Inside The Plan With The 401(k) Brothers Podcast By Bill Bush and Andy Bush cover art

Inside The Plan With The 401(k) Brothers

Inside The Plan With The 401(k) Brothers

By: Bill Bush and Andy Bush
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 Inside The Plan With The 401(k) Brothers is a production of Horizon Financial Group, located in Baton Rouge, LA. The show handles topics and questions that often arise from participants of company retirement plans. Bill Bush and Andy Bush are indeed brothers, but NOT twins. Registered Representatives offering securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810Horizon Financial Group 15015 Jamestown Boulevard, Suite 100, Baton Rouge, LA 70810 Economics Personal Finance
Episodes
  • The Soundtrack to Retirement Planning

    The Soundtrack to Retirement Planning
    May 28 2025
    🎙️ Episode Summary In this lively and unconventional episode, Brother Bill and Brother Andy explore the emotional and motivational power of music—and how it can help shape your outlook on retirement planning. From walk-up songs to celebratory anthems, they highlight tunes that uplift, energize, and even challenge us to take action. This playlist-inspired episode weaves financial wisdom into familiar melodies and leaves listeners tapping their toes while thinking about their future selves. Retirement may be serious business, but that doesn’t mean it can’t have a great soundtrack. 🕒 Time-Stamped Episode Highlights 00:09 – Setting the Stage Andy introduces the idea of using music as inspiration for retirement planning. Bill connects it to the metaphor of “walk-up songs” in baseball—symbolizing the moment you transition into retirement. 01:59 – Personal Walk-Up Picks Andy shares “Right Now” by Van Halen as a motivational song to take action. Bill adds “Celebration” by Kool & the Gang and “All Star” by Smash Mouth as fun, upbeat songs to mark the transition. 03:49 – Rocking Out with Hair Bands Songs like “Kickstart My Heart” by Mötley Crüe and “Don't Stop Believin’” by Journey energize the mindset of perseverance and momentum. 05:24 – Joy, Goals, and Frank Sinatra Pharrell’s “Happy”, Sinatra’s “Come Fly with Me”, and “Luck Be a Lady” help explore the emotional side of retirement and dreaming big. 06:32 – Country & Classic Rock Inspirations “Hard Workin’ Man” by Brooks & Dunn, “Taking Care of Business” by BTO, and “Jive Talkin’” by the Bee Gees make their way into the conversation as examples of dedication and energy. 07:48 – Songs with Financial Themes “Money for Nothing” by Dire Straits, “Rich Girl” by Hall & Oates, and “Take the Money and Run” by Steve Miller Band are humorous yet thoughtful takes on income and wealth. 09:03 – Retirement & Aviation-Themed Songs With nods to The Runway Decade, songs like “Jet Airliner”, “Leaving on a Jet Plane”, and “Fly Me to the Moon” reflect destination-focused planning. 11:06 – Do You Know Where You Are Now? Bill emphasizes evaluating your current financial picture: your savings, your goals, and how you’re going to get there. Music becomes a reflection of that journey. 11:55 – Forrest Gump and Financial Freedom A nod to Forrest Gump’s run ties into the idea of stripping away obstacles. Songs like “Don’t Bring Me Down” by ELO amplify the theme of emotional and financial liberation. 12:52 – Life Events as Catalysts for Planning The brothers reflect on how life events like death, divorce, or inheritance often bring people to the financial planning table—and how music can provide clarity and courage during those times. 13:45 – Walk-Out Power Songs Andy shares his go-to jogging anthem “Boom” by P.O.D., and Bill recalls “I Wanna Be Rich” by Calloway, sparking a discussion on what it really means to be “rich” in retirement. 15:36 – Closing Notes & Musical Wisdom More final tracks are tossed into the mix: “Carry On Wayward Son” by Kansas and “Fly Like an Eagle” by Steve Miller Band. The episode ends with Bee Gees’ “Stayin’ Alive”—a reminder to care for your health as you plan financially. 🎵 Favorite Sound Bites “Music moves us, right?” “Get going, do it now!” “You gotta press on!” “Whether you’re a brother or whether you’re a mother, you’re stayin’ alive!” 💡 Key Takeaways Music can act as both a motivator and metaphor in your retirement journey. “Walk-up” songs mark the start of something bold—retirement included. Celebratory and upbeat tunes reinforce the joy of leaving the workforce. Life is full of bumps in the road—music reminds us to carry on. Passive income? Think “Money for Nothing.” Planning starts with knowing where you are today, where you want to go, and how you’ll get there. Health, happiness, and community are all part of a “rich” retirement. 📞 Contact the 401(k) Brothers Website: www.horizonfg.com Email: bbush@horizonfg.com abush@horizonfg.com
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    19 mins
  • Answering Key Questions in Retirement

