Inside The Plan With The 401(k) Brothers

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-...

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...

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....

Episode Summary In this episode of Inside the Plan with the 401(k) Brothers , Bill and Andy Bush explore the emotional side of money decisions. From procrastination and magical thinking to comparison traps and identity shifts, they share personal experiences, client stories, and practical tips to help listeners overcome financial inertia and build confidence in their financial planning. Key Takeaw...

In this episode, the 401(k) Brothers—Bill and Andy—break down why the first year of retirement is so critical. From crafting a solid income plan to navigating emotional shifts, they cover how to avoid early retirement missteps and make the most of your new lifestyle. With practical tips, relatable analogies, and their trademark brotherly banter, they offer a blueprint for launching retirement on t...

🎙️ Episode Summary In this lively and unconventional episode, Brother Bill and Brother Andy explore the emotional and motivational power of music—and how it can help shape your outlook on retirement planning. From walk-up songs to celebratory anthems, they highlight tunes that uplift, energize, and even challenge us to take action. This playlist-inspired episode weaves financial wisdom into famili...

In this episode of Inside the Plan, brothers Bill and Andy Bush explore the often-overlooked questions and concerns that shape a meaningful and financially secure retirement. From maintaining your health and managing family responsibilities to finding purpose and planning for long-term care, they walk through the major life areas that impact retirement income planning. With real-life examples, per...

In this episode of Inside the Plan , the 401(k) Brothers, Bill and Andy Bush, explore the key risks retirees face and the importance of planning ahead to mitigate them. They discuss longevity risk, inflation, healthcare expenses, investment volatility, liquidity concerns, family responsibilities, and public policy changes , providing insights on how to prepare for a secure retirement. Key Takeaway...

In this episode, Bill and Andy Bush discuss the "7 Stages of Financial Well-Being," a concept developed by Money Coaches of Canada. They explore each stage, from financial chaos to financial fulfillment, and provide practical insights into how individuals can move up the financial staircase. With a focus on building confidence and intentionality, this episode is a roadmap for anyone seeking financ...

Episode Summary: In this episode, the 401(k) Brothers reflect on the start of 2025, discussing the importance of decluttering physical and digital spaces, reviewing financial habits, and setting actionable goals for the future. Bill and Andy emphasize the value of behavior over knowledge in achieving financial success, the importance of budgeting, and the benefits of seeking professional guidance....

In this episode, Bill and Andy Bush discuss the differences between Roth and traditional retirement accounts, focusing on their tax implications, contribution limits, and the benefits of Roth accounts. They explore when to consider Roth contributions, the investment growth potential, and the impact of recent legislative changes on Roth accounts. The conversation emphasizes the importance of unders...

Summary: In this episode of Inside the Plan , Bill and Andy Bush (the 401(k) Brothers) share insights from a recent advisor conference in New Orleans, focusing on the challenges that different generations face in saving for retirement. They dive into the financial obligations affecting Millennials, Gen Xers, and Baby Boomers and discuss the importance of establishing emergency savings. The convers...

In this episode, the 401(k) Brothers—Bill and Andy Bush—discuss popular financial rules of thumb and how they may or may not apply to different retirement situations. They tackle everything from when to delay Social Security, avoiding 401(k) loans, the pros and cons of paying down your mortgage early, and more. This conversation is packed with insights that can help you navigate your personal reti...

In this episode of "Inside the Plan with the 401k Brothers," hosts Bill and Andy Bush, from Horizon Retirement Plans, a division of Horizon Financial Group, delve into the topic of savings rates influenced by findings from Vanguard and Fidelity related to participant behavior in retirement plans. They cover vital statistics on savings rates, the impact of inflation on savings behaviors, the benefi...

In this enlightening episode, Bill and Andy Bush of Horizon Retirement Plans delve into the intricacies of planning for retirement, sharing personal anecdotes and professional insights. The brothers discuss expectations versus reality in retirement planning, the impact of health and work dynamics on retirement age, and strategies for ensuring a fulfilling and financially secure retirement. Episode...

In this thought-provoking episode, brothers Bill and Andy Bush of Horizon Retirement Plans share their insights on investment strategies, the value of diverse asset allocation, the underutilized potential of HSAs (Health Savings Accounts), and the link between financial literacy and wellness. The episode, rich with analogies from horse racing and personal anecdotes, guides listeners through a comp...

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss the impact of inflation on household budgets and the psychology of spending and saving. They touch upon various points made by financial writer Morgan Housel, exploring the two ways money can be used: as a tool for a better life or as a yardstick for measuring status.   Episode Highlights...

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss the intersection of behavior, savings, and retirement mindset. They delve into a tool called The Passport® available on the Horizon website, addressing mindsets in various aspects of life, including finances. The conversation is inspired by a piece from Goldman Sachs, exploring optimal mi...

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss a year-end financial checklist to help listeners maximise benefits for the current year and prepare for the next. The discussion includes insights on upcoming changes in contribution limits for 2024 and highlights key considerations for individuals to review in their financial lives befor...

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts provide insight about the contribution limits of 2024 to know what you're getting into for the upcoming year which IRS announce every year around this time.   Episode Highlights: ·          01:04 Discussion on inflation-indexed contribution limits, highlighting that most plans saw an approximate...

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts provide insight into the hosts' their experiences with money and financial responsibility, highlighting the values they learned from their upbringing.   Episode Highlights ·          02:08: Bill and Andy emphasize that nothing was ever handed to them, and they had to go out and earn their own mon...

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss various topics including the hot weather of August, the anticipation of cooler weather, and the upcoming football season. They mention the excitement for college football, particularly focusing on the LSU Tigers and their strong performance last season. Bill and Andy discuss the unpredict...

 The podcast "Inside the Plan with the 401K Brothers" is hosted by Bill and Andy Bush. In this particular episode, they have invited special guests who are young individuals in their early and mid-twenties: Robert Burke, Kaitlyn Williamson, and Savannah Henry. The hosts believe it's important to discuss retirement savings with younger generations and bring fresh perspectives to the topic. They ack...

On today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group, will talk about the distribution phase of retirement. They talk about the 4% rule, i.e., the withdrawal rate that suggests you wouldn't outlive your funds once you retire.   Episode Highlights ·          02:05: Bill and Andy talk about popularly known withdrawal...

In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group are going to introduce the newest member of the Horizon retirement plans, John Lensing..   Episode Highlights ·          01:22: Bill says that they wanted to make sure that everyone gets an advisor to speak to and that they service their plans very well. ·        ...