Podcasts about 401k

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.

On this episode: TINA is back! People believe There Is No Alternative to the stock market. Are they correct? You may not spend too much or run out of money in retirement. But you may make this easy mistake. 4 trillion dollars are sitting in these 401(k) accounts, and they may not be doing what they promised. Like this episode? Hit that Follow button and never miss an episode!

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

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

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

In this episode, Marty discusses the importance of maintaining control over one's financial future, addressing common insecurities many Americans face regarding their financial stability. He emphasizes the need for a comprehensive financial plan that includes understanding income sources, managing debt, and preparing for emergencies. The conversation also covers the benefits of annuities, the significance of not procrastinating in financial planning, and strategies for effective retirement savings. Marty encourages listeners to take proactive steps in their financial journey and offers his services for personalized financial planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

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

#SafeMoney #JonHeischmanSr #DestinationRetirementHost Jon Heischman, Senior talks about having success with clients when their destination is retirement! 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.

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.

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

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.

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.

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.

In this episode of the Crypto 101 podcast, hosts Bryce and Brendan welcome Matt Hougan, CIO of Bitwise, to discuss the latest developments in the cryptocurrency market. They explore the positive news surrounding Bitcoin's acceptance as collateral in the mortgage industry, the implications of the Department of Labor's relaxed guidance on crypto in 401K plans, and the growing interest from institutional investors. Matt shares insights on Bitwise's product innovations, the role of ETFs in the crypto space, and the increasing engagement with wealth managers. The conversation also touches on the future of Bitcoin and Ethereum ETFs, the importance of diversified crypto exposure, and the evolving relationship between Wall Street and the crypto market. The episode concludes with a lightning round of predictions and insights from Matt, highlighting the transformative potential of crypto in the financial landscape.Chapters00:00 Introduction to the Crypto Landscape01:34 The Impact of Regulatory Changes on Crypto03:26 The Role of 401(k) in Crypto Adoption07:10 Bitwise's Product Innovations and Market Education09:58 The Future of Bitcoin and Ethereum ETFs18:56 Staking ETFs and Regulatory Challenges21:27 The Potential for Altcoin ETFs31:41 Maximizing Returns with Crypto Integration34:46 Predictions for Bitcoin and Crypto Market Trends39:11 The Future of Crypto IPOs and Market Dynamics42:39 The Impact of Stablecoins on the Crypto Market46:20 Tokenized Real World Assets and the Future of FinanceCheck out Gemini Exchange: https://gemini.com/cardCheck out Plus500: https://plus500.comGet immediate access to my entire crypto portfolio for just $1.00 today! https://www.cryptorevolution.com/cryptnation-directGet your FREE copy of "Crypto Revolution" and start making big profits from buying, selling, and trading cryptocurrency today: https://www.cryptorevolution.com/freeMERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcastFollow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101Guest Link:https://x.com/matt_hougan?lang=enhttps://x.com/BitwiseInvest*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved 2025. ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Gemini Exchange: https://gemini.com/card* Check out Plus500: https://plus500.com* Check out Plus500: https://plus500.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this conversation, Abe discusses the multifaceted aspects of retirement planning, emphasizing the importance of not only financial stability but also personal fulfillment in retirement. He shares insights on how to approach retirement income, the implications of continuing to work, and the significance of making informed purchasing decisions during retirement. The discussion highlights the need for retirees to consider their lifestyle choices and hobbies, as well as the potential pitfalls of major purchases. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

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

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.

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/

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. 

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

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/ 

Charisse and her daughter Ella have fun with Dog Bite Awareness month. How big and bad is the dog after your retirement money? Like this episode? Hit that Follow button and never miss an episode!

