The 411 on 401k
Peter Mallouk, Creative Planning 401k
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The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Available episodes
Newest first
Oldest first
Apr 3, 2020
Episode 25 – Divorce: Does It Affect My 401k?
Peter Mallouk and his guest, Kristen Shope, discuss what happens to your retirement plan during a divorce. They review the procedures your retirement plan must complete during divorce settlements and how long the process typically takes. They also cover your options if you receive money from your spouses' retirement plan. Listen in to learn about the effects of divorce on your retirement account and what you might expect.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 24 – Roth vs. Pre-Tax
Peter Mallouk and his guest, Jay Jasnoski, discuss the difference between pre-tax (traditional method) and Roth retirement contributions. They delve into how each approach differs as it relates to taxes and distributions. They also review the potential benefits of Roth contributions, while addressing how to make the best decision for your given circumstance. Listen in as they explore these topics in greater detail.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 23 - Required Minimum Distributions
Peter Mallouk and his guest, Dan Donegan, discuss the parameters of required minimum distributions (RMDs). This includes an in-depth look into when you need to take a required minimum distribution, how much you need to take, and which account you should take it from if you have multiple plans. Discussing your options with a financial advisor and or your CPA is essential to determine how your distributions will affect your taxes. Listen in to learn more about your required minimum distributions options.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 22 – Vesting: What Is A Vesting Schedule
Peter Mallouk and his guest, Mark Pratt, discuss the difference between vested and non-vested assets in your retirement account. Listen in to learn how vesting works and how it may affect you when and if you leave an employer.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 21 – SECURE Act: What It Means For Plan Participants
Peter Mallouk and his guest, Javid Dabestani, discuss the SECURE Act and the key changes to retirement plans that could affect you. Topics include new stretch IRA rules, required minimum distribution changes, and IRA contribution age limit changes. Listen in to see which SECURE Act changes affect you.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 20 – Do It For Me Approach: Managed Models
Peter Mallouk and his guest, Chris Brasher, discuss the different types of investment models available within your retirement plan. The review the difference between a "do-it-for-me" approach and a hands-on approach. They also cover target date funds and why it may not be the best investment strategy for you. Listen in to learn more about why being in the right type of portfolio is important and how to pick the right one for your retirement needs.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 19 – Taking it to the Limit: How Much Should I Contribute?
Peter Mallouk and his guest, Kristen Shope, discuss how much income you should defer into your retirement account. They cover company matches, what your base percentage savings should be, and how to save the IRS maximum allowable amount. Listen in to learn more about setting the right savings goals for your retirement plan.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 18 – Saving for My Child's Future: 529’s vs. Minor Brokerage Accounts (UTMA)
Peter Mallouk and his guest, Don Recker, discuss common options for saving for your child's future. They review Uniform Gift to Minor Accounts (UTMA) and 529 College Savings Plans: focusing on contributions, taxes, and how to decide which account may be best for your situation. Listen in as we explore these topics in greater detail.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 17 – The Magic Number: How Much Money Do I Need to Retire
Peter Mallouk and his guest, Don Recker, discuss how to calculate the amount of money you may need in retirement, also known as your "magic number”. Listen in to find out how to calculate your magic number and what additional factors you may want to consider to give yourself the best odds for maintaining your current lifestyle while in retirement.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 16 – Types of Retirement Accounts: Difference Between 401k/403b & IRA
Peter Mallouk and his guest, Jennifer Vavak, discuss several different types of retirement accounts: 401k/403b and IRA. Peter and Jennifer cover which type of account you should be investing in, how the accounts differ, and when and if you should roll your money from one type of retirement account to another. Listen in to learn more about the differences between these accounts and how they can also work together.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 15 – The 8th Wonder of the World: Compounding
Peter Mallouk and his guest, Micah Lawson, discuss how compounding interest works. They examine how compounding interest works to grow your retirement account balances over time. Listen in to learn how compounding interest benefits you and why saving now helps you in the long run.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 14 – Preparing for Healthcare in Retirement
Peter Mallouk and his guest, Tom Baird, discuss how to prepare for your healthcare needs in retirement. Peter and Tom explore your options for healthcare after you leave employment and what happens once you become eligible for Medicare. Other topics include the cost of your healthcare options, things to consider when choosing COBRA or open market insurance, and what factors to consider when moving to Medicare. Listen in to learn about your healthcare options in retirement and what you should consider when making healthcare decisions.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC2…
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Apr 3, 2020
Episode 13 - Social Security 101: Basics & Maximizing your Benefit
