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If you’re a working professional saving for retirement, chances are most of your wealth is tied up in your 401(k). But one of the biggest questions we hear from clients is:‍ “Should I put money in a Traditional 401(k) or a Roth 401(k)?”‍The truth is, both accounts are powerful tools — but the right choice depends on your income, tax situation, and future goals.

The S&P 500 has dominated in recent years — but history shows it’s far from invincible. See why concentrating only in U.S. large-cap stocks could mean missed opportunities, higher risk, and weaker returns over time — and why true diversification matters.

Most people think they can just put all of their money in an S&P 500 index fund and not worry about concentration risk. After all, you're investing in 500 companies right?It isn't as straight forward as that, the S&P 500 is a lot more concentrated than people think.