Have you ever left a job and forgotten about your retirement plan? You're not alone. A staggering $1.3 trillion sits in over 25 million abandoned 401(k) accounts across America. That's literally like walking away from your paycheck when you exit the building!Today I'm breaking down your four options for those old retirement plans, whether they're 401(k)s or 403(b)s. You can leave the money where it is (if you have over $7,000 in the account), which might work well if your former employer offered solid low-cost options. But let's be honest – out of sight often means out of mind, and these accounts frequently end up neglected.Rolling your old plan into your current employer's 401(k) keeps everything in one place, making it easier to manage alongside your current contributions. This strategy also preserves your ability to make backdoor Roth IRA contributions if your income exceeds the normal limits. Alternatively, you could roll the funds into an IRA for potentially greater investment flexibility, though this might come with higher costs than employer plans. And while you can move traditional IRA money back into a 401(k) later, curiously, you can't do the same with Roth IRA funds.The fourth option – cashing out – should generally be your last resort. Between regular income taxes and the 10% early withdrawal penalty, you could easily lose 25-30% of your money immediately. Imagine cashing out $50,000 while earning $75,000 – suddenly your taxable income jumps to $125,000, creating a potential tax nightmare!When deciding what to do with your old retirement accounts, consider fees, investment options, whether you might need to access the money through loans, and the mental clarity that comes from consolidation. Don't become part of that $1.3 trillion in forgotten funds! Review your accounts annually, maintain your online access, and ensure your hard-earned retirement savings keep working for your future. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

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

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Charlie and Peter shake things up by pressing pause on their usual market commentary to instead discuss 10 important life lessons from Peter Mallouk. Plus, discover how you can see Peter and Charlie live by attending a CONNECT25 event near you.

In this episode of The Scott Show, Scott sits down with Henry Yoshida, founder of Rocket Dollar and now head of Retired.com, to talk about the massive wave of innovation coming to the $18 trillion retirement market. From launching Rocket Dollar to help everyday investors use their IRAs to invest in real estate, startups, and crypto — to now running Retired.com with a vision for a fully self-directed retirement future — Henry breaks down how we're on the verge of a generational unlock in private market access. Scott and Henry dive deep into the rise of private equity for retail investors, the shrinking public markets, and why the 401(k)-only model is bleeding out. Bonus: Scott unpacks the implications of Robinhood's tokenized stock announcement and Republic's tokenized forward contract product “Mirrors”, and debate whether tokenization is a feature or the product. What You'll Learn: - Why your IRA is the smartest way to invest in alternatives - How Rocket Dollar lets you deploy dormant dollars into private equity, real estate, and crypto - What Robinhood's tokenized stock move really means - Why Republic's “Mirror” might be the most innovative product in fintech right now - The real future of tokenization: stablecoin rails, 24/7 trading, and AI-powered portfolios. Support the show by creating a free account at Kingscrowd.com Follow Henry at Retired.com Follow Scott on IG/Twitter @Kitun

On this episode of Your Retirement Radio Podcast, Kevin discusses the challenges and strategies associated with early retirement planning. He emphasizes the importance of considering longevity, healthcare costs, and the need for a diversified investment strategy that includes both guaranteed income and market-based investments. The discussion also covers the limitations of relying solely on 401(k) plans and the necessity of creating a comprehensive retirement roadmap to ensure financial security in retirement. 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.

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about what she likes and dislikes about President Trump’s tax bill, the market reaction to what’s in the bill, the weakness in housing and jobs data, and why now is a perfect time to reevaluate your 401(k). Terry also answers all of your financial questions.

Retirement planning can get complicated when spouses don't share the same timeline—or when most of your wealth is concentrated in a single retirement account. In this episode, we tackle two scenarios many people face: ✅ When spouses disagree on retirement timing ✅ Relying heavily on your 401(k)   Check Out Part 1 On You're Not Dead Yet: https://youtu.be/8HfzeucrsV0  Take control of your financial future: https://www.btwealthshow.com/start-planning Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.  Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.  Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.  All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

