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.

06/04/2026

The Fiduciary Risk

Offering a 401(k) plan comes with responsibility. Many employers don’t realize they are considered fiduciaries under ERISA. That means they are responsible for making sure the plan is reasonably priced, properly managed, and monitored regularly.

The good news? With the right structure and documentation, this risk can be managed. I can help with that, let's talk.

06/01/2026

The Case For Diversification

It's a big wide world out there. Lots of different goods & services, created by lots of different countries, all being bought and transported to lots of other countries! Nobody knows what will happen as global markets evolve & modernize. A prudent investor places him/herself in a position to capitalize on world markets.

Talk to me and let's review your accounts to make sure you are diversified appropriately as well.

05/29/2026

The "Too Many Funds" Problem

More choices doesn’t always mean better choices; some 401(k) plans offer 50+ investment options! In fact, a number of large employers have even been sued under ERISA law for offering too many investment options in their 401k fund lineup.

Research shows employees often struggle when there are too many choices; a well-designed plan usually focuses on a smaller, curated lineup that makes investing simpler. Sometimes less really is more. Contact me and let's review your company's 401k investment lineup and ensure it's appropriate for the employees' benefit.

05/26/2026

The “Set It and Forget It” Trap

A 401(k) plan is not a crockpot; you can’t just set it and forget it for 10 years. Plans should be reviewed regularly for investment performance, fees, compliance, & employee participation.

Most companies are surprised how many improvements can be made with a simple annual checkup. When was the last time you looked at yours? Contact me now, I can help.

05/18/2026

The 401k Participation Problem

If your employees aren’t using the 401(k)… something is wrong. Many companies offer a plan but only see 30–40% participation; that’s a red flag.

Usually it comes down to one thing: employees simply don’t understand how the plan works; a little education can dramatically improve participation. When employees feel financially secure, they tend to stay longer. That's good for the business, because it reduces turnover and new hire onboarding costs.

How often does your plan advisor do onsite education and meet with your staff? Let's talk about it!

05/14/2026

The Hidden Fee Problem: Avoid this ONE common 401(k) mistake.

Many employers assume their plan fees are “normal.” But in reality, some plans pay more than necessary. Over time, those fees quietly eat away at employees’ retirement savings. A simple benchmark review can reveal whether your plan is competitive - most employers are surprised by what they find.

When was the last time you checked your plan's recordkeeping charges?

05/12/2026

Time in the Market vs Timing the Market

If you're wondering when is the "best" time to buy or sell a stock, you are probably trying to time the market; none of us are very good at that - even highly paid Wall Street pros don't do it consistently over time.

The better bet is owning broad, low-cost index funds and keep contributing to your account on a regular basis. Trying to pick the winning horse is a fool's errand; own a little piece of everything and your chances for success are a lot higher!

Call me and let's review your account together.

04/27/2026

3 Investing Habits That Will Improve Your Life (Part 3)

Maintain investment discipline through good times and bad; the most successful long-term investors are the ones who keep contributing to their retirement accounts even when the market declines.

What investing habits do YOU have, good or bad?

Educational content only. Not individualized investment advice. Investing involves risk, including possible loss of principal.

04/22/2026

3 Investing Habits That Will Improve Your Life (Part 2)

Stop checking your account every day! None of us have any control over what the market does from one day to the next, so there's no reason to give yourself anxiety watching it all the time. Make sure your investments match your risk tolerance and time horizon, kick your feet up, and relax.

Tell me in the comments how often you check your account... does it raise or lower your stress level to watch the market gyrations?

Educational content only. Not individualized investment advice. Investing involves risk, including possible loss of principal.

Address

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

Website

http://www.totuswm.com/

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