SBC Financial

Here's something Fidelity won't tell you at open enrollment: Your 401(k) may already have a feature called BrokerageLink that lets a fiduciary advisor manage your money inside your existing plan. No rollover. No new account. No disruption to your current contributions. Just professional investment management -- inside the plan you already have. Here's how it works: - Your employer's plan has BrokerageLink enabled (we verified yours does) - You activate it and move a portion of your balance into a self-directed brokerage account - A fiduciary advisor at SBC Financial builds and manages a custom portfolio for you You've spent decades building your 401(k). Let us help you make the most of it.

If you're a Bradford White employee with an ESOP distribution coming, here's what most people don't know: Without a rollover strategy, your entire payout could be treated as ordinary income — potentially pushing you into the highest tax bracket you've ever been in. There's a strategy called Net Unrealized Appreciation (NUA) that's available exclusively to ESOP participants. It could allow you to pay capital gains rates instead of ordinary income tax on part of your distribution. Most financial advisors don't even know it exists. SBC Financial specializes in this. We've worked with Bradford White employees since 2015. A+ rated at the BBB. Certified Financial Fiduciary. Book a free 30-minute consultation. No obligation. Just answers.

Bradford White employees: you have 60 days from your ESOP distribution event to roll over your payout — or the IRS takes a significant cut. Most employees don't realize how much of their ESOP distribution they can legally protect. Without a plan, your payout gets taxed as ordinary income. With the right rollover strategy, you could defer tens of thousands in taxes and keep your retirement intact. SBC Financial has helped multiple Bradford White employees navigate this exact situation. We're Certified Financial Fiduciaries — independent, non-biased, and already trusted by your colleagues. Get your free Bradford White ESOP Rollover Guide and find out exactly what your options are.

Your Fidelity 401(k) has a hidden feature most employees never use. BrokerageLink opens a Self-Directed Brokerage Account inside your existing plan — giving you access to professional investment management and a broader universe of investments. Our fiduciary advisors help you activate it, build a custom portfolio tailored to your goals, and provide ongoing guidance. We work independently of your employer and entirely in your best interest. Don't leave your retirement to chance. Book your FREE 401(k) review today.

Picture this: You're 62. Your 401(k) has been professionally managed for the last 10 years. Your portfolio reflects your actual goals, your actual timeline, and your actual risk tolerance. Not a generic target-date fund. Not whatever your employer defaulted you into. We help Fidelity 401(k) participants 50+ activate BrokerageLink -- a built-in feature that opens up professional investment management inside your existing plan. No rollovers. No new accounts. Just a smarter strategy for the money you've already saved. SBC Financial's fiduciary advisors have helped hundreds of employees unlock this feature and build retirement plans that actually work for them. Book your free 401(k) review today. It takes less than 60 seconds.

Most companies are leaving one of the highest-ROI employee benefits on the table. Not because they don't want it. Because they assume it costs too much, takes too long to implement, or requires a dedicated HR budget they don't have. Here's what they're missing: a fiduciary-led financial education program, professionally delivered, fully customized to your workforce, and available at no cost to your company. No budget line. No vendor RFP marathon. No implementation headache. Just a benefit your employees will actually use, from a Certified Financial Fiduciary, with a team who's been doing this for 17 years. See how it works.