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In this episode, we ask:
- Would you like to join us for the Not Your Average Financial Summit in the afternoons on Friday, September 30 and Saturday, October 1?
Login or Join the FREE membership community to Reserve Your Spot! - Has anyone’s 401(k) been a ravishing success?
- What did Ted Benna do?
- What is the hope and prayer?
- What is the best case scenario for a 401(k)?
- What about salary deferral?
- Will you be alive in 20 to 30 years?
- How much of it belongs to you? How much of it belongs to Uncle Sam?
- What about tax changes?
- Why a default retirement strategy?
- Who benefits from that advice?
- What about the employee match?
- Is this magic?
- Is this income redirection?
- What buys groceries?
- What is a vesting schedule?
- How many companies provide immediate vesting?
- How many people lose the employer match?
- How many years on average do people stay?
- How does your brain react?
- How many people get paid in a 401(k)?
- What is revenue sharing?
- How many people get paid before you do?
- What about mutual fund returns?
- What about reporting?
- What is the true cost of the fee?
- What about “beating the market”?
- How many fund managers underperform the market?
- What about unicorn market returns?
- What index are we looking at?
- Will your plan come to fruition?
- What are the realities of the returns?
- What is the actual returns?
- Does the rate of return in one’s 401(k) include one’s contributions?
- What about tax?
- What about dividend paying Bank on Yourself® type whole life insurance policies?
- Would you like to hear Episode 206?
- Would you rather pay your tax on the seed or the harvest?
- Would you like to discuss your specific situation? Schedule a time
- Who needs to hear this?
- Would you like a FREE book? Email us at hello@nyafinancialpodcast.com
The topics presented in this podcast are general information only and not for the purposes of providing legal, accounting or investment advice. On such matters, please consult a professional who knows your specific situation.
Marty Smith is the Regional Vice President of Security Mutual Life Insurance Company of New York. 
Kristin Colca, after starting her career in the banking industry, noticed that conventional financial wisdom was not working for many of her clients. A low-interest rate environment combined with Wall Street volatility and a growing pile of debt made it almost impossible to plan or create a secure plan for retirement. Further complicating these issues are the financial “experts” and “advisors” that are too quick to recommend one-size-fits-all solutions without fully understanding their client’s goals or dreams. Kristin’s mission is to create custom-tailored financial strategies for her clients that empower them to achieve financial freedom. Connect with Kristin Colca at 
Ryan Nemcek is the Senior Underwriter at Security Mutual Life Insurance Company of New York in Binghamton, NY. He has held this position since 2014. 
Brandon Neely is a serial entrepreneur, Profit First and Bank On Yourself Professional, and the co-host of Wealth Wisdom Financial Podcast with his wife and business partner Amanda. He and Amanda founded and managed Overflow Coffee Bar, L3C from 2008 through 2018. They learned a lot of what to do and NOT to do through that experience. They have since sold that business. Now, as financial allies, they share their experiential knowledge through podcasting and developing personalized financial strategies for individuals and profitability strategies for businesses. They continue to help clients implement the Profit First system as well as how to use a Bank On Yourself framework to grow their businesses and future. Connect with Brandon at Wealth Wisdom Financial via the 