Step-by-Step Guide
How It Works
Six simple steps. One monthly check-in. Under 5 minutes to implement. Here's exactly what the process looks like from sign-up to rebalance.
Subscribe for $49/year
Sign up for an annual membership. No complicated onboarding — just your name, email, and your 401(k) plan provider so we can tailor the guidance to funds you actually have access to.
Receive Your Monthly Signal
On the first of every month, log into the Members dashboard. You'll see the current allocation signal, the Market Barometer score, and the Volatility reading — all updated based on the prior month's closing data.
Log Into Your 401(k) Portal
Open your employer's 401(k) portal — Fidelity, Vanguard, Schwab, or whichever provider manages your plan. This is the same place you'd normally check your balance.
Read the Allocation Instruction
The signal tells you exactly how to split your contributions and existing balance across asset classes. For example: 80% equity index fund, 20% stable value. No guessing, no jargon.
Rebalance in Under 5 Minutes
Navigate to the 'Investment Elections' or 'Rebalance' section of your plan portal. Enter the percentages from the signal. Confirm. Repeat this for 'Future Allocations' — that is new money coming into your account. You're done — the whole process takes about 5 minutes.
Repeat Each Month
The model re-evaluates market conditions every month. When signals change, you get updated instructions. When nothing changes, you do nothing. Simple, systematic, and consistent.
Your dashboard, every month
The Members dashboard shows your current Market Barometer score, Volatility reading, and exact allocation split — all in one place, updated automatically at the start of each month.
Quick Answers
Do I need any financial knowledge?
None. The signal gives you exact percentages to enter into your plan. You don't need to understand the model — just follow the numbers.
What if my plan doesn't have the exact funds mentioned?
We map allocations on broad asset classes that are present in nearly all 401k plans. S&P 500, Mid-cap, small cap, International and Stable Value. If you have trouble matching funds, please reach out to our customer service.
What if I miss a month?
No problem. The signal stays live all month. Implement whenever you have a few minutes — even mid-month is far better than never rebalancing.
Will this log in to my 401(k) for me?
No. We provide guidance only — you always retain full control of your account. We never touch your funds directly.
Ready to get started?
Five minutes a month. $49 a year. A systematic plan for your retirement.