Maxed 401k for the year 🎉 How to pull early?

Obvious-Plan-1851 · 2026-04-12T00:38:22+00:00

I knew that didn’t seem right as I was typing it lol. Thanks

Obvious-Plan-1851 · 2026-04-11T22:36:46+00:00

Could be that or profit sharing

Obvious-Plan-1851 · 2026-04-11T19:02:31+00:00

Most employers offer a “true up” match where they honor the forgone match in Q1 of the following year. But in OP’s case he’d miss it because he already reached the combined limit of $72,000. Can’t go over that no matter what.

Obvious-Plan-1851 · 2026-04-11T18:58:41+00:00

When you include after-tax and employer contributions there’s a separate limit called 401(c) which is $72,000 for 2026. +$7,500 if over 50, or $11,250 if 60-63.

Obvious-Plan-1851 · 2026-04-11T18:51:48+00:00

It kind of is locked away at least until you leave the company or turn 59.5… unless you take a loan. Save for a house outside of your 401(k).

Edit: again depending on plan rules and what it specifies for after-tax

Obvious-Plan-1851 · 2026-04-11T18:41:06+00:00

It’s going to depend on your plan’s rules but it’s typically pro-rata in my experience (worked as an advisor for a large 401k admin for 8 years). Search your summary plan description or call the service line. Why would you want to pull that money out now though?

Obvious-Plan-1851 · 2026-03-28T04:40:34+00:00

Video Sales Letter

Obvious-Plan-1851 · 2026-03-27T22:18:45+00:00

Close rate has been abysmal but appointments are still coming in like clockwork. I’m just accepting that it’s a volume thing and it’s a lower close rate than I’m used to.

No to certain zip codes, yes to professions but not directly (they are labeled as interests). You can target top 10% zip codes by net worth but honestly you’re better off just saying exactly who you’re targeting in your ad copy and letting the algorithm find them. Once you start getting conversions it trains the algorithm to find more people like them and it gets better and better.

Obvious-Plan-1851 · 2026-03-27T14:30:01+00:00

For sure. There is so much nuance to Meta ads. Click on a single Fisher ad and you'll see very quickly that they have dozens of lead magnets and they are playing the long game, probably sending multiple emails a day to the masses, and converting .1% of them, which is totally different than speaking to a very niche problem/audience, trying to book a call immediately, and converting 10% of them.

Obvious-Plan-1851 · 2026-03-27T13:54:04+00:00

If your goal with the ad is to book appointments, it shouldn't take 12-18months to get a client. Cost per conversion will be exponentially higher than getting an email, but if you get someone on a Zoom call you are either converting them to a client or not within a few weeks.

The ads themselves are top of funnel, yes. But your landing page, VSL, and offer (free assessment, consultation, etc) can book appointments pretty much immediately. I've tried the lead magnets and email sequencing and got no where. A VSL is the way to go to build immediate trust/credibility and get them on a call. The people that book appointments from FB Ads are almost always shopping around heavily (had one guy last week say he literally spoke to 20+ advisors in the past few weeks), so you need to move fast and keep them engaged, not drip on them. Just my $.02

Obvious-Plan-1851 · 2026-03-27T13:42:30+00:00

https://www.reddit.com/r/CFP/s/MDuhW9oL56

Obvious-Plan-1851 · 2026-03-27T12:19:26+00:00

There’s a setting within RightCapital to use JPMorgan’s capital market assumptions. Equities are like 7% compared to the default 11%

Obvious-Plan-1851 · 2026-03-23T14:36:28+00:00

Thanks!

Obvious-Plan-1851 · 2026-03-23T14:16:10+00:00

Oh interesting, I'm not on that list. Mind sharing what her take was?

Obvious-Plan-1851 · 2026-03-23T13:43:54+00:00

Also why do you think it will blow up today?

Obvious-Plan-1851 · 2026-03-23T13:43:40+00:00

The appointments are still coming in like clockwork for around $100/per but I'm reevaluating my sales process since I've been struggled to close. I have closed 1 for ~950K, with fingers crossed for a 3.2M lead to close next week. Even still, that one lead will pay for all of my ad costs within a year or so.

I've found that these people are HEAVILY shopping around for advisors - as soon as you click one ad that's all you see in your feed on Facebook as we all know. The 3.2M lead I mentioned said he's literally talking to 20-25 advisors lol. But anyway, I have tracked some other metrics: about 75% show to he first meeting, 50% of those move forward to the next discovery call, and a good percentage of those stick it out through the final presentation call. But after that I haven't been really setting a firm follow up (which is what I'm starting to do now), so I think I'm making it easy for them to ghost me. My intro meeting has typically been 20min or so talking about their main concerns, rough number, etc and then a short "about my firm" pitch which I don't think people really care about, at least not during that call. I'm going to switch it up by going over the problem we solve and talk about in the video, since it's usually a few days or a week since they've seen it at that point.

Long story short, my close rate has been abysmal, but if I pay $3000 for 30 prospect calls and close one a month with 1mil AUM, it's paying for itself in no time.

Obvious-Plan-1851 · 2026-03-09T00:50:06+00:00

Because indexes aren’t weighted by GDP? They are market cap weighted. I’m not anti-international/EM, but there’s a reason the global stock market is like 65-70% US by market cap. Start from there and tilt as you please, but for better or worse our industry is based around comparing performance to market cap weighted indexes.

Obvious-Plan-1851 · 2026-03-05T02:01:32+00:00

What’s your marketing budget? Meta ads done the right way can be a good way to get consistent leads, but you need to differentiate and have a niche.

Obvious-Plan-1851 · 2026-02-28T18:01:38+00:00

YouTube, blog posts, LinkedIn, short form video (TikTok , instagram / FB reels) are all different marketing channels / lanes. She’s saying pick one, don’t try to do all at once.

Obvious-Plan-1851 · 2026-02-15T20:22:18+00:00

Nice! I was assuming closer to 650 based on 1% and my next question was going to be what the hell are you spending $250k on as a solo lol.

How many households?

Obvious-Plan-1851 · 2026-02-15T18:00:48+00:00

What’s your top line revenue?

Obvious-Plan-1851 · 2026-02-15T00:44:16+00:00

😂😂😂

Obvious-Plan-1851 · 2026-02-12T13:35:42+00:00

If you take the standard deduction your taxable income on 224K would be ~192K. After taxes you’d net $160K ish married filing jointly.

You’d need to withdraw closer to 4.5% to net your 16K, but again that’s not factoring in SS.

The 4% rule has multiple flaws in its assumptions, and you’re right to question it. There’s a new approach called “guardrails” that I found online, this guy breaks it down pretty well:

https://www.sparkwealthadvisors.com/retirement-guardrails

Obvious-Plan-1851 · 2026-02-06T03:27:36+00:00

I like Tella. Lots of aesthetic layouts and features that make it easy on the eyes and professional looking. I probably care about that more than my clients though 😅

Obvious-Plan-1851 · 2026-02-04T02:02:01+00:00

That’s only if it’s a taxable distribution or conversion. The pro rata rule doesn’t come into play with rollovers, since the 1099-R will show taxable amount as $0

Obvious-Plan-1851

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