Smart 401(k) Moves for Your Final Working Years

Smart Wealth and Retirement

In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions take a close look at your 401(k) options and how to maximize them for retirement success. They break down 2025 contribution limits—including catch-up provisions for those over 50—while comparing employer-sponsored 401(k)s with alternatives like IRAs, SEP IRAs, SIMPLE IRAs, and even ordinary taxable investment accounts. Jim and Casey share real-world stories from clients, highlight common mistakes, and provide practical strategies to help you build a retirement plan that truly works for you.
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00:00 Introduction and Welcome
01:02 Why 401(k)s Are a Cornerstone of Retirement Planning
02:40 2025 Contribution Limits & Catch-Up Provisions
05:10 Employer Matches: Don’t Leave Free Money Behind
07:45 The Roth vs. Traditional Decision
10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans
14:55 Taxable Investment Accounts and Flexibility in Retirement
18:22 Common Mistakes Pre-Retirees Make with Their Savings
21:05 Real-World Stories from Client Experiences
24:50 Putting It All Together: Building a Retirement Savings Strategy
27:33 Closing Thoughts and Next Steps

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