Stop Putting Everything in Your 401k | Brandy Maben

💡Not sure how you should split your savings across taxable, deferred, and tax-free accounts? Get a free portfolio review with Brandy and the team at WindRock Wealth at https://bit.ly/3PT3N53 Windrock Wealth Management's Brandy Maben joins Maggie Lake to talk about a retirement planning mistake she sees all the time: too much money in one bucket. Brandy walks through a real example of a surgeon whose 401k could leave him paying 40% or more in taxes on required minimum distributions, and shares a simple one-third rule for balancing taxable, deferred, and tax-free accounts. She also explains why your highest-growth investments belong in a Roth, and why your 401k could end up becoming a tax burden on your heirs. 💡Get to Know Brandy Maben: Strategic Planning for a Life of Financial Freedom https://youtu.be/ArSNoZKSxwA 💡Join Wealthion’s Real Assets Community for EXCLUSIVE real-assets content and more: www.wealthion.com/getready 💡Protect your wealth with real gold and silver through GBI Direct: https://gbidirect.com/?aff=WTH 💡Attend Rick Rules’ Natural Resource Symposium in Boca Raton this July, click here for in-person and virtual tickets: https://cvent.me/XOqdLa?via=Wealthion 2:10 - The One-Third Rule: Building a Tax-Efficient Retirement Portfolio 3:28 - Why Your Future Tax Bill Could Be Much Bigger Than You Think 7:04 - Matching Investments to the Right Account: Duration and Liquidity 8:40 - ⭐️Wealthion Golden Nugget: Don't Leave Your Heirs a Tax Bomb 10:32 - Diversification Beyond Assets: What Actually Works (And What Doesn't) 12:44 - Stuck With Too Much in Your 401(k)? How to Fix It Without Getting Burned 13:36 - The Liquidity Trap: Why Most People Underestimate What They'll Need 15:13 - It's Never Too Early: Teaching Your Kids the Roth Advantage Connect with us online: Website: https://www.wealthion.com X: https://www.x.com/wealthion Instagram: https://www.instagram.com/wealthionofficial/ LinkedIn: https://www.linkedin.com/company/wealthion/ #Wealthion #Wealth #Finance #Investing #PortfolioReview #InvestmentAdvice #FinancialPlanning #WealthManagement #BrandyCMaben #MaggieLake #401k #RothIRA #RetirementPlanning #TaxStrategy #RetirementAccounts #RothConversion #TaxBrackets #WealthTransfer #EstatePlanning #PersonalFinance #MoneyTips #RetirementIncome ________________________________________________________________________ IMPORTANT NOTE: The information, opinions, and insights expressed by our guests and our hosts do not necessarily reflect the views of Wealthion or the views of their respective employers. They are intended to provide a diverse perspective on the economy, investing, and other relevant topics to enrich your understanding of these complex fields.   While we value and appreciate the insights shared by our esteemed guests and hosts, they are to be viewed as personal opinions and not as investment advice or recommendations from Wealthion or their respective employers. These opinions should not replace your own due diligence or the advice of a professional financial advisor.   We strongly encourage all of our audience members to seek out the guidance of a financial advisor who can provide advice based on your individual circumstances and financial goals. Wealthion has a distinguished network of advisors who are available to guide you on your financial journey. However, should you choose to seek guidance elsewhere, we respect and support your decision to do so.   The world of finance and investment is intricate and diverse. It's our mission at Wealthion to provide you with a variety of insights and perspectives to help you navigate it more effectively. We thank you for your understanding and your trust. Learn more about your ad choices. Visit megaphone.fm/adchoices