I’m a Financial Advisor—Here’s Exactly How I Manage My 401(k)

29/09/2025 3 min Episodio 2409
I’m a Financial Advisor—Here’s Exactly How I Manage My 401(k)

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Episode Synopsis

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host, Ashley Micciche. One thing I believe in strongly is eating your own cooking—or in other words, putting your money where your mouth is. So this week on the podcast, I’m pulling back the curtain and sharing exactly how I manage my own 401(k) as a financial advisor. I’ll walk you through: How often I check my accounts and log in How much I contribute to my 401(k) Whether I choose Roth or traditional contributions—and why What I’m currently invested in and the philosophy behind those choices How often I rebalance Why I personally avoid target date funds, even though I recommend them for most 401(k) participants in most situations   I’ll also share a few extra tips and tools, like: Whether it’s a good idea to link your accounts so you can view everything in one place Why it’s critical to check and update your beneficiaries Why I would exhaust every other option before ever considering a 401(k) withdrawal or loan