It’s November. And in the U.S. that means Election Day (you voted yesterday, right?), Veterans Day, Thanksgiving, and Black Friday. The beginning of November also means the start of the benefits season for most U.S.-based companies and organizations. And if you work for such a company or organization, in the last few days you probably received a notification from your employer that you have 2-3 weeks to make decisions about your 2013 benefits.

The 411 on 401(k)

If you’re not enrolled in your employer’s 401(k), then this is your chance to do so. And if you are, this is an opportunity to re-assess your holdings and determine if any adjustments are necessary.

But if I’m correct and you are like most people I speak with, I bet you:

  • 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 – all while you’re feeling the pressure to make decisions within your employer’s 2-3 week window? (A pressure that is only amplified for those steeped in Hurricane Sandy recovery efforts & to-dos.)

YES!” says you.

Then, here’s what I have for you: “What the Hell Should I Do With My 401(k)?”

Borrowing the notion of holiday “pop-up” stores from my peeps in the fashion industry, I created a 75-minute pop-up financial class: meaning it’s only offered during the annual benefits season. In this class, we’ll take a deep dive into what most employer-sponsored training doesn’t contain or address.

The class will be held on Wednesday, November 14th at 8pm EST. Click here to learn more and to register!

What will get from our 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
  • Open Q&A until all questions are answered
  • Life-time access to the recording of the training session
  • 30-days unlimited email access for additional Qs if you’re one of the first 10 people to register

If this is just what you were silently asking for when you opened the benefits envelope from your employer, 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 here to register now or you can click here to learn more!

If you want to take a more proactive stance when it comes to the management of your 401(k), I’d love to work with you on that goal. I’d love to have you join us for the live-training class – by phone or webcast – on Wednesday, November 14th at 8pm EST.


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.

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