When it comes to saving for retirement, one of the most common questions is also one of the most misunderstood: should I contribute to a traditional or Roth account? And which one offers the smartest long-term tax strategy? In this episode, Dennis breaks down what makes each option unique and why the answer isn’t one-size-fits-all. He also shares his “seed vs. wagon” analogy to help explain why tax timing matters more than we may think.

Here’s some of what we discuss in this episode:

💡 Clear breakdown of Roth vs. Traditional accounts

📊 How tax treatment affects retirement withdrawals

🧠 How age and income influence your contribution strategy

🔄 Tips on rebalancing and managing your 401(k) with intention

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Have you reached retirement age, but something just doesn’t feel right? Financially, emotionally, or both? You’re not alone. In this episode, Dennis gets real about what it actually means to be ready for retirement. From clients who feel uncertain to those who’ve done all the “right” things but still feel unsure, Dennis shares the truth: being ready to retire is about more than just the numbers.

Here’s some of what we discuss in this episode:

📉 Lack of confidence often comes from lack of clarity

🧾 A written plan can help turn your confusion into confidence

🕰️ Working longer may be necessary for some

🙏 It’s never too late to start planning with the right guidance

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

As you approach retirement, one of the most important concepts to understand is the financial red zone. This critical time frame, typically defined as the five to ten years leading up to retirement, is where your financial decisions can make a significant impact on your future. 

In this episode, we explore the ins and outs of the retirement red zone, providing insights and strategies to help you navigate this pivotal period successfully.

Here’s some of what we discuss in this episode:

🏈 Retirement’s “red zone” is 5–10 years before your goal—every move counts

💸 Don’t fumble your future by pulling large sums to pay off debt

📉 Getting too conservative can be just as risky as being too aggressive

📊 Most people don’t have a real plan—they have guesses

🧾 Emergency funds and inflation planning are non-negotiables

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Today we wrap up our four-part introduction to Faith 401K & Money Management by going inside our planning process to give you a better understanding of what clients can expect when working with us.

From the first meeting to annual check-ins, Dennis breaks down how planning starts with personal connection and data gathering—not just numbers. Communication is also extremely important for planning and we’ll share some of our strategies for that. Plus, discover how technology has transformed client interactions and learn valuable insights on measuring success in retirement planning.

This episode also addresses why so many people hesitate to begin the planning process and why, in Dennis’s words, “You have nothing to lose and everything to gain.” 

Here’s some of what we discuss in this episode:

📋 What to Expect in the First Meeting – It’s more personal than you think

🔄 Ongoing Planning & Reviews – Why your plan should evolve with your life

🛠️ Customization is Key – No cookie-cutter plans here

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

In this episode—part three of our four-part series about Faith 401K & Money Management —we explore the key traits of an ideal client and the unique financial challenges they face when preparing for retirement. With a focus on personal connection and faith-based financial principles, Dennis shares how his approach goes beyond investing to help clients build a secure and purpose-driven retirement plan.

Here’s some of what we cover: 

📅 Start Planning Early – Why the 5-year mark is critical for retirement success.

📊 Beyond Investing – Understanding taxes, healthcare, and longevity in financial planning.

🏈 Game Plan for Retirement – How a solid strategy can help you avoid financial fumbles.

🤝 Personalized Guidance – Why relationships matter in financial advising.

 

0:00 – Intro

0:47 – Ideal client

1:24 – Common challenges

2:41 – Relationships 

3:53 – Misconceptions about planning

6:06 – What we hope you learn

7:21 – How we serve client needs

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Today is part two of our series introducing you to Faith 401K & Money Management, and this episode is all about founder Dennis Horr. We’ll take you outside of the office and into his time away from work to give you a look into the personal side of life. While he’s known for guiding clients toward financial success, his journey began far from the finance world—on a dairy farm, where early lessons in hard work, perseverance, and money management shaped his approach to life and business.

Despite being a natural introvert, Dennis has found success in an industry that often rewards extroverts, proving that authenticity and passion can be just as powerful as charisma. Here’s more of what we cover in this episode:

🐄 Farm Life & Financial Lessons – Hard work, money values, and the foundation of his financial philosophy.

🏡 Family First – Why staying close to loved ones shaped his career path.

🍲 Passion for Cooking – The story behind his famous vegetable soup.

 

0:00 – Intro 

0:49 – How his past shaped his perspective

2:19 – Being near family

4:16 – Free time

6:10 – If he wasn’t a financial advisor

6:42 – Introvert

7:45 – Wrestling

9:08 – Rapid fire questions

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

In the first episode of our four-part series about our business, Dennis Horr, founder of Faith 401K & Money Management shares the story of how the company began. From growing up on a dairy farm to climbing the corporate ladder, Dennis found his true calling in financial planning with a focus on faith and community. 

We’ll talk about how our firm integrates biblical principles into financial advising, emphasizing personalized, client-centered strategies. This episode offers valuable insights into how faith can influence financial success and how Dennis helps clients achieve their retirement dreams. Join us as we explore Dennis's story, his approach to financial planning, and the deeper connections he builds with his clients.

Here’s what we discuss in this episode:

0:00 – Intro 

0:45 – What inspired him to be a financial planner

2:40 – What being an advisor means

3:10 – What makes us different

3:38 – Behind the name

5:39 – Most rewarding part of the work

6:20 – What happens in the first meeting

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/

Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/

Join one of our upcoming events: https://www.faith401kmgmt.com/events.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr