Don't Fall Into The 401(k) Trap
Your 401(k) is powerful, but it was never meant to be your entire retirement plan, and without the right strategy, it could cost…
FREE BOOK: The 401(K) Wake Up Call
Discover the exact strategies I use with my clients to wake up their 401(k) so that it works harder for them and enables them to avoid common 401(k) pitfalls and build tax-efficient, flexible wealth.
- How to "wake up" your 401(k)
- How to minimize taxes on your retirement savings
- The hidden risks most 401(k) participants never see
- Why your employer's default options may be costing you
- The Nucleus Strategy™ framework for true wealth building
What Most People Don't Know
Most Americans are saving into tax-deferred accounts like 401(k)s and IRAs. What many don't realize is that they are creating a series of tax time bombs for themselves, just waiting to explode when they least expect it and need their money most!
Don't let hidden tax time bombs derail your retirement. Schedule a complimentary strategy session to see how comprehensive financial planning can help you build a more tax-efficient future.
Schedule Your Complimentary SessionWhat is the 401(k) Trap?
Tax Risk
Every dollar withdrawn is taxed as ordinary income. You don't control what your future tax rate will be, leaving you vulnerable to tax law changes.
Liquidity Risk
Access before 59½ comes with penalties and restrictions. Your money is locked away when opportunities or emergencies arise.
Market Risk
Your savings are tied to market performance. A downturn at the wrong time can permanently reduce your retirement income potential.
Sequence Risk
Retiring into a bear market can devastate your portfolio. Most people have no plan to protect against this critical risk.
Limited Choices
You're restricted to your employer's investment menu, often filled with high-fee funds that underperform the market.
Lack of Strategy
Most people "set it and forget it" without a comprehensive plan for distribution, taxes, or coordinating with other assets.
Ready to Protect Your Retirement?
Schedule Your Free Strategy Session
Let's discuss your 401(k) and explore how The Nucleus Strategy™ can help you build true, tax-efficient wealth for retirement.
Schedule Your Free CallIntroducingThe Nucleus Strategy™
Think of your financial life like an atom. Your 401(k) is the nucleus - powerful, central, and essential - but it's not the whole structure. The "orbiting" components (your other assets and strategies) create balance, flexibility, and protection.
"The goal is not to abandon your 401(k) but to build intelligently around it, creating a coordinated ecosystem that supports your entire financial life."
These orbiting elements include tax-diversified accounts, liquidity reserves, insurance protection, and strategic income planning. Together, they form a complete wealth system designed to minimize taxes, maximize flexibility, and ensure your financial security.
Free Resources to Optimize Your 401(k)
Guide
Unlock Your SDBA
Discover how Self-Directed Brokerage Accounts give you access to thousands of investment options beyond your plan's limited menu.
Book
The 401(K) Wake Up Call
Discover the truth about your 401(k) and learn strategies to optimize your retirement savings for maximum flexibility and tax efficiency.
Special Report
The Tax Time Bomb
Understand why tax-deferred accounts could explode in retirement and strategies to defuse the bomb before it's too late.
Wes Cuprill, CFP®
I help 401(k) participants break free from the traditional "set it and forget it" approach. My specialty is helping professionals like you optimize your retirement savings through Self-Directed Brokerage Accounts (SDBAs) and comprehensive wealth planning.
Growing up watching my father, Dan Cuprill, CFP®, work with clients at Money & Clarity, I developed a passion for financial education and holistic planning. Today, I focus exclusively on helping 401(k) holders build true wealth, not just balances.
As a Certified Financial Planner™ and graduate of Indiana University's Kelley School of Business, I bring both technical expertise and a genuine commitment to helping you understand your money.
Work With WesReady to Optimize Your 401(k)?
Schedule a free consultation to discover how The Nucleus Strategy™ can help you build true wealth around your retirement savings.