BrokerageLink Options for Oil and Gas Employees: Maximize Your 401(k) Investment Flexibility

What Is a BrokerageLink?

A BrokerageLink is a special investment option within certain employer-sponsored retirement plans—like a 401(k)—that allows you to open a brokerage account connected to your retirement plan. Think of it as opening a “window” inside your 401(k) that lets you access a much broader universe of investment options than the typical preset menu of mutual funds and target-date funds your employer provides by default.

Instead of being limited to a small selection, a BrokerageLink account allows you to invest in a variety of mutual funds, ETFs, individual stocks, and bonds—giving you far more flexibility to tailor your portfolio to your unique investment goals and preferences.

Why Oil and Gas Employees Should Consider It

If you work in the oil and gas industry, you may find that your 401(k) investment lineup is limited or not well-suited to your financial situation or risk appetite. A Brokerage Link account can help you:

• Expand Your Investment Options: Gain access to a wider range of mutual funds, ETFs, and other securities, including those aligned with the energy sector or strategies focused on income, growth, or diversification.

• Personalize Your Investment Strategy: Choose investments that reflect your view on the market, energy trends, or your own career outlook. You are not restricted to only the retirement plan’s default menu.

• Professional Management Opportunity: If you prefer, you can engage a financial advisor to help you manage investments held within your BrokerageLink account—so you can focus on your work, not constantly monitoring your portfolio.

Important: Your Plan Must Allow It

Not every 401(k) or retirement plan includes a BrokerageLink option. Your ability to invest through BrokerageLink depends entirely on your employer’s plan design and rules. Some plans allow you to invest all or only a portion of your 401(k) in BrokerageLink; others may not offer it at all. You’ll need to check with your HR department, plan administrator, or on your plan website to see if this feature is available.

Additionally, there may be restrictions, such as:

• Limits on how much of your balance you can move to Brokerage Link.

• Rules about which investments are permitted.

How We Make BrokerageLink Work for You

We custody assets with Fidelity, which means if your employer’s 401(k) plan allows for BrokerageLink, we can help you open a BrokerageLink account and provide ongoing investment management within your 401(k). You’ll benefit from:

• Secure, industry-leading technology and service provided by Fidelity.

• Active oversight and guidance from our team, who understands the unique needs of oil and gas professionals.

• Full regulatory compliance, reporting, and transparency in line with your plan’s options.

Is BrokerageLink Right for You?

A BrokerageLink account can be a valuable tool for those who want greater investment choice and are comfortable managing (or delegating management of) a “do-it-yourself” portfolio. It may not be suitable if you prefer the simplicity of limited options and hands-off investing. Also consider that additional fees, commissions, and responsibilities apply when using a self-directed brokerage account.

If you’re interested in learning more—or want to see if your plan allows for BrokerageLink—reach out to us. We’ll help you understand your options and set up a tailored investment strategy that fits your financial goals.