Podcasts about 401k

Type of retirement/pension plan in the United States

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    Best podcasts about 401k

    Show all podcasts related to 401k

    Latest podcast episodes about 401k

    For Better and Worth
    Ep 135: Retire Ready: Smart Money Moves During Mid-Career

    For Better and Worth

    Play Episode Listen Later Jul 23, 2025 32:07


    Planning for retirement can feel overwhelming, especially when you're in your 40s and 50s. This stage of life often comes with competing financial demands—raising kids, caring for aging parents, and maintaining a household. However, it's also a crucial time to focus on your financial future. By making strategic choices now, you can set yourself up for a comfortable retirement while alleviating many long-term worries. In this episode we explore some actionable steps to take control of your financial planning and make the most of your resources. We believe one smart move in particular will bring the most peace of mind during this season. Listen to find out what that one is...       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

    401(k) Specialist Pod(k)ast
    Defining Value Creation in the Decumulation Phase with Allianz Life's Danielle Kelso

    401(k) Specialist Pod(k)ast

    Play Episode Listen Later Jul 21, 2025 14:38


    As retirement plan participants transition from the accumulation phase to decumulation, the focus moves from building wealth to ensuring sustainable income—what's also known as "value creation."Danielle Kelso, Senior Institutional Solutions Consultant at Allianz Life Insurance Company of North America, joins the 401(k) Specialist Pod(k)ast to shed light on the changes and innovations shaping the future of retirement security. In her role, Kelso provides research, analytics and product expertise to the Allianz sales team, and shares her expertise on what retirement plan advisors and plan sponsors need to be thinking about when it comes to supporting a retiree's lifestyle by ensuring stable income and managing risks effectively.Key Insights:Personalized Income Planning Replaces One-Size-Fits-AllThe future of retirement planning lies in personalized strategies. Custom plans that integrate all income sources and reflect individual goals and spending habits offer better outcomes than generic investment approaches.Redefining Value Creation in RetirementValue creation is evolving beyond accumulating the highest portfolio balance. In retirement, it now centers on generating reliable, sustainable income that supports lifestyle and essential needs. This shift emphasizes peace of mind and financial security over raw returns.Annuities Play a Key Role in Managing Retirement RisksModern annuities help mitigate key retirement risks such as longevity, market volatility, inflation, and personal life changes. Allianz research shows that portfolios including annuities significantly improve the probability of meeting income goals—by up to 25–40% in adverse markets.See Also:Exploring Guaranteed Income in DC Plan Trends with Allianz Life's Matt StubblefieldSolving the Portability Puzzle with Allianz Life's Ben ThomasonExploring Retirement Income Strategies with Joshua Grass and Todd Levy

    Total Information AM
    Trump plans executive order allowing 401k investments in private equity

    Total Information AM

    Play Episode Listen Later Jul 21, 2025 2:33


    Financial expert Pam Krueger of Wealthramp-dot-com says people need to be careful of the new investing strategy.

    Featured Voices
    Equities Are Churning While Bonds Are Burning

    Featured Voices

    Play Episode Listen Later Jul 18, 2025


    Stocks are for show, but bonds are for dough. And bonds are screaming in distress at the present moment. Meanwhile, be extremely cautious about private equity in 401Ks, which the Trump administration is planning to make legal.Click Here for Peak Financial Investing

    The SWAPA Number
    The SWAPA Ride Report: 401(k) Plan Transfer, Scheduling Updates, and Contract Q&A

    The SWAPA Number

    Play Episode Listen Later Jul 18, 2025 8:14


    In this week's show, Communications Committee Chair Matt McCants walks the membership through the upcoming opportunity to transfer your Profit Sharing Account at Empower to the Southwest Airlines Pilots Retirement Savings Plan at Schwab. He also teases the upcoming 401(k) production coming in early August – from how your retirement dollars flow to frequently asked questions that the committee receives, be on the lookout for this evergreen resource in the coming weeks. He also talks about the multiple projects that the SAC is handling, including the feedback and guidance we give to the Company with line and pairing quality. The Contract Q&A this week covers LCO on reserve, picking up flying over non-fly bars, and travel before CQ training. There's also a great question about rest between duty period legality. You'll want to hear the details on this one- you might have more room to move your schedule around.  If you have any feedback for us at all, please drop us a line at comm@swapa.org or tap here to send us a text.Follow us online:Twitter - https://twitter.com/swapapilotsFacebook - https://www.facebook.com/swapa737

    The Bitboy Crypto Podcast
    Trumps 401k Crypto BOMBSHELL: $250k Bitcoin Prediction (Altseason Confirmed!)

