Putting YOU in control of

a happy retirement.

About 401k Masters

Retirement is up to you!

We provide investment recommendations to 401k participants so they can manage their 401k plan. We advise our members when we believe an investor’s investment allocation should change in their retirement account based on changing market conditions.

Managing your retirement investments can be overwhelming. Many retirement savers hope for a secure retirement one day. 401k Masters will provide you with personalized advice for your 401k or similar qualified plan each calendar quarter. We have created an online GPS tool, to give you simple turn-by-turn-directions on exactly what to invest your savings in, inside your 401k. We'll even tell you when to move it all to cash, or what we call "Protect Mode", when our indicators signal the possibility of more hazardous investing conditions. You see, we're not going to let you just sit there, riding the stock market up and down, hoping it all works out one day!

Click here to see disclosures and more information about risk.

Don't have a 401k? That's ok. 401k Masters also provides advice to participants with 403(b)s, 457 deferred comp plans, SEPs, and SIMPLE IRAs. As long as you participate in some sort of employer-sponsored plan, WE CAN HELP!

Our purpose is to transform the way the world plans for retirement. We do this in three ways:

  1. Strive to minimize risk and maximize the growth potential of our Members’ retirement savings
  2. Provide strategies that eliminate emotion, second guessing, and the dependence on “buy, hold, and hope” investing
  3. Educate our members on how to avoid the most common mistakes made by the vast majority of retirement savers

Your 401k Masters Team

James C. Gebhardt, CFP® — Co Founder & Chief Investment Officer

As the founder of 401k Masters, Jim’s first priority is to establish a trustworthy relationship with those Members who seek his guidance in getting their financial house in order. His mission is to protect his clients’ assets and to manage their retirement savings with discipline. As an advisor and financial planner, he is in demand for his creativity and unbiased thinking. Jim continually fine-tunes his listening skills and withholds judgment, thereby enabling him to offer calmness in times of uncertainty and hope during periods of distress. When it comes to legacy planning, he is sought out for his ability to guide clients through a systematic process of identifying “true wealth” so clients may integrate that information and values into a comprehensive family plan.

Jim's wife, Beth, and he are proud parents of four young children, who inspire them with wonder and foster a healthy sense of humor and adventure. His associates view him as a professional. Whether on the golf course, at work or with his family, Jim keeps his feet firmly planted on the ground, his eye on the ball and his heart in the right place. His strategic leadership is valued by clients, Members, peers and business associates. In particular, families seek his counsel during times of major transitions, and a wide range of organizations value his contributions to the cultural fabric of the community through charitable giving.

Jim holds a Bachelor of Arts degree in Economics from the University of Rochester, New York. He is an experienced surety bond underwriter, which makes him familiar with the unique issues associated with the construction industry. Before founding his own business, he worked for two major brokerage firms over a ten-year period, and in the process earned the Certified Financial Planner™ certification.

Jim holds a State of California Insurance License for Life, Accident, Disability and Health Insurance. His registrations include Series 7, Series 63, Series 65, and Series 31.

Matthew Grishman — Co Founder & Chief Marketing Officer

As the Co-Founder of 401k Masters, Matthew is our national spokesperson, delivering our message of confidence, clarity, and peace of mind to millions of retirement savers.

Coaching is Matthew’s passion. His unique ability is to motivate others to reach their full potential in every aspect of their lives. Matthew’s talents are put to their highest and best use working with families to build the foundations for true wealth creation, coaching other wealth advisors to develop their value proposition, and dedicating himself to children, coaching Little League Baseball and youth basketball.

Matthew began his career in financial services in 1995 with A.G. Edwards & Sons, Inc. as an Investment Broker. He has held national spokesperson positions with MetLife, Lord, Abbett & Co, and Putnam Investments. Most recently, Matthew was a Partner and Wealth Coach at Gooderham, Grishman & Associates, LLC, a wealth advisory firm in Roseville, CA.

Matthew resides with his wife, Amie, and their two sons, Miles and Lucas, in Rocklin, California. When not working with clients, Matthew spends his time coaching Little League baseball and AAU basketball, tending to the fruit trees in his backyard, and exploring amazing places with his family, like Yosemite National Park, the California Coast, and big cities around the world. Matthew also serves on the Board of Directors for Tri City Little League, Rocklin, CA.

Matthew received a Bachelor of Arts degree in Political Science and Sociology from the State University of New York at Albany in Albany, New York in June of 1994.

Matthew holds a State of California Insurance License for Life, Accident, Disability and Health Insurance. Matthew has taken the fiduciary oath as an Investment Advisor Representative, holding a Series 65 registration.

Nancy Pahl — Client Service Specialist

Over the past 11 years, Nancy has worked in the financial industry as a registered sales assistant and client service specialist. Her warmth and interest in people puts clients at ease the minute they meet her, either on the telephone or in the office. Her responsiveness to client requests and her attention to detail are her trademarks. She holds Series 7 and Series 63 registrations. Nancy earned a Bachelor of Arts degree in Art from San Jose State University and is bringing her skills into the current millennium by learning computer applications for design and visual communications. She and her husband are enjoying the freedom that comes with having two almost independent daughters.

Allison McGrath — Operations Specialist


allison.jpgAs the Operations Specialist for 401k Masters, Allison wears several hats. She is responsible for the day to day operations of our firm, based out of our Roseville, CA office, as well as managing all Human Resource functions of the organization. She also manages all of the technology, social media and backstage functioning of our online 401k advisory tool. Allison has an extensive business management background, including golf course management and law firm administration.

Being an Air Force “brat”, Allison has lived all over the country, eventually settling in Northern California after college. She now resides in Rocklin, CA with her husband, John, and two very busy children, Kyle and Delaney. Allison is very active in the local community serving as Little League President and on the Board of Directors for Rocklin Youth Soccer Club. Allison spends most of her free time as “Mom”, watching Kyle play high school baseball and Delaney play competitive soccer. She wouldn’t have it any other way!

Customized investment recommendations are provided each quarter specific to your company plans. WOW! Relief is around the corner. Help has arrived. It's called:

The Advantage Program by 401k Masters.