U
USA 401K
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$8,135
Total clients
12
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
12
Average account size
$678
About
The firm provides ongoing portfolio management and financial planning services to individuals and corporations and also offers pension consulting for retirement plans, including 401(k) plan consulting and written pension consulting plans. According to its brochure, the firm reported $8,135 in discretionary assets under management across 12 clients as of December 2025.
The firm’s investment process relies on Modern Portfolio Theory and a long‑term trading approach, typically focusing on equities while using fixed income and index funds for diversification; it documents client goals and risk tolerance in an Investment Policy Statement and generally seeks discretionary trading authority. Custody is handled through Charles Schwab Advisor Services, and the firm has recently added AssetMark as a turnkey asset management platform.
The principal has disclosed outside business activities as a practicing attorney (about ten hours per week) and as a licensed real estate agent (about five hours per month), and the brochure reports an administrative suspension of the principal’s law license in October 2023 that was later resolved. The combination of a very small client base and AUM, direct pension consulting services, and these professional affiliations is atypical among independent advisory firms.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Wealth management
Passive / index investing
Retirement plans for business owners (SEP, solo 401k)
Fee options
1.00% annually for all assets under management
Main office location
USA 401K
One Financial Plaza, 1350 Main Street
Springfield MA 01103, United States
Number of offices
1
Most active in
USA 401K has reported serving >5 clients in these states in the last 12 months.
Connecticut · Massachusetts · Rhode Island
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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