    The Bitboy Crypto Podcast

    Play Episode Listen Later Jul 18, 2025 59:08


    New reports reveal that crypto — including Bitcoin — could soon be approved inside 401(k) retirement accounts under Trump's proposed policy changes. Altseason is here. XRP, ADA, ETH & Link are all moving. 

    Closing Bell
    Closing Bell Overtime: Coinbase CEO From White House After Crypto Bill Signed Into Law; Private Assets In Your 401(k)? 7/18/25

    Closing Bell

    Play Episode Listen Later Jul 18, 2025 42:34


    A busy Friday show: Fidelity's Jurrien Timmer weighs in on the market mood while BD8's Barbara Doran breaks down the key earnings coming next week. Coinbase CEO Brian Armstrong joins from the White House after President Trump signed key crypto legislation into law. Our Leslie Picker breaks down why private assets likely won't flood 401(k)s—even if Trump clears the path. Citi's Jason Gursky previews defense earnings.

    A Disciple's View with Todd Herman
    Private Equity Into 401Ks with Zach Abraham

    A Disciple's View with Todd Herman

    Play Episode Listen Later Jul 18, 2025 48:10


    Dorsey Wright & Associates Technical Analysis Podcast
    Dorsey Wright's Podcast 1006 - The Weekly Five: Participation, Earnings and Airlines

    Dorsey Wright & Associates Technical Analysis Podcast

    Play Episode Listen Later Jul 18, 2025 19:37


    This week, join David and Miles to discuss a backoff of stock participation off all time highs, the start of earnings season and a handful of airline stocks moving higher to start Q3..

    That 401(k) Podcast
    #358: That One About Offering Bitcoin In 401(k) Plans

    That 401(k) Podcast

    Play Episode Listen Later Jul 18, 2025 20:42


    Ary Rosenbaum, big Bitcoin investor, lets you know why 401(k) plan sponsors should never offer Bitcoin in their 401(k) Plan.

    Safe Money and Retirement
    Procrastination and Common-Sense Planning | Replay

    Safe Money and Retirement

    Play Episode Listen Later Jul 18, 2025 27:01


    #SafeMoney #JonHeischmanSr #ProcrastinationProcrastination is one of the leading issues for those approaching retirement age and host Jon Heischman, Senior talks about strategies and methods to take action.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

    Business Casual
    Powell's Job in Limbo? & Your 401K May Be Open to Private Markets

    Business Casual

    Play Episode Listen Later Jul 17, 2025 30:24


    Episode 628: Neal and Toby discuss the reports of Trump getting ready to tell Fed Chair Jerome Powell to pack his desk and skedaddle. Then, an executive order from the President may open up 401(k)s to private markets. Also, Ford is issuing another recall…seems to be a recurring issue. Plus, it's Neal's Numbers on the Labubu craze, air conditioning in Europe vs. the US, and obesity.  Meet your local home loan expert at ⁠⁠https://mortgagematchup.com/?utm_source=morning_brew&utm_medium=podcast  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ 00:00 - Dog adoption surges thanks to ‘Superman' 3:10 - Powell's on the hot seat 9:15 - 401Ks could go private 12:10 - Ford Recalls 18:00 - Labubu's rise 20:20 - Euro AC vs US AC 22:20 - Obesity Study 25:30 - Coke real cane sugar

    Climate Connections
    Climate-friendly 401(k)s can help protect your future

    Climate Connections

    Play Episode Listen Later Jul 17, 2025 1:31


    Many 401(k)s include investments in fossil fuels, but there are alternatives. Learn more at https://www.yaleclimateconnections.org/ 

    Watchdog on Wall Street
    The 401K Trap: Are You Getting SCAMMED?

    Watchdog on Wall Street

    Play Episode Listen Later Jul 17, 2025 19:17


    LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featuredIs it really about giving you more “access”—or giving Wall Street a way out?In this explosive episode of Watchdog on Wall Street, we sound he alarm on a quiet executive order that could flood 401Ks with risky, overvalued private equity. He breaks down:Why private equity “valuations” are often smoke and mirrorsHow firms use mark-to-model accounting to hide riskThe demonic game of musical chairs—and who's left holding the bagWhy this move isn't democratization—it's liquidationAnd why most Americans will not understand the hidden fees, lockups, and long-term pain baked into these investmentsFrom dot-com scams to Wall Street's newest hustle, we've seen this movie before—and spoiler alert: it doesn't end well for the little guy. www.watchdogonwallstreet.com

    WITneSSes
    Maximizing 401k for Business Growth: Matt Ruttenberg's Expert Strategies for Tax Savings & Financial Freedom

    WITneSSes

    Play Episode Listen Later Jul 17, 2025 21:06


    In this powerful episode of WITneSSes, Amb. Elisha sits down with Matt Ruttenberg, co-owner of a 401k administration firm, to unpack the hidden potential of retirement plans for business owners.   Matt shares his inspiring 20+ year journey from working with retirees in Florida to building a virtual, freedom-driven business serving entrepreneurs across the U.S. — all while living in Hawaii.  

