Future Capital helps advisors break the 401(k) planning barrier

The RIA’s new solution aims to help advisors make their planning more holistic by considering held-away 401(k) assets.

Future Capital, the tech-heavy RIA with a focus on personalized retirement planning, has unveiled an innovative tool to help address a long-time pain point for growth-focused advisors.

The firm’s new tool, Construct, is a digital solution designed for financial advisors to manage workplace retirement plan assets directly, helping them integrate held-away 401(k) assets into their broader wealth management strategies.

“We developed Construct to deliver flexibility and optionality to advisors who have long struggled with the challenges of managing held-away 401(k) assets,” Jay Jumper, founder and chief executive officer of Future Capital, explained in a statement.

“With our platform, workplace retirement plans are now seamlessly integrated into an advisor’s overall wealth management strategy for a client, enabling advisors to provide truly comprehensive financial advice,” Jumper said.

According to Future Capital, Construct merges digital tools, customized account solutions, and personalized advisory guidance into a single platform. This integrated approach allows advisors to manage retirement plan assets efficiently, bypassing the need for extensive technology, compliance obligations, or additional staffing.

The new digital platform helps advisors customize allocations within their clients’ 401(k) assets, while also offering a flexible fee structure. The integration structure also helps advisors manage their clients’ retirement plan assets to a fiduciary level of care, something that the Department of Labor has stressed with the DOL fiduciary rule that was finalized in April.

The firm stressed the need for advisors to add 401(k) account to their professional toolbox, especially given the fact that the median American family has most of their net worth tied up in workplace retirement plan accounts.

“This platform perfectly embodies Future Capital’s unwavering commitment to equipping advisors with tools and resources to manage all of their clients’ wealth in one place,” said industry leader Marc Butler, who’s also part of the firm’s board.

The launch of Construct builds on Future Capital’s other recent moves, including its partnership with Money Concepts forged in May, rebranding from ProNvest, and team expansion.