This week on Investing Simplified, Matt Sudol and Matt Mai of Price Financial Group tackle common misconceptions about 401(k) accounts and retirement planning. The hosts clarify that, while mutual funds within a 401(k) are typically managed by fund managers, overall portfolio management and asset allocation decisions fall to plan participants. Many investors mistakenly believe their entire 401(k) is actively managed by the provider, but in reality, periodic review and adjustments may be needed, especially as retirement approaches. The episode emphasizes the importance of annual check-ins to ensure contribution levels, fund choices, and risk profiles remain aligned with personal goals, as well as the value of professional guidance through complimentary consultations.

In addition, the show discusses the concept of "sequence of return risk"—the risk that market downturns early in retirement can significantly impact income planning and asset longevity. Diversification and the inclusion of conservative investments, such as cash or short-duration bonds, may help mitigate this risk. The conversation also explores retirement planning for business owners, highlighting the importance of maintaining both emergency reserves and adequately funded retirement accounts to reduce reliance on the business for future financial security. Listeners are encouraged to reach out for personalized advice and complimentary consultations to review or establish retirement strategies that best suit their needs.


Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That’s why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you’re a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation