Your 401(k) is powerful — but it comes with risks most people never
think about until it's too late.

In this episode, Wes Cuprill, CFP®, breaks down the four hidden
limitations of the 401(k) that can quietly derail your retirement:

- The behavioral savings gap — and why 3–5% contributions aren't enough
- The tax deferral lie — and the RMD time bomb waiting in retirement
- Limited investment options and the "set it and forget it" trap
- Why your 401(k) is a retirement account, not a retirement plan

Understanding these risks isn't about fear — it's about having a plan.

📘 Download Wes's free book, The 401(k) Wake-Up Call:
https://avoidthe401ktrap.com/book

📅 Ready to talk about your 401(k) strategy?
Visit: avoidthe401ktrap.com/work-with-wes

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Chapters:
00:00:00 – Introduction
00:00:39 – Risk #1 — Individual Responsibility & The Savings Gap
00:02:18 – Risk #2 — The Tax Deferral Lie & RMD Time Bomb
00:04:45 – Risk #3 — Limited Investment Options & Set It and Forget It
00:06:30 – Risk #4 — The 401(k) Is Not a Retirement Plan
00:08:10 – The Three Questions Every 401(k) Holder Should Ask
00:09:45 – Why Long-Term Planning (and a Financial Advisor) Matters

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Wes Cuprill is a Certified Financial Planner® at Money & Clarity,
specializing in 401(k) optimization and retirement income strategy.
He helps individuals and families build smarter, tax-efficient
retirement plans — using the 401(k) as the nucleus of a complete
financial strategy.

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