#169 - "Hot topics" edition...Andy and Justin Pritchard talk about target date funds, illiquid assets in 401(k) plans, firing an advisor and MORE!

Retirement Planning Education, with Andy Panko

Andy Panko

Education, 401k, Annuities, Roth Ira, Pension, Financial Planning, Taxes, Tax Planning, Social Security, Investing, Ira, Roth Conversion, Retirement Planning

4.9 • 1.1K Ratings

🗓️ 11 September 2025

⏱️ 69 minutes

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Summary

Andy and Justin Pritchard from Approach Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: The pros and cons of target date funds ( 11:05 )Their thoughts on the recent presidential executive order allowing private and illiquid investments to be offered inside 401(k) plans ( 23:26 )Can you make up for insufficient retirement savings by investing more aggressively ( 31:51 )Understanding your adviso...

Transcript

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0:00.0	It's time for another Hot Topics episode where this week I'm joined by my buddy Justin Pritchard from Approach Financial, where we're talking about target date funds, illiquid and private investments in 401K plans, firing an advisor and much more in this the 169th episode of the Retirement Planning Education Podcast.
0:19.2	Welcome to the Retirement Planning Education podcast, where you can learn all about IRAs and Roth IRAs,
0:25.3	employer retirement plans, taxes, Social Security, Medicare, portfolio withdrawal strategies,
0:31.1	annuities, estate planning, and much more. And now here's your host, Andy Panko.
0:36.8	Hey, everyone. Welcome back. Thank you for listening. I am glad you're here. Today is a quote-unquote hot topics
0:43.0	episode where I am joined by a fellow retirement-focused financial planner. And we talk about a handful of,
0:50.8	I chose the term hot topics, thinking that these would mainly be current event type things or topics or items that are hot in the eyes of people in or near retirement and planning for retirement.
1:04.0	But this is sort of morphed into, yes, it is some sort of current events and hot topics to the extent there are anything
1:11.5	that are new and relevant and hot, but otherwise it's just sort of more general topics or
1:17.8	conversations or questions that we frequently come across in working with people or see in
1:23.1	the Facebook group, the retirement planning education Facebook group, for example.
1:26.4	So Justin and I are about to
1:27.9	share our thoughts about it. And for those who don't know this format, it is where he and I, or whoever's on,
1:35.7	discussing hot topics, we don't necessarily agree. It's just we're both giving our views and
1:41.3	thoughts and opinions. Maybe they align. Maybe they don't. But the goal is that
1:45.3	everyone listening will hear firsthand from two people who are in the weeds doing and thinking about
1:51.3	this stuff day to day to learn more about it and to uncover the angles and be aware of things to
1:57.5	look out for and potential pros and cons of all these various things we're talking about.
2:01.0	Before I recap what the or summarize what the topics are, then give you my chat with Justin,
2:07.0	I have a question, why can't dinosaurs clap their hands?
2:10.7	Because they're extinct.
2:12.2	Come on, man.
	...

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