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The Hidden Power of “Held Away” Accounts for Individual 401(k) Investors

The Hidden Power of “Held Away” Accounts for Individual 401(k) Investors

by Ric Lager | Dec 26, 2025 | 401k Advice, Blog, Educational

Most investors never hear the term “held away account.” Until their current investment advisor uses it to explain why.He or she can’t provide customized 401(k) investment advice. Your current 401(k) isn’t custodied at the same firm as your investment advisor. So your...
The Only Two Moves That Matter in Your 401(k) Now

The Only Two Moves That Matter in Your 401(k) Now

by Ric Lager | Dec 24, 2025 | 401k Advice, Blog, Educational

In a time of economic and stock market uncertainty.Individual 401(k) investors need clarity. To focus on the essential elements of 401(k) investing. Automation tools, dashboards, target date mutual funds.Each one makes promises to 401(k) investors. Let’s strip away...
Start Guarding Your 401(k) With a Personalized Strategy

Start Guarding Your 401(k) With a Personalized Strategy

by Ric Lager | Dec 23, 2025 | 401k Advice, Blog, Educational

You’ve worked hard, contributed consistently.Watched your 401(k) grow during this astonishing bull market. But here’s the truth: Stock markets don’t climb forever.The question isn’t if a downturn will come—it’s when. And when it does, will your 401(k) be ready? If...
Is Your 401(k) Working for You—or Against You?

Is Your 401(k) Working for You—or Against You?

by Ric Lager | Dec 21, 2025 | 401k Advice, Blog, Educational

By far, the biggest enemy to your 401(k) mutual fund picks.A ‘set it and forget it’ approach.That includes owning the worst 401(k) mutual fund options. The key 401(k) investment management element is clear.Knowing what’s inside your 401(k) mutual funds. Why is...
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...
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