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The Active Managers in Your 401(k) Fall Short

The Active Managers in Your 401(k) Fall Short

by Ric Lager | Jan 4, 2026 | 401k Advice, Blog, Educational

2025 was promoted to be a great year for active mutual fund managers.To prove their annual investment advisory fees were worth the investment. Wild swings in AI stocks created the perfect stage.But the end-of-year 2025 investment returns were disappointing again. The...
2026: The Year AI Finally Meets Your 401(k)

2026: The Year AI Finally Meets Your 401(k)

by Ric Lager | Jan 2, 2026 | 401k Advice, Blog, Educational

Here’s why AI still won’t replace real fiduciary 401(k) investment advice. AI is everywhere—ChatGPT, Gemini, Copilot, Claude.(Those are the only AI tools I can remember). They can explain mutual fund types and styles.Small, Mid, and Large.Value, Growth, and Blend....
401(k) Advice Turns Confusion Into Confidence

401(k) Advice Turns Confusion Into Confidence

by Ric Lager | Jan 1, 2026 | 401k Advice, Blog, Educational

Most people don’t spend their days thinking about their 401(k).You’re busy building a career, a life, and a future.But the moment the stock market wobble.It’s completely normal to feel that jolt of worry. You’re not thinking about numbers on a screen.You’re thinking...
Delivering Real Investment Advice to 401(k) Participants

Delivering Real Investment Advice to 401(k) Participants

by Ric Lager | Dec 31, 2025 | 401k Advice, Blog, Educational

Ever question the role of your 401(k) provider? Schwab, Fidelity, Vanguard, Empower, etc.The web site you log into to view your 401(k) account online. The institution behind the 401(k) provider website.Is also picking your default 401(k) mutual fund menu. Remember...
What Happens When You Stop “Throwing Darts” in Your 401(k)?

What Happens When You Stop “Throwing Darts” in Your 401(k)?

by Ric Lager | Dec 30, 2025 | 401k Advice, Blog, Educational

Most people think picking more mutual funds equals better diversification.In reality, quality mutual fund picks are what grows the value of your 401(k). Roughly 70% of 401(k) investors admit they choose funds based on guesswork. What if your 401(k) mutual fund picks...
Why Some 401(k) Investors Win—and Others Don’t

Why Some 401(k) Investors Win—and Others Don’t

by Ric Lager | Dec 29, 2025 | 401k Advice, Blog, Educational

Most individual 401(k) investors don’t stay average because they want to be average. They stay average because no one ever showed them.How to choose better 401(k) mutual funds.Or how to replace the ones dragging down their 401(k) investment returns. The truth is...
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