What about my 401K?

“I’m good — I’ve got a 401(k).”

Are you, though?

Here’s what most people don’t factor in:

✅ Taxes on the way out — up to 35%
✅ No control over fees or fund quality
✅ Forced withdrawals at 73 (RMDs)
✅ Locked up until age 59½ (or penalties)
✅ Exposed to market risk, no guarantees

You deferred taxes… into a higher bracket.
You saved… in a system you don’t control.

That’s not a plan — that’s a tax time bomb.

📉 401(k)s aren’t evil — but they’re not enough.

Want freedom? Start building tax-free income outside the system.

🔒 So What Does an Annuity Do That a 401(k) Doesn’t?

✅ Converts savings into guaranteed income
✅ Removes market and longevity risk
✅ Keeps paying even after your original balance hits $0
✅ Offers peace of mind

🔚 Bottom Line

  • 401(k) = Build the pile

  • Annuity = Turn the pile into a paycheck

The smart strategy? Use your 401(k) to fund an annuity, especially as you near retirement. That way, you turn an unpredictable balance into guaranteed monthly income — for life.

Don't worry, we can help!

3 Options with the 401k route

💣 Option 1:

The Illusion of the 401(k)

“I’m good — I’ve got a 401(k).”

Are you, though?

Here’s what most people don’t factor in:

✅ Taxes on the way out — up to 35%
✅ No control over fees or fund quality
✅ Forced withdrawals at 73 (RMDs)
✅ Locked up until age 59½ (or penalties)
✅ Exposed to market risk, no guarantees

You deferred taxes… into a higher bracket.
You saved… in a system you don’t control.

That’s not a plan — that’s a tax time bomb.

📉 401(k)s aren’t evil — but they’re not enough.

Want freedom? Start building tax-free income outside the system.

💼 Option 2: The Wealth Strategist Take (Professional Tone)

Your 401(k) Isn’t a Retirement Plan. It’s a Tax Plan — for the Government.

You contribute pre-tax dollars today.
That feels good now…

But at retirement, here’s the reality:

Withdrawals are taxed as ordinary income

Rates may be higher in the future

Your “nest egg” may be 25–40% smaller than you think

You have zero control over future tax policy

Plus:

Early withdrawal penalties

Market volatility

Required Minimum Distributions

✅ 401(k)s are a tool, not a strategy.
Want real wealth? You need tax diversification, cash flow planning, and income you control.

🔥 Option 3:

Social-First

You saved in a 401(k)?
Great — so did everyone else.

But here's what they don’t tell you:

🔥 It's all taxable
🔒 You can't touch it without penalties until 59½
📉 Market tanks? Your “retirement” shrinks
💸 Fees + taxes eat into gains
⏳ Forced withdrawals start at 73

You thought you were saving.
Really, you were just postponing taxes.

What’s your backup plan when the tax bill hits?