---
title: 401(k) Bulletin | Oakbourne Advisors | behavioral finance
description: behavioral finance | Articles and insights by the team at Oakbourne Advisors.
---
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# 401(k) Bulletin
Articles & insights by Oakbourne Advisors
All topics 401k retirement fiduciary plan sponsors participant behavioral finance 401k plan advisor erisa 401k consultant cybersecurity cyber security match roth safe harbor self directed
### [Retirement Readiness: How will you prepare?](https://www.oakbourne.com/401kbulletin/retirement-readiness)
on Dec 07, 2022
[](https://www.oakbourne.com/401kbulletin/retirement-readiness)
Much has been made of the current state of the American worker as it pertains to their retirement savings. According to a recent study by the General Accountability Office, 29% of Americans 55 and older do not have any retirement savings or...
[Read More](https://www.oakbourne.com/401kbulletin/retirement-readiness)
[401k](https://www.oakbourne.com/401kbulletin/tag/401k) [retirement](https://www.oakbourne.com/401kbulletin/tag/retirement) [participant](https://www.oakbourne.com/401kbulletin/tag/participant) [behavioral finance](https://www.oakbourne.com/401kbulletin/tag/behavioral-finance) [fiduciary](https://www.oakbourne.com/401kbulletin/tag/fiduciary) [401k plan](https://www.oakbourne.com/401kbulletin/tag/401k-plan)
### [How to Design a Differentiating Benefits Package](https://www.oakbourne.com/401kbulletin/how-to-design-a-differentiating-benefits-package)
on Nov 15, 2022
[](https://www.oakbourne.com/401kbulletin/how-to-design-a-differentiating-benefits-package)
Over the past couple of years, the so-called “Great Resignation” has led to an unprecedented number of career changes. At the same time, the boom in remote and gig work means that skilled employees have more choices than ever. For that reas...
[Read More](https://www.oakbourne.com/401kbulletin/how-to-design-a-differentiating-benefits-package)
[401k](https://www.oakbourne.com/401kbulletin/tag/401k) [plan sponsors](https://www.oakbourne.com/401kbulletin/tag/plan-sponsors) [retirement](https://www.oakbourne.com/401kbulletin/tag/retirement) [behavioral finance](https://www.oakbourne.com/401kbulletin/tag/behavioral-finance) [fiduciary](https://www.oakbourne.com/401kbulletin/tag/fiduciary) [advisor](https://www.oakbourne.com/401kbulletin/tag/advisor) [401k consultant](https://www.oakbourne.com/401kbulletin/tag/401k-consultant) [401k plan](https://www.oakbourne.com/401kbulletin/tag/401k-plan)
### [Participant Corner: Carving A Holiday Budget](https://www.oakbourne.com/401kbulletin/holiday-budget)
on Oct 04, 2022
[](https://www.oakbourne.com/401kbulletin/holiday-budget)
The holidays are a time for giving, but often people can be a little overgenerous during this time of year and later find themselves in financial trouble. According to a survey by Country Financial 32 percent are feeling the greatest stress...
[Read More](https://www.oakbourne.com/401kbulletin/holiday-budget)
[401k](https://www.oakbourne.com/401kbulletin/tag/401k) [participant](https://www.oakbourne.com/401kbulletin/tag/participant) [behavioral finance](https://www.oakbourne.com/401kbulletin/tag/behavioral-finance)
### [Thanks for the Memories: Gratitude and Financial Wellness](https://www.oakbourne.com/401kbulletin/gratitude-401k)
on Sep 13, 2022
[](https://www.oakbourne.com/401kbulletin/gratitude-401k)
So much about financial wellness has to do with cultivating a mindset that favors delayed versus immediate gratification. In the language of behavioral economics, the tendency to prefer short-term rewards is called hyperbolic discounting. T...
[Read More](https://www.oakbourne.com/401kbulletin/gratitude-401k)
[401k](https://www.oakbourne.com/401kbulletin/tag/401k) [plan sponsors](https://www.oakbourne.com/401kbulletin/tag/plan-sponsors) [retirement](https://www.oakbourne.com/401kbulletin/tag/retirement) [participant](https://www.oakbourne.com/401kbulletin/tag/participant) [behavioral finance](https://www.oakbourne.com/401kbulletin/tag/behavioral-finance)
### [Financial Hypochondria: When Investment Vigilance Becomes a Problem](https://www.oakbourne.com/401kbulletin/worry)
on Aug 23, 2022
[](https://www.oakbourne.com/401kbulletin/worry)
Plan sponsors invest much time and effort in improving employee financial literacy. They offer educational content, provide opportunities for group and individual consultation, and encourage participants to approach retirement planning proa...
[Read More](https://www.oakbourne.com/401kbulletin/worry)
[401k](https://www.oakbourne.com/401kbulletin/tag/401k) [retirement](https://www.oakbourne.com/401kbulletin/tag/retirement) [participant](https://www.oakbourne.com/401kbulletin/tag/participant) [behavioral finance](https://www.oakbourne.com/401kbulletin/tag/behavioral-finance)
### [Regret Aversion: Fighting the FOMO of the Financial World](https://www.oakbourne.com/401kbulletin/fomo)
on Jul 19, 2022
[](https://www.oakbourne.com/401kbulletin/fomo)
Regret aversion is a construct in behavioral finance theory that suggests investing decisions are, at least in part, driven by fear of later regretting a “wrong” choice. And this isn’t just some psychological mumbo jumbo. Functional MRI neu...
[Read More](https://www.oakbourne.com/401kbulletin/fomo)
[401k](https://www.oakbourne.com/401kbulletin/tag/401k) [retirement](https://www.oakbourne.com/401kbulletin/tag/retirement) [behavioral finance](https://www.oakbourne.com/401kbulletin/tag/behavioral-finance)
### Recent posts
[](https://www.oakbourne.com/401kbulletin/does-your-retirement-plan-stand-out-from-the-crowd)
[Does Your Retirement Plan Stand out From the Crowd?](https://www.oakbourne.com/401kbulletin/does-your-retirement-plan-stand-out-from-the-crowd)
Feb 22, 2023
[](https://www.oakbourne.com/401kbulletin/retirement-readiness-cybersecurity-must-be-a-priority-for-plan-fiduciaries)
[Retirement Readiness: Cybersecurity Must Be a Priority for Plan Fiduciaries](https://www.oakbourne.com/401kbulletin/retirement-readiness-cybersecurity-must-be-a-priority-for-plan-fiduciaries)
Dec 30, 2022
[](https://www.oakbourne.com/401kbulletin/retirement-readiness)
[Retirement Readiness: How will you prepare?](https://www.oakbourne.com/401kbulletin/retirement-readiness)
Dec 07, 2022
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