    Daily Influence
    516. Uncovering Hidden Costs and Cultivating Connections: Paul Sippil on 401(k) Transparency and the Power of Community Dining

    Daily Influence

    Play Episode Listen Later Jul 17, 2025 18:48 Transcription Available


    In this eye-opening episode of Daily Influence, Gregg-Brooke Koleno welcomes Paul Sippil, forensic 401(k) consultant and founder of Community Dining. Paul shares his mission to expose the hidden fees lurking in retirement plans and empower business owners to ask the right questions for true financial transparency. He offers invaluable advice on advocating for fairness, curiosity, and humility in leadership.Beyond finance, Paul reveals how Community Dining brings people together through shared meals focused on regenerative farming, meaningful conversations, and Jeffersonian dinners. Together, Gregg and Paul explore how both financial literacy and authentic human connection can inspire responsible, positive influence.

    The Cardone Zone
    Increasing Your Net Worth — Escaping the Financial Traps

    The Cardone Zone

    Play Episode Listen Later Jul 16, 2025 53:01


    In Episode 266 of The Cardone Zone, Grant Cardone exposes the truth about the so-called “smart” financial moves we've all been taught — and how they're actually traps designed to keep you broke. From 401(k)s to home mortgages to traditional savings accounts, Grant breaks down how these vehicles were built by financial institutions to benefit themselves—not you. If you've been playing by the rules and still feel stuck, this episode will wake you up and give you the real strategy to increase your net worth and take control of your future. Inside the episode: The problem with “saving” money What wealthy people do differently with their income It's time to ditch the traps and take massive action toward building real, unstoppable wealth. Follow @GrantCardone on all social platforms Learn more at GrantCardone.com  And grab your copy of The Wealth Creation Formula to start thinking like the wealthy do

    The Investing Podcast
    Indonesia Trade Deal & 401(k) Private Investments | July 16, 2025 – Morning Market Briefing

    The Investing Podcast

    Play Episode Listen Later Jul 16, 2025 18:34


    Andrew, Thomas, and Tom discuss this morning's PPI data, the U.S. trade deal with Indonesia, and Trump's executive order to include private investments in 401(k) plans. Song: Trippin' on a Hole in a Paper Heart - Stone Temple PilotsFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

    CNBC Business News Update
    Market Midday: Stocks Mixed, Whip-Saw Day On Whether President Trump Will Fire The Fed Chair, Private Market Investments Might Come To Your 401k 7/16/25

    CNBC Business News Update

    Play Episode Listen Later Jul 16, 2025 3:43


    From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger.

    Noon Business Hour on WBBM Newsradio
    Chicago AI - Downsizing & Old 401k

    Noon Business Hour on WBBM Newsradio

    Play Episode Listen Later Jul 16, 2025 22:55


    Chicago is emerging as a major AI hub. Some retirees are rethinking downsizing amid high rates. Plus - what you should do with an old 401k.

    Ready For Retirement
    What Should You Do With Your 401k When You Retire?

    Ready For Retirement

    Play Episode Listen Later Jul 15, 2025 16:25 Transcription Available


    Your 401(k) is likely your largest retirement asset—so the decisions made about it can have a lasting impact. This episode explores the pros and cons of keeping a 401(k) versus rolling it over to an IRA.Learn when it makes sense to stay in a 401(k), especially for those retiring between ages 55 and 59½, when a special IRS rule allows penalty-free withdrawals not available in IRAs. Keeping pre-tax funds in a 401(k) may also support more efficient backdoor Roth strategies.Six key factors influence the decision: cost, control, investment options, account consolidation, ease of use, and coordination across accounts. The discussion also dives into advanced strategies—such as in-plan Roth conversions, the tax treatment of after-tax contributions, and Net Unrealized Appreciation (NUA) for company stock.The right choice depends on individual retirement timelines, tax strategies, and long-term financial goals. This episode helps uncover what to consider before making a final decision.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

    The Steve Gruber Show
    Nick Hopwood | Retirement, 401(k) Moves, and a Shrinking Social Safety Net

    The Steve Gruber Show

    Play Episode Listen Later Jul 15, 2025 8:30


    Certified Financial Planner and President of Peak Wealth Managment, Nick Hopwood joins the show to break down how Trump's “Big Beautiful Bill” could impact your retirement, analyzes a spike in 401(k) trading as investors shift to fixed income, explains why Americans now believe it takes $2.3 million to feel wealthy, and warns that Social Security is on track to cut full benefits by 2034.

