Let us show you a company retirement plan that respects your values.
If you value integrity, freedom, and vision… If you rely on your ability to compete, to innovate, to inspire, and to create value… We understand because we are entrepreneurs too. And we’ve built these values into The American Dream 401(k).
“Clients do not come first. Employees come first. If you take care of your employees, they will take care of the clients.”1
- Richard Branson
“When something is important enough, you do it even if the odds are not in your favor.”2
- Elon Musk
“I didn’t get there by wishing for it or hoping for it, but by working for it.”3
- Estée Lauder
“Always deliver more than expected.”4
- Larry Page
“Innovation distinguishes between a leader and a follower.”5
- Steve Jobs
Create Value With
The American Dream 401(k)
1
Potential Business Advantages
Optimize your finances with possible tax advantages
Enhance employee loyalty and performance
Manage fiduciary risks efficiently
Lean on our robust backend support for seamless implementation
Your 401(k) Solution vs. The Government Mandated Option6
There are currently 11 states with government-mandated auto-enrolled IRA programs, with more states on the horizon.6
In these states, you must either choose your own option, or go with the government-mandated one.
Wouldn’t you rather be in the driver’s seat for how you want to empower your employees to save for retirement - rather than leave it up to a government program?
States with current auto-enrollment legislation:
California
Connecticut
Illinois
Maryland
Massachusetts
New Jersey
New York
Oregon
Vermont
Virginia
Washington
Laws enacted (2012 - present)
Legislative proposal and/or study in 2022
Recent state efforts (2012 - 2022)
No recent state efforts
Realize the Key
Tax Benefits of a 401(k)7
We're committed to working with service providers that can help you design and implement a company plan that helps you take advantage of all the available tax benefits to you and your business.
With high contribution limits, tax credits, and tax-deductible expenses, a 401(k) plan can provide great benefits for both owners and employees.
Are you currently:
Taking advantage of recent legislation in the SECURE Act 2.0
Maximizing personal tax deferred contributions as an employee of your company
Receiving up to $15,000 in tax credits in the first three years (for businesses with 2 to 100 employees).
Considering how you can hedge future taxes with a Roth 401(k)
Maximizing your contributions and tax deductions if you decide to match
Considering the benefits of profit sharing into your 401(k) program to help manage business taxes
A fully developed support structure.
Your coach, along with Matson Money, can provide a developed support structure, education, and training to help you and your employees get the most out of your company plan.
Make it simple.
Our team is committed to making it simple to launch your plan and to provide outstanding and ongoing service to your employees.
Mitigate risk.
As the plan sponsor, you are considered a fiduciary, with important legal responsibilities. Your fiduciary risk can be mitigated by using providers who help you take on those responsibilities.
25%
of employees agree that the most desired employer benefit is a financial wellness program with access to unbiased counselors and training.8
76%
of employees are likely to be attracted to another company that cares more about their financial well-being.8
73%
of employees say that their financial worries severely or majorly impact their productivity at work.8
62%
of workers seriously consider the availability of a retirement plan when deciding whether to accept or remain in a job.8
01/04
Investor Training and Development:
A Key Benefit to You and Your Employees
25% of employees agree that the most desired employer benefit is a financial wellness program with access to unbiased counselors and training.8 The training provided to the American Dream 401(k) participants goes the extra mile in creating value for plan sponsors.
Investing is a lifelong game. Just like top athletes, successful investors need exceptional coaching and training.
Our comprehensive training offerings help provide clarity about what they are doing with their investments and why.
The American Dream 401(k) Empowering Your Why
Program Participant Training and Development Pathways
Creating your American Dream with your 401(k)
The instant they enroll in The American Dream 401(k), your employees get coaching and guidance that can help them optimize their financial outcomes.
Your American Dream is directly impacted by your saving, planning, and investing strategy.
Your American Dream is within your grasp, and your company retirement plan is a powerful access to fulfilling on it.
Investing can be complex, we are here to support, train, and develop you to achieve your dreams.
Through systematic, year-round educational modules, your employees can access the training and development that can help them transform into savvy lifelong investors.
Investor coaching series
Dismantling the myths of investing
Mind Over Money
Verify, Verify, Verify
The Investing Vortex
Traditional Index Investing vs. A Structured Market Approach
Built to Last: Engineering a Portfolio that can Survive a Volatile Market
Save the Investor, Save the World®
Dimensions of Rebalancing
Creating the Ideals of the American Dream as a global Phenomenon
Our premier two-day training can provide your employees with clear insights into Nobel Prize-winning investing principles, empowering them to align their finances with their life's purpose and dreams.
Hear what people are getting out of our flagship investor training and development event, The American Dream Experience – available to your employees at no charge.9
INVEST LIKE A SCIENTIST
An Academic Approach to Wealth Creation
Unlike standard retirement investing programs, we offer a clear investing philosophy based on Nobel Prize-winning academic principles.
Investing decisions should be viewed through the lens of science, not as a game of chance. With The American Dream 401(k), built on established economic principles and years of experience, we turn investing into a systematic lifelong journey to help create and protect your wealth.