    Answering Key Questions in Retirement
    Apr 11 2025
    In this episode of Inside the Plan, brothers Bill and Andy Bush explore the often-overlooked questions and concerns that shape a meaningful and financially secure retirement. From maintaining your health and managing family responsibilities to finding purpose and planning for long-term care, they walk through the major life areas that impact retirement income planning. With real-life examples, personal stories, and thought-provoking questions, the brothers offer a candid and practical guide for anyone approaching or envisioning retirement. 🕒 Chapters & Timestamps 00:00 – Introduction to Retirement Income Planning Bill and Andy kick off the episode by highlighting the importance of thinking ahead when it comes to income planning in retirement. They frame the conversation with reflective questions and common concerns that can shape a retirement experience. “We’ll throw out some questions you may not have considered—or this episode might just get you thinking, which is always good.” 04:06 – Health: The Foundation of Retirement The brothers stress how arriving at retirement healthy and debt-free creates a strong start. They touch on the value of staying active (hello, pickleball and walking!), maintaining social connections, and the importance of regular checkups and understanding your family health history. “Are you doing anything to maintain or pay attention to how you’re treating your body?” 08:43 – Family Dynamics and Responsibilities From aging parents to grandkids needing support, family dynamics heavily influence retirement plans. The brothers share stories of clients navigating long-term care and longevity within their families—and how it affects their outlook and planning. “Who are the important people in your life that are still alive? Are you going to need to care for them?” 12:40 – Work in Retirement: Expectations vs. Reality While many plan to work in retirement, the reality often differs due to health or shifting priorities. They examine the importance of staying current with skills, considering fulfillment, and deciding between part-time work or volunteering. “Are you going to get fulfillment out of it—or is it just about bringing in dollars?” 16:41 – Leisure Activities and Life’s Purpose Leisure is more than just pastimes—it’s a key part of fulfillment in retirement. From travel and hobbies to spending time with loved ones, the brothers explore how leisure intersects with values, energy, and curiosity in later life. “You don’t know when the last grain of sand is going through the hourglass… make the most of your time.” 19:55 – Housing Decisions: Downsizing, Costs & Lifestyle Where and how you live affects retirement costs and lifestyle. The brothers talk about downsizing, maintaining the family home, navigating mortgage decisions, and even multi-story homes vs. aging needs. “If you can reduce that spend rate… that’s better for you because things will happen.” 23:18 – Legacy Planning: More Than Just Money From writing memoirs to giving financial gifts during your lifetime, legacy is about passing on values, stories, and love—not just assets. They explore how to think through timing, impact, and the emotional side of legacy planning. “What would I want to leave the people I love? What do I want them to know about me?” 26:10 – Long-Term Care & End-of-Life Planning Only 10% of people carry long-term care insurance—but 70% will need some kind of care. The brothers stress the importance of planning for this, including powers of attorney, advance directives, and finding cost-efficient ways to prepare. “You’re not trying to pay for everything—just offset the impact on your overall wealth.” 29:05 – Final Thoughts & Getting Guidance Retirement is filled with unknowns, but you don’t have to go it alone. The episode closes with an encouragement to explore these topics and reach out for help navigating the journey. “You need trustworthy guides. It’s a foggy landscape, and you’ve never done it before.” 💡 Key Takeaways Health and debt status are key to starting retirement strong. Fitness routines can be social, budget-friendly, and personally fulfilling. Family responsibilities (parents, kids, grandkids) often influence timing and finances. Many retire earlier than expected—health is a big factor. Leisure and life’s purpose go hand-in-hand for a satisfying retirement. Housing decisions affect cost, comfort, and long-term flexibility. Legacy includes memories, values, and family stories—not just wealth. Long-term care planning is critical, even if insurance isn’t feasible. Trusted advisors can help guide the planning process. 🔊 Sound Bites “Who are the important people in your life?” “What is your life’s purpose after retirement?” “What if you had five years left—what would you do?” “A lot to think about in retirement planning.” Contact Info: Bill...
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    21 mins
  • ITP-Risks in Retirement

