Retirement Income Planning
What Are Optimizers?
Optimizers are retirement account guidance tools that help you manage your 401(k) or Thrift Savings Plan (TSP) investments with professional precision. Through our partnerships with 401(k) Optimizer® and TSP Optimizer®, Vanator Financial clients receive automated recommendations tailored to current market conditions and individual risk profiles.
The result is an easy, disciplined way to keep your employer-sponsored plan aligned with your long-term financial goals — without having to constantly monitor fund options or rebalance manually.
We combine this systemized reallocation guidance with CPA-level tax planning, ensuring every recommendation fits your overall financial strategy.
How It Works
01.
Enroll
Sign up for the Optimizer platform through Vanator Financial.
02.
Connect Your Plan
Link your 401(k) or TSP account using secure credentials.
03.
Receive Allocations
You’ll receive personalized fund allocation suggestions based on your age, goals, and current market trends.
04.
Implement Easily
Update your employer plan online using the Optimizer’s guidance.
05.
Stay Updated
Get monthly email alerts recommending rebalancing as markets change.
The process is quick, secure, and compliant with your plan’s rules — providing professional oversight without removing your control.
Integration With Vanator’s Advisory Process
While the Optimizers provide automated allocation models, our team overlays those suggestions with fiduciary review and personal context. We ensure each update works cohesively with your overall investment, retirement income, and tax plan.
This hybrid approach merges algorithmic precision with human judgment — giving you both structure and customization.
Why Use 401(k) & TSP Optimizers
Automated Expertise
Access professional-level allocation guidance tailored to your plan’s fund menu.
Consistent Rebalancing
Stay in alignment with changing markets without emotional decision-making.
Tax-Aware Coordination
Every change is reviewed for its potential tax impact and timing.
Fiduciary Oversight
Benefit from the same advisory principles that guide our managed accounts.
Ongoing Support
Even though the Optimizer runs automatically, we maintain an ongoing advisory relationship — ready to help interpret allocation changes, adjust for life events, or coordinate plan rollovers when appropriate.
Our team monitors updates from both 401(k) Optimizer® and TSP Optimizer® providers to ensure clients always receive accurate, timely signals
Learn More Resources
Explore Vanator’s Resources page for downloadable guides, retirement calculators, and portfolio allocation insights that complement your Optimizer strategy.
FAQs About Optimizers
How often will I receive allocation updates?
Typically once a month, though alerts may increase during periods of market volatility.
Can I still make my own fund choices?
Yes. The Optimizer provides recommendations, but you retain full control within your 401(k) or TSP plan.
Are my credentials secure?
Absolutely. The system uses industry-standard encryption, and we never have access to your login credentials.
How is this different from managed accounts?
You remain in control of trades — the Optimizer provides advice. Managed accounts delegate execution to us directly.
