Investment advisor web sites use familiar language.
Comprehensive wealth management.
Holistic financial planning.
Tax strategies.
Estate planning.
The message is that more services equal more value.
But individual 401(k) participants have a much simpler problem.
They want to know “what to buy” in their 401(k).
In 1999, I stepped away from the more services mindset.
Because my clients in their 50s were bringing the same issue to me.
They weren’t asking about estate plans.
They weren’t asking about complex wealth structures.
They were asking about the mutual funds inside their 401(k).
“What should I buy now in my 401(k)?”
The investment advice industry underestimates its importance.
Individual 401(k) investors already have access to education.
All the financial information they care to access
If they even have the time to look.
Yet they still don’t know what to do in their 401(k).
I spent years studying mutual fund asset classes.
Stock market sectors.
Individual mutual funds.
What started over 26 years ago with a client question.
Has become an individual 401(k) investment advice specialty.
You don’t need to continue to struggle with 401(k) mutual fund picks.
How to separate the good from the bad mutual funds.
More information isn’t the answer.
Specialized and customized 401(k) mutual fund investment advice.
The difference between consideration and elimination.
Today, I work with the adult children of long-time clients.
I am advising a second generation of 401(k) investors.
The technology is better.
The information is everywhere.
401(k) menus have more options.
Yet the question remains consistent.
“What should I actually do with the mutual funds in my 401(k)?”
Are you looking for more information or a better 401(k) mutual fund decision?
Let’s connect and I can show you the difference.
P.S. Good 401(k) investing eliminates the bad mutual fund options.