In this conversation, Jim and Glenn Yaney discuss the journey to financial independence through real estate and the Infinite Banking Concept. Glenn shares how he moved beyond conventional financial advice, took control of his capital, and built sustainable wealth with cash-flowing assets. His story is a direct challenge to the status quo—and a blueprint for ownership. 3 Key Takeaways: Traditional advice doesn't build freedom: Years of 401(k) contributions left Glenn with illiquid assets. It was business and real estate ownership that created true independence. The cost of inaction is control: Glenn used tax strategies to move capital out of retirement accounts and into mobile home parks and apartments—multiplying income and gaining access. Proximity is leverage: By surrounding himself with people who were already financially free, Glenn accelerated his learning and took confident action toward breaking away from his W-2. Glenn Yaney didn't wait—he took control, broke from the herd, and built real freedom through ownership and cash flow. If you're still following the conventional path, ask yourself: is it really working? It's time to think different. It's time to own your future. Connect with Glenn Yaney: Podcast: https://podcasts.apple.com/us/podcast/the-millionaire-journey-podcast/id1728886342 Website: www.verticalequityproperties.com/

In this episode of Success In The New Retirement, Damon Roberts and Matt Deaton discuss the current state of 401(k) accounts, the impact of market volatility on retirement portfolios, and the importance of having a solid financial plan. They emphasize the need for effective risk management and the emotional aspects of investing, particularly during turbulent times. The conversation also covers what new clients can expect during their initial consultation with Acute Wealth Advisors, highlighting the importance of understanding one's financial situation and the potential pitfalls of common investment strategies. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

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.

Why Your 401K Target Date Fund Could Be Sabotaging Your Retirement: A Financial Advisor's Guide to Better Planning Are you one of the millions of Americans unknowingly putting your retirement […] The post Why Your 401K Target Date Fund Could Be Sabotaging Your Retirement appeared first on Dupree Financial.

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.

On this episode: Don’t be Bad Santa when sending money and assets to your children. The upside and downside of living into your 90s. A down stock market isn’t your only enemy in retirement. 4 trillion dollars are in these funds in 401(k)s and maybe they shouldn’t be. 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.

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)?

In a recent BlackRock survey of registered voters, more than 75% of retirees said they wished they had saved more money for retirement. And with the recent passage of the SECURE 2.0 Act now in effect, opening up new opportunities for savers, investors are considering how to save and build wealth for the future. Shoring up emergency savings is protective of retirement savings, according to research by The BlackRock Foundation. So how can investors ensure they're pulling all the levers at their disposal to retire on their own terms?Rob Crothers, Head of U.S. Retirement for BlackRock, will discuss the current state of the retirement landscape and help us unpack a toolkit for retirement savers that's been proposed by the Bipartisan Policy Center and how investors and employers can plan for the future.Key moments in this episode:00:00 Introduction: The Importance of Saving for Retirement00:17 Exploring the SECURE 2.0 Act and Retirement Universals02:01 Current Retirement Landscape and Policy Changes04:06 BlackRock's D.C. Retirement Summit and Key Recommendations06:28 Mechanisms for Better Saving Behavior11:40 Encouraging Early Financial Education14:24 Market Volatility and Long-Term Saving Strategies16:50 Actionable Retirement Considerations18:18 Conclusion and Upcoming TopicsCheck out this playlist on investing for retirement here: https://open.spotify.com/playlist/08Fx1iZaBwLclqpswIbjUq

Small businesses offering 401(k) plans see 40% lower employee turnover in the first year, yet only 10% receive benefits guidance from their accountants. Justin Kurn explains how Dark Horse CPAs identifies the right triggers, such as growing staff or high turnover, to initiate benefits conversations. Meanwhile, Julia Miller from Gusto breaks down how accountants can help clients navigate the cost and complexity of offering health insurance, retirement plans, and other benefits. The conversation reveals how positioning yourself as a benefits advisor can double or triple your fees while helping clients attract better talent and reduce costly employee churn.Learn more about Gusto https://gusto.com/product/benefitsChapters(00:56) - Meet Our Guests (01:26) - The Growth Story: Dark Horse CPAs' Success (02:04) - Advisory First Approach: Transforming Client Relationships (03:38) - Gusto's Role in Benefits: An Overview (07:37) - Challenges and Solutions: Small Businesses Offering Benefits (10:25) - The Cost and Complexity of Benefits: Breaking It Down (15:00) - Advisory Conversations: Identifying Client Needs (19:23) - Gusto's Support for Accountants: Tools and Resources (25:43) - Affordability and Competitive Advantage (26:40) - Partnering with Gusto for Benefits (28:19) - Gusto's Software Solutions (29:12) - Client Experiences with Gusto (29:52) - Gusto's User-Friendly Platform (39:10) - Implementation and Timeline (47:42) - Increasing Revenue through Advisory Services (49:52) - Conclusion and Final Thoughts Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appConnect with Our Guests:Julia MillerLinkedIn: https://www.linkedin.com/in/julia-g-millerJustin KurnLinkedIn: https://www.linkedin.com/in/justinkurnWebsite: https://darkhorse.cpa/justin-kurn-cro/Connect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

