Do you live in your 401(k) past or future?
I have provided investment advice to individual 401(k) participants for over 25 years. In my experience, 401(k) participants fall in to two very distinct groups. The first group live in their past 401(k) investment management results. Over their entire working career,...
A 401(k) should customized to you
Somebody sold something to somebody else. That is how your company 401(k) was established. A large financial services provider like Fidelity, Schwab, or Empower. Provide a default menu of mutual funds you never heard of before. And you get to figure out how to protect...
What Is the goal of 401(k) target date funds?
At the end of 2022, there were over 60 million active 401(k) participants. Investing over $6.6 trillion dollars. And 59 percent of them owned a target date mutual fund. These number come from the Investment Company Institute’s 2023 fact book. If you did not choose...
Do your kids need 401(k) investment advice?
I am the father of two Gen Z’s. Many of their college roommates, teammates, and friends are now in my 401(k) advice client base. I receive e-mail, phone call, and text messages from my kids. And their friends. All new to the working world. Trying to navigate their...
