Why Your 401(k) Isn’t Enough - The Ideal Retirement Mix
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Why Your 401(k) Isn’t Enough - The Ideal Retirement Mix
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You're saving for retirement, but are you saving too much into the wrong accounts? Most retirees don't realize this common issue until it's too late.
In this episode, I explain why having all of your retirement savings in pre-tax accounts is major risk and how you can begin to fix things.
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✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers
Email: jacob@rivertreewealth.com
Website: https://www.rivertreewealth.com
LinkedIn: https://www.linkedin.com/in/jacobduke
Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.
DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.
01:00 Early Retirement Access Trap
02:31 Risk One: Future Taxes
04:03 Risk Two: RMD Time Bomb
06:50 Risk Three: Income Control
09:37 Risk Four: Psychological Barriers
11:51 Risk Five: Lack of Flexibility
12:51 Tax Diversification
16:28 How To Fix The Problem
19:12 Conclusion