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Inside The Plan With The 401(k) Brothers

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by Bill Bush and Andy Bush

4.6(7 reviews)

93 episodes

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Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins. Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810

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Recent Episodes

May 26, 2026

Headlines, Robots & NAPA: Why Saving Behavior Still Wins

Bill and Andy Bush are fresh off the 2026 NAPA Summit in Tampa and dive into two headlines pulling retirement savers in opposite directions. On one side, Elon Musk says AI and robotics will make squirreling money away for retirement unnecessary within 10 to 20 years. On the other, a new Trump IRA executive order aims to close the coverage gap for the roughly 56 million workers without an employer-sponsored plan — including a 50% Savers Match on the first $2,000 contributed. The brothers weigh the assumptions behind the "abundance" thesis, revisit Social Security's 2033 trust-fund cliff, and remind listeners that access doesn't create retirement success — behavior does. They wrap with takeaways from NAPA, including Andy's technology panel, the rebrand of Retirement Plan University into "401(k)eso," and the industry's pivot from in-plan lifetime income to AI and longevity planning. <h2><a name="episode-timeline-key-topics" id= "episode-timeline-key-topics"></a>⏱ Episode Timeline & Key Topics</h2> 00:00 – Welcome & NAPA Recap Setup Bill and Andy open the show fresh off the NAPA Summit in Tampa — more than 1,500 advisors and 3,000 total attendees at the industry's largest retirement-focused gathering. 00:27 – Elon Musk's "Don't Save for Retirement" Quote Musk is quoted saying don't worry about squirreling money away for retirement in 10 or 20 years — it won't matter. The brothers unpack why that headline rattled the retirement industry. 01:22 – Saving as a Behavior, Not a Bet Andy frames saving as a behavior tied to a financial plan — your "North Star." You might drift, but the plan keeps you heading in the right direction regardless of headlines. 02:11 – The Abundance Thesis and Its Big Assumptions Bill walks through Musk's logic: robots replace labor, productivity surges, costs collapse, goods and services get cheap, and a government income arm fills the gap. 02:54 – Will Cheaper Tech Translate to Cheaper Living? Andy questions whether AI-driven cost reductions will actually reach essentials like food and healthcare — and whether any resulting abundance would be evenly distributed. 04:21 – Exponential Innovation and the 2025 Autonomous-Car Prediction A flashback to a 2015 conference forecast that most drivers would be hands-off by 2025 — a reminder that transformative-tech timelines are usually optimistic. 05:47 – Healthcare, Longevity, and Costs That Don't Disappear Even in a high-productivity future, aging, long-term care, and healthcare costs still require dedicated planning. Tech doesn't repeal longevity risk. 06:07 – Robotics in the Home and Long-Term Care Andy sees real promise in robotics for elder care — lifting fallen seniors, supporting daily tasks — but notes cost and functionality are still well short of household-ready. 07:23 – Don't Stop Saving Because of a Headline Even if Musk is directionally right, the timeline is uncertain. The takeaway: don't pivot your plan based on a soundbite. And don't stop believing. 07:50 – The Trump IRA Executive Order Bill introduces the newly announced Trump IRA, designed to close the coverage gap for the roughly 56 million workers without an employer-sponsored plan. 08:36 – The Savers Match and What It Means A 50% match on the first $2,000 contributed — effectively a reworked Saver's Credit — that meaningfully boosts savings for lower-income workers. Effective in 2027. 09:30 – Social Security's 2033 Trust Fund Cliff If nothing is done, the Social Security Trust Fund is projected to be depleted by 2033, triggering a potential 25% benefit reduction — a bigger hit for lower-income retirees who rely on it most. 10:34 – Access vs. Behavior: What Actually Drives Outcomes Improved access is helpful, but without auto-enrollment or behavioral nudges, retirement success still hinges on participant behavior. Behavior is the lever. 