Preserve & Grow the Value of Your 401(k)
We provide our clients with the tools and support they need to feel confident in their 401(k) investment decisions and secure in their financial future.
It starts with a free no-obligation 401(k) Analysis.
Ric Lager
“I provide investment advice to individual 401(k) participants.”
Expertise
Security
Growth
Preserve & Grow the Value of Your 401(k)
We provide our clients with the tools and support they need to feel confident in their 401(k) investment decisions and secure in their financial future.
It starts with a free no-obligation 401(k) Analysis.
“I provide investment advice to individual 401(k) participants.”
Ric Lager
Expertise
Security
Growth
Are you concerned about your 401(k) investments and your financial goals?
- NO TIME to watch your 401(k) mutual funds.
- NO KNOWLEDGE or CONFIDENCE to manage your 401(k) mutual funds.
- NO ACCESS to the latest generation of investment management technology.
- NO GAME PLAN to preserve your 401(k) principal.
- NO RELATIONSHIP with an independent financial advisor.
A Familiar Story for Many 401(k) Investors
Most clients who come to me have done exactly what they were supposed to do. They’ve consistently contributed to their 401(k), selected mutual funds from the options available to them, and stayed focused on work, family, and life. If they’re honest, they’ll admit they guessed at “what to buy” in their 401(k)—not because they were careless, but because they never had the tools, time, or independent guidance needed to truly understand the risk inside their 401(k) mutual fund portfolio.
For a long time, that felt fine. The market was rising, 401(k) account balances were growing, and there was little reason to question the strategy. But today feels different. Political and economic uncertainty is rising, markets are sitting at historically high levels, and comparisons to the 2008–2009 crash are hard to ignore. The real issue isn’t whether a stock market correction is coming—it’s whether their 401(k) mutual fund picks are carrying more risk than they realize. Most investors didn’t choose their 401(k) provider or their menu of mutual fund options, yet their 401(k) mutual funds are heavily concentrated in a small number of stocks or sectors, often without any clear understanding of the downside exposure.
That’s typically when they find me. I don’t work for their employer (401(k) sponsor) , their 401(k) provider (Schwab, Fidelity Vanguard, etc.) or any mutual fund company. I act as an independent fiduciary, sitting on the same side of the table as my clients. My role is to identify the current level of stock market risk in their 401(k) mutual funds, explain it clearly, and help them make informed decisions focused on 401(k) principal preservation. This isn’t about predicting the direction of the stock market. It’s about eliminating guesswork, reducing unnecessary stock market risk, and protecting the last several years of your personal and company-matching 401(k) contributions.
What This Can Mean in Real Terms
In some cases, individual 401(k) investors discover that continuing to “buy, hold, and not pay attention” has already cost them significant opportunity. When comparing their results to what could have been achieved with improved 401(k) mutual fund picks and an investment strategy for stock market proper risk management, the difference can easily reach tens of thousands of dollars over several years. In contrast, the annual advisory fee cost of working with a fiduciary advisor is typically a small fraction of that amount. The difference isn’t stock market timing or speculation. The difference is removing 401(k) mutual fund selection guesswork, establishing a game plan to manage stock market risk, and making intentional decisions with less emotion.Secure your financial future with a customized 401(k) investment management plan.
We live in a world of specialists. It’s pretty near impossible for anyone to have all of the knowledge and experience necessary to make the best 401(k) investment management decisions on their own.
Managing your 401(k) cannot be emotional. You need an independent, third-party, fiduciary level of investment advice. Not affiliated with your 401(k) sponsor (your company) or your 401(k) provider (Schwab, Fidelity, Vanguard, etc.).
As a fiduciary 401(k) investment advisor, I give my clients easy-to-follow advice in a convenient format to help them improve their 401(k) mutual fund picks.
- No 401(k) products to sell.
- Not affiliated with your 401(k) sponsor or provider.
- Investment advice that is in your best interest.
Maximizing your 401(k) has never been easier.
Step 1: Get ready to improve your 401(k) with just a few clicks.
Find your default mutual fund menu and check if you have an SDBA option in your 401(k).
Step 2: Submit your information via our easy online form.
You’ll receive a free and comprehensive analysis of what to buy and sell, with no obligation to work with us.
Step 3: Let's chat about your plan, sign the paperwork (only if you want to), and start working together to reach your financial goals.
No pressure, no commitment, just expert advice to help you grow your account.
The preservation and growth of your 401(k) are at stake now.
How big is your current 401(k) investment management problem?
What dollar amount of 401(k) risk are you taking now?
How much money it has cost you over the years to own the wrong 401(k) mutual funds?
Your 401(k) problems can be solved. But not if you continue to ignore them.
The solution to your 401(k) investment management problem will cost less than the problem.
It’s time to get it right.
With my expertise, individual 401(k) investors can confidently choose the best mutual fund options available in their 401(k).
The second thing I offer clients is peace of mind, and establishing a “stop loss” in their 401(k) to limit future retirement account principal risk.
My services take the burden and responsibility of managing your 401(k) off your plate, allowing you to focus on what matters most.
It’s time to get it right.
With my expertise, individual 401(k) investors can confidently choose the best mutual fund options available in their 401(k).
The second thing I offer clients is peace of mind, and establishing a “stop loss” in their 401(k) to limit future retirement account principal risk.
My services take the burden and responsibility of managing your 401(k) off your plate, allowing you to focus on what matters most.
