WCI #411: 401(k)s, IRAs, 403(b)s, and other Retirement Account Questions
Mar 20, 2025
Dive into the world of retirement accounts, exploring the ins and outs of rolling over 401(k)s into IRAs and navigating 403(b) transitions. Discover strategies for rebalancing portfolios while addressing the nuances of non-discrimination testing for business owners. The discussion brings to light effective withdrawal strategies, emphasizing risk tolerance and the pitfalls of overly conservative approaches. Political factors and their impacts on financial planning take center stage, while listeners receive practical advice on managing taxable accounts and student loans.
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question_answer ANECDOTE
Conference Success Stories
A couple paid off $94,000 in student loans in one year after attending the White Coat Investor conference.
Others achieved significant financial milestones, inspiring potential for similar success.
insights INSIGHT
Withdrawal Rates
A 4% withdrawal rate is generally safe, while 3-3.5% is almost bulletproof historically.
Excessively low withdrawal rates are unnecessary for most.
volunteer_activism ADVICE
Diversification
Diversify your investment portfolio beyond just the S&P 500.
Consider a total stock market fund for broader market exposure.
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Today we are tackling your questions about retirement accounts. We talk about rolling a 401(k) into and IRA after changing jobs, how to do a 403(b) rollover, and how to pass non discrimination testing for your 401(k) as business owners. We answer a question about rebalancing your portfolio and cover some taxable account questions as well.
Today’s episode is brought to you by SoFi, helping medical professionals like us bank, borrow, and invest to achieve financial wellness. SoFi offers savings accounts, as well as an investment platform, financial planning, and student loan refinancing… featuring an exclusive rate discount for med professionals and $100/month payments for residents. Check out all that SoFi offers at https://www.whitecoatinvestor.com/Sofi *Loans originated by SoFi Bank, N.A., NMLS 696891. Advisory services by SoFi Wealth LLC. The brokerage product is offered by SoFi Securities LLC, Member FINRA/SIPC. Investing comes with risk including risk of loss. Additional terms and conditions may apply.
The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you!
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