It's still your 401(k).
Start directing it like it is.
Creative's Self-Directed Management Platform lets you put a real adviser in control of your existing 401(k) — no rollover, no transfer, no starting over. Just you, taking the wheel on an account that's been running itself.
Why this matters
For many people, a 401(k) becomes one of their largest retirement assets — and one of the only major accounts they never actively direct. Once you enroll, the plan keeps running with whatever choices were made at the start. Contributions continue, statements arrive, the balance moves. None of that means anyone is steering it toward where you actually want to end up.
The Self-Directed Management Platform exists so you — with your adviser — can take that wheel, inside the plan you already have.
The Target vs. Reality
Financial experts often recommend saving 6x to 11x your annual salary by age 60, but most Americans fall drastically short of the estimated $1.46 million they say they need to retire comfortably.
Increase in Gen Z 401(k) Investing
More than 80% of Gen Z workers have all of their savings in a single target-date fund — the most "hands-off," default-driven allocation pattern
of any generation.
Only 35% of non-retired people feel on track with their retirement savings.
Even though retirement is a top goal, two-thirds of Americans (65%) feel behind on their retirement savings—a scary feeling. But...almost half of American workers haven't even figured out how much they need to save for retirement.
Ready to Invest in Your Future?
Explore how a more personalized investment approach can support you beyond today.