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401k Optimizer

401k Optimizer®

401K Plan Pro is utilizing the 401K Optimizer engine and methodology for stoploss protection.

How the HCM 401(k) Optimizer® Works

The HCM 401(k) Optimizer® is available for company sponsored retirement plans:

401(k), 403(b), 457, and more. If you need personalized advice on how to invest your company plan, the HCM 401(k) Optimizer® is for you.

Click Here to Visit: hcm401koptimizer.com

Use Partner Code HCM4444 for a 10% discount when you sign up.

Overview of Sign Up Process:

  • Enter Your Information in the Online Sign Up Form
  • Answer the Risk Tolerance Questionnaire
  • Receive an email from us telling you your recommendations are ready
  • Log in to the HCM 401(k) Optimizer® to view your recommendations

We Analyze the Choices your Company Plan Provides

Once you sign up for the HCM 401(k) Optimizer® we begin a thorough evaluation of your investment choices. We take into consideration your risk tolerance and several other factors. Many people need help deciding which investments to choose. Investing is our business. It’s what we do everyday and that is why we are here to help you.

You Receive a Detailed Report from Us

After we complete our evaluation of your investment choices we post a detailed report of our recommendations to your account at HCM 401(k) Optimizer®. You can then log in to your account with the user name and password you established at sign up to see how to invest your company sponsored retirement plan. Remember, we are always available to answer any questions.

We Send You an Update Each Quarter

With your busy day-to-day activities, it can be difficult to remember when one quarter ends and the next begins. With the HCM 401(k) Optimizer®, you no longer need to worry about remembering to reallocate your company sponsored retirement plan. We send you email reminders each quarter with instructions about how to adjust your investments. You simply log in to your account at HCM 401(k) Optimizer® to make the changes.

Bonus! Help Protect Your Assets with the HCM-BuyLine®

One great feature of the HCM 401(k)Optimizer® is access to the HCM-BuyLine®. When the market drops below the HCM-BuyLine®, you will receive notification with advice on how to restructure your portfolio in an attempt to protect your assets. When the market moves above the HCM-BuyLine®, you will once again receive advice about what to do next.

We want what is best for our clients, including helping you avoid 401k mistakes. By taking the time to meet with David or his team at MFS now, you can enjoy your retirement years to the fullest.

Retirement. Your vision. Our passion.

Contact Us Today!

Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Macino Financial Services are independent of each other. For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management.

The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.


Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.


Macino Financial Services and/or David Macino are not affiliated with or endorsed by the Social Security Administration or any other government agency.


Fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance product sales, including annuities, life insurance, and long term care insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. IAR is also a licensed insurance agent. In this capacity, IAR may offer fixed life insurance products and receive normal and customary commissions. The client is under no obligation to purchase products through IAR on a commissionable basis. In addition, IAR may receive other compensation such as fixed or variable life trails. The potential for receipt of commissions and other compensation when IAR acts as an insurance agent may give IAR an incentive to recommend insurance products based on the compensation received.

Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer.

Investment advisory services are offered through Virtue Capital Management, an SEC Registered Investment Advisor. Macino Financial and VCM are independent of each other. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the Commission and does not mean that the adviser has attained a specific level of skill or ability.All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio’s performance. There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. We cannot guarantee that a portfolio will match or outperform any particular benchmark. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.