    The Savvy Investor Podcast
    We're Gonna Need a Bigger Tax Plan... | Jaws 50th Annivesary

    The Savvy Investor Podcast

    Play Episode Listen Later Jul 15, 2025 15:02


    Ryan Herbert and Lawrence Kiely dive into the 50th anniversary of Jaws—and use it as a metaphor for the hidden dangers lurking in retirement accounts. From Required Minimum Distributions (RMDs) to Roth conversions, they break down how tax planning can be the “bigger boat” you need to stay afloat in retirement. Learn how a proactive tax strategy could potentially save you hundreds of thousands—even millions—over your lifetime. Want to begin building your retirement and tax plan? Schedule a call with us here:

    Michigan's Retirement Coach
    The Five Ages That Could Make or Break Your Retirement

    Michigan's Retirement Coach

    Play Episode Listen Later Jul 15, 2025 13:50


    Mariah Carey may not believe in birthdays, but the IRS sure does. In this episode, Mike Douglas breaks down the five key ages that shape your retirement tax strategy—and why ignoring them could cost you. From catch-up contributions at 50 to required distributions at 73, Mike explains how each milestone opens (or closes) a window of opportunity. Whether you're planning withdrawals, considering Roth conversions, or just trying to avoid tax traps, this episode helps you untangle the complex web of retirement tax rules with clarity and confidence. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

    The Moneywise Guys
    7/11/25 Back to Basics: Gen-Z, Retirement, and Crushing Debt

    The Moneywise Guys

    Play Episode Listen Later Jul 14, 2025 44:23


    The Moneywise Radio Show and Podcast Friday, July 11th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management  

    321 Biz Development
    Episode 964: The Fixed Indexed Annuity Is a Pre-Retirement Planning Safeguard from Market Volatility

    321 Biz Development

    Play Episode Listen Later Jul 14, 2025 2:06


    Your Money Matters with Jon Hansen
    Mesirow Monday: Investing into your IRA or 401(k) accounts

    Your Money Matters with Jon Hansen

    Play Episode Listen Later Jul 14, 2025


    Every Monday, Jon Hansen is joined by a specialist from Mesirow to discuss a different topic surrounding finances. In this episode, Tiffany Irving, Senior Vice President and Wealth Advisor at Mesirow, joins Your Money Matters to talk about investing in your IRA or 401(k) accounts. For more information, visit www.mesirow.com or call 877 Mesirow.

    Quick Financial Tips from your Rich Uncle
    The Journey to Simple Passive Cashflow Audiobook - Why Syndications over BRRRR or Turnkey Rentals?

    Quick Financial Tips from your Rich Uncle

    Play Episode Listen Later Jul 14, 2025 21:14


    All too often hard working people with good jobs are struggling to get by.These are the same people who are forced to take stressful promotions at work and spend a couple hours commuting each day. They come home to the house they think they own, but they are really just a slave to the mortgage company.These “good citizens” are victims of an engineered system to keep them investing in 401Ks, mutual funds, and stocks.This financial system is setup where the insiders are stealing the majority of your returns (and you take all the risk).The truth is the wealth who are investing in alternative assets and operating off a different financial framework and not using these traditional options from a financial planner, commission-based broker, or the retail 401k/mutual fund/stock route.Lane Kawaoka has been investing in real estate for over a decade and now controls 7,500+ units (1$ Billion plus in assets). Lane is responsible for finding, analyzing, and marketing real estate investment opportunities.It's likely not the journey you'd expect, and it's also more simple than you'd expect. Welcome to the Journey to Simple Passive Cashflow!Visit theWealthElevator.com/bonus to access your free masterclass — built for busy professionals and business owners. The preceding is not tax, legal, or investment advice, nor an offer to sell securities or investment products. Always make informed decisions with professional guidance. Hosted on Acast. See acast.com/privacy for more information.

    Expedition Retirement
    A Huge Advisor Foul Up | 7 Places NOT to Put Your Retirement Money | An NFL Quarterback Gets a Tax Surprise | The Rage About Rates: Does It Really Matter?

    Expedition Retirement

    Play Episode Listen Later Jul 12, 2025 56:20


    On this episode: What to do when your advisor makes a mistake. Avoid these places with your retirement money. How does all the talk about interest rates effect you? A retirement lesson from the Road Runner and the Coyote. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

    The Moneywise Guys
    7/10/25 From 401(k)s to Community Vitality: Building a Brighter Future

    The Moneywise Guys

    Play Episode Listen Later Jul 11, 2025 47:26


    The Moneywise Radio Show and Podcast Thursday, July 10th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: BPD Lt. Nicole Anderberg & Jamie Achterberg , Assistant to the City Manager website: www.bakersfieldcity.us/1184/Community-Vitality phone: 661-326-3737

    Dorsey Wright & Associates Technical Analysis Podcast
    Dorsey Wright's Podcast 1005 - 5 Charts: Best & Worst ETFs, ATHs, Copper, and International Scores

    Dorsey Wright & Associates Technical Analysis Podcast

    Play Episode Listen Later Jul 11, 2025 21:50


    This week, we discuss the best & worst performing stocks through June, new equity all-time highs, copper breaking out, and international equity score improvement.

