The Hidden Risk of Leaving Old 401(k)s Behind

The Hidden Risk of Leaving Old 401(k)s Behind

From Unleash Your Wealth by Raj Shah

April 21, 2026 · 14 min

About this episode

Raj Shah and Rick Borek discuss the risks and options associated with managing old 401(k) accounts after leaving a job.

What should you really do with an old 401(k) after leaving your job—and why do so many people overlook it? On this episode, Raj Shah and Rick Borek break down the common mistakes retirees make with former employer plans, including leaving accounts unmanaged or cashing out too soon. They explore rollover options, in-service withdrawals, and how fees, limited investment choices, and market volatility factor into smarter long-term planning. The conversation also touches on retirement income structuring, spending patterns, and mindset lessons—from professional athletes to everyday retirees—about planning for both short- and long-term needs. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

People in this episode

Host: Raj Shah

Guest: Rick Borek

Topics covered

  • 401(k) management
  • retirement planning
  • financial mistakes
  • investment choices
  • wealth management

Keywords

  • 401(k)
  • retirement
  • rollover options
  • financial planning
  • investment fees

Mentioned in this episode

Organizations: SC Wealth Advisors

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