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.

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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.