A Self-Directed Brokerage Account (SDBA) is an optional feature some retirement plans offer that gives you more control over how your money is invested. While most 401k plans limit you to a list of pre-selected funds, an SDBA lets you go beyond that list and choose from a wider range of investments, like individual stocks, exchange-traded funds (ETFs), or mutual funds. It’s designed for people who want more flexibility and are comfortable making their own investment decisions. Keep in mind that with more freedom also comes more responsibility, including doing your own research and being aware of any extra fees.