Employer brief · public record
What Visible Changes employees should know about their 401(k).
Visible Changes' 401(k) includes a self-directed brokerage account. It says so in the 401(k)'s own audited financial statements, filed with the U.S. Department of Labor for 2024. Here is the line.
Source: Form 5500 for plan year 2024, Visible Changes, Schedule H and attached audited financial statements, U.S. Department of Labor EFAST2 public disclosure. Figures as of 31 December 2024.
Rather not take our word for it? Look for the Schwab PCRA on your 401(k) website, or call the number on your 401(k) statement.
What this means
The filing calls it the Personal Choice Retirement Account (PCRA) at Charles Schwab. It works inside your Visible Changes 401(k). Same tax treatment, far more choices than the funds your company picked, and the money never leaves your 401(k). You can move it back to your regular funds if you change your mind.
Once it's on, you can hold individual stocks, bonds and ETFs, even gold and silver funds, alongside your regular funds. And if you want it, professional advice from an advisor you choose.
Only about 8 cents of every dollar in the Visible Changes 401(k) is invested in it, and most employees have never been told it's there.
What this is not
This page is not advice. Whether the brokerage option is right for you depends on your balance and what you want from it. Your employer can't give investment advice, so nobody at work can walk you through it, and that's what we're here for.
Where to find it
On your Visible Changes 401(k) website, look under investment options for "brokerage," "self-directed," or "PCRA." Here's the step-by-step. If you can't find it, tell us below and we'll point you to the right page in your 401(k)'s documents.
Want the rest?
We'll email you a short, plain explanation of how the brokerage option works in the Visible Changes 401(k): how to turn it on, what it costs, what it allows, and what to ask HR.
It's already yours. Find out what it does.
Have a question?
Ask us anything about the Schwab PCRA in your 401(k). We answer every question, usually the same day. Got an email from Aimee? Just reply to it.