12:46 – NAPA Recap: Andy's Technology Panel Andy shares his experience on a four-advisor panel covering whether technology engages or distracts plan participants and sponsors, and what successful practices are doing differently. 13:54 – 401(k)eso: From Retirement Plan University to a Memorable Brand The story behind rebranding their plan-sponsor education program as "401(k)eso" — born at a Mexican restaurant in Baton Rouge and met with applause at NAPA. 15:25 – AI, Longevity, and Standout NAPA Sessions Bill highlights practical AI sessions for advisor practices and John Hancock's health-versus-wealth longevity discussion as the standouts of the conference. 16:17 – From Lifetime Income to AI: Where the Industry Is Focused Industry attention has shifted from in-plan lifetime income solutions to AI — but the underlying question of making money last a long life still drives every planning conversation. 17:08 – Wrap-Up & How to Reach the 401(k) Brothers Bill and Andy close with contact info — and a reminder that they're brothers, but not twins. <h2><a name="key-takeaways-quick-reference" id= "key-takeaways-quick-reference"></a>✅ Key Takeaways Quick Reference</h2> <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Don't change your plan based on a headline — anchor saving behavior to your financial plan, not the news cycle</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Saving is a behavior, not a forecast — you can't control productivity curves or policy reform, but you can control how consistently you save</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Abundance, if it comes, won't be evenly distributed — historical productivity gains haven't translated to evenly shared wealth</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Healthcare and longevity costs don't go away — long-term care, medical, and aging-related expenses still demand dedicated planning</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Social Security reform is the front-burner issue — trust fund projected depleted by 2033, with a potential 25% benefit cut if nothing changes</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> The Trump IRA closes a real coverage gap — ~56 million workers without employer plans, paired with a 50% Savers Match on the first $2,000 (effective 2027)</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Access alone doesn't create retirement success — without auto-enrollment or strong behavioral nudges, participation still depends on the saver</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> AI is the industry's new center of gravity — expect it to reshape advice delivery, plan administration, and participant engagement</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Make education memorable — "401(k)eso" works because branding and delivery matter; meet people where they are</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Plan as if you'll live to 90 or beyond — you don't know when the last grain of sand drops; fund a long life, not an average one</li> </ul> <h2><a name="contact-the-401k-brothers" id= "contact-the-401k-brothers"></a>📌 Contact the 401(k) Brothers</h2> <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Bill Bush: bbush@horizonfg.com</li> <li class="MsoNormal" style="mso-list: l0 level1 lfo1;"> Andy Bush: abush@horizonfg.com</li> </ul> <h2><a name="closing-disclaimer" id="closing-disclaimer"></a>📌 Closing Disclaimer</h2> The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisors, LLC. They should not be considered specific advice or recommendations for any individual. Neither Cetera Advisors, LLC nor any of its representatives may give legal or tax advice. Pete Bush, Bill Bush, and Andy Bush are registered representatives offering securities and advisory services offered through Cetera Advisors, LLC. Member FINRA/SIPC, a broker-dealer and registered investment advisor. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810.