    ITP-Risks in Retirement
    Mar 13 2025
    In this episode of Inside the Plan, the 401(k) Brothers, Bill and Andy Bush, explore the key risks retirees face and the importance of planning ahead to mitigate them. They discuss longevity risk, inflation, healthcare expenses, investment volatility, liquidity concerns, family responsibilities, and public policy changes, providing insights on how to prepare for a secure retirement. Key Takeaways ✔ Longevity Risk – Running out of money before you run out of life. ✔ Inflation Risk – The rising cost of living affects retirement budgets. ✔ Healthcare & Long-Term Care Risk – Increasing medical expenses and the need for caregiving support. ✔ Financial Elder Abuse – A growing threat from scams and even trusted individuals. ✔ Investment Risks – Stock market volatility, interest rate changes, and sequence of return risks. ✔ Liquidity Risk – The importance of keeping accessible cash reserves. ✔ Work-Related Risks – Counting on employment but facing health or job market obstacles. ✔ Loss of a Spouse – Financial and emotional adjustments following a partner’s passing. ✔ Public Policy Risk – Changes in Social Security, Medicare, and tax laws can impact retirement plans. Time-Stamped Chapters & Breakdown 📌 00:00 – Introduction: Why Planning for Risks Matters Bill and Andy introduce the variety of risks retirees face.Overview of how good planning can help navigate unexpected challenges. 📌 01:30 – Longevity Risk: Will Your Money Last? With increasing life expectancies, retirees need to plan for 30+ years of income.Key strategies: Annuities, diversified investments, and sustainable withdrawal rates. 📌 03:15 – Inflation Risk: The Erosion of Purchasing Power Over time, inflation can double the cost of living in retirement.Example: A $5,000/month budget today could need $10,000+ in 20 years.Ways to protect against inflation: Social Security COLAs, inflation-protected investments (TIPS), and adjustable withdrawal strategies. 📌 05:10 – Healthcare & Long-Term Care: The Cost of Aging Medical costs are rising faster than general inflation.70% of retirees will require long-term care assistance at some point. Mitigation strategies: Medicare planning, long-term care insurance, and HSAs (Health Savings Accounts). 📌 07:00 – Investment Risks: Navigating Market Uncertainty Market risk: Stock market volatility can impact retirement savings.Interest rate risk: Rising rates affect bond values and fixed-income investments.Sequence of return risk: A market downturn early in retirement can have long-term consequences.How to mitigate these risks: Diversification, maintaining a cash reserve, and gradual portfolio adjustments. 📌 09:00 – Liquidity Risk: Having Cash When You Need It Some assets, such as real estate or private equity, are not easily converted to cash.Importance of having liquid savings to cover emergencies and unexpected expenses.Balancing liquidity with long-term growth. 📌 10:20 – Financial Elder Abuse: Protecting Yourself from Scams Retirees are common targets for fraud and financial abuse.Warning signs: Unusual account activity, pressure to give money, and sudden changes in estate planning.Ways to stay protected: Trusted contacts, power of attorney, and financial monitoring. 📌 12:00 – Work-Related Risks: Can You Count on Employment? Many retirees assume they’ll be able to work part-time, but health or job market changes may prevent it.Reemployment risk: Older workers may struggle to find new jobs if they need additional income.Plan for financial independence, not reliance on future employment. 📌 13:30 – Family-Related Risks: Unexpected Financial Responsibilities Many retirees end up supporting adult children or grandchildren, impacting their savings.Importance of setting financial boundaries while still helping loved ones. 📌 14:30 – Loss of a Spouse: Emotional & Financial Adjustments The loss of a spouse can create a significant financial shift, especially with Social Security income reduction.Planning ahead: Survivor benefits, estate planning, and joint-and-survivor annuities. 📌 16:00 – Public Policy Risk: How Government Changes Affect You Social Security & Medicare uncertainties – will benefits be reduced in the future?Tax law changes can affect retirement withdrawals and income planning.Staying informed and adapting to new regulations is crucial. 📌 18:00 – Final Thoughts & Key Takeaways Anticipating risks and creating a plan helps mitigate their impact.“Don’t worry alone—worry with us and let’s plan together!” Sound Bites "What if you're still breathing at 95 or 97?""Financial elder abuse could be scams or even people they know taking advantage.""You have to plan and anticipate these risks." Connect with Us 💡 Have questions or concerns about your retirement plan? Don’t navigate these risks alone! Contact us: 📩 Bill Bush – bbush@horizonfg.com 📩 Andy Bush – abush@horizonfg.com...
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    20 mins
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