    That 401(k) Podcast
    #357: That About About 401(k) Plan Sponsors Avoiding the 3Cs

    That 401(k) Podcast

    Play Episode Listen Later Jul 11, 2025 18:30


    ARY ROSENBAUM talks about how 401(k) plan sponsors can avoid the 3Cs: cost, complacency, and control.

    The Millionaire Dentist
    How Expert Guidance Drilled Down to Early Retirement and Business Growth

    The Millionaire Dentist

    Play Episode Listen Later Jul 10, 2025 33:35


    Dental practice owners Dr. David Salomons and Dr. Adam Underwood share their transformative experiences partnering with Four Quadrants Advisory. Dr. Salomons, initially skeptical, credits the collaboration with accelerating his retirement. Dr. Underwood, a newer owner, valued comprehensive guidance from the start. Both dentists highlight how an external team handling business and finances freed them to focus on patient care and reduced stress. They advise other practice owners to seek expert guidance to achieve the next level of success.Interested in more info on how to: Earn More, Save More, and Retire EarlyUpcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

    Retirement Revealed
    The Hidden 401(k) Costs You've Never Heard Of – And What To Do About Them

    Retirement Revealed

    Play Episode Listen Later Jul 9, 2025 33:32


    Forensic consultant Paul Sippil explains little-known costs for business owners and plan participants and what you can do about them. When it comes to retirement planning, one of the most overlooked areas is the cost hiding within your 401(k) plan. I sat down with Paul Sippil, a forensic 401(k) consultant, in this week's episode of the Retirement Revealed podcast. For the last 20 years, Paul has been helping employers and plan participants understand the full picture of what a 401(k) really costs–and most importantly, what you can do about it. What we revealed may surprise you: many of the fees you could be paying are seemingly invisible, unspoken, and quietly leaving your retirement savings. Your 401(k) Isn't "Free" One of the most common phrases Paul hears when talking with business owners and plan participants is: “I'm not paying anything.” And technically, they're not—at least not directly. That's because 401(k) fees often don't show up on an invoice. Instead, they're extracted from participant accounts through asset-based fees, commissions, and revenue sharing agreements that most people never even notice. Here's the reality: if you're in a 401(k), especially with a small to mid-sized employer, you could be overpaying. And no one may be telling you. The Bigger the Balance, the Bigger the Fee Many 401(k) service providers charge asset-based fees, meaning the more money you have in the plan, the more you pay—even if the services don't change. That fee structure hits high-balance employees (often business owners or long-time participants) the hardest. For example, if your plan has $3 million in assets and your advisor is receiving 0.75% annually, that's $22,500 per year in compensation—whether or not they're actively helping you. Would you pay that if you received an invoice in the mail? However, when the fee is simply deducted from your account through share class expense ratios or revenue sharing, many people never realize it. Small Plans, Big Problems If you work at or own a small business with under 100 employees, your per-participant fees are likely much higher than those in larger plans. According to the U.S. Department of Labor, large plans (those with over $100 million) can be up to 50% cheaper in relative costs. Smaller plans are often stuck with higher costs and less transparency. How to Spot the Hidden Fees Finding these costs isn't easy, but there are tools: Form 5500: This publicly available tax form (found at www.efast.dol.gov) details plan costs and fund options for plans with over 100 participants. Review Share Classes: Funds come in multiple share classes. Some, like “R2,” may carry hefty embedded commissions. Ask your provider if lower-cost versions like “R6” are available. Watch for “Revenue Sharing”: This outdated and opaque compensation method allows brokers and recordkeepers to collect fees without ever issuing a bill. Why Transparency Matters Paul made an interesting point: if employers were required to write a check for 401(k) services as opposed to having the fees quietly and automatically withdrawn, he believes the plan-holders and business owners would actually negotiate those fees, thus resulting in lowered costs. But the industry thrives on invisibility—making it hard for both employers and employees to question or benchmark what they're paying. That's why we suggest a simple test: If your financial advisor can't clearly explain what they're being paid and what you're getting in return, it's time to ask better questions and evaluate your options. Self-Directed Brokerage Accounts (SDBA) If your current 401(k) doesn't offer the investment options you want, ask your employer about adding a Self-Directed Brokerage Account. This feature allows you to invest in a wider range of funds—including ETFs and commodities—that may not be available in your default menu. Not every provider offers this, but it's worth requesting.