Net Unrealized Appreciation: If you own company stock in your 401(k), this episode could potentially save you thousands in taxes. Jeremiah and Nic uncover the little-known but incredibly powerful NUA tax strategy. Through a real-world client example, you'll learn how someone turned a $16,000 stock cost basis into a $98,000 gain—and avoided paying ordinary income tax on the entire amount. But this isn't just a story of smart tax planning—it's a roadmap for anyone nearing retirement with company stock in their 401(k). From tracking your cost basis to understanding when NUA makes sense (and when it doesn't), the guys give you the knowledge you need to ask the right questions and avoid costly mistakes.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

Watch & Subscribe on YouTubeAre you blindly trusting your 401k to secure your financial future? You might be making a costly mistake.In this eye-opening episode of Wealthy Wellthy podcast, we dive deep into her wealth of experience in personal finance and investing, and offers a fresh perspective on building long-term wealth beyond traditional corporate retirement accounts.The main focus of this episode is debunking the myth that maxing out your 401k is the best path to a comfortable retirement. Krisstina explains why "matching, not maxing" your 401k contributions and diversifying your investments can lead to greater financial freedom. Krisstina emphasizes the importance of having control over your money and being an active, knowledgeable investor to maximize returns.Throughout the conversation, we dive into topics such as the limitations of government-controlled retirement accounts, the benefits of real estate investing, and the crucial difference between financial security and financial freedom. They also touch on the value of financial literacy and the need to calculate your specific retirement needs.Ready to take control of your financial future and explore investment strategies beyond your 401k? Listen to this episode of Wealthy Wellthy for actionable insights that could transform your approach to retirement planning and wealth building.Key Takeaways5:05 History of pensions and retirement plans10:52 Limitations and drawbacks of 401k plans16:46 Risks of relying solely on 401ks22:17 Match don't max: 401k investment strategy28:42 Options for investing outside 401ks34:24 Comparing different investment vehicles 40:48 Strategies for building wealth long-termMemorable Quotes"Retirement plans are based on a history that's not applicable today. We want to live to 100, maybe more. But these plans are not set up to live to 100, which means if we just rely on traditional retirement plans, it's very likely that we'll run out of money.""Match, don't max because you just want to take advantage of what the company is matching. But we don't want to max out everything that we can put into these types of programs.""To really build wealth and to build it powerfully, you might say, 'Hey, there's my neighbor. The estate wants to dump this property really fast. I can get a great deal on this house.' But wait, I can't touch that retirement income to take advantage of this opportunity."Resources Mentioned Vanguard (for index funds) - https://investor.vanguard.com/Connect with KrisstinaWebsite - https://wealthywellthy.life/Instagram - https://www.instagram.com/krisstinawiseYouTube - https://www.youtube.com/@krisstinawiseKrisstina's Book, Falling For Money - https://www.amazon.com/dp/0692560904/

 If you're changing jobs or heading into retirement, you might be wondering whether to roll over your 401(k). In this episode, Miguel Gonzalez breaks down the pros, cons, and key factors to consider before making a move. 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.#401kRollover #RetirementPlanning #FinancialAdvice #RollOverIRA #InvestmentOptions #CortburgAdvisors #SmartMoneyMoves #TaxDeferred #FinancialWellness #IRAPlanning #RetirementSavings #JobChangeFinance #MoneyTips #WealthBuilding #FinancialGoals #DirectRollover #AvoidTaxes #RetirementOptions #MoneyManagement #RetirementStrategyWelcome 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