Peter Mallouk and his guest, Christine Condeni, discuss the basic fundamentals of Social Security and whether you should rely on Social Security for retirement. They also review how your eligibility is determined for Social Security, how your benefit is calculated, and when you can start receiving benefits. Listen in to learn more about how Social Security works and why it may be a good decision to delay taking Social Security as long as you can.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 12 - Asset Allocation
Peter Mallouk and his guest, Jennifer Vavak, discuss ways to invest your money to reach your retirement goals. They review factors you should consider when allocating your assets between stocks and bonds, such as risk tolerance and your retirement goals. Listen in to learn how to make the right asset allocation decisions for your retirement plan dollars.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Apr 3, 2020
Episode 11 – Mutual Funds: Passive vs. Active
Peter Mallouk and his guest, Micah Lawson, discuss the difference between passive and active mutual funds, how they stack up against each other, and how the cost for each type of fund may vary and why. Listen in to learn more about active versus passive mutual funds and why we generally prescribe the usage of passive mutual funds.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 30, 2020
Episode 10 - Debt Management
Peter Mallouk and his guest, Beth Hartung, discuss some techniques for managing debt. They review the importance of having a financial plan and creating a budget to pay off your debts and achieve your retirement goals. Listen in to discover how to minimize debt and increase your savings.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 30, 2020
Episode 9 - Creating A Budget
Peter Mallouk and his guest, Jennifer Vavak, discuss how to create a budget to save for your retirement. Even small changes can make a big difference in your success at saving for retirement. Listen in to see how you can find extra money to save for retirement and what you can do to keep your savings growing.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 30, 2020
Episode 8 - Who Gets My Money: The Importance of Listing A Beneficiary
Peter Mallouk and his guest, Don Recker, discuss the importance of designating a beneficiary for your retirement account. They take a look at what happens if you do not name a beneficiary and how this could complicate matters for your loved ones. Listen in to hear more about the importance of designating a beneficiary for your retirement account.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 30, 2020
Episode 7 - Investing 101: Stocks vs. Bonds/Mutual Funds and ETFs
Peter Mallouk and his guest, Mark Pratt, discuss the types of investment options that are likely offered within your retirement plan (stocks, bonds, and mutual funds). They cover why you may not see certain types of investments in your plan. Listen in to learn more about investment options within your retirement plan, and why it's important to be diversified.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 30, 2020
Episode 6 - Utilize Your Resources: Why You Should Discuss Your 401k with an Advisor
Peter Mallouk and his guest, Javid Dabestani, discuss why you should look at your full financial portfolio, not just your retirement account when planning for your retirement. They review which financial pieces may be the best option for of income in retirement and how you should review every aspect of your finances carefully to make sure you are on track to hit your retirement goals. Listen in to learn more about why it is important to look at the big picture for retirement savings.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 23, 2020
Episode 5 – The Pitfalls of Plan Loans
Peter Mallouk and his guest, Dan Donegan, review some potential pitfalls of retirement plan loans. Peter and Dan look at why you should avoid taking a plan loan; they discuss factors such as opportunity cost, the lack of loan flexibility, and what happens to your loan if you leave your company. Listen in to learn more about why you should think twice about taking a retirement plan loan.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 23, 2020
Episode 4 – Money Market Risk
Peter Mallouk and his guest, Chris Brasher, discuss why putting your retirement savings into a money market can have more risk than you may think. They define what a money markets and the "hidden" dangers such as inflation rate risk and purchasing power risk. Listen in to learn more about money markets and why you should think twice before putting your retirement funds into one.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 23, 2020
Episode 3 – The 10% Penalty is Looming: Considerations For Taking An Early Withdrawal
Peter Mallouk and his guest, Dan Donegan, discuss the potential IRS penalties you could incur by withdrawing your retirement funds early. They also cover the tax ramifications you could experience and what options you may have to withdraw money early without facing IRS penalties. Listen in to explore your distribution options if you are under age 59½.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 23, 2020
Episode 2 – 401(k)-Can I Lose it All?
Peter Mallouk and his guest, Chris Brasher, discuss the fear of investing in the market and the question of “can I lose it all." They review why diversification matters and what would have to happen for you to lose all of your retirement savings. Listen in to learn why you should "stay in the game."
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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Mar 20, 2020
Episode 1 – Market Volatility: What To Do In Down Markets
Peter Mallouk and his guest, Don Recker, discuss how market volatility can affect your retirement account and what, if anything, you should do during these times. They address the importance of making decisions based on stock market history versus emotions, and why following your long-term plan is essential. Listen in to find out more about what to do when fear and uncertainty become a factor.
The 411 on 401(k), hosted by Creative Planning President Peter Mallouk and the Creative Planning 401(k) advisory team, is an informed discussion aimed at answering the many questions participants may have about their retirement accounts. Our mission is to educate and inspire people to make better financial choices through knowledge, tools and strategies that ensure a more prosperous future.
Important Creative Planning legal disclosure: http://bit.ly/2DC250b
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