Inside The Plan With The 401(k) Brothers

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about planning for your plans, understanding that plans can go wrong, what things that can go wrong during retirement, and establishing a household budget.   Episode Highlights:   00:50 – Bill Bush and Andy Bush talk about the importance of planning. 02:09 – The year 202...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about traditions of the holiday season at the end of the year, the importance of making a retirement wish list, changes that happen during retirement, and planning for the future.   Episode Highlights:   01:17 – What do Bill Bush and Andy Bush think about when the holida...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about times and strategies to make changes in your 401(k) plans and your retirement savings.   Episode Highlights: 01:18 – Bill Bush and Andy Bush talk about how the change in seasonal weather can signal other changes in your life. 02:11 – Is it time to change your contr...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about behavioral finance and statistics over a 20-year period of investing that JP Morgan has provided. They also discuss investment biases, the behaviors that impact your decisions, and how you can understand how to make better financial choices.   Episode Highlights:  ...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk with Jenee Olivier, Human Resources Director/Safety Coordinator at Sigma Engineers and Constructors in Baton Rouge, Louisiana about 401(k) planning.   Episode Highlights:   00:48 – Bill Bush and Andy Bush introduce Jenee Olivier. 01:51 – How does Jenee Olivier view her 4...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about the TransAmerica Center for Retirement Studies survey, how Baby Boomers, Generation X, and Millenials are approaching retirement.   Episode Highlights:   00:41 – Bill Bush and Andy Bush talks about the the TransAmerica Center                          for Retirement...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about Andy Bush turning 50-years-old. What ways is he approaching his retirement and which lifestyle changes matter to him more now? Learn strategies to let your retirement be a planned scenario instead of letting it creep up on you empty-handed.   Episode Highlights:  ...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about how to prepare your retirement investments, how to prioritize your spending, and ways to improve the potential quality of life for your future self.   Episode Highlights:   0:43 – Bill Bush and Andy Bush introduce this episode's subject regarding the future of reti...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about the ways that our thoughts and behaviors impact our lives, the effects of COVID-19 on savings and spending habits, and how all of this has an effect on our 401(k) strategies.   Episode Highlights:   00:41 – Bill Bush and Andy Bush talks about Phase 1 of the pandemi...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk with Melissa Terito, CPA, Partner and Third-Party Administrator at Sentinel Pension about some frequently asked questions that plan sponsors have been reaching out to her with.   Episode Highlights:   00:37 – Bill Bush and Andy Bush introduce Melissa Terito. 01:21 – How...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk with Melissa Terito, CPA, Partner and Third-Party Administrator at Sentinel Pension about plan sponsors, issues they are facing during the COVID-19 pandemic, and the CARES Act.   Episode Highlights:   00:39 – Bill Bush and Andy Bush introduce Melissa Terito. 01:08 – Plan...

In this episode of Inside the Plan with the 401(k) Brothers , Bill and Andy Bush of Horizon Financial Group discuss ways to handle finances during challenging times. The Coronavirus pandemic has changed life for most Americans in profound ways, and it's anyone's guess how long it will be before things get back to normal. The shutdown has forced layoffs, furloughs, and financial hardships on many p...

In this episode of Inside The Plan with the 401(k) Brothers, Andy and Bill Bush of Horizon Financial Group discuss the recently passed Conronavirus, Aid, Relief, and Economic Stimulus (CARES) Act, and what options are available to company retirement plan participants and IRA holders. The 401(k) Brothers will discuss the distribution relief and loan provisions available and the parameters on each.

In this episode of Inside The Plan with the 401(k) Brothers, Andy and Bill Bush of Horizon Financial Group take a look at the most-Googled 401(k) related questions in the past 30-days of the coronavirus pandemic. What are plan participants hoping to find answers about during these times of crisis? Bill and Andy answer questions like: Should I cash out my 401(k) account? Should I stop contributing?...

Commentary from the 401(k) Brothers on the recent market conditions. (see attachment)

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, address a question that often comes up when they are working with their clients, can I retire now? In many cases, this involves early retire. Bill and Andy offer tips on how to prepare for making this pivotal financial decision.   Episode Highlights:   0:49 – Customers often...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, discuss New Year's Resolutions plan participants should consider for the year 2020. In addition, they talk about the newly passed and signed SECURE Act, the most significant retirement plan legislation to be enacted in over a decade. Episode Highlights:   According an article...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, discuss the pre-2001 Tax Act changes regarding 401(k) plans, new contribution rates for 2020, as well as the rates for simple IRAs, IRAs, and Roth IRAs, and benefits you receive if you turn 50 during 2020.   Episode Highlights:   0:37 – Bill Bush and Andy Bush reflect on the...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, discuss the areas of financial market that you can't control that may cause you fear and the areas that are within your control that can be adjusted in your favor.   Episode Highlights:   1:14 – What scares you with 401(k) plans? 2:07 – What scared Andy as a kid? 4:10 – What...

  In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, go through various budgeting scenarios based on average American age brackets, their typical household incomes, and the expenses that affect their spending.   Episode Highlights: 0:40 – Bill Bush and Andy Bush talk about household budgeting. 1:30 – If you are in your 20s or...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, go through a checklist of financial anxieties and fears that typically keep people up at night.   Episode Highlights:   0:41 – Bill Bush and Andy Bush talk about sleepwalking and growing up on a farm in Indiana. 2:28 – What keeps you up at night and creates financial anxiety...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, share the important questions you need to be asking yourself and your spouse to properly prepare for retirement and adjust your 401(k) plan accordingly.   Episode Highlights:   1:20 – Bill Bush and Andy Bush introduce the episode topic of when is the                        la...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, share the various questions you need to be asking yourself in order to properly plan for retirement so that it doesn't unexpectedly creep up on you later when you are unprepared.   Episode Highlights:   1:00 – Bill Bush and Andy Bush introduce the episode topic of developing...

  In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, are on the road at their live event in Denver, Colorado. They have a chat with Jon Anderson, Head of Retirement at Cetera Financial Group in the Greater San Diego Area, about the importance of retirement planning.   Episode Highlights:   0:16 – Bill Bush and Andy Bush intro...

In this episode of Inside the Plan with the 401(k) Brothers , Bill Bush and Andy Bush, advisors at Horizon Financial Group, talk about a Schwab survey of 1000 401k participants. Learn from Bill and Andy some of the key truths regarding retirement planning that were revealed and can be applied to your own life.   Episode Highlights:   0:20 – Bill Bush and Andy Bush introduce the topic of a Schwab s...