Special Guest: Lisa Gomez Big changes are coming to your 401(k) and workplace retirement plans in 2025 — are you ready for them? In this new episode, the Friends Talk Money team sits down with retirement policy expert Lisa Gomez (former Assistant Secretary of Labor for Employee Benefits Security) to unpack what's changing and how it could affect your money. We're covering: How catch-up contributions are getting a big boost for people aged 60-63 Why Roth 401(k)s are becoming a bigger deal — especially for higher earners The growing trend of adding private market and crypto investments inside retirement plans (should you be excited or concerned?) New guaranteed lifetime income options and what they mean for your future paychecks in retirement Lisa Gomez, who oversaw over 800,000 workplace retirement plans as head of the Employee Benefits Security Administration, shares expert insights on how these changes impact your retirement readiness, the pros and cons of more investment choices, and the crucial role of professional advice.If you're saving for retirement, planning your exit, or already retired, this conversation is for you. Listen now to learn: How to make the most of new catch-up contribution rules What “Rothification” means for your taxes and withdrawals The pros and cons of adding alternative investments to your 401(k) Smart questions to ask your employer or financial advisor

Are you tired of traditional savings accounts that don't seem to get you anywhere?Today, Russ and Joey welcome Chris Miles of Money Ripples to discuss the powerful synergy between infinite banking and passive income. Chris shares how his journey from traditional financial advising to alternative investments transformed his financial outlook, revealing the strategies that helped him retire early and build lasting wealth.The trio also discusses the pitfalls of relying solely on savings accounts and emphasizes the importance of using whole life insurance as a tool for wealth building.If you've ever wondered how to truly escape the Wall Street rat race and start generating passive income that works for you, this episode is a must-listen.Top three things you will learn:-How infinite banking can be used to create long-term wealth-Why traditional savings accounts fall short in building financial freedom-Insights on leveraging real estate and lending for passive incomeDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.Book Your Free Passive Income Game Plan Session:-https://wealthwithoutwallstreet.com/freecallInvest Like a Billionaire Podcast:-https://thebillionairepodcast.com/Want to raise millionaire kids? Watch how Sharran Srivatsaa — former Goldman Sachs banker turned entrepreneur and investor — is building a generational wealth system with his kids, step-by-step.-https://go.wealthwithoutwallstreet.com/millionaire-kidsTurn Active Income Into Passive Income:-https://wealthwithoutwallstreet.com/piosKnow Your Investor DNA:-https://wealthwithoutwallstreet.com/investordnaHow to Buy Online Businesses for Profit with Sophie Howard:-https://wealthwithoutwallstreet.com/freedomnavigatorCreate a Six-Figure Side Hustle in Peer-to-Peer Car-Sharing:-https://wealthwithoutwallstreet.com/carsWealth Without Wall Street New Book:-https://wealthwithoutwallstreet.com/newbookIBC Webinar:-https://wealthwithoutwallstreet.com/ibcJoin Our Next Inner Circle Live Event:-

Ready to get started? Book a call with one of our IRA specialists!: https://directedira.com/appointment/If you've got an old 401(k) or IRA collecting dust, it's time to take control. In this episode, we explain how to move your account into a self-directed IRA—without triggering taxes or penalties—and why it matters. You'll learn what you can invest in, from real estate to startups, and how to avoid costly mistakes. We also share real examples and walk you through the steps to get started. Don't let your retirement account sit idle—put it to work.00:00:10 – Why Your Old 401(k) or Sleepy IRA Needs Attention00:02:04 – Understanding the Power of Self-Directed IRAs00:03:17 – Common Myths and Misconceptions00:04:37 – What You Can Invest In with a Self-Directed IRA00:05:13 – How to Move Your IRA Without Tax or Penalty00:08:50 – Real Investment Examples: Real Estate, Crypto, and More00:17:00 – Prohibited Transactions and Restrictions00:20:32 – How to Get Started with Directed IRALearn how to take control of your retirement - https://directedira.com/Shop my products - https://shop.matsorensen.com/ Blog & Articles - https://matsorensen.com/blog/Connect with Mat online:Instagram: https://www.instagram.com/matsorensen/Facebook: https://www.facebook.com/mat.sorensen.1LinkedIn: https://www.linkedin.com/in/matsorensen/TikTok: https://www.tiktok.com/@sorensenmat YouTube: https://www.youtube.com/@MatSorensenWebsites:https://directedira.comhttps://matsorensen.comhttps://kkoslawyers.comhttps://mainstreetbusiness.com