    Cortburg Speaks Retirement
    What Should You Do With Your 401(k) When You Leave a Job? | 4 Smart Options Explained

    Cortburg Speaks Retirement

    Play Episode Listen Later Jul 9, 2025 3:29 Transcription Available


    When you leave a job, your 401(k) doesn't come with you automatically. In this episode, Miguel Gonzalez breaks down your four main options—and how each one affects your taxes, investment strategy, and future growth.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#401kOptions #RolloverIRA #JobChangeFinance #RetirementPlanning #CortburgRetirement #MiguelGonzalezCRC #InvestmentStrategy #LeaveAJob #FinancialAdvice #IRArollover #401krollover #CashOut401k #RetirementSavings #RMDplanning #FinancialFreedom #SmartMoneyMoves #MoneyMatters #TaxPlanning #WealthManagement #YouTubeFinanceWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

    Wharton Business Radio Highlights
    Automatic Enrollment, Tax Fears, and the 401(k) Surge

    Wharton Business Radio Highlights

    Play Episode Listen Later Jul 9, 2025 9:47


    Olivia Mitchell, Professor and Executive Director of the Pension Research Council at the Wharton School, joins the show to discuss Fidelity's latest data showing record-high retirement saving rates, explore the policy and psychological factors driving increased 401(k) participation, and examine how generational trends, employer incentives, and concerns over Social Security and national debt are shaping the future of retirement preparedness. Hosted on Acast. See acast.com/privacy for more information.

    21 Hats Podcast
    Straight Talk About ESOPs and Co-Ops and EOTs, Oh My!

    21 Hats Podcast

    Play Episode Listen Later Jul 8, 2025 50:04


    This week, in Episode 254, Jay Goltz, Mel Gravely, and special guest John Abrams have a frank conversation about what business owners can do to avoid what John calls the “fat-wallets-and-broken-hearts syndrome.” That's his term for what can happen when an owner sells to private equity and the company ends up getting stripped. Jay, Mel, and John all agree they want no part of that. They all would like to see their businesses continue on without them. And yet, in thinking about succession, they've chosen different paths. In a conversation sparked by the recent publication of John's book, From Founder to Future, we discuss those choices along with such issues as: why there are so few employee-owned businesses, whether they outperform other businesses, how you can finance the sale of a business to employees, whether the employee owners of an ESOP are truly owners, and whether a worker co-op model just might work for a hard-bitten, old-school owner like Jay Goltz.

    Your Retirement Radio With Kevin Madden
    Understanding Your Investment Risk Tolerance

    Your Retirement Radio With Kevin Madden

    Play Episode Listen Later Jul 8, 2025 13:48


    On this episode of Your Retirement Radio Podcast, Kevin discusses the implications of potential tax changes on Social Security, the resilience of the economy amidst market volatility, and the importance of understanding investment risks in retirement. The conversation also covers the transition from traditional pensions to 401(k) plans and emphasizes the need for a sustainable retirement income strategy. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

    Directed IRA Podcast
    Solo 401(k) vs. Self-Directed IRA - Who Wins?

    Directed IRA Podcast

    Play Episode Listen Later Jul 7, 2025 23:00


    Solo 401(k) vs. Self-Directed IRA: Who Wins? In this episode of the Directed IRA Podcast, Mat Sorensen and Mark J. Kohler engage in a detailed, side-by-side comparison of two powerful retirement vehicles: the Solo 401(k) and the Self-Directed IRA. From Roth contributions and rollover rules to the Solo 401(k)'s $50K loan feature, Mat and Mark walk through real-world scenarios to help you choose (or combine) the best account for your retirement strategy. If you're self-employed or considering more control over your retirement investing, understanding the nuances between these accounts is essential.Chapters:00:00 - Intro: The Retirement Account Showdown01:55 - What Is a Self-Directed IRA?03:30 - Solo 401(k) Advantages & Eligibility04:25 - Contribution Limits: IRA vs. 401(k)06:37 - Roth Strategy: IRA vs. Solo 401(k)08:30 - Borrowing & Rollovers13:30 - Administrative Complexity vs. Control17:00 - When to Use Both Accounts19:12 - Final Verdict: Strategy Over PreferenceDirected IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

    Elite Expert Insider
    The Business Fortress Formula with Mark Willis

    Elite Expert Insider

    Play Episode Listen Later Jul 7, 2025 17:06


    In this episode, host Jenn Foster is joined by Certified Financial Planner and three-time bestselling author Mark Willis. They dive into the world of smart investing, future planning, and the unique financial hurdles that entrepreneurs and real estate investors face. Mark shares his journey from mowing lawns as a kid to guiding business owners toward financial security, and he unpacks strategies for thinking differently about money—beyond traditional 401(k)s and mutual funds. You'll hear practical questions every business owner should ask before investing, explore how specially designed whole life insurance policies can become powerful financial tools, and learn why thinking critically about your money's purpose is key. Plus, Mark gives a sneak peek into his new book, "The Business Fortress," and offers hands-on advice for building a rock-solid business foundation.

