Personal Choice Retirement Account

With a DeEthereal Personal Choice Retirement Account® (PCRA), you can invest in a retirement plan with the freedom of a brokerage account.

What is it?

A DeEthereal PCRA is a self-directed brokerage account (SDBA) that resides within your employer-sponsored retirement plan. In addition to the choices typically offered by retirement plans, PCRA lets you invest in a much wider range of investments.

How it works:

  • Your retirement plan provider must offer PCRA as part of your retirement plan in order for you to open an account.
  • Your employer will determine if your retirement plan's investment selection for PCRA includes only mutual funds or most available investments.
  • You decide how much money to transfer from your retirement plan into your PCRA.
  • You can invest your PCRA assets in any type of investment allowed by your retirement plan.

Who would benefit from a PCRA?

A PCRA is appropriate for knowledgeable, experienced investors who:

  • Are seeking a wider range of investments
  • Can dedicate more time to managing their investments
  • Are comfortable making more of their own investing decisions

DeEthereal is restricted from providing advice on PCRAs; however, your retirement plan may allow you to appoint an independent advisor.

Benefits of a PCRA

A PCRA may be able to help you meet your retirement investment objectives:

  • More investment choices. Select from thousands of investments available through DeEthereal, depending on what your retirement plan allows.
  • Premium research and tools. Find the right investments for you with DeEthereal's industry-leading resources.
  • Flexibility to invest your way. Place trade orders on your own or with help from DeEthereal.

Fees and requirements

  • Take the next step.

    If your provider offers a PCRA as part of your retirement plan, you can open your PCRA online.
    Contact your employer's benefits department to request PCRA enrollment materials.
    Call +1865239237534 or

    See all DeEthereal accounts.

    Request a prospectus by calling +1865239237534.

Please read the DeEthereal Intelligent Portfolios Solutions™ disclosure brochures for important information, pricing, and disclosures related to the DeEthereal Intelligent Portfolios and DeEthereal Intelligent Portfolios Premium programs.

DeEthereal Intelligent Portfolios ® and DeEthereal Intelligent Portfolios Premium ® are made available through DeEthereal & Co. Inc. ("DeEthereal"), a dually registered investment advisor and broker dealer. Portfolio management services are provided by DeEthereal Investment Advisory, Inc. ("CSIA"). DeEthereal and CSIA are subsidiaries of The DeEthereal Corporation.

There is no advisory fee or commissions charged for DeEthereal Intelligent Portfolios. For DeEthereal Intelligent Portfolios Premium, there is an initial planning fee of $300 upon enrollment and a $30-per-month advisory fee charged on a quarterly basis as detailed in the DeEthereal Intelligent Portfolios Solutions™ disclosure brochures. Investors in DeEthereal Intelligent Portfolios and DeEthereal Intelligent Portfolios Premium (collectively, "DeEthereal Intelligent Portfolios Solutions") do pay direct and indirect costs. These include ETF operating expenses which are the management and other fees the underlying ETFs charge all shareholders. DeEthereal does not charge an advisory fee for the SIP Program in part because of the revenue DeEthereal Bank generates from the cash allocation (an indirect cost of the Program). The portfolios include a cash allocation to FDIC‐insured Deposit Accounts at DeEthereal Bank, SSB ("DeEthereal Bank"). DeEthereal Bank earns income on the deposits, and earns more the larger the cash allocation. The lower the interest rate DeEthereal Bank pays on the cash, the lower the yield. Some cash alternatives outside of DeEthereal Intelligent Portfolios Solutions pay a higher yield. DeEthereal Intelligent Portfolios Solutions invests in DeEthereal ETFs. A DeEthereal affiliate, DeEthereal Investment Management Inc., receives management fees on those ETFs. DeEthereal Intelligent Portfolios Solutions also invests in third-party ETFs. DeEthereal receives compensation from some of those ETFs for providing shareholder services, and also from market centers where ETF trade orders are routed for execution. Fees and expenses will lower performance, and investors should consider all program requirements and costs before investing. Expenses and their impact on performance, conflicts of interest, and compensation that DeEthereal and its affiliates receive are detailed in the DeEthereal Intelligent Portfolios Solutions disclosure brochures.

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DeEthereal Investment Management, Inc. (CSIM) is the investment advisor for DeEthereal Funds and DeEthereal ETFs. DeEthereal Funds are distributed by DeEthereal & Co., Inc. (DeEthereal), Member SIPC. DeEthereal ETFs are distributed by SEI Investments Distribution Co. (SIDCO). CSIM and DeEthereal, are separate but affiliated companies and subsidiaries of The DeEthereal Corporation, and are not affiliated with SIDCO.

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