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How to ‘Insure’ Your 401(k) Without Buying a Policy

How to ‘Insure’ Your 401(k) Without Buying a Policy

by Ric Lager | Feb 12, 2026 | 401k Advice, Blog, Educational

You ensure that most important things in your life. You insure your home.Security systems, motion detectors, smoke detectors and radon detectors.Even your front doorbell shows up on your cell phone. You insure your car.Airbags, seat belts, back up cameras, automatic...
Why Your 401(k) Needs More Facts and Fewer Feelings

Why Your 401(k) Needs More Facts and Fewer Feelings

by Ric Lager | Feb 10, 2026 | 401k Advice, Blog, Educational

Your 401(k) deserves better than guesswork. A 401(k) advice client of mine learned this the hard way. Years ago when I first reached out to this client.He thought he was investing in his 401(k) “the right way.” Saved every paycheck period.Trusted his 401(k) sponsor...
What Bad 401(k) Advice Taught Me This Week

What Bad 401(k) Advice Taught Me This Week

by Ric Lager | Feb 9, 2026 | 401k Advice, Blog, Educational

I ran across an investment advice post this morning.That made me laugh out loud.And I don’t laugh out loud that often. The advice was completely misleading. “Buy the dip.” “Don’t overthink it.” “Just follow the stock market.” This is the kind of advice that is...
How Much Is Your 401(k Guesswork Costing You?

How Much Is Your 401(k Guesswork Costing You?

by Ric Lager | Feb 8, 2026 | 401k Advice, Blog, Educational

The cost of not knowing how to choose your 401(k) mutual funds.Compounds in each new stock market record high. Here’s what’s individual 401(k) investors don’t realize: •  Many default 401(k) mutual funds underperform their benchmarks every year. •  Stock...
Stop Managing Your 401(k) Like It’s The 1990’s

Stop Managing Your 401(k) Like It’s The 1990’s

by Ric Lager | Feb 6, 2026 | 401k Advice, Blog, Educational

Met a college friend of mine a couple of weeks.Watched NFL playoffs football at a local bar. His 401(k) investment management strategy shocked me.Stated he has never changed over his working career.The same way as the early 1990’s. “Set-it-and-Forget-it.”Hope it works...
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