As independent money managers, we provide long-term wealth and estate preservation strategies and prudent investment advice in a challenging environment for investors. If you are looking for an asset manager or money manager who adjusts investment allocations to align with present market conditions, Ciovacco Capital Management may be a good fit for you.
CCM Manages Schwab Personal Choice Retirement Accounts (PCRA)
PCRA ManagersIf 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. More on CCM and PCRAs can be found on this PCRA FAQ page. 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 Institutional, a division of Charles Schwab & Co., Inc, 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:
PCRA Advisor For Self-Directed Brokerage AccountIn 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:
Self-Directed 401(k) Financial Advisors / ManagersMany 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. The links below provide more information about CCM:
Chris Ciovacco is the Chief Investment Officer for Ciovacco Capital Management, LLC. More on the web at www.ciovaccocapital.com