The Truth about Retirement Planning with Steve Mallory

Описание: Tax Savings vs. Wealth Design: Retirement Planning, Roth Strategies, and Smarter 401(k) Investing (with Steve Mallory)

Aubree Denekamp (“The Write-Off Queen”) argues that tax strategy creates opportunity but wealth design determines whether savings become lasting assets, noting many clients waste tax savings without a plan. She interviews fiduciary wealth advisor Steve Mallory of URA Group about common retirement mistakes, especially waiting until right before retirement, misunderstanding taxes, RMDs, and account “buckets” (qualified, non-qualified with step-up basis, and Roth). They discuss budgeting and cash-flow needs in retirement, why matching 401(k) contributions matters, and how many people don’t know what their 401(k) is invested in. Steve explains investment-horizon-based risk, issues with target-date funds, potential use of PCRA subaccounts for broader 401(k) investment choices, the difficulty of timing markets, and how pensions and annuities may fit into diversified planning.


00:00 Retirement Money Illusion
00:34 Tax Savings Need Strategy
01:26 Meet the Wealth Advisor
02:26 Retirement Planning Pitfalls
04:11 Lifestyle and Cash Flow
05:30 What to Do With Savings
07:12 Finding the Right Advisor
08:57 How Often to Check In
10:36 When to Start Saving
13:58 401k Contributions Basics
15:59 Investing Inside 401k
18:49 Target Funds vs Indexes
20:28 PCRA 401k Upgrade
21:43 Rollover Mistakes
23:56 Solo 401k Access
25:49 Stop Timing Markets
30:06 Buckets And RMDs
32:54 Annuities And Pensions
34:39 Pension Rollover Strategy
39:15 Final Advice And Wrap

Keywords:
retirement planning, tax strategies, wealth management, investment options, PCRA, 401k, Roth IRA, market volatility, estate planning, financial advisor

Key Topics:
Retirement planning and timing
Tax strategies and investment options
The role of advisors and team collaboration

Sound Bites:
"Real wealth is built in tension."
"Timing the market is a fool's game."
"Start planning early and ask questions."


Steve Mallory Links:
URA Group - ⁠https://uragroupaz.com/steve-mallory/⁠ 
LinkedIn - ⁠  / stevemallory⁠   


Book a call with Aubree:
⁠www.TheWriteOffQueen.com⁠ 
⁠www.AVAccountingServices.com⁠

Acknowledgements:
This podcast was edited and produced by Dolphin Podcasting: ⁠www.DolphinPodcasting.com⁠ 
The intro/outro music was produced by Holden Peyton and is licensed by Dolphin Podcasting, LLC.