FAQ - MAIN MENU

Can CCM MANAGE a Schwab Personal Choice Retirement Account (PCRA)?

In many cases, the answer is yes.  You can check with your plan administrator or call Schwab and ask them if a 3rd-party manager can be added to your PCRA account via a LPOA.

PCRA Managers

If your company offers a PCRA option on your 401(k), Ciovacco Capital Management may be able to provide discretionary management of the PCRA using the CCM Market Model. Some company retirement plans allow for third-party guidance from a PCRA advisor or PCRA financial advisor.

Schwab Personal Choice Retirement Accounts (PCRA)

A Schwab Personal Choice Retirement Account (PCRA) is a self-directed brokerage account (SDBA) that resides within your employer-sponsored retirement plan. In addition to the choices typically offered by retirement plans, PCRA lets you invest in a much wider range of investments. Schwab is restricted from providing advice on PCRAs; however, your retirement plan may allow you to appoint an independent advisor.

Schwab Advisor Services is a leading provider of custodial, operational and trading support for independent investment advisors. Using Schwab as primary custodian, Ciovacco Capital Management, LLC has access to a wide range of products and support to help investors reach their financial goals, including:

• Full range of investment strategies and trading services

• Wealth management services

• Technology and service support

• Safeguards designed to protect assets

• Strict ethical business practices

PCRA Advisor For Self-Directed Brokerage Account

In a hypothetical example, if you worked for Company ABC and ABC offered a Schwab PCRA option on your 401(k), it may be possible for you to add a third-party investment advisor to manage your Personal Choice Retirement Account (PCRA). Examples of companies that may be offering PCRAs to their employees:

• Utah Retirement Systems PCRA

• Colorado County Officials and Employees Retirement Association CCOERA PCRA

• Oregon Savings Growth Plan OSGP PCRA

• City of Los Angeles PCRA

• Wisconsin Department of Employee Trust Funds WI ETF PCRA

• Maricopa County 457(b) PCRA

• New York State Deferred Compensation Plan PCRA

• City of Austin 457 Deferred Compensation Plan PCRA

• Ohio PERS OPERS PCRA

• Texas Employee Retirement System TEXAS SAVER PCRA

• Woods Hole WHOI PCRA

• Arizona State Retirement System PCRA

• Shook, Hardy & Bacon Retirement Plan PCRA

• Wisconsin Deferred Compensation Program PCRA

• City of Glendale PCRA

• New Mexico Deferred Compensation Plan PCRA

• Sacramento Metro Fire District 457(b) Deferred Compensation Plan PCRA

Self-Directed 401(k) Financial Advisors / Managers

Many companies are offering self-directed brokerage options to their employees in 401(k)s and deferred compensation plans. Many of these plans allow for working with a third-party and independent money manager or financial advisor, such as Ciovacco Capital Management.

FAQ - GETTING STARTED WITH CCM

Important Disclosures: While the CCM Market Model is based on sound economic and investment principles, there is no guarantee any of the objectives, including limiting account drawdowns, will be met in the future. The terms odds and probabilities also speak to uncertain outcomes. Please see additional disclosures for more information.