Is your 401(k) built for retirement—or just for saving? In this episode, Dylan Linsky explores how 401(k)s became a primary retirement tool and where they may fall short when it’s time to generate income. He discusses the difference between accumulation and distribution, why limited investment options can create challenges, and how strategies can shift after leaving the workforce. The conversation also highlights the importance of assigning purpose to investments, managing risk, and creating a plan designed for income, flexibility, and evolving financial needs in retirement.

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As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.