March 11, 2026

Retirement Rules You Didn't Know You Needed to Know

Bill and Andy Bush dive into the retirement plan rules that trip up participants most often—from the Rule of 55 and IRS 72(T) distributions to SIMPLE IRA rollover restrictions, in-service distribution provisions, and the nuances of RMDs under SECURE 2.0. The brothers break down each rule with real-world examples pulled from recent client calls, covering when you can access your 401(k) penalty-free, why rolling into an IRA can cost you flexibility, how beneficiary rules changed under the 10-year distribution window, and what early withdrawal exceptions (including QDROs and disaster provisions) actually look like in practice. Whether you're planning ahead or reacting to a life event, this episode is a practical field guide to the rules that govern your retirement dollars. <h2>⏱ Episode Timeline & Key Topics</h2> 00:00 – Welcome & Episode Setup Bill opens with a Spicoli quote from Fast Times at Ridgemont High and sets up the theme: retirement plan rules you may or may not have known about. 00:53 – The Rule of 55 If you leave your employer at age 55 or older, you can take distributions from that employer's 401(k) without the 10% early withdrawal penalty: · Must be the plan at the employer you separated from · Taxable, but no penalty · Rolling into an IRA eliminates the Rule of 55 protection 02:12 – IRS Rule 72(T): Substantially Equal Periodic Payments Starting at age 55, you can take early distributions from IRAs or 401(k)s using the 72(T) rule: · Payments must be substantially equal · Must continue for five years or until age 59½, whichever is longer · Andy shares a real client example of someone who used 72(T) after early job loss 03:30 – SIMPLE IRA Two-Year Rule SIMPLE IRAs carry a unique two-year restriction from the date of your first contribution: · Distributions or rollovers within two years trigger a 25% penalty (not the usual 10%) · Rolling funds into a SIMPLE IRA from a 401(k) or other source also requires the two-year window to pass · SECURE Act expanded allowable rollover sources, but the timing restriction remains 05:31 – Roth Five-Year Rules Roth IRA contributions can be withdrawn at any time tax- and penalty-free, but earnings have their own rules: · Earnings require the account to be open for five years and you must be 59½ or older · The five-year clock starts with your first Roth IRA deposit 06:43 – In-Service Distributions from 401(k) Plans You can take distributions while still employed, but the rules are plan-specific: · IRS default age is 59½, but your plan document can set a different age (examples: age 40, age 55) · Common reason: rolling funds to an IRA for income planning options not available inside the 401(k) · Building a retirement "income floor" can increase confidence and even lead to more spending in retirement 09:57 – In-Service Strategy: Roth IRA Consolidation Participants who already have a Roth IRA on the outside can roll Roth 401(k) funds into it via in-service distribution, consolidating accounts and keeping the five-year clock running. 10:20 – Required Minimum Distributions (RMDs) RMD ages under SECURE 2.0: · Born before 1960: RMD begins at 73 · Born after 1960: RMD begins at 75 · Still working and contributing? No RMD from your current plan (unless 5%+ owner) · Old 401(k)s from prior employers still require RMDs · IRA RMDs can be aggregated—take from one account to satisfy the total · 401(k) RMDs must be taken individually from each plan · The "Andy Bush Hack": roll old accounts into your active plan to defer RMDs 14:07 – Beneficiary / Inherited Account Rules Non-spousal inherited accounts changed significantly under SECURE 2.0: · Old rule: stretch over beneficiary's lifetime or take within 5 years · New rule: all funds must be distributed within 10 years · If deceased was already taking RMDs, beneficiary must continue annual distributions · Strategy: increase your own 401(k) contributions and offset with inherited account distributions 16:35 – Early Withdrawal Exceptions Several exceptions allow penalty-free early access to retirement funds: · Medical expenses exceeding a threshold · Disability · QDROs (Qualified Domestic Relations Orders) for divorce · Federally declared disaster provisions · Hardship withdrawals (still subject to 10% penalty if under 59½) 18:15 – Check Your Summary Plan Description (SPD) Every provision discussed is plan-specific: · Ask your HR or plan sponsor for the SPD · Documents are being updated as SECURE 2.0 provisions phase in · Your SPD is the definitive source for what your plan allows <h2>✅ Key Rules Quick Reference</h2> · Rule of 55 – Penalty-free 401(k) distributions if you leave your employer at 55+; lost if rolled to an IRA · 72(T) – Substantially equal periodic payments from IRAs/401(k)s starting at 55; must last 5 years or until 59½ · SIMPLE IRA Two-Year Rule – 25% penalty on distributions or rollovers within two years of first contribution · Roth Five-Year Rule – Contributions out anytime; earnings require 5 years + age 59½ · In-Service Distributions – Available while still working; age set by plan document (default 59½) · RMDs – Age 73 (born before 1960) or 75 (born after 1960); still-working exception for current plan only · 10-Year Inherited Account Rule – Non-spousal beneficiaries must empty inherited accounts within 10 years · QDROs – Court-ordered retirement account splits in divorce; rollover is tax- and penalty-free · Disaster Provisions – SECURE Act allows automatic early access in federally declared disaster areas 19:49 – Closing & How to Reach the Brothers Bill and Andy wrap up with a reminder that every situation is nuanced—reach out with questions. · Bill Bush: bbush@horizonfg.com · Andy Bush: abush@horizonfg.com <h2>📌 Closing Disclaimer</h2> The views depicted in this material are for information purposes only and are not necessarily those of Cetera Advisors, LLC. They should not be considered specific advice or recommendations for any individual. Neither Cetera Advisors, LLC nor any of its representatives may give legal or tax advice. Pete Bush, Bill Bush, and Andy Bush are registered representatives offering securities and advisory services offered through Cetera Advisors, LLC. Member FINRA/SIPC, a broker-dealer and registered investment advisor. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810.

