What should you really do with your 401(k) when you retire—roll it over, leave it alone, or cash it out? In this episode of The Retirement Project, Pat Schultz breaks down the three most common paths retirees take—and the potential consequences of each choice. He explores why rollovers can offer more flexibility, how holding too much cash can create hidden risks, and why cashing out may come with costly tax implications. The conversation also highlights the importance of income planning, liquidity, and building a strategy that adapts to your spending in early retirement

For specialized guidance on a tax-smart retirement, visit Harriman Hall Wealth to schedule a complimentary, no-obligation consultation with Pat and his team today. Call 585-348-0982 Monday through Friday or email them: team@harrimanhallwealth.com