I'm sticking with answering your questions about the invisible work we do. And today is all about the Sunday Basket®. I didn't yet have a name for it. But I'll never forget the sense of accomplishment from the first time I tried my idea out that became the Sunday Basket®. In 2012, Joey went down for his normal 20 min nap, and I, Lisa Woodruff, actually got a few calls made and checked a few things off my list. The more I did it the more I realized this was something all household managers needed. And now I had a plan to get control of my to do's and paper.  Organization is a learnable skill. Delayed gratification = Productivity The Sunday Basket® is a box on your kitchen counter to “collect all”. On Sunday, you make decisions. One person asked “How do you know what to do first?” Reality check: you are not going to get all your to-do's done. We are all overcommitted. When I go through my Sunday Basket®, it's really a process of elimination; what is the least I can get away with doing.  When you only take care of the things necessary, you free up time for you. And this is why we use note cards! You don't need to do the busy work of rewriting your to-do list, you just decide if each thing on each note card needs to be done by next Sunday or not and you put it right back in it's slash pocket if not.  One person noted they spend all their time going through slash pockets and recreating their to-do list. I remember being worried, “What was I going to do when I completed my Sunday Basket®?” It's important to know what you are freeing up time to do. How would you feel actually completing one of those tasks each week? Then two each week? Then what's that big reward? Will you get more time with your family? Continue your education? Plan what you will do with all that extra time.  Sunday Basket® for now and later A Sunday Basket® can be utilized in many ways. I answered one question about using it for finances. You can have a whole Sunday Basket for finances where you track and plan your 401K, Investments, and projects or large ticket items that you are planning to purchase. I use my household manager one for monthly tasks including bills. I have a separate one for larger financial planning. Another person inquired about all the tips she's saved and if putting them in her Sunday Basket® was a good idea. If it's tips or instructions for something difficult to find each time you need to do it, print it off and place them in your Household Operations Binder. And/Or, you could have a whole Sunday Basket® devoted to projects, book tours, getting your PhD, recipes, and life hacks for “someday.” I recommend pink because that's the color for you, the future, and dreaming. The Sunday Basket® is a great place to store ideas and you will know where to find them later.  Then when you have the time from only doing necessary tasks, you have time for something that doesn't need to be done but that you have been wanting to do. We have the Sunday Basket® for your household manager role. And there is the Friday Workbox for work. They both help in similar manners but the slash pockets have slightly different functions. We offer bundles to help you make the most out of you purchase to maximize your organization and productivity results.  If you really don't know where to start, you won't break customer service's heart to call and they'll shop with you. They love to hear what you are working on and suggest the perfect products for you and the phase of life you are in.  EPISODE RESOURCES: The Sunday Basket® Friday Workbox® Sign Up for the Organize 365® Newsletter  Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media!

I don't mean to be an alarmist, but if you are an employee for a company, you will be replace in the not to distant future.     A.I. is more cost-effective.    It doesn't complain, need a salary.   Take vacations.    Ask for raises.    Need sick days.   401K and retirement.    The best thing you can do is to become an entrepreneur.   If you don't own or control the tech, it's going to own you.    Get on the front side of this before it is completely here.    You have maybe 5 good years doing whatever it is you're doing and don't think for a moment we won't figure out how to do some amazing things and replace 90% of the jobs in the world these days.    The best advice I can give you is to find something that's not sexy.   Something that's going to be needed.    Start a company around that.   Build the tech.   Be the best at it.    You've got 5 months!    About the ReWire Podcast   The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at ⁠https://www.jointheapex.com/⁠   Rise Above