The Cost of “I’ll Think About It” in Your 401(k)
“I need to think about it.” Most times, the first response to my offer of 401(k) investment advice. It sounds reasonable.Even thoughtful. But most of the time it is knee jerk.Unthinking.Leave me alone. Why? Because individual 401(k) investors don’t see the value of...
You’re Not Crazy: Your 401(k) Really Is This Confusing.
You’ve been contributing to your 401(k) for years.You’re grateful of your company-matching 401(k) contributions. You’ve picked your mutual funds.You’ve trusted the system. But let me ask you something: What’s been your biggest frustration when it comes to managing...
401(k) Advice Is NOT What You Think
Being an individual 401(k)advisor is not what you might think. It’s not about trying to be the smartest person in the room. Or trying to be a “new best friend.” Not even pushing a product to sell. It’s about specific 401(k) mutual fund solutions.That fit your...
The Real 401(k) Risk Isn’t Market Volatility. It’s Emotional Blind Spots.
Most individual 401(k) investors are surprised.When I ask them about their emotional risk. How much money are they prepared to lose in their 401(k)? Not because they’re reckless 401(k) investors. But because their 401(k) default settings.The target-date mutual...
