The 401k Report Card® was created with a primary objective: 1) To make it as easy as possible for people to actively manage the investments in their 401k.

Every solution begins with a problem. The problem we noticed was rather straightforward: People don’t spend the time needed to do proper research on market trends or investment performance.

Unfortunately, the financial services industry is dominated by the good old buy and hold mentality and flooded with Predictions, Opinions, Outlooks, and Forecasts. This combination can be devastating to a portfolio.

With our rules-based risk management approach, we believe in taking actions to avoid or mitigate risk and base those actions on Fact - because we know that in the long run, our strategy will survive the trip to retirement.

We built the 401k Report Card® as a solution that tells everyday people the what and the when – and most of all – in a language they can understand!

Are you taking too much risk in your portfolio?

Jason Sandos - IAR

CEO, Sandos Financial, Inc. ♦ Registered Investment Advisor 

Founder of the 401k Report Card®

“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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