Topher Sandoval - Financial Advisor

Whether you had a recent job change or have an old 401k floating somewhere, now is the time to act...

The easiest thing you can do is to just leave your old 401k right where it is...
..but it's also the laziest thing you can do.

It will come with a cost and here is what you might not know:

o You will be charged fees
o Expenses will be higher than other solutions
o You are extremely limited on your investments
o You can no longer contribute to this account

Do you think they care whether or not your account does well?

You are paying fees and expenses for it to just sit there.

You could likely open your own account, with the same target fund and let it sit there...with little to no fees

Research shows that using an advisor can add 3%-6% to your long-term ROR net of their fees.

Don't be lazy, either open your own account and save $$$ in fees or send me a message to discuss your options further.

What are the most common risks you may face in retirement?

Some risks might be staring you in the face right now. There may also be a few that you had not yet thought about and that's ok.

A solid financial plan will address all of these risks and your financial advisor should be talking to you about how your plan is going to mitigate each one.

Is there one risk that resonates with you that causes the most concern?

This we continue to reflect on . The Bible mentions giving over 2100 times encouraging us to give cheerfully, sacrificially, and with a willing heart. With 2100+ mentions, perhaps we should reflect on giving a bit more and how we can bless others.