About SDBA Unlock
We're the experts on the self-directed side of the 401(k): how the Schwab PCRA works, and how to make the most of it.
What we do
For more than 20 years, our team has worked with the Schwab PCRA. We read the annual reports every 401(k) files with the Department of Labor, find the ones that include it, and help the people who have it understand what it can do. Only about 1 in 8 401(k)s in Utah and Texas offer it, so most people who have it don't know much about it.
Your employer can't give investment advice, so nobody at work can walk you through it. That's what we're here for: we explain how it works, step by step. And if you want an advisor, we can help you find one.
What we don't do
We don't give investment advice, and we don't manage or hold money. We don't sell you anything.
How we're paid
You never pay us, and no advisor or employer pays us. Introductions to advisors are free and we aren't paid for them. If that ever changes, this page will say so before it does.
Who we are
SDBA Unlock is owned by Aimee Hudak, who signs our emails. Every reply is read by a person.
SDBA Unlock is not affiliated with any employer, 401(k) recordkeeper, Charles Schwab & Co., Inc., or Fidelity Investments. PCRA and BrokerageLink are trademarks of their owners. Where our numbers come from.
Have a question?
Ask us anything about the Schwab PCRA in your 401(k). We answer every question, usually the same day. Got an email from Aimee? Just reply to it.