The Better 401(k) Source

Michael Wells is a financial advisor at The Better 401(k) Source with 14 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior work includes roles at Amazon.com and Empirical Modeling & Analytics, where he has been engaged since 2016. The Better 401(k) Source operates as the advisory program of Empirical Modeling & Analytics and specializes in discretionary management of mid-sized 401(k) and 403(b) plans, generally in the $10 million to $50 million range. The firm uses a combination of broadly diversified ETFs, fixed income, and REITs with a preference for passive instruments, applying a unique “Elasticity” methodology to assess downside risk and recovery time.

Charles Gabriel is a financial advisor with The Better 401(k) Source in Plano, TX, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has worked at Empirical Modeling and Analytics, Inc. since 1995. The Better 401(k) Source operates as Empirical Modeling & Analytics’ advisory program, serving sponsors of mid-sized 401(k) and 403(b) plans by managing plan assets on a discretionary basis and providing ERISA fiduciary services. The firm uses a diversified mix of ETFs, fixed income, and REITs with a unique “Elasticity” methodology to assess downside risk and recovery, supported by its background in research and analytics software.