Don’t let your 401k be a rudderless ship, adrift without a captain!

Our exclusive 401k Report Card® analyzes your 401k in key areas - giving you a concise, exceptionally user-friendly snapshot of your 401k fund line-up, showing you exactly which funds have earned your consideration, and which funds should likely be avoided, on an ongoing basis.  Our goal is to deliver guidance that’s clear, and very easy for you to act on, Empowering you to take control of your Financial Future! 

Mistakes In Your 401k Can Be Costly

You have worked hard your entire career to save for retirement; now is not the time to be passive about protecting your nest egg. Instead, let us show you how spending just TEN MINUTES, ONCE A QUARTER can allow you to be proactive in managing your 401k. You might not know there is an alternative to the traditional Buy-and-Hold method. Our method helps you maneuver the ups and downs of the market.

Don’t let inaction on your 401k force you to outlive your money!

We’re Legally-Obligated to Act In Your Best Interest

… and as such, we have an organized, disciplined, math-based method based on real-time market trends, for all of our investment recommendations to you.  We call it ‘Fact-Based Investing’; we think you’ll call it, ‘confidence-building’!  Click here to check out our Investment Philosophy.

A Few Mouse-Clicks + Copy/Paste, And You’re Set

It’s as easy as it gets:  Your personalized report, taken from your log-in area of this website, makes managing your 401k from/with your employer’s 401k website, truly a breeze. 

A ‘Smooth Ride’ Based On Your Personal Tastes

Some people like to be heavily-exposed to stocks; some people like to be more restrained in their stock market participation.  We use award-winning technology to quantify your personal risk tolerance with precision, in order to create a strategy that will align most closely with your stated comfort level.

Click Here for Risk Analysis

“It's only when the tide goes out that you discover who's been swimming naked.”

 -Warren Buffett “The Oracle of Omaha”-

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.”

 -Warren Buffett “The Oracle of Omaha”-

 “Be fearful when others are greedy and be greedy only when others are fearful”

 -Warren Buffett “The Oracle of Omaha”-

“I am more concerned about the return of my money than the return on my money.”

 -Warren Buffett “The Oracle of Omaha”-

"The essence of investment management is the management of risk, not the management of returns."

-Benjamin Graham-

"The Dean of Wall Street"

“Be fearful when others are greedy and greedy only when others are fearful.”

 -Warren Buffett “The Oracle of Omaha”-

“Loss avoidance must be the cornerstone of your investment philosophy.

 -Seth Klarman-

“The most important rule is to play great defense, not great offense. Every day I assume every position I have is wrong. I know where my stop risk points are going to be. I do that so I can define my maximum drawdown. Hopefully, I spend the rest of the day enjoying positions that are going in my direction. If they are going against me, then I have a game plan for getting out.”

- Paul Tudor Jones -

“The greatest mistake of the individual investor is to think that a market that did well is a good market rather than a more expensive market.”
-  Ray Dalio -

“The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that is likely to get you where you want to go.  In the end, what matters isn’t crossing the finish line before anybody else but just making sure that you do cross it.”

― Benjamin Graham, The Intelligent Investor

“The longer the bull market lasts the more severely investors will be affected with amnesia; after five years or so, many people no longer believe that bear markets are possible.”

― Benjamin Graham, The Intelligent Investor

Investment Advice Offered Through Sandos Financial, Inc. Investment Advisor.  Sandos Financial, Inc. may only conduct business in states where it is properly registered. is a Service of Sandos Financial, Inc.  Addition information about Sandos Financial is available on the SEC’s website at  The data and asset allocation strategy presented in the 401k Report Card is from investment models that Sandos Financial, Inc. uses as a pattern to guide investment allocation in client accounts.  Activity & performance may be substantially different from that of the models due to the amount of each investment, specific timing of trades, the actual security used and contributions or withdrawals which may vary from account to account.  The information contained herein has been obtained from sources that are believed to be reliable.  However, Sandos Financial, Inc. or does not independently verify the accuracy of this information.  Past performance is no guarantee of future results.

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