    Esse Health Benefits U
    EBU032-Avoiding the Pitfalls of 401(k) Loans

    Esse Health Benefits U

    Play Episode Listen Later Jul 7, 2025 6:45


    Taking a loan from your 401(k) might seem like a simple fix when cash is tight—but it could cost you more than you think. In this episode, we welcome back Ryanne Harmann, QKC, QKA, from Acropolis Investment Management to explore the hidden risks with borrowing from your retirement savings. From double taxation and surprise tax bills to the long-term impact on your retirement nest egg, Ryanne breaks down why borrowing from your future self is rarely a win.  Whether you're considering a loan or just curious about smarter strategies, Ryanne's expert insights will equip you to make informed decisions.  And remember - Acropolis is always there to help guide you when you have questions, simply call the participant services line and ask to speak to an Acropolis advisor. ☎️ 1-888-838-0767 . Arm yourself with the knowledge you need before tapping into your 401(k)!   For more benefit tips and wellness info, follow essehealthbenefitsu on Facebook, Instagram, or YouTube.       ------ Music Credit: "Cheery Monday" - Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

    The Mind Commander
    Episodio 128:

    The Mind Commander

    Play Episode Listen Later Jul 7, 2025 66:36


    Este es un episodio imperdible pues me acompaña el CPA, Joel Rodríguez.  Un líder con propósito, energía contagiosa y una visión que conecta demasiado con las enseñanzas de este podcast.  Estaremos explorando la mentalidad y las creencias limitantes que sabotean nuestras decisiones financieras.  También como Coach, le doy la mirada neurocientífica y comparto ejemplos personales... como mi vieja creencia de que el dinero se hizo para gastarse.  Y como nuestros comportamientos, como evitar hablar de dinero o rechazar algun regalo, revelan mucho más de lo que imaginamos. Esto es solo el comienzo de una serie de conversaciones que abrirán tu MENTE, tu corazón... y tal vez tu cartera para invertir en tu futuro, y en esa creación de riqueza que solo se la dejamos a un patrono a través de un 401K.    Hoy aprenderás porqué la riqueza no comienza en el banco sino que comienza en tu MENTE. 

    The Hardcore Closer Podcast
    Buying a Business With the Bank's Money | THC 340

    The Hardcore Closer Podcast

    Play Episode Listen Later Jul 5, 2025 18:11


    There are a few ways to become an entrepreneur:   Build a business. Buy an existing business.    Seems simple right?   But what if you don't have the capital to start your own business?    Maybe you've been working at your job and only have a chunk of your life savings tied up in your 401K.....   That's okay, at least you have something.    Most people when they're looking to start or buy a business borrow money from friends, family, and neighbors. Some of the raise funds from the public, but here's what I'll share...........   It's easier to get the bank's money than losing friends, family, or neighbors.    In this episode, I map out creative ways to finance your business, whether you're starting your own or purchasing an existing one.    I cover how to build credit for your business How to leverage the business' credit to acquire more credit Lines of Credit  Collateralized credit How to make the biggest impact leveraging simple building blocks to acquiring a business with little to none of your money down   There's no need to cash out your 401K. Dip into savings.  Mortgage your house.    Everytyhing you'll learn here is going to set you up for a different tomorrow.    Lean in and bring something to take notes with; I've got you covered like a blanket on this one!    About the THC Podcast  Nothing is off-limits in these weekly episodes of the Hardcore Closer Podcast with Ryan Stewman.  Politics, Finance, Religion, Tin-foil hat theories, and interdimensional space aliens.  Ryan Stewman takes a very factual approach to simplifying the most complex things we are experiencing in real time in this timeline.  Leave your feelings at the door and buckle up for a fresh perspective with no fluff, and just the hardcore stuff that reality is made of. Learn how you can become a member of a powerful community consistently rewiring itself for success at https://www.jointheapex.com/  and learn how you can finally partner with someone helping you grow, scale, and have the most successful business without the complexities of sharing equity in your company https://closercap.com/   Rise Above

    Money Talks Radio Show - Atlanta, GA
    July 5, 2025: From Payroll to Portfolio: Making the Most of Your 401(k

