401(k) Industry Insights from an independent Fiduciary
Real experiences, real savings, and the real questions every plan sponsor should be asking.
No. 1 — AI & The Industry
How I Used AI to Outsmart General Contractors — And How You Can Do the Same with Your 401(k)
A home renovation taught me that calling yourself an expert doesn’t make you one — and that the right questions, asked with enough specificity, expose the gap between what’s actually required and what’s just profitable for someone else. The 401(k) industry runs the same playbook. AI didn’t swing the hammer, but it made me dangerous enough to know when I was being taken.
No. 2 — Fee Anatomy
Managed Accounts: A Great Product, For The People Selling It
The pitch is professional management tailored to each participant. Follow the fee and you’ll find a questionnaire nobody filled out, a fund lineup that contradicts everything your recordkeeper told you last year, and 0.5% going somewhere that isn’t your employees’ retirement. There’s a narrow case where this earns its cost. Most plans aren’t that case.
More entries in progress. New pieces publish when they’re ready — not on a schedule.
No. 1 — AI & The Industry
How I Used AI to Outsmart General Contractors — And How You Can Do the Same with Your 401(k)
A home renovation taught me that calling yourself an expert doesn’t make you one — and that the right questions, asked with enough specificity, expose the gap between what’s actually required and what’s just profitable for someone else. The 401(k) industry runs the same playbook. AI didn’t swing the hammer, but it made me dangerous enough to know when I was being taken.
No. 2 — Fee Anatomy
Managed Accounts: A Great Product, For The People Selling It
The pitch is professional management tailored to each participant. Follow the fee and you’ll find a questionnaire nobody filled out, a fund lineup that contradicts everything your recordkeeper told you last year, and 0.5% going somewhere that isn’t your employees’ retirement. There’s a narrow case where this earns its cost. Most plans aren’t that case.
More entries in progress. New pieces publish when they’re ready — not on a schedule.
I’m not here to sell you anything.
But if what I say makes sense and we’re a good fit for each other, you might want to hire me.
