The 411 on 401(k)
If you’re not enrolled in your employer’s 401(k), you should be. Otherwise, you are leaving money on the table. And if you are, you, too, just might be leaving money on the table — because you’re not maximizing your plan as best you can.
- want help figuring out which mutual funds to select from the options made available to you by your employer
- are tired of getting investment information from your employer that reads like jibberish — you want to better understand what you are receiving and you want step-by-step instructions on how to tailor that information to your specific situation so that it has more value
- want to stop being passive about this whole retirement planning thing — you’re ready to be more proactive and learn what you don’t know
- want help figuring out what to do with the mutual funds you have in a former employer’s plan — you wonder if you should roll-it over into your current plan or open an IRA (or Roth/IRA)
- want to know if you’re contributing enough to your plan to really make a difference — you find yourself asking, “how do I calculate this, anyway?”
- have questions but don’t know where to begin to find your answers
Did I hit the proverbial nail on the head? Have I accurately described what’s going through you mind right now as you consider choices that have long-term implications that seem almost impossible to project and measure?
“YES!” says you.
Then, here’s what I have for you: “What the Hell Should I Do With My 401(k)?”
Who am I? A former money manager for high-net-worth individuals, turned financial intimacy expert & behavioral finance enthusiast. I’m Jacquette M. Timmons. I help busy professionals like you tackle the financial concerns that keep you up at night — you know the ones that chip away at your dreams bit by bit. And, I also help you see opportunities that are typically hidden behind your blind spots.
In other words, I am your go-to person when you are ready to work smartly on the right things, in the right way, at the right time – all for maximum impact, effectiveness and success.
And when it comes to technical, “how-to” training in the realm of money, I’m the one people turn to to make what can be dry data of facts & figures into an informative, educational, and entertaining experience.
Why should the notion of “pop-up” be just for the fashion industry?
It shouldn’t. That’s why I created this pop-up, financial class. “What the Hell Should I Do With My 401(k)?” is a class that is delivered as an on-demand training. The “pop-up” element comes into play because whenever you need a refresher, you can just pop into the membership area and viola (!) you have information, tips, and tactics at your fingertips.
Specifically, here’s what you’ll get…you’ll:
- Learn the 7 most important criteria for selecting a mutual fund
- Get a hands-on, step-by-step, tutorial on how to use the 7-criteria to select a mutual fund and put together a complementary mutual fund portfolio using the information provided by your employer + external tools (e.g., Morningstar & Yahoo.finance)
- Discover a non-scientific, but effective way to determine how much you should contribute to your retirement plan
- Learn how to ensure your selections in your current employer’s plan complement your other retirement (and non-retirement) holdings, as well as the holdings of your mate’s if applicable
And, here’s what learning all of the above means for you…you:
- Can by-pass the jibberish and zoom-in just on the information you need
- Know how to filter the mutual funds your employer makes available to you – whether you have 10 or 50 options – and choose the ones that are best for you
- Learn the difference between market performance and investor performance so that you can begin to benchmark your performance to appropriate indices
- Won’t leave any money on the proverbial table. Therefore, as much of your money as possible will be working for you (instead of you just working for it). Plus, you’ll be able to ensure you have sufficient cash flow for your life-style – accounting for cash needed to payoff debt as well, if applicable.
- Increase your chances of having an overall diversified investment portfolio — a fancy-dancy way of following the adage: don’t put all your eggs in one basket.
You might be thinking…
You might be thinking, “I know I should register for this, but I really don’t want to. I know I’m smart, but I don’t feel smart when it comes to learning about investing. Plus, it is really, really boring!”
Yes, it is true: If you’re not a financial geek like me who finds the data of financial facts & figures juicy, the information can be quite dry. But I’m not And because I know this is a major concern I’ve designed the experience to be informative and entertaining.
You might be thinking, “My employer provides free training, why should I pay to be trained to learn the same information?”
Ok. Let’s call a spade a spade. Your employer may provide free training. But far too often, that training is too general & they aren’t showing you how to personalize the general so that it is tailored to your specific set of circumstances. In other words, it isn’t as valuable to you as it could be!
Here’s a quick recap of what you’ll get from your pop-up financial class:
- 75-minute live training that will teach you what you need to know about mutual funds and your 401(k)
- An educational experience that will show you how to personalize the general information you receive from your employer & select the combination of mutual funds that are the best fit for you
- PDF worksheets to reinforce the training and help you put together your *new* 401(k) portfolio immediately after the training
- Life-time access to the recording of the training session
- Email support (up to five emails) to answer your questions
So, let’s get started…together, we’ll make certain you have all the information you need to take informed, strategic steps to manage your 401(k) well. It’s real easy…you just need to click the “Add to Cart” button below!
Once your payment is received, the details on how to access the replay of the on-demand training in a designated membership area will be emailed to you.
All the best,
p.s. do you know the little-known “secret” when it comes to your investment success? It’s you…really. Truth is, you are your greatest resource. You are the most important ingredient in the management and growth of your money. Not which mutual fund you select or how you put them together. You. So, what you don’t know or what you don’t do can have costly consequences. Let me help you learn what you need to know about mutual funds and your 401(k) and help you determine the right actions you need to take so that you can be the best resource to yourself that you can be!
Disclaimer: The case-study materials that are presented and the content covered in the financial class – What the Hell Should I Do With My 401(k) – is provided for educational purposes only. Neither Jacquette M. Timmons nor Sterling Investment Management, Inc. are rendering specific investment (telling you which mutual fund to buy or sell), accounting or legal advice.