A new online retirement planning service launched today offers professional, ongoing, tactical management of 401(k) retirement investments for individuals and small businesses.

401KGPS.com utilizes the 401K GPS' proprietary Protactical™ process to "assesses and monitor each client's 401(k) strategy daily, to ultimately prosper in up markets and protect investments in downturns," said Albert Herzog, co-founder and president of 401K GPS. "Our expert investment team guides each contributor through the often confusing world of 401(k) management, ensuring consistency, flexibility and protection, taking the guesswork out of 401(k) retirement planning and investment management."

The company's founders decided to get into the market "after we saw so many people take incredible losses in the past three market downturns due to mismanagement of their 401(k) portfolio," said Adam Kulesza, co-founder and investment strategist for 401K GPS. "People were forced to alter or delay their retirement dreams because they did not actively monitor the investment in their company-sponsored plan. We are here to provide the bridge that results in successful 401(k) retirement planning."

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For a quarterly fee of $59, or $199 annually, 401K GPS provides investors with a personalized risk profile based on age and the number of years until planned retirement. On a quarterly basis, individual recommendations are given to properly reallocate one's portfolio based on retirement goals and market expectations. With a constant eye on the market, the 401K GPS team monitors positions on a daily basis. In times of extreme volatility, the team will send emergency intra-quarter alerts.

The company is headquartered in Brighton, Mich.

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