Clarity and Diversification
Whereas complex and confusing investment menus “can lead participants to naively diversify their portfolios”10 the American Dream 401(k) is designed with globally diversified portfolios constructed in alignment with Nobel Prize-winning investing principles. This can help provide your participants with both clarity and diversification.
Our Academic Advisory Board
The Power of Knowledge and Research
We are proud to have a prestigious academic board that includes Nobel Prize winner Harry Markowitz, Presidential Medal of Freedom Recipient Arthur B. Laffer, and internationally renowned neuroscientist David Eagleman – all dedicated to helping you adopt a scientific and disciplined approach towards investing.
Their invaluable contribution to the foundational principles of Matson Money helps to ensure that you are leveraging the best of academic insights for your wealth creation journey.
Harry Markowitz received the Nobel Prize for Economics in 1990 for his contributions to financial economics. Markowitz developed the foundations of Modern Portfolio Theory in the 1950s, which demonstrates how an investment portfolio can be engineered to maximize return for any given level of risk. This work included the Markowitz Efficient Frontier which allows individual investors to understand how a portfolio’s expected returns vary with the amount of risk taken for a given combination of asset classes.
In 1989, Dr. Markowitz was awarded the John Von Neumann Theory Prize in Operations Research Theory from the Operations Research Society of America and Institute for Operations Research and Management Sciences (‘INFORMS’) for contributions in portfolio theory, sparse matrix methods, and simulation language programming.
Markowitz has taught economics at Baruch College at the City University of New York, from 1982 until 1993, where he is now Distinguished Professor Emeritus. He now engages as an Adjunct Professor at the Rady School of Management at the University of California, San Diego; as well as Principle of Harry Markowitz Company.
Since its inception, the Matson Method of portfolio construction has been based on strong academic investing principles, enabling us to provide advisors and investors alike an investing methodology that aligns to their long-term financial goals and sensitive to their risk tolerance. Undoubtedly, essential to these principles is Markowitz’s Modern Portfolio Theory, which we assert will continue to still work for generations to come to have peace of mind around their money.
We are pleased to have Mr. Markowitz as a member of our Academic Advisory Board.
Dr. Laffer’s economic acumen brings a distinct advantage to Matson Money, our coaches, and clients with insights on the implication of economic policy on savers and investors. Frequently referred to as “The Father of Supply-Side Economics,” Dr. Laffer helps navigate the complexities of the economy, interest rates, and tax efficiency as it applies to portfolio construction.
Terrance Odean is a leader in the field of behavioral finance, boasting extensive research in the area of investor behavior, investor biases and habits. His research reveals how behavior can destroy investor performance and the ability to create wealth. Dr. Odean’s expertise is essential to the creation of coaching systems and tools for prudent long–term investing.
As an expert in the field of statistics, Dr. Ott lends his expertise to Matson Money and investors by actively analyzing and providing third-party validation for the economic and financial research upon which our portfolios are constructed. His scrutiny indicates the probability of outcomes concerning the implementation of specific investing strategies. His analysis of the existence and confirmation of “The Barbell Effect” has a significant impact on the design of Matson Money portfolios.
Investor behavior and decision making is a key component to reaching long-term investing goals. We are pleased to welcome noted behavioral finance researcher, Meir Statman to the Matson Money Academic Board. His work attempts to understand how investors and managers make financial decisions and how these decisions are reflected in financial markets. His most recent book is “Finance for Normal People: How Investors and Markets Behave”.
David Eagleman is a neuroscientist at Stanford University, an internationally bestselling author, and a Guggenheim Fellow. He is the writer and presenter of The Brain, an Emmy-nominated television series on PBS and BBC. Dr. Eagleman’s areas of research include sensory substitution, time perception, vision, and synesthesia; he also studies the intersection of neuroscience with the legal system, and in that capacity he directs the Center for Science and Law. Eagleman is the author of many books, including Livewired, The Runaway Species, The Brain, Incognito, and Wednesday is Indigo Blue. He is also the author of a widely adopted textbook on cognitive neuroscience, Brain and Behavior, as well as a bestselling book of literary fiction, Sum, which has been translated into 32 languages, turned into two operas, and named a Best Book of the Year by Barnes and Noble. Dr. Eagleman writes for the Atlantic, New York Times, Discover Magazine, Slate, Wired, and New Scientist, and appears regularly on National Public Radio and BBC to discuss both science and literature. He has been a TED speaker, a guest on the Colbert Report, and profiled in the New Yorker magazine. He has spun several companies out of his lab, including Neosensory, a company which uses haptics for sensory substitution and addition.
Our unwavering commitment to innovation, creativity, and service.
Education & Inquiry
The continuous pursuit of financial academic theory. Being the leader in the application of empirically tested Nobel Prize-winning investing principles.
Training & Development
Empowering investors to be prudent and disciplined throughout an entire lifetime.
Free Markets Work
We are a stand that a free market pricing system inspires competition, innovation, and wealth creation.