--- title: 401(k) Bulletin | Oakbourne Advisors | participant description: participant | Articles and insights by the team at Oakbourne Advisors. --- [![Oakbourne Advisors logo](https://www.oakbourne.com/hubfs/logos/OakbourneAdvisors_Logo-v1.svg "Oakbourne Advisors logo")](https://oakbourne.com) [![oakbourne Logo](https://www.oakbourne.com/hs-fs/hubfs/raw_assets/public/oakbourne-theme/images/mobile-logo-oakbourne.png?width=36&height=39&name=mobile-logo-oakbourne.png "oakbourne Logo")](https://oakbourne.com) [Contact Us](https://www.oakbourne.com/contact) [401(K) Plan Benchmarker](https://www.oakbourne.com/checkmyplan) - [About](https://www.oakbourne.com/about-us) - Services Services - [Retirement Plan Consulting](https://www.oakbourne.com/retirement-consulting) - [Private Wealth](https://www.oakbourne.com/private-wealth-management) - Client Access [Client Access](https://www.oakbourne.com/client-access) - [TD Ameritrade](https://www.advisorclient.com/login) - [SEI](https://www.accessmyportfolio.com/) - [Private Client Portal](https://login.bdreporting.com/Auth/NSAM/SignIn) - [Financial Plan](https://www.rightcapital.com/login?cobrand=t624d4kUxMP0KbIPgfuNXg&type=client) - [Blog](https://www.oakbourne.com/401kbulletin) # 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 ### [Does Your Retirement Plan Stand out From the Crowd?](https://www.oakbourne.com/401kbulletin/does-your-retirement-plan-stand-out-from-the-crowd) on Feb 22, 2023 [![Does Your Retirement Plan Stand out From the Crowd?](https://www.oakbourne.com/hubfs/stand%20out.jpeg)](https://www.oakbourne.com/401kbulletin/does-your-retirement-plan-stand-out-from-the-crowd) With more than two-thirds of American workers having access to a retirement plan, employees and job seekers have come to expect one as part of their benefits package. [Read More](https://www.oakbourne.com/401kbulletin/does-your-retirement-plan-stand-out-from-the-crowd) [401k](https://www.oakbourne.com/401kbulletin/tag/401k) [retirement](https://www.oakbourne.com/401kbulletin/tag/retirement) [participant](https://www.oakbourne.com/401kbulletin/tag/participant) [fiduciary](https://www.oakbourne.com/401kbulletin/tag/fiduciary) [401k plan](https://www.oakbourne.com/401kbulletin/tag/401k-plan) ### [Retirement Readiness: How will you prepare?](https://www.oakbourne.com/401kbulletin/retirement-readiness) on Dec 07, 2022 [![](https://www.oakbourne.com/hubfs/ready.jpg)](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) ### [Financial Stress in the Workplace](https://www.oakbourne.com/401kbulletin/financial-stress-in-the-workplace) on Nov 03, 2022 [![](https://www.oakbourne.com/hubfs/pressure.jpeg)](https://www.oakbourne.com/401kbulletin/financial-stress-in-the-workplace) As the global economy continues to gyrate on an uncertain path, many are feeling increased stress regarding their finances. As of March, for example, total U.S. household debt was up more than 8% year over year, according to a study by Nerd... [Read More](https://www.oakbourne.com/401kbulletin/financial-stress-in-the-workplace) [401k](https://www.oakbourne.com/401kbulletin/tag/401k) [retirement](https://www.oakbourne.com/401kbulletin/tag/retirement) [participant](https://www.oakbourne.com/401kbulletin/tag/participant) [fiduciary](https://www.oakbourne.com/401kbulletin/tag/fiduciary) [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/hubfs/gift%20budget.jpeg)](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/hubfs/financial%20wellness.jpeg)](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/hubfs/worry.jpeg)](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) [1](https://www.oakbourne.com/401kbulletin/tag/participant/page/1) [2](https://www.oakbourne.com/401kbulletin/tag/participant/page/2) ### Recent posts [![Does Your Retirement Plan Stand out From the Crowd?](https://www.oakbourne.com/hubfs/stand%20out.jpeg)](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 [![Retirement Readiness: Cybersecurity Must Be a Priority for Plan Fiduciaries](https://www.oakbourne.com/hubfs/cybersecurity.jpeg)](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/hubfs/ready.jpg)](https://www.oakbourne.com/401kbulletin/retirement-readiness) [Retirement Readiness: How will you prepare?](https://www.oakbourne.com/401kbulletin/retirement-readiness) Dec 07, 2022 ![Email Icon](https://f.hubspotusercontent10.net/hubfs/1781314/Email%20Icon.svg) ### Subscribe to Our Blog [![Oakbourne Advisors logo](https://www.oakbourne.com/hubfs/logos/OakbourneAdvisors_Logo-v1.svg "Oakbourne Advisors logo")](https://oakbourne.com) Oakbourne Advisors is an independent investment consulting firm providing customized solutions for families, business owners and 401(k) plan sponsors. 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