What To Do With Your Employer-Sponsored Retirement Plan? - Your Money, Your Wealth® podcast 449 - Video

What should Martin do about his outrageously fee-heavy 403(b) plan? Should EF hedge his pre-tax non-qualified 415 excess plan? What should Max do with his old TIAA plan, and what are the pros and cons of a cash balance defined benefit plan for self-employed people like Brent Money? What to do with your employer-sponsored retirement plan, that’s today on Your Money, Your Wealth® podcast 449 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, Mike needs Joe and Big Al’s spitball on the highly compensated employee rule and excess 401(k) contributions, and the fellas explain how employee stock purchase plans (ESPP) are taxed for Big Cheese Bob the Tomato. Podcast show notes, free financial resources, episode transcript: https://bit.ly/ymyw-449

00:00- Intro
00:55 - What to Do About My Outrageous Fee-Heavy 403(b)? (Martin, Miami, FL)
05:56 - Should I Hedge My Pre-Tax Non-Qualified 415 Excess Plan? (EF, Kansas)
13:33 - Investing Basics Guide - free download:
https://purefinancial.com/white-papers/investing-basics-guide/?utm_source=youtube.com&utm_medium=podcast&utm_campaign=YMYW-449
Watch Financial Boot Camp:
https://purefinancial.com/ymyw/episodes/financial-boot-camp-investing-basics/?utm_source=youtube.com&utm_medium=podcast&utm_campaign=YMYW-449
14:25 - What to Do With My Old TIAA Retirement Plan? (Max, Seattle)
24:29 - Highly Compensated Employee Rule and Excess 401(k) Contributions (Mike, Castleton, NY)
28:28 - EASIRetirement.com - new free retirement calculator! http://EASIRetirement.com/?utm_source=youtube.com&utm_medium=podcast&utm_campaign=YMYW-449
29:16 - How Are Employee Stock Purchase Plans (ESPP) Taxed? (Big Cheese/Bob the Tomato)
32:26 - Cash Balance Plans Pros and Cons for Self-Employed (Brent Money, Bennington, NE)
40:52 - The Derails

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CFP® - The CERTIFIED FINANCIAL PLANNER™ certification is by the Certified Financial Planner Board of Standards, Inc. To attain the right to use the CFP® designation, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. Thirty hours of continuing education is required every two years to maintain the designation.
CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period.