401(k) insurance. Yeah, that’s a thing.

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You ensure that most important things in your life. The reason is because there are important things in your life that would cost a lot of money to replace. There is no reason to suffer a huge financial loss when something bad happens. You insure … [Continue reading]

The check engine light just came on in your 401(k)

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The U.S. stock markets have had their worst start to a new calendar year in history. Retailers have closed hundreds of stores and laid off thousands of workers. The U.S. economic outlook has dimmed. The Dow Jones Industrials and the S&P 500 … [Continue reading]

Has the stock market got your 401(k) attention yet?

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The year of 2016 is only a few trading days old. Already the reality of the world's stock markets is in stark contrast with the long-term views of most investment professionals. The investment professional pearls of 2016 investment advice have … [Continue reading]

Your 401(k) can’t stand another buy-and-hold

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The recent stock market headlines, have been filled with large stock market losses. With those headlines come the predictable wave of financial service industry jargon. “Think long term.” Buy-and hold." And my all-time favorite, "This is just … [Continue reading]

Be Very Careful When You Talk to Your 401(k) Provider

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I can’t even remember how many Minnesota company 401(k) retirement plan participants I have heard this same story from. I can tell you that it has been several over my 31 years in the financial services industry. When you change jobs, you … [Continue reading]

It’s time for a conversation with your 401(k)

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Individual company 401(k) retirement plan participants own way too much U.S. stocks now. I met with a 60 year old executive just last week who is currently 95% invested in U.S stocks in his company 401(k) retirement plan account. The last six-plus … [Continue reading]

Loss Aversion can save your 401(k)

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One of the things I enjoy the most about my business is that I make time to read the great investment management books of our time. These books include economics, behavior, and investment management strategy. I am a big fan of the work of … [Continue reading]