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Northrop Grumman Schwab PCRA (Soon to be Fidelity BrokerageLink)

The irony is that that self-directed doesn’t mean you’re on your own

****Please note that in April of 2016, Northrop Grumman will be changing their Savings Plan Administrator from Hewitt to Fidelity. Accordingly, they will also be switching from the Schwab self-self directed or PCRA to the Fidelity BrokerageLink platform. Decision Investments can help you with the transition.***

Northrop Grumman offers the Schwab Personal Choice Retirement Account (PCRA) or "Self Directed" option to the company's 401K plan. You may better manage risk and improve returns by taking advantage of this option. Decision Investments can help.

Enjoy the flexibility of greater choices of investments inside your savings plan and receive ongoing Portfolio Management and Financial Planning services. With a self directed retirement plan, you can make investments inside your Northrop Grumman savings plan with the freedom of a brokerage account. The Schwab PCRA lets you invest in over 4,700 mutual funds as well as individual stocks, bonds and ETF's).

With freedom comes responsibility…that’s where Decision Investments comes in. We develop a portfolio custom built for you and your needs and actively manage that portfolio attempting to move money into and out of areas of strength and weakness. We communicate what we are doing and provide performance reports quarterly showing you exactly how we are doing (after fees) and compare that performance to the overall performance of the markets.

Nowhere else in the Northrop plan including any of the “core investment funds” or “Retirement Path Portfolios” is anyone responsible for adjusting risk by moving money into or out of investment categories based on market conditions. So with Decision Investments, you end up with what sounds like an oxymoron… a "self-directed" 401K that is, in fact managed for you by Decision Investments.

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