Stephanie Marini, CFP®, CRPC®

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172 appearances 1 recordings 1 series first heard Apr 2026 last heard 4 