Managing Your Employer Retirement Accounts More Effectively With Pontera

Integrating Your 401(k) Into the Bigger Picture

At High Falls Advisors, we’re guided by one principle — your financial life works best when it’s coordinated. Investments, taxes, retirement savings, and benefits each play a significant role in shaping your future.

But there’s one account type that has often remained outside that coordination: employer-sponsored retirement plans, such as 401(k)s and 403(b)s.

These plans often represent a significant share of a person’s long-term savings, yet they’re easy to overlook once automatic contributions are set up. Over time, that can lead to imbalanced portfolios, missed opportunities, or investment strategies that drift away from your goals.

To close that gap, we’ve introduced the ability to manage these accounts through Pontera. Pontera is a secure platform that allows us to view and adjust your employer plan holdings, without ever taking custody of your assets.

Why We’re Adding Pontera

This new capability helps us bring your entire financial picture into focus. With Pontera, we can:

Coordinate your investments. Your 401(k) no longer needs to operate in a silo; we can align it with your broader portfolio and risk profile.
Monitor and rebalance. Markets shift and so do your goals — regular oversight helps keep your strategy on track.
Simplify your reporting. You’ll be able to see all of your investments together for a clearer understanding of where you stand.
Enhance long-term results. Consistent attention and thoughtful adjustments can help improve risk-adjusted returns over time.

Who Can Benefit

This service is valuable for anyone who:

Is currently contributing to a 401(k) or 403(b).
Has a retirement plan from a previous employer.
Wants to take a more intentional, unified approach to their investments.

Security You Can Rely On

Your account access through Pontera is secure and limited — your login details remain private, your employer plan remains in your name, and we maintain only the access needed to monitor and adjust investments on your behalf.

The Bottom Line

Adding Pontera reflects our commitment to improving how we serve clients. It’s not a new product — it’s an enhancement to how we help you make better use of what you already have.

By integrating your retirement plan into your broader strategy, we can better align your investments, manage risk more effectively, and give you a clearer path toward the future you’re planning for.

If you’d like to learn more, reach out to your High Falls Advisors team. We’re happy to explain how this works and whether it makes sense for you.