I am here to tell you, we may be able to help.

57% of 401(k) participants wish it was easier to manage their 401(k) accounts. Many participants are suffering from what I call “analysis paralysis.” Too many choices, how do they mix with other investments, which investments are right for me?

A 401(k) is the easiest way to save for retirement. Payroll deduction of whole, pre-tax dollars, allows an employee to accumulate a retirement nest egg almost without thinking. But then there are the choices: how much to contribute, which funds to pick, how often to re-balance – it can be overwhelming.

At Certified Financial Group, Inc., through our affiliated Registered Investment Advisor firm, we manage 401(k) accounts for our clients. The account stays right where it is; with your permission, we just have access to the account. I can help my clients with all of the concerns I have just listed. I do the analysis on the investment choices and co-ordinate them with their outside investments so my client has true diversification. I perform a quarterly analysis of the funds to make sure their retirement is on track. If there is a change in income, the contribution is adjusted.

Call me for a second opinion and to learn how you can take yourself out of the 57%.

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