    Money Talks Radio Show - Atlanta, GA

    Play Episode Listen Later Jul 5, 2025 58:57


    In this episode, we sit down with Justin Wagner, AIF®, Henssler Financial's Director of Business Development, to explore the real value of offering—and participating in—a 401(k) plan. For employers, we discuss the end of traditional pensions and why the shift toward defined contribution plans like the 401(k) makes sense today. Justin explains how company contributions are tax deductible, how a strong plan can enhance your ability to attract and retain top talent, and how it can make your company more appealing by demonstrating a commitment to employees' long-term financial wellness.On the employee side, we break down how contributions can reduce taxable income, the benefits of employer matching, the advantages of tax-deferred growth, and current annual contribution limits. Plus, we address some of the most common myths and misconceptions that prevent people from fully maximizing this powerful retirement tool.Whether you're an employer considering a plan or an employee looking to make smarter retirement decisions, this episode has something for you.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.Henssler Money Talks — July 5, 2025  |  Season 39, Episode 27Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

    The Clark Howard Podcast
    07.02.25 OK 401(k) / It's A Large Small Business World

    The Clark Howard Podcast

    Play Episode Listen Later Jul 2, 2025 35:26


    Today, Clark discusses a disturbing trend underway involving retirement accounts, and explains the best way to use a 401(k).  Also, Clark explores the significance of small business in building wealth and influencing the overall economy, including the opportunities provided for workers now facing uncertainty.  Steady Retirement Saving: Segment 1 Ask Clark: Segment 2 Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The Only Two Exceptions to Clark Howard's Annuity Rule Immediate Payout Annuity: What Is It and Do You Need It? How to Start Investing: 10 Steps for Beginners 3 Big Retirement Account Changes You Haven't Heard About What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? How To Buy Term Life Insurance in 7 Easy Steps Homeowners Insurance Archives - Clark Howard How to Shop for Lower Car Insurance How To Send a ‘Drop Dead' Letter to a Collection Agency Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

    Jill on Money with Jill Schlesinger
    Any Benefit to Actively Managed 401(k)?

    Jill on Money with Jill Schlesinger

    Play Episode Listen Later Jul 2, 2025 15:08


    My financial advisor is recommending a company to manage my 401(k). He says this company will be managing it constantly and said studies show they increase returns by 2-4%. Should I jump for joy or run for the hills? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

    Yo Quiero Dinero: A Personal Finance Podcast For the Modern Latina
    Ask Jannese: 401Ks, Side Hustles, and FI/RE (REPLAY)

    Yo Quiero Dinero: A Personal Finance Podcast For the Modern Latina

    Play Episode Listen Later Jun 30, 2025 29:57


    Episode highlightsHow to juggle between side hustles and a FT jobAt what point did Jannese realize she reached FI (financial independence)How long did it take her to reach FI/REShould you contribute to a ROTH IRA or a 401K?How to invest as a newbieDo you need a financial advisor to manage your dinero?Managing her property in Puerto Rico when she's not living there full timeHow to handle old retirement accountsWhat bank is good to start a 401K?Book recommendations:I Will Teach You to be Rich by Ramit SethiMind Your Money by Yanely EspinalWealth Warrior by Linda GarciaResources mentioned:CapitalizeWant to turn your passion in profit? Sign up for our FREE MASTERCLASS to learn how Jannese was able to take a side hustle into a full time entrepreneurial career, and how YOU can too!During this live class, we're gonna have f*ck-ton of fun learning how to bring in more dinero each month with a side hustle you love.This webinar will give you a clear road map for starting and growing a profitable side hustle. From mindset and monetizing your ideas, to managing taxes and a lot more. GRAB YOUR SEAT TODAY! Hosted on Acast. See acast.com/privacy for more information.

    Mock and Daisy's Common Sense Cast
    8 Money Mistakes That'll Ruin Your Retirement

    Mock and Daisy's Common Sense Cast

    Play Episode Listen Later Jun 29, 2025 18:35


    Zach Abraham from Bulwark Capital joins the Chicks to break down the 8 expenses retirees wish they'd cut sooner—from car payments to bougie groceries. Daisy confesses her Starbucks mug addiction, and Zach explains why debt (especially credit cards!) is the real wealth killer. Don't wait!  Visit  https://KnowYourRiskPodcast.com to schedule your free Know Your Risk Portfolio Review with Bulwark Capital.

    So Money with Farnoosh Torabi
    1845: Ask Farnoosh: Paid Off Mortgage. Now What? College Savings Problems, Roth 401(k) vs Roth IRAs and more

    So Money with Farnoosh Torabi

    Play Episode Listen Later Jun 27, 2025 29:35


    This week's Ask Farnoosh mailbag includes timeless questions with a fresh twist:-What should you do after paying off your mortgage?-How to handle running out of tuition money when your child is in their third year of college.-Is it worth opening a second retirement account beyond your 401(k)?-And what's the real difference between a Roth IRA and a Roth 401(k)?