User:Jml401k/401k doctor

The 401k Doctortm is a service provided by Joseph Latour a Registered Representative and Investment Advisor Representative of and offers securities and advisory services through Symetra Investment Services, Inc. 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. 800-469-7667.Member FINRA/SIPC, Broker/Dealer and an SEC Registered Investment Advisor.Neither The 401k Doctor,The Annuity Doctor, LLC nor Latour Asset Management is a subsidiary or an affiliate of Symetra Investment Services, Inc.

The 401k Doctor was created in response to content contained in the Frontline episode entitled "Can You Afford to Retire" which aired on many PBS stations in March of 2006 and can be accessed by visting

The service provides expert, comprehensive and personalized advice, analysis and actionable guidance to individuals 401k and other group retirement plan participants for a set fee starting at $99 based upon the participant's plan balance. An integral part of the advice, review and guidance is to determine the participant's options to "roll over" his or her plan to an IRA to attempt to 1) reduce investment management fees through the use of exchange traded funds 2) expand investment options with measured risk reward utilizing modern portfolio theory 3) reduce risk through "stop loss protection" on certain securities 4) utilize variable annuities to produce lifetime income similar to a traditional pension.

These (4) items are important for every retirement plan participant to consider and are discussed in detail in an interview with John C. Bogle, Chairman of Vanguard at

Joseph Latour, president and founder of "The 401k Doctor" has held senior and executive level sales and advisory positions for some of the nations leading financial institutions, including National Westminster Bank, First Union, Fleet Bank and Bank of America where he achieved the level of Senior Vice President.

Most recently Mr. Latour was associated with Valic and AIG Retirement as a Financial Planning Advisor serving the investment and financial planning needs of thousands of retirees and other AIG employees in the Greater Atlanta area.

Throughout his career, he has had direct responsibility for the management of over $700 million in client assets and has sold over $1 billion in annuities. He maintains several industry designations and licenses including FINRA Series, 6, 63, 64 and 7, Insurance Producer in the states of GA and NJ and is working toward completing the prestigious designation of Chartered Financial Consultant through The American College of Financial Planning. Mr. Latour is also president of The Annuity Doctor, LLC an insurance agency domiciled in the state of GA and president of Latour Asset Management.

The 401k Doctor has a public website at