Why Your 401(k) Isn’t Enough - The Ideal Retirement Mix

You're saving for retirement, but are you saving too much into the wrong accounts? Most retirees don't realize this common issue until it's too late.In this episode, I explain why having all of your retirement savings in pre-tax accounts is major risk and how you can begin to fix things.👉 Work With Us: https://www.rivertreewealth.com/get-started✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbersEmail: [email protected]: https://www.rivertreewealth.comLinkedIn: https://www.linkedin.com/in/jacobdukeJacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.01:00 Early Retirement Access Trap02:31 Risk One: Future Taxes04:03 Risk Two: RMD Time Bomb06:50 Risk Three: Income Control09:37 Risk Four: Psychological Barriers11:51 Risk Five: Lack of Flexibility12:51 Tax Diversification16:28 How To Fix The Problem19:12 Conclusion