you can contribute, options for your 401(k) when you leave your job, and how much you are paying in 401(k) fees.

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3475 Utica Ridge Rd.
Bettendorf, IA 52722

(563) 359-8783

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© Copyright True Financial Partners. Investment advisory and financial planning services offered through TFP Management, LLC, a Registered Investment Advisor. Subadvisory and co-advisory services are provided by Advisory Alpha, LLC, a Registered Investment Advisor.

As the investment landscape grows more complex with new asset classes and strategies, investors are often drawn toward trends that threaten to derail their progress toward their goals. We believe a carefully constructed financial plan supported by historically proven investment strategies offers the best potential for reaching your long-term objectives.

Smart Strategy

  • Although some of our investment strategies are more actively managed than others, we seek to apply prudent active management throughout all levels of the investment process where we believe we can add significant value.

Rigorous Rebalancing

  • We integrate an active rebalancing approach into your portfolio’s investment strategies, which we believe provides continuous oversight, minimizes trade fees and taxes, and capitalizes on market movements.

Disciplined Diversification

  • We believe a broad and diversified pool of investment opportunities offers greater return potential and a better ability to thrive amid changing market conditions.

Intelligent Investments

  • We research and evaluate a variety of investment product types for inclusion in our portfolios, ranging from individual stocks and bonds to mutual funds to exchange-traded funds, depending on your objectives, time horizon, and risk tolerance.

Meticulous Monitoring

  • The investments contained in each portfolio undergo an extensive evaluation and due-diligence process, including ongoing analysis with quantitative and qualitative components.

The Quadrant Plan serves as the bridge that connects your financial plan to your investment portfolio. It gives clarity to your full financial picture and ultimately guides your portfolio allocation across a set of distinct and complementary investment strategies. The goal of the Quadrant Plan is to build an optimal portfolio mix that offers the potential to most efficiently and effectively reach your financial goals.

YIELD

Objective

  • Income yield, such as dividends or interest, generated by your investments, providing cash flow and accessibility.

Asset Types

  • High-income and generally liquid assets, such as bonds and other fixed income securities.

PROTECTION

Objective

  • The ability to keep pace with inflation while focusing on capital preservation, stability, or downside protection.

Asset Types

  • Downside-protected investments, such as CDs, fixed annuities, structured products, buffer products, and money markets.

BALANCE

Objective

  • Broad participation in the total of all return sources provided by a wide range of investments.

Asset Types

  • Diversified, broad market exposure that includes stocks, bonds, and often alternative investments.

GROWTH

Objective

  • Return that results from increasing prices or capital appreciation of an investment, ultimately resulting in long-term accumulation.

Asset Types

  • Growth-oriented strategies and investments, including stocks and certain uncorrelated assets.

Most people don’t have the time, knowledge, discipline or desire to manage and grow their wealth completely on their own. Professional advisors can potentially add significant value far beyond investment management. Our Wealth CheckPoints approach strives to add tangible value to your financial life through each of the five key components of your financial plan:

Retirement Planning

  • Strategies that coordinate and optimize your retirement income sources with the goal of delivering the best possible retirement outcome.

Tax Planning

  • Strategies that attempt to guide your wealth and financial decisions to minimize and control your immediate and long-term tax implications.

Investment Planning

  • Strategies that structure and manage your portfolio in an attempt to minimize risk and cost, maximize return, and keep you on track toward your financial goals.

Risk Management Planning

  • Strategies that address the major insurable risks in an effort to minimize or even eliminate as many negative financial scenarios as possible.

Legacy & Estate Planning

  • Strategies that seek to anticipate and arrange the transition of your estate to achieve your priorities while minimizing costs and taxes.

The planning process is designed to understand your unique financial situation, while offering flexibility to adapt the financial plan as your circumstances evolve. Our financial lives can change quickly, and it is important for the planning process to account for these changes with the goal of delivering long-term financial planning success. We strive to help you relax, give you confidence, and create peace of mind, knowing that you continue to stay on track to meet your goals.

PREPARE

Build trust and gather important information.

LEARN

Understand and analyze your current portfolio and financial plan.

ALIGN

Design and implement a portfolio and financial plan that strives to best achieve your goals.

NAVIGATE

Continually monitor and reevaluate your financial situation with the goal of keeping you on track.

Education

We go the extra mile to educate our clients on all things financial. This core belief carries over into the retirement courses we teach at local community colleges, as well as our “Wealthy Habits Podcast.”

Transparency

The key to a successful relationship starts with a clear understanding of each other’s roles and expectations. An initial client visit is a time for us to get to know each other very well, which also includes a thorough explanation of our compensation.

Integrity

We ensure that our clients feel that they’ve joined a big family with similar goals and values. Giving our clients the best service possible is a core value we never stray from.

The Portfolio Pillars are five convictions that form the foundation of our investment management process: Smart Strategy, Rigorous Rebalancing, Disciplined Diversification, Intelligent Investments, & Meticulous Monitoring.

The Quadrant Plan defines the purpose of your portfolio and customizes your investment allocation around four priorities:
Yield, Protection, Balance, & Growth.

The Wealth CheckPoints are our comprehensive and coordinated financial planning solutions designed to deliver definable value across five key areas: Investment Planning, Retirement Planning, Tax Planning, Legacy Planning, &Risk Management Planning.

The PLAN Success Cycle is our ongoing process for understanding your financial goals and developing a plan to pursue them effectively through a four-phase cycle: Prepare, Learn, Align, & Navigate.

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