Derek Woods has combined his experience in both insurance and financial planning assistance in an attempt to create the best possible sources for you reach your goals and expectations. Your future is in your hands and the economy has never made it so crystal clear. We must take control of future's and the only way to do that is to spend time with an expert. Give Derek a call today at his Steger, IL, office and find out how your future's dream can be your reality. Responsibility has been placed squarely on the employee. Now it is the employee's job to figure out how much will be needed in retirement and how to invest 401k balances to meet retirement goals. Investing all or most of a 401k account in employer stock used to be considered a safe and simple option. In the post-Enron era, such a simple 401k planning strategy is known to be foolhardy. For many, 401k planning is a daunting task. Unfamiliar with retirement planning or investment concepts, some people choose to do nothing and hope for the best.401k Planning is geared toward providing useful 401k and retirement planning information for the average person. Our goal is to keep things simple and user-friendly, but still be effective. We believe that not only can anyone do effective 401k planning by focusing on a few key concepts, it is more essential than ever that they do so. Please browse our site and let us know what 401k planning topics you would like to see covered.