The past year’s global collapse in financial markets, cutting across asset classes and sectors, took 401(k) investors on a harrowing ride. Nearly all participants have seen their nest eggs seriously diminished, at the very least. In some cases, the loss has been devastating, particularly for those near retirement age, whose investment portfolios were heavily weighted toward equities. While little can undo the short-term damage, barring an unpredictable economic upturn, the focus of plan fiduciaries today is on enabling participants to move forward. This paper focuses on how plan fiduciaries can begin to rebuild confidence and enable participants to make informed decisions in allocating their retirement savings.