Insights to Empower Your Financial Journey

Your 401(k) Shouldn't Feel Like A Prison Cell

If your 401(k) feels more like a holding tank than a wealth-building tool, it's not just your imagination running wild. Many American workers have their retirement savings trapped in places that limit access, layer on fees, and quietly erode returns.

401(k) Fees: Actual Decline or Just an Illusion?

While fee rates may be declining, overall expenses have been steadily increasing in 401(k) plans.

When the Referee Buys a Team: The Hidden Risks of America’s New State-Investor Trend

When the government owns part of a company, it faces an unavoidable conflict of interest...The danger isn’t that America suddenly turns socialist—it’s that free enterprise slowly becomes state-dependent. Capitalism works because the game is fair, the rules are known, and the referee doesn’t care who wins. Once the referee owns the team, that trust disappears. And without trust, no market—no matter how wealthy or advanced—can stand.

Buying an Index Fund Isn’t as "Passive" as You Think

If you think index investing means you’ve opted out of all the decision-making... think again.

Private Equity In Your 401(k)?

The combination of high costs, valuation risk, and a general lack of transparency have kept private investments on the sideline to date - they just haven't been able to clear the prudent investment bar. Loosening regulations likely won't change that without some significant changes in the private equity product space, which won't change overnight. With retirement plan litigation on the rise, why would a fiduciary take the risk on this when they don't have to?

What the NFL Draft Can Teach You About Investing

What the draft teach you about investing