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…
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Bill and Andy Bush open with the one regret they've never heard from a retiree: "I saved too much." Drawing on conversations with plan participants, they explore the regrets people do voice — wishing they'd started earlier, stayed invested, or captured more of the company match — and why those missed opportunities can't be recovered once a contribution year lapses. The brothers make the case for…
Bill and Andy Bush are fresh off the 2026 NAPA Summit in Tampa and dive into two headlines pulling retirement savers in opposite directions. On one side, Elon Musk says AI and robotics will make squirreling money away for retirement unnecessary within 10 to 20 years. On the other, a new Trump IRA executive order aims to close the coverage gap for the roughly 56 million workers without an…
Bill and Andy Bush dive into the retirement plan rules that trip up participants most often—from the Rule of 55 and IRS 72(T) distributions to SIMPLE IRA rollover restrictions, in-service distribution provisions, and the nuances of RMDs under SECURE 2.0. The brothers break down each rule with real-world examples pulled from recent client calls, covering when you can access your 401(k)…
As the calendar turns to 2026, Bill and Andy Bush kick off the new year by breaking down key changes affecting higher-income 401(k) participants—most notably the new SECURE 2.0 rules requiring Roth catch-up contributions for certain earners. They unpack who the rules apply to, how they intersect with other income thresholds, and why many six-figure earners still feel behind despite strong incomes.…
Episode Summary In this episode of Inside the Plan with the 401(k) Brothers , Bill and Andy Bush explore the emotional side of money decisions. From procrastination and magical thinking to comparison traps and identity shifts, they share personal experiences, client stories, and practical tips to help listeners overcome financial inertia and build confidence in their financial planning. Key…
In this episode, the 401(k) Brothers—Bill and Andy—break down why the first year of retirement is so critical. From crafting a solid income plan to navigating emotional shifts, they cover how to avoid early retirement missteps and make the most of your new lifestyle. With practical tips, relatable analogies, and their trademark brotherly banter, they offer a blueprint for launching retirement on…
🎙️ 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…
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,…
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…
In this episode, Bill and Andy Bush discuss the "7 Stages of Financial Well-Being," a concept developed by Money Coaches of Canada. They explore each stage, from financial chaos to financial fulfillment, and provide practical insights into how individuals can move up the financial staircase. With a focus on building confidence and intentionality, this episode is a roadmap for anyone seeking…
