401(k) support built for healthcare
Your team has 401(k) questions.
Harbor has answers.
Harbor gives medical practices an easier way to support their retirement plan. Employees get a simple place to understand their benefits, investments, and next steps — without sending every question to the practice manager.
Harbor assistantAm I contributing enough to get my full match?
Can I add my spouse as my beneficiary?
Is my money invested correctly for my age?
Illustrative example. Conversations shown do not use real participant information.
Less work for your team
Your practice manager shouldn’t be the 401(k) help desk.
Employees have questions. Those questions often end up with the practice manager, physician owner, payroll team, or someone who was never supposed to provide retirement-plan advice.
Harbor gives employees somewhere better to go.
How much should I contribute?
What does the company match?
When am I vested?
How do I add a beneficiary?
What investments should I choose?
Can I change my contribution?
What happens to my 401(k) if I leave?
Meet Harbor
One place for every employee to understand their retirement plan.
Harbor answers questions using the plan documents, investment menu, and fee disclosures for your plan — and says so plainly when it doesn’t have the information required to answer.
Ask HarborAm I getting my full employer match?
Illustrative example. Conversations shown do not use real participant information.
For practice managers
Fewer questions. A better employee experience.
Harbor becomes the retirement-plan resource for your employees so your practice manager doesn’t have to.
Without Harbor
Employee asks manager about match
Manager contacts provider
Employee asks about investment choices
Manager doesn’t want to give investment advice
Employee needs beneficiary help
Manager searches for provider instructions
Employee asks about vesting
Manager searches plan documents
Employee wants to change contributions
Manager coordinates with payroll/provider
With Harbor
Employee asks Harbor.
Harbor provides the answer, guidance, or next step.
Your manager manages the practice. Harbor handles the retirement-plan questions.
For physician owners
A better 401(k) without adding more work.
A strong retirement plan helps attract and retain employees, but managing the investment side of the plan shouldn’t become another job for the physician owner.
Harbor provides professional investment advisory support, employee guidance, and ongoing plan investment oversight while working with the providers your practice already uses.
Investment oversight
Harbor reviews and monitors the plan’s investment menu.
Employee support
Employees get a dedicated place for retirement-plan questions.
Investment guidance
Participants can receive understandable guidance using the investments available inside their plan.
Less administrative friction
Harbor helps employees understand where and how to make plan changes.
Keep your plan. Upgrade the experience.
Your existing providers can keep doing what they do. Harbor becomes the investment advisory and employee-support layer connecting your practice and employees to the retirement plan.
Medical Practice
Owners, managers & administrators
Investment advisory & employee support layer
Employees
Physicians, PAs, NPs, nurses, MAs & office staff
Works alongside
You don’t necessarily need a new 401(k).
You may just need a better advisor.
For employees
Retirement advice that actually makes sense.
Employees ask in plain language and get a plain-language answer built around the investments actually available in their plan — plus the exact next step to take with their provider.
Illustrative example. Conversations shown do not use real participant information.
Individualized investment recommendations are provided only through Dyad Capital LLC once the appropriate advisory relationship, participant information, permissions, and disclosures are in place.
How should I invest my 401(k)?
You’re 34 with a long retirement horizon. Based on the lower-cost diversified investments available in your plan, Harbor suggests:
Estimated weighted expense ratio: 0.05%
Why this mix?
It provides broad diversification while favoring long-term growth and keeping investment costs low.
See how to make the changesHarbor doesn’t just explain the plan. It shows employees what to do next.
Question → Answer → Action
Am I getting my full match?
Can I add a beneficiary?
Are my investments expensive?
How should I invest?
Illustrative example. Conversations shown do not use real participant information.
Investment advisory
Better employee support starts with better investment oversight.
Harbor is more than an employee experience. Harbor and Dyad Capital LLC review the actual plan investment lineup — the funds, the fees, and the alternatives available inside your plan.
The technology makes the experience easier. The advisor makes the investment decisions accountable.
Easy for the practice. Easy for employees.
01
Harbor reviews the plan
We review the plan documents, investment lineup, fees, and existing provider relationships.
02
Employees get Harbor
Your team receives access to a simple retirement-plan assistant.
03
Ask anything
Employees use Harbor for retirement-plan questions instead of going to the practice manager.
04
Harbor stays involved
Dyad provides ongoing investment advisory support and plan investment oversight within the scope of the engagement.
Real questions, clear answers
What Harbor sounds like inside a medical practice.
NurseI’m 29. Is my 401(k) invested too conservatively?
Physician AssistantMy employer matches my 401(k). How much should I contribute?
Medical AssistantI just got married. How do I change my beneficiary?
PhysicianAre the investments in our plan expensive?
Practice ManagerAn employee wants to know when they’re vested.
Illustrative example. Conversations shown do not use real participant information.
Give your employees a better place for 401(k) questions.
Harbor combines retirement-plan investment advisory services with a simple employee experience built for medical practices.
Less work for your practice. Better retirement guidance for your employees.