Fourward Thinking: Your 401(k) Game Plan
By Nick Hemsted
Fourward Thinking is about breaking things down into four manageable steps. Each set of tips is designed to help you approach your 401(k) decisions with clarity.
1. Offering a 401(k) isn’t just about retirement—it’s about leadership.
Your plan signals how much you care about your people’s future. A well-run plan can improve retention, attract talent, and build culture. Don’t just offer a 401(k). Own it.
2. The best 401(k) plans are simple—but not accidental.
Great design, low fees, and clear communication don’t happen by chance. They require ongoing review and intentional choices. Complexity repels engagement—clarity drives it.
3. Your 401(k) is part of your employer brand.
It says a lot about how much you care beyond the paycheck. The best talent looks at benefits as closely as base salary. Make sure your plan tells the right story.
4. A 401(k) is more than a checkbox—it’s a competitive edge.
In a tight labor market, financial benefits matter more than ever. A thoughtful plan shows leadership and values. Are you using yours strategically?
Planning doesn’t have to be about control.
It can be about freedom.
We work with people who want more intention - not more to-do lists.
Disclosures: The material presented by Nick Hemsted is for informational purposes only. It is not intended to serve as a substitute for personalized investment advice or as a recommendation or solicitation of any particular security, strategy or investment product. Actual economic or market events may turn out differently than as presented. Nick Hemsted is a Financial Advisor with Legacy Financial Group. Advisory services are provided by Legacy Financial Group, a registered investment advisor with the Securities and Exchange Commission. Materials posted to this site are from external sources and are provided for your convenience in locating related information and services. Legacy expressly disclaims any responsibility for and does not maintain, control, recommend, or endorse third-party sites, organizations, products, or services, and make no representation as to the completeness, suitability, or quality thereof.
