Alternative investments are coming to 401(k) plans for the first time. Is this great news for regular investors or a recipe for disaster?
Andy and Adam debate whether Main Street should get excited about accessing private equity and private credit, or whether these investments will just be expensive versions of what people already have.
Plus, Adam walks through why retirement completely changes your tax situation. When paychecks stop, the entire tax burden shifts back to you. But that actually creates some incredible planning opportunities.
We cover:
- Why alternative investments in 401(k)s could be great or terrible
- The quality problem with mainstream alternative investments
- How retirement shifts your entire tax burden back to you
- The different tax treatments of your retirement account buckets
- Roth conversion strategies when your income drops
- Pairing charitable giving with tax planning moves
- Why the AI trade is back and tariff fatigue has set in
⏱️ Timestamps:
- (00:00) Alternative investments coming to 401(k) plans
- (02:50) The exclusivity problem and quality concerns
- (05:50) Lack of transparency and guardrails in private investments
- (08:30) How retirement changes your entire tax situation
- (10:00) The three buckets of retirement money and tax treatment
- (13:40) Why most people's tax rates drop in retirement
- (15:55) 3 surprises in the tax and retirement planning process
- (17:30) Roth conversion arbitrage in low-income years
- (22:00) Pairing charitable giving with tax moves
- (23:30) What's exciting about the second half of 2025
- (25:30) Why the market didn't react to final tariff announcement
- (28:10) Podcast disclosures
Resources:
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#RetirementPlanning #AlternativeInvestments #TaxPlanning #401k #WealthManagement
The Burney Company is an SEC-registered investment adviser. Burney Wealth Management is a division of the Burney Company. Registration with the SEC or any state securities authority does not imply that Burney Company or any of its principals or employees possesses a particular level of skill or training in the investment advisory business or any other business. This content is for informational and educational purposes only. It is not intended as personalized investment advice or a recommendation.
