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PC 6 - How Should My 401k Be Invested
If you’re a few years from retirement and your 401(k) has become your biggest financial asset, one question starts to matter a lot more: “Am I actually confident in how this money is invested?” In this episode, Cullen talks directly to near-retirees who saved diligently but haven’t consistently reviewed their 401(k) investment strategy… when there’s less time to recover from major mistakes. The big message: before you obsess over funds and allocations, you need a plan that connects your investments to your goals.
Key Takeaways:
• As retirement gets closer, big investing mistakes are harder to recover from.
• Investments matter, but they’re only one part of your retirement strategy.
• A financial plan helps determine: safe withdrawal amounts, downside “cushion” in market downturns, and what may be left for loved ones.
• Your goals should drive your allocation—not generic rules based on age or income.
• A regularly reviewed plan keeps your strategy aligned as life changes year to year.
If you’ve been quietly wondering whether your 401(k) is invested as well as it could be, this is your reminder to zoom out and start with the bigger picture: your goals, your retirement timeline, and the role this money needs to play for your family. Cullen emphasizes that the plan creates the destination, and once you have that clarity, you can build an investment approach designed to support you through retirement, not just into it.
#RetirementPlanning #401k #FinancialPlanning #Investing #Retirement #WealthManagement #PortfolioStrategy #NearRetirement #PersonalFinance #FinancialAdvisor
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Connect With Cullen:
Cullen Martin, CFP®
Financial Planner, Presilium Private Wealth
Email: [email protected]
LinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-cfp/
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This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.
The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.
Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.
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By Jerry DavidseIf you’re a few years from retirement and your 401(k) has become your biggest financial asset, one question starts to matter a lot more: “Am I actually confident in how this money is invested?” In this episode, Cullen talks directly to near-retirees who saved diligently but haven’t consistently reviewed their 401(k) investment strategy… when there’s less time to recover from major mistakes. The big message: before you obsess over funds and allocations, you need a plan that connects your investments to your goals.
Key Takeaways:
• As retirement gets closer, big investing mistakes are harder to recover from.
• Investments matter, but they’re only one part of your retirement strategy.
• A financial plan helps determine: safe withdrawal amounts, downside “cushion” in market downturns, and what may be left for loved ones.
• Your goals should drive your allocation—not generic rules based on age or income.
• A regularly reviewed plan keeps your strategy aligned as life changes year to year.
If you’ve been quietly wondering whether your 401(k) is invested as well as it could be, this is your reminder to zoom out and start with the bigger picture: your goals, your retirement timeline, and the role this money needs to play for your family. Cullen emphasizes that the plan creates the destination, and once you have that clarity, you can build an investment approach designed to support you through retirement, not just into it.
#RetirementPlanning #401k #FinancialPlanning #Investing #Retirement #WealthManagement #PortfolioStrategy #NearRetirement #PersonalFinance #FinancialAdvisor
--------
Connect With Cullen:
Cullen Martin, CFP®
Financial Planner, Presilium Private Wealth
Email: [email protected]
LinkedIn: https://www.linkedin.com/in/cullen-martin-cfp%C2%AE-81218ab2/Meet Cullen: https://www.presiliumpw.com/team_member/cullen-martin-cfp/
--------
This Video is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security or investment product or services.
The content of this Video is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Presilium Private Wealth does not intend the information in this Video to be investment advice, and the information presented in this Presentation should not be relied upon to make an investment decision.
Any third-party information contained herein was prepared by sources deemed to be reliable but is not guaranteed. Investment advisory services are offered through Presilium Private Wealth, a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser or investment adviser representative has attained a particular level of skill or ability. Additional information about Presilium Private Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov.