Berry Smart Money Advisors

06/15/2026

🚨 Fidelity Just Changed Retirement Planning — Again. 🚨
And yes… this one is big enough to stop your scroll.

My take:
This is the clearest sign yet that the retirement industry is shifting from “grow your balance” to “guarantee your income.” Advisors, HR leaders, and business owners who adapt early will win trust fast. But these products are out of date and NOT adaptive. Berry Smart Money Advisors have newer and more innovative solutions for you.

What happened:
Fidelity is adding guaranteed lifetime income directly inside its target‑date funds — powered by Nationwide and New York Life.

Why this matters:
Target‑date funds won’t just accumulate — they’ll pay out predictable income.
Participants ages ~59½–78 can elect lifetime payouts inside the plan (no rollover headaches).
Digital tools will show real‑time income projections.
Launch expected in early 2027 — meaning the prep work starts now.

The shift is here:
People don’t want “hope.” They want certainty.
And this move forces the entire industry to rethink retirement income strategy.

Fidelity Investments® today announced plans to launch Fidelity Freedom® Lifetime

06/11/2026

So I created this video on the supposed "safety" of 401k's related to taxes.... but now this week, I'm adding a text based update.

Are you all-in on the SpaceX IPO? Ready to cheer it on?
If not, then you need to read on, because if you have a 401k, you WILL be investing in it...

I'm all for AI advancements. I use it (a service different from xAI) incredibly regularly to automate things that I either am not sure how to do, or would not want to use my time doing.
I also think space travel is neat. Flying among the stars, seeing new & exciting things "up close." Sounds cool.

But to unlock significant 401k money from everyday investors to value a company at $1.75 TRILLION, who has revenue that is 1.1 % of that ($20B) is an implosion waiting to happen (Without getting too nerdy, "seasoning windows" for major indices are as low as 5 days before they get into their indexed funds.)

Then your -20% "return" on your retirement money will need to be made up.

I'm not a doom & gloom guy, anyone who knows me deeply would attest, but what we have here (followed by similar metrics of Anthropic & OpenAI) is how we see Wall Street enriching themselves through YOUR 401k.

If you have a 401k and don't want it exposed to this, we need to talk very soon.

https://calendly.com/berrysmartmoney/15-minute-consultation

05/25/2026

We are so proud to sponsor this wonderful event and tee it up to support their cause. Please come join us!

05/18/2026

4% ... it even looks small typed out, imagine what it's doing against inflation... Enter Asset-Backed Real Estate.
An offering that provides 3 - 4 TIMES that amount, with quarterly interest payouts.
Imagine diversifying with Real Estate, completely passively.

Let's talk today and see if this fits you.

05/09/2026

The retirement rollover process is not complicated. Here's all it takes:

1️⃣ Locate & Assess — Let's find your old accounts and understand what's in them.
2️⃣ Choose Your Path — 401(k), 403(b), TSP — each has a right rollover strategy.
3️⃣ Execute & Optimize — Roll it over correctly and build from there.

That's it. Most of my clients are done in 2–3 weeks.

The longer you wait, the more you leave behind.

📍 Start Step 1 Today — Book a Free Call · link in bio.

05/08/2026

Before you roll over your old 401(k), 403(b), or TSP — run through this list.

One missed step can mean taxes, penalties, or a lost account.

Save this post. Come back to it when you're ready to move.

And when you want someone to walk you through every step — that's what I'm here for.

📋 Ready to check these off? — link in bio.

05/07/2026

Not all retirement rollovers work the same way — and the wrong move can trigger taxes and penalties.

Here's the quick breakdown:

📌 401(k) → IRA: Most common, full flexibility
📌 403(b) → IRA: Same rules, often overlooked
📌 TSP → IRA: More investment options post-service

The key? Do it correctly — direct rollover, not a check in your hands.

I guide clients through this every week. It's simpler than you think.

🎬 Save this video for when you're ready. When you are — link in bio.

05/06/2026

This client came to me with three retirement accounts from three different employers. No idea what they owned. No idea what they were paying in fees.

After a rollover: one account. One clear strategy. Thousands in projected fee savings.

This is not rare. This is what clarity looks like.

If you have old accounts from past jobs, I want to talk.

🗓️ Your consolidation story starts here — link in bio.

05/05/2026

Most professionals have 2, 3, even 4 old retirement accounts they barely think about.

→ Check out the real cost of ignoring them.

The fix isn't complicated. It's a rollover — and it can happen without taxes or penalties when done right.

👉 Book a free 15-minute call — link in bio.

05/04/2026

https://www.thestreet.com/personal-finance/fidelity-has-a-warning-for-anyone-who-left-a-401k-at-an-old-job