In this episode of The Plan: Unsolicited, Keith and Anthony go off-script for a rapid-fire Q&A—sharing real stories, honest reflections, and practical insights from years of working with clients.

We’re answering questions like:
💥 Is investing easier or harder for younger people today?
💥 What’s the hardest thing we've ever had to tell a client?
💥 Are we scared of a stock market crash?

This one’s fast-paced, unfiltered, and packed with lessons you can actually use—because behind every financial decision is a real person trying to make sense of it all.

And at the center of it? A plan.
One that helps you navigate the noise, stay grounded, and keep moving forward—no matter what the market (or life) throws your way.

You’ve spent decades building your 401(k), and now it’s time to enjoy the fruits of your labor. But how do you make sure your money lasts while maximizing your retirement lifestyle? In this episode, Keith Wilson and Anthony Ruffalo break down the 401(k) distribution phase, walking through a hypothetical scenario of a 65-year-old retiree with $3 million saved.

We explore:
💰A 5% withdrawal rate & a 6.9% Return – What do these numbers mean for your retirement cash flow?
🚀 The Go-Go, Slow-Go, and No-Go Years – How your spending (and life) evolves in retirement.
🛡️ The Importance of Naming Beneficiaries – Avoiding costly mistakes for your loved ones.

With humor, real-world insights, and financial expertise, we make sense of this critical phase of retirement planning. Whether you’re approaching retirement or advising clients, this episode is packed with valuable takeaways.

👉 Tune in now and get ready to retire with confidence!

After years of diligent saving, strategic investing, and navigating the ups and downs of your career, there comes a moment when your 401(k) and overall wealth reach a tipping point—an inflection point where your accumulated assets start working harder for you than your new contributions. In this episode of The Plan, we explore how this moment unfolds, why your personal finances get stronger with each raise and promotion, and how, over time, saving actually gets easier.

Join us as we break down the mechanics of compounding, the psychological shift from saving to growing wealth, and the key financial strategies to maximize this stage of your journey. Whether you’re just starting out or approaching your own wealth inflection point, this episode will help you see the bigger picture of financial success.