JR Chappell - Totus Wealth Management

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JR Chappell - Totus Wealth Management

Securities offered through Cetera Advisors LLC, member FINRA/SIPC. Cetera firms are under separate ownership from any other named entity.

Advisory services offered through Cetera Investment Advisers LLC, a Registered Investment Adviser.

09/02/2026

Pick ONE!

There are a variety of financial topics people struggle with; these are just a few of the most common.

Sound off in the comments below and let me know which one you have the most questions about... I'm here to help!

08/31/2026

Trading is Not Investing

Very few investors consistently beat the market over time. In fact, the overwhelming number of actively-managed mutual funds and ETFs - run by seasoned Wall Street pros with millions of dollars in technology and research - underperform a passive index like the S&P 500.

The better bet for a patient, long-term investor is to use inexpensive, broad-market index funds. If experienced Wall Street pros rarely beat the market, the rest of us have even less of a chance.

Disclosure - All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.

08/13/2026

Trading is NOT Investing

This poor guy lives on a steady diet of acid reflux tablets, constant business news, and sleep aids.

The simple truth is that most day traders don't beat the market as a whole, and in fact many of them wind up underperforming and losing money over time.

A patient, long-term investor picks quality positions and holds them through the good times and bad (hint - there are WAY more good times than bad in the market).

Let me help you ditch the market anxiety and start investing for long-term success.

08/10/2026

Pick a Plan, Stick to the Plan

Do you have CNBC playing on the TV every day? Do you check the financial news constantly and obsess over market swings from one day to the next?

I work with investors to create realistic and achievable investing goals which help you ignore the noise, focus on the things you can control, and avoid making costly mistakes by reacting out of emotion.

Contact me and let's talk about your goals, so we can put a plan in place to help you get there.

08/07/2026

10 Common 401k Oversight Issues Every Plan Sponsor Should Consider (Part 10)

The CPA Perspective

401k CPAs have a unique overview of retirement plans. You often see operational issues, compliance gaps, and process inconsistencies - often before the plan sponsor does.

Sound off in the comments about recurring issues you frequently see in your 401k audits!

(CliftonLarsonAllen)

08/05/2026

10 Common 401k Oversight Issues Every Plan Sponsor Should Consider (Part 9)

"Everything Looks Fine"

Some of the highest-risk retirement plans don't look problematic at first glance. The investments seem ok, employees aren't complaining, and the plan has been running for years.

But once you pop the hood, fees may be outdated; documentation may be lacking; and oversight may be minimal. That's where hidden risk lives. Let me help your company review your plan thoroughly and uncover (and address) any hidden problems before they become a problem.

(CliftonLarsonAllen)

08/03/2026

10 Common 401k Oversight Issues Every Plan Sponsor Should Consider (Part 8)

The Audit Trail

A well-run 401k should have a clear audit trail. This includes investment reviews, fee evaluations, committee decisions, and provider due diligence. When that trail exists, everything else becomes easier from audits to fiduciary reviews.

Remember, the ERISA standard is not perfection; it is making PRUDENT choices to benefit your employees. I'd love the opportunity to help your company make those same prudent decisions to ensure an effective and well-run retirement plan.

(CliftonLarsonAllen)

07/31/2026

10 Common 401k Oversight Issues Every Plan Sponsor Should Consider (Part 7)

Service Provider Oversight - Who is actually monitoring the service providers in your 401k plan?

Recordkeepers, advisors, TPAs… all play a role. But without clear oversight, it's difficult to evaluate performance, costs, and service quality. Someone needs to be responsible for that process.

What is your company's process for keeping the various plan vendors supervised?

(CliftonLarsonAllen)

07/29/2026

10 Common 401k Oversight Issues Every Plan Sponsor Should Consider (Part 6)

The Investment Committee.

Does your 401k plan have an investment committee? Many plans technically do, but meetings are informal, inconsistent, or undocumented. From a prudence standpoint, structure matters: regular meetings, documented minutes.

This is where strong fiduciary processes are built, and ERISA standards upheld.

(CliftonLarsonAllen)

07/27/2026

10 Common 401k Oversight Issues Every Plan Sponsor Should Consider (Part 5)

Fee Transparency

401k fees are rarely in one place; instead, they are spread across investment expense ratios, recordkeeping costs, & revenue sharing arrangements. Without a clear breakdown of total plan fees, it's difficult for plan sponsors to understand fully exactly what they are paying.

I'll work with you and get a full accounting of your current plan fees to make sure costs are not higher than they should be.

(CliftonLarsonAllen)

Address

Branch Address: 701 N Post Oak Road, Suite 320
Houston, TX
77024

Website

http://www.totuswm.com/

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