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Why Smart People Still Struggle With Their 401(k)

Why Smart People Still Struggle With Their 401(k)

by Ric Lager | Dec 19, 2025 | 401k Advice, Blog, Educational

Have you ever stared at your 401(k) default mutual fund menu.And thought, “I should be smart enough to figure this out.” The most accomplished professionals I meet.Engineers, physicians, attorneys, tech leaders, educators.The majority are embarrassed asking for help...
Four Decades of Managing 401(k)s Don’t Include Forecasts

Four Decades of Managing 401(k)s Don’t Include Forecasts

by Ric Lager | Dec 18, 2025 | 401k Advice, Blog, Educational

Every December comes the financial world ritual.S&P 500 price predictions for the following year.As many as you have time, or care, to read. It’s the season when anyone who manages someone else’s money.Steps up to the microphone or the keyboard.To deliver what...
Why Customized 401(k) Advice Beats Cookie-Cutter Investing

Why Customized 401(k) Advice Beats Cookie-Cutter Investing

by Ric Lager | Dec 17, 2025 | 401k Advice, Blog, Educational

Most individual investors would admit.They don’t spend much time thinking about their 401(k). The reasons? Their level of financial literacy does not include picking mutual funds.The complexity of their 401(k) mutual funds is overwhelming. No more corporate pensions...
The 401(k) Move Most Investors Miss During Market Declines

The 401(k) Move Most Investors Miss During Market Declines

by Ric Lager | Dec 16, 2025 | 401k Advice, Blog, Educational

Most individual 401(k) investors ride the stock market rollercoaster.Hands up during the climb when the view their all-time 401(k) account statements.White-knuckled during the most recent stock market decline. Want to step off the ride and protect your 401(k) stock...
The 401(k) Trap: Why Target-Date Funds Are Dangerous

The 401(k) Trap: Why Target-Date Funds Are Dangerous

by Ric Lager | Dec 15, 2025 | 401k Advice, Blog, Educational

Millions of 401(k) investors believe they’ve found the perfect mutual fund solution. The most popular “set-it-and-forget-it” 401(k) investment management strategy.Target-date 401(k) mutual funds. They look simple enough.They provide information that reads like a safe...
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