January 27, 2026

High Earners, Catch-Up Contributions, and Smarter New-Year Moves

As the calendar turns to 2026, Bill and Andy Bush kick off the new year by breaking down key changes affecting higher-income 401(k) participants—most notably the new SECURE 2.0 rules requiring Roth catch-up contributions for certain earners. They unpack who the rules apply to, how they intersect with other income thresholds, and why many six-figure earners still feel behind despite strong incomes. Along the way, the brothers share practical New Year's resolutions that actually move the needle: optimizing (not just maxing) your 401(k), improving tax efficiency, managing emotions, reducing complexity, and defining what "enough" really means so your money supports both your future and your life today. ⏱ Episode Timeline & Key Topics 00:08 – Welcome & Happy New Year Bill and Andy kick off the first episode of 2026, reflecting on the new year and why this episode revisits financial "reset" themes—especially for higher-income participants. 00:45 – Why This Episode Matters Right Now The brothers recap last year's New Year–focused episode and explain why 2026 brings new wrinkles in the 401(k) world that deserve attention. 01:15 – SECURE 2.0 Roth Catch-Up Rule Explained Introduction of the new rule requiring Roth catch-up contributions for certain high earners: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l6 level1 lfo1; tab-stops: list .5in;">Age 50+</li> <li class="MsoNormal" style= "mso-list: l6 level1 lfo1; tab-stops: list .5in;">Prior-year wages of $150,000+</li> <li class="MsoNormal" style= "mso-list: l6 level1 lfo1; tab-stops: list .5in;">Catch-up contributions must be Roth (after-tax)</li> </ul> 02:30 – Who Is (and Isn't) Subject to the Rule Clarification on: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l0 level1 lfo2; tab-stops: list .5in;">W-2 wages (Box 3)</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo2; tab-stops: list .5in;">Why K-1 partners without W-2 income are exempt</li> <li class="MsoNormal" style= "mso-list: l0 level1 lfo2; tab-stops: list .5in;">Catch-ups are still allowed—just not required to be Roth for exempt participants</li> </ul> 03:45 – Implementation Challenges & Plan Decisions Discussion on delayed rollout, transition relief, and why some plans chose to eliminate catch-ups rather than add Roth complexity. 04:10 – Super Catch-Up Contributions (Ages 60–63) Overview of the enhanced "super catch-up": <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l9 level1 lfo3; tab-stops: list .5in;">$11,250 limit for ages 60–63</li> <li class="MsoNormal" style= "mso-list: l9 level1 lfo3; tab-stops: list .5in;">What happens when you turn 64</li> <li class="MsoNormal" style= "mso-list: l9 level1 lfo3; tab-stops: list .5in;">Why planning matters during this short window</li> </ul> 04:55 – Three Different "High Income" Definitions Breaking down commonly confused thresholds: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l5 level1 lfo4; tab-stops: list .5in;">$150,000 (Roth catch-up rule)</li> <li class="MsoNormal" style= "mso-list: l5 level1 lfo4; tab-stops: list .5in;">$160,000 (Highly Compensated Employee testing)</li> <li class="MsoNormal" style= "mso-list: l5 level1 lfo4; tab-stops: list .5in;">$184,500 (Social Security wage base for 2026)</li> </ul> 05:45 – Six-Figure Earners Living Paycheck to Paycheck Why many high earners still feel financially stretched—and how lifestyle expansion plays a major role. 06:45 – Spending vs. Saving: The Real Challenge Why high earners often save well—but still struggle: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l8 level1 lfo5; tab-stops: list .5in;">Lifestyle creep</li> <li class="MsoNormal" style= "mso-list: l8 level1 lfo5; tab-stops: list .5in;">Complex financial lives</li> <li class="MsoNormal" style= "mso-list: l8 level1 lfo5; tab-stops: list .5in;">Income replacement challenges in retirement</li> </ul> 08:15 – Roth Trade-Offs for High Earners Pros and cons of being "forced" into Roth catch-ups: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l7 level1 lfo6; tab-stops: list .5in;">Paying taxes now vs. later</li> <li class="MsoNormal" style= "mso-list: l7 level1 lfo6; tab-stops: list .5in;">Short vs. long runways</li> <li class="MsoNormal" style= "mso-list: l7 level1 lfo6; tab-stops: list .5in;">Impact on retirement income planning</li> </ul> 09:50 – Retirement Tax Planning & IRMAA Considerations How different account types affect: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l2 level1 lfo7; tab-stops: list .5in;">Medicare IRMAA surcharges</li> <li class="MsoNormal" style= "mso-list: l2 level1 lfo7; tab-stops: list .5in;">Taxable income in retirement</li> <li class="MsoNormal" style= "mso-list: l2 level1 lfo7; tab-stops: list .5in;">Withdrawal flexibility</li> </ul> 10:40 – Why HSAs Deserve Special Attention HSAs as one of the most tax-efficient retirement tools—especially for those uncomfortable with Roth catch-ups. 11:30 – Roth vs. Taxable Brokerage Accounts Why Roth accounts offer long-term advantages over taxable investing for money you don't need immediately. 