TA Today continues to pioneer tools to help the small investor/trader. The 401K and IRA Advisory Service is geared to all investors who have retirement accounts and could use sage advice on how to both protect and grow those accounts. Employer sponsored plans such as 401K, 403B, and 407 plans as well as self-directed IRA accounts are all covered in this unique advisory service. In many of the 401K type plans , the employer contributes a matching percentage based upon the amount the employee sets aside. It is almost always to your advantage to set aside as much as possible (up to the maximum amount the employer matches).

The Problem

The problem with all investments, including employer sponsored retirement plans, is that once you have begun to accumulate a nest egg, you have to decide how best to invest it. Without  a proper investment plan, your returns can not only be sub par, but they can end up negative as well.

The financial crisis has made investors all too much aware of the pitfalls of buy and hold. It's great if the market continually marches higher, but it can be devastating if it doesn't. According to Financial Advisor Magazine¹, Barclays Global released a comprehensive survey in New York in April of 2009 in which they stated the following:

"The average 401(k) investor lost almost one-third, or 28%, of his/her accumulated balances in 2008. 63% of those surveyed said that their confidence in their ability to retire had declined in the past year, and 15% said they were worried they might never be able to retire. Eighty percent of the respondents indicated they lost assets in 2008. Of those who lost assets and are worried they will never be able to retire, 58% indicated they will make up for their losses by working until they die, while 41% said they will delay retirement."

Folks, there is a better way! Our advisory service remained positive in 2008 by comparison.

The Solution

LitKor Inc. (dba TA Today), provides an advisor service to aid holders of the above account types in the determination of investment direction. The advisory service is rather simple. The key points are:

1. For a fixed fee of $69.95 every six months, TA Today shall alert you to any changes you should make in your investment direction via an email alert. Click here to see the investment directions that we recommend.
2. You take the alert, log into, or call the administrator of your account and reallocate your investment direction to match the direction and percentages that TA Today advises. In the case of a self-directed IRA, you log into your brokerage account and make the change to your IRA portfolio.

It's that simple.

Note: This is not an actively managed portfolio service. Investment direction advisories are typically issued four to five times per year. We do offer actively managed portfolios for qualified investors as described here.

The Strategy

The strategy employed is as follows. Since TA Today is intimately involved in trading the equity markets each and every day, we identify major areas in the market where the odds favor a turn in the intermediate term trend of the markets and advise you accordingly. The key points of this strategy are:

1. We place risk first, reward second.
2. We focus on identifcation of intermediate term market direction changes that should last at a minimum of 6-10 weeks in duration.
1. If the turning point indicates the market should move lower over the next few weeks to months, then the advisory alert will suggest a change to your investment direction to move to either all or mostly short term cash instruments in order to avoid the potential losses.
2. If the turning point indicates that the general market is likely to trade higher over the next few weeks to months, then the advisory will suggest a change to your investment direction to participate in funds that are likely to benefit the most as a result of that expected change.

Our Track Record

Our track record is admirable. In 2008 when the average investor lost 28% or more of their pension plan, TA Today's advisory service turned a small profit for the year.

In 2009, when the average investor witnessed another drop of 20+% to begin the year TA Today's advisory service remained in cash then turned bullish in March and ended up capturing a profit for year. The significance of avoiding huge losses (draw downs) is displayed in the comparision charts and the detailed data (which you can get by clicking here ) showing TA Today's profit as compared to the benchmark S&P 500.

Next Step

Your next step, if interested, would be to read the prospectus offering. It explains the advisory service in great detail, clearly explaining the methodology and all risks associated with the service.

If, after reading the prospectus, you would like to subscribe to the service, you can do that here.

Refund Policy

TA Today offers a refund on any unused portion of the subscription service any time you wish to cancel. The procedures for cancelling are as follows:

1. If you have an account with PayPal (our clearing service) and use PayPal to pay for your subscription, then you should log into your PayPal account and cancel your subscription. PayPal will notify us of your cancellation and we will promptly refund any unused portion of your subscription. If there are any issues, just contact us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it and we will address any issues you may have immediately.
2. If you choose to use a credit card rather than PayPal to pay for your subscription (regardless of whether you do or do not have an account with PayPal), then you need to notify us via email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it and we will issue a refund back to your credit card for any unused portion of your subscription. Notify us of your desire to cancel along with your:
   • Name on the credit card that you used to purchase the service
   • Your email address

¹ Financial Advisor Magazine, May 2009, pp 18.