# The 401(k) rules have changed. Has your retirement plan?

Page: https://stenobird.com/podcast/20-20-money-the-business-of-optometry-336242/the-401-k-rules-have-changed-has-your-retirement-plan
Text version: https://stenobird.com/podcast/20-20-money-the-business-of-optometry-336242/the-401-k-rules-have-changed-has-your-retirement-plan.md
Podcast: [20/20 MONEY: The Business of Optometry](https://stenobird.com/podcast/20-20-money-the-business-of-optometry-336242)
Published: 2026-08-24T10:00:00+00:00
Episode link: https://integratedpwm.com/407
Audio file: https://traffic.libsyn.com/secure/adoseoffinancialcents/2020_money_401GO_with_Jared.mp3?dest-id=793816
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/20-20-money-the-business-of-optometry-336242/episodes/the-401-k-rules-have-changed-has-your-retirement-plan
Duration seconds: 3529

## Resource

If your practice has been using the same retirement plan for years simply because "it works," you may be leaving valuable planning opportunities on the table. On this episode of 20/20 Money: The Business of Optometry , I'm joined by Jared Porter, co-founder of 401GO, for a practical conversation about how much the qualified retirement plan landscape has changed—and why optometric practice owners should periodically reevaluate whether their current plan still fits their business. We discuss why SIMPLE IRAs may no longer be as "simple" or advantageous as many owners assume, how technology has reduced much of the administrative burden historically associated with 401(k) plans, and why payroll integration should be one of the most important considerations when evaluating a provider. We also unpack some of the planning opportunities created by recent retirement-plan legislation, including startup and auto-enrollment tax credits, increased contribution opportunities, plan-design flexibility, and the ability to use profit-sharing contributions as part of a broader tax and cash-flow strategy. Jared and I also dig into an increasingly popular strategy: the mega backdoor Roth. While it can be valuable in the right circumstances, we explain why after-tax contributions aren't automatically available—or advantageous—for every practice owner and how required nondiscrimination testing can quickly change the math. This episode isn't about convincing every practice owner that they need a 401(k). It's about understanding the options available today so you can make an educated and informed decision about whether your current retirement plan is still the right tool for your practice, your employees, and your own financial independence. Some of the topics we cover include: Why SIMPLE IRAs…

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/20-20-money-the-business-of-optometry-336242/episodes/the-401-k-rules-have-changed-has-your-retirement-plan/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/20-20-money-the-business-of-optometry-336242/the-401-k-rules-have-changed-has-your-retirement-plan.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.