SECURE YOUR LEGACY
Find the Hidden Fees Eating Your Old 401(k) — Even If You Already Have an Advisor
We help individuals across Texas uncover hidden fees, organize retirement accounts, and build a clearer path to retirement income and confidence.
30 minutes · Completely free · No paperwork signed
Which one sounds like you?
WHO THIS IS FOR
I've Got Old 401(k)s Floating Around
I've changed jobs a few times. I'm pretty sure I have old 401(k)s sitting at companies I don't work for anymore — but I honestly don't even remember where all of them are."
What you'll get: "We'll help you locate every old retirement account, show you what's actually in them, what each one is costing you in fees, and what your real consolidation options look like.
I'm a Teacher with a 403(b) or 457
"I have a 403(b) (or 457) through my school district. I've heard a lot of these plans are loaded with hidden fees, but I have no idea if mine is. I just signed up for whatever was offered."
What you'll get: "We'll review your exact 403(b) or 457 plan — what fund you're in, what you're really paying in fees and expense ratios, and whether you have better options you weren't told about.
I'm 5–15 Years from Retiring
I'm getting close to retirement. My advisor says everything's fine, but I want a real second opinion before I run out of time to fix anything. The mistakes you make in this window are hard to undo."
What you'll get: "We'll review your current allocation, the fees you're paying, your projected income at retirement, and whether your plan still makes sense for where you actually are now.
I Have an Advisor — but I Want a Second Opinion
I have an advisor, but markets have been rough and I'm not sure they're actually looking out for me. I'd like a second set of eyes without switching, without commitment, and without sitting through another sales pitch."
What you'll get: "We'll review your current portfolio against what's actually available to you independently, honestly, with no pressure to change anything. You walk away with a written summary either way.
Simple 3-Step 30-Minute Review Process
How Its Work
Pick a time
Use the calendar at the bottom of this page. 30-minute slots, virtual.
We talk
Phone or video, your choice. I'll ask about your accounts. If you have a recent statement handy, we can pull it up together.
You decide
After the call you have a clear picture. If we make sense to work together, great. If not, no pressure — you keep everything you came in with.
Meet Josh
ABOUT JOSH
I’m Josh Broach, a Retirement Planning Professional with HavenPoint Retirement Strategies LLC. I help individuals across Texas better understand retirement accounts, retirement income options, and account organization strategies.
My approach is education-first. I believe in clear explanations, honest guidance, and helping you make informed decisions with confidence.
Licensed in Texas for Life & Health Insurance.
Texas License #3082449
Josh Broach
Retirement Planning Professional
Josh Broach
Common Questions About Your Retirement Review