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The Truth about Retirement Planning with Steve Mallory

Tax Savings vs. Wealth Design: Retirement Planning, Roth Strategies, and Smarter 401(k) Investing (with Steve Mallory) Aubree Denekamp (“The Write-Off Queen”) argues that tax strategy creates opportunity but wealth design determines whether savings become lasting assets, noting many clients waste tax savings without a plan. She interviews fiduciary wealth advisor Steve Mallory of URA Group about common retirement mistakes, especially waiting until right before retirement, misunderstanding taxes, RMDs, and account “buckets” (qualified, non-qualified with step-up basis, and Roth). They discuss budgeting and cash-flow needs in retirement, why matching 401(k) contributions matters, and how many people don’t know what their 401(k) is invested in. Steve explains investment-horizon-based risk, issues with target-date funds, potential use of PCRA subaccounts for broader 401(k) investment choices, the difficulty of timing markets, and how pensions and annuities may fit into diversified planning. 00:00 Retirement Money Illusion 00:34 Tax Savings Need Strategy 01:26 Meet the Wealth Advisor 02:26 Retirement Planning Pitfalls 04:11 Lifestyle and Cash Flow 05:30 What to Do With Savings 07:12 Finding the Right Advisor 08:57 How Often to Check In 10:36 When to Start Saving 13:58 401k Contributions Basics 15:59 Investing Inside 401k 18:49 Target Funds vs Indexes 20:28 PCRA 401k Upgrade 21:43 Rollover Mistakes 23:56 Solo 401k Access 25:49 Stop Timing Markets 30:06 Buckets And RMDs 32:54 Annuities And Pensions 34:39 Pension Rollover Strategy 39:15 Final Advice And Wrap Keywords: retirement planning, tax strategies, wealth management, investment options, PCRA, 401k, Roth IRA, market volatility, estate planning, financial advisor Key Topics: Retirement planning and timing Tax strategies and investment options The role of advisors and team collaboration Sound Bites: "Real wealth is built in tension." "Timing the market is a fool's game." "Start planning early and ask questions." Steve Mallory Links: URA Group - ⁠https://uragroupaz.com/steve-mallory/⁠  LinkedIn - ⁠  / stevemallory⁠    Book a call with Aubree: ⁠www.TheWriteOffQueen.com⁠  ⁠www.AVAccountingServices.com⁠ Acknowledgements: This podcast was edited and produced by Dolphin Podcasting: ⁠www.DolphinPodcasting.com⁠  The intro/outro music was produced by Holden Peyton and is licensed by Dolphin Podcasting, LLC.