Listener Questions: Should I Move My 401K into an IRA When I Retire?
From Retirement Answer Man by Roger Whitney, CFP®, CIMA®, RMA, CPWA®
April 1, 2026 · 43 min · Episode 637
About this episode
Roger Whitney answers listener questions about managing retirement accounts and shares insights on meaningful travel experiences.
Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts, health insurance, financial literacy, and shares inspiring stories and book recommendations. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Introduction: Rock retirement with community questions and stories ROCKIN’ RETIREMENT IN THE WILD (01:39) A memorable travel story from Doug in Greece and the value of experiential travel RETIREMENT LIFE LAB (03:50) The significance of experiences over souvenirs for meaningful memories LISTENER QUESTIONS (06:15) Addressing listener questions on managing retirement accounts and consolidating assets (06:43) Handling required minimum distributions and tax considerations for late retirees (Vern's story) (09:23) Reasons to keep or roll over 401(k) assets, including inertia, access, and creditor protection (12:32) Audio question about health insurance and budgeting (18:10) Correcting misconceptions about MAGI and ACA subsidies (Michael’s feedback) (20:08) Insights on the blind spots of retirement planning software and AI’s role in…
People in this episode
Host: Roger Whitney
Topics covered
- retirement planning
- 401(k) management
- health insurance
- financial literacy
- meaningful travel
- required minimum distributions
- AI in financial planning
Keywords
- 401(k)
- IRA
- retirement accounts
- health insurance
- financial planning
- experiential travel
- RMDs
- tax planning
- AI
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