Ready to approach retirement with clarity and confidence? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase discuss how private equity, 401(k) plan developments, and evolving retirement planning trends are shaping today’s investing landscape—helping listeners stay informed and intentional about their long-term financial goals.
• Explore how private equity is being considered for inclusion in 401(k) plans, what this potential change could mean for plan sponsors, participants, and the broader retirement system, and understand how it differs from related categories like private credit and private infrastructure—including key factors to consider when evaluating these alternative investments.
• Hear Wes and Christa respond to listener questions about teaching financial values, communicating about family wealth, and encouraging healthy money discussions at home.
• Discuss the Financial Independence, Retire Early (FIRE) movement, and how reaching certain savings milestones—such as $1 million—can offer flexibility without guaranteeing financial independence or early retirement.
• Consider the reasoning behind more conservative portfolio allocations being discussed in today’s market and how they may relate to broader investment risk and retirement planning themes.
• Review how private equity funds may be structured within 401(k) plans, including their potential advantages, limitations, and regulatory considerations.
• Compare Roth and traditional 401(k) options as Wes and Christa emphasize how employers can foster education and awareness—without directing individual investment decisions.
• Learn how inherited IRAs and 401(k)s, along with community property laws, can affect Required Minimum Distributions (RMDs) and estate planning outcomes.
• Examine how covered call ETFs may function within a diversified portfolio, including the potential trade-offs between income generation and growth opportunities.
This episode offers thoughtful discussions to help listeners stay educated about current financial topics without making predictions or recommendations. **Listen and subscribe to the **Retire Sooner Podcast for ongoing educational conversations that promote understanding, balance, and informed decision-making in your retirement planning journey.
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