The Truth About Your 401(k): Maximize Growth, Minimize Taxes

Is your 401(k) working for you—or against you? 😬 In this eye-opening episode of The Future of Finance, hosts Marissa Wood and Lisa Green dive deep into the truth about 401(k) plans, Roth IRAs, and how to better plan for retirement.

If you’ve ever asked:
 ✅ Should I contribute more to my 401(k)?
 ✅ What happens to my 401(k)s when I change jobs?
 ✅ Should I open a Roth IRA too?
 ✅ How do I diversify for tax efficiency?

Then THIS is the episode you need to hear!

🔍 Learn about:

• The history & intent of the 401(k)
• Why too many people rely solely on it
• Roth IRA benefits for tax-free retirement
• What to do with an old 401(k)
• Tax diversification strategies
• SEP IRAs & solo 401(k)s for self-employed

⏱️ Timestamps:

00:00 – Intro to the Episode & Guests
 00:36 – Who this episode is for: working professionals & business owners
 01:26 – Why 401(k)s were created and what went wrong
 03:00 – How 401(k)s became the default retirement plan
 04:09 – Why relying solely on your 401(k) can be risky
 06:00 – Common problems: lack of education, poor fund selection, no reviews
 07:20 – How much should you contribute to your 401(k)?
 08:19 – Qualified vs. Non-qualified investments explained
 09:07 – Where to invest beyond your 401(k)?
 10:08 – What to do with your old 401(k)s when you change jobs
 11:26 – Benefits of rolling over to an IRA
 12:26 – How we help clients consolidate and manage old plans
 14:42 – Why the Roth IRA is your future tax-free best friend
 16:20 – Roth IRA contribution limits and who should open one
 18:28 – IRA, Roth, and non-qualified: understanding account types
 20:18 – The importance of diversification in tax buckets
 21:12 – Roth conversions explained (and when to consider them)
 23:26 – Retirement planning for self-employed individuals
 24:49 – Final thoughts: systematic savings, compound interest, and balance
 25:37 – How to schedule a free consultation with Marissa or Lisa

📞 Ready to take control of your retirement planning?
 Visit 👉 https://www.union-financial.com
 📅 Book a free meeting directly through our calendar!

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