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Making Your 401(k) Work Within Your Total Investment Strategy

ARTICLE | January 19, 2026

Authored by Vasquez + Company

Your 401(k) shouldn't exist in a vacuum. Too many investors manage their workplace retirement account separately from their other investments, leading to unintended consequences like portfolio imbalance, tax inefficiency, and missed opportunities. The key to maximizing your investment results lies in viewing your 401(k) as one piece of a larger financial puzzle. By understanding how tax treatment affects different investment types, strategically selecting from your plan's limited options, and being mindful of employer stock concentration, you can build a more cohesive and effective overall investment strategy.

Read the full article here.

 

Our firm provides the information for general guidance only, and does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind. The information provided herein should not be used as a substitute for consultation with professional tax, accounting, legal, or other competent advisers. Before making any decision or taking any action, you should consult a professional adviser who has been provided with all pertinent facts relevant to your particular situation. This article is not intended to be used, and cannot be used by any taxpayer, for the purpose of avoiding accuracy-related penalties that may be imposed on the taxpayer. The information is provided “as is,” with no assurance or guarantee of completeness, accuracy, or timeliness of the information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, merchantability, and fitness for a particular purpose. 

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