12:30 – Using Roth Assets Strategically Real-world examples: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l3 level1 lfo8; tab-stops: list .5in;">Large one-time expenses in retirement</li> <li class="MsoNormal" style= "mso-list: l3 level1 lfo8; tab-stops: list .5in;">Legacy planning for heirs</li> <li class="MsoNormal" style= "mso-list: l3 level1 lfo8; tab-stops: list .5in;">Flexibility when income spikes matter</li> </ul> <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="2" width="100%" /></div> 🎯 Financial New Year's Resolutions for High Earners 13:30 – Optimize Your 401(k), Don't Just Max It Why alignment matters more than simply hitting contribution limits. 14:30 – "Above the Corn Stalks" Perspective Bill's analogy for stepping back, gaining clarity, and checking direction—not just reacting to day-to-day financial noise. 15:10 – Small Adjustments, Big Impact Using plan tools, reviewing statements, and making incremental changes that compound over time. 15:55 – 1% Improvements vs. Working Longer Why small efficiency gains may—or may not—outperform delaying retirement, depending on your goals. 16:40 – Keep Emotions Out of Investing Why larger account balances amplify emotional reactions—and how long-term discipline matters more than headlines. 17:55 – Time Horizon Is the Anchor Planning for potentially decades-long retirements and staying focused on the "North Star." 18:25 – Reduce Financial Complexity Why consolidating old accounts: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l4 level1 lfo9; tab-stops: list .5in;">Simplifies decision-making</li> <li class="MsoNormal" style= "mso-list: l4 level1 lfo9; tab-stops: list .5in;">Reduces fees</li> <li class="MsoNormal" style= "mso-list: l4 level1 lfo9; tab-stops: list .5in;">Brings peace of mind</li> </ul> 19:50 – Defining "Enough" A candid discussion on shifting goalposts, relationships, and balancing financial ambition with life satisfaction. <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="2" width="100%" /></div> ✅ January Checklist for Participants 21:00 – Review Beneficiaries Especially important after plan recordkeeper changes—designations may not transfer. 21:40 – Update Contribution Elections for 2026 Key limits: <ul style="margin-top: 0in;" type="disc"> <li class="MsoNormal" style= "mso-list: l1 level1 lfo10; tab-stops: list .5in;">Deferral limit: $24,500</li> <li class="MsoNormal" style= "mso-list: l1 level1 lfo10; tab-stops: list .5in;">Catch-up (50+): $8,000</li> <li class="MsoNormal" style= "mso-list: l1 level1 lfo10; tab-stops: list .5in;">Super catch-up (60–63): $11,250</li> <li class="MsoNormal" style= "mso-list: l1 level1 lfo10; tab-stops: list .5in;">Roth catch-up rules for high earners</li> </ul> 22:55 – Review Investment Allocation Confirm your risk level still matches your time horizon and comfort level. 23:30 – Be Intentional About Improvement Progress doesn't require perfection—just purposeful action. 24:00 – New Look, Same Mission Bill and Andy share updates on refreshed podcast artwork and reiterate their commitment to helping participants gain clarity and confidence. 24:30 – Final Thoughts & How to Reach the Brothers High income creates opportunity—but only when paired with intention, planning, and follow-through. <div class="MsoNormal" style="text-align: center;" align="center"> <hr align="center" size="2" width="100%" /></div> 📌 Closing Disclaimer he views depicted in this material are for information purposes only and are not necessarily those of Satara Advisors LLC. They should not be considered specific advice or recommendations for any individual. Neither Satara Advisors LLC nor any of its representatives may give legal or tax advice. Pete Bush, Bill Bush, and Andy Bush are registered representatives offering securities and advisory services offered through Satara Advisors LLC. Member FINRA SIPC, a broker dealer and registered investment advisor. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, Louisiana 70810.

93 total episodes available

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What is Inside The Plan With The 401(k) Brothers?: Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins.

Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810
How often does this podcast release new episodes?: This podcast updates bi-weekly.
Where can I listen to this podcast?: This podcast is available on 9 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: Yes, this podcast regularly features guests.

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