Pontera

Household-level trading lets you rebalance multiple accounts together, so a client’s IRA, taxable account, and workplace plan follow one strategy. Including 401(k) assets helps target allocation across the full household rather than managing separate portfolios in silos, creating a more coordinated experience and better alignment across accounts.

Pontera helps you monitor and rebalance 401(k), 403(b), and other held-away accounts as part of the broader household strategy. This puts workplace plans under the same models and oversight used for custodied accounts.

The integration brings held-away retirement accounts into Orion’s unified workflows. Advisors see a complete household picture, operations teams reduce manual handoffs, and firms can deliver a consistent service model at scale.

Including 401(k)s in household targets reduces allocation drift when plan accounts sit outside the strategy. It also helps coordinate exposures across accounts, avoid unintended concentrations, and apply asset-location decisions across the entire household by placing each investment in the most tax-efficient account type.

Clients often see their 401(k) as their primary retirement account. When it’s part of your advice and oversight, the conversation is clearer and the plan feels more comprehensive. It also reinforces the value of managing the full household—not just the accounts held in custody.

Orion Connect brings held-away data into Orion for unified reporting, billing, and reconciliation. Orion Eclipse supports trading and rebalancing using Restricted Plan data so workplace plans can be managed in Eclipse-managed portfolios. Firms can start with Connect for visibility and add Eclipse when they’re ready for household-level trading.

A Restricted Plan is a list of securities available for purchase in a specific account, like a 401(k) limited to its plan lineup. Eclipse uses it to ensure trades follow plan rules, while other household accounts can still use the full model. This keeps rebalancing compliant and closer to the model.

Pontera sends plan fund data to Eclipse, including fund lineup, expense ratios, classifications, and fact sheet URLs. With that in the trading system, teams can build and maintain plan-aware models without reentering fund lists for each plan. 

Eclipse generates rebalances that include Pontera-held retirement accounts and can export up to 100 rebalances in a single file for import into Pontera. This streamlines execution across many households and reduces back-and-forth between systems.

Pontera delivers account data to Orion—accounts, positions, transactions, securities, and prices—three times per day. It also sends plan-related data to Eclipse daily (such as fund details and fact sheet URLs). Frequent updates improve reporting and oversight between rebalance cycles.

Currently, the workflow is file-based. FIX protocol doesn’t support 401(k) allocation trading, so advisors download a file from Orion and upload it into Pontera to submit allocation changes.

The Pontera workflow includes a “Keep Allocation” (minimum trade) threshold that controls how far an allocation can drift before triggering a rebalance. For a tighter approach, the threshold can be set to 0%.

Advisors typically manage held-away accounts through Pontera under their existing advisory agreement, with clients authorizing access and trading. Pontera isn’t a broker-dealer or registered investment adviser; it’s a platform that lets advisors implement their own decisions within plan rules.

Yes. When generating the trade file from Orion, firms can set future contributions to true or false depending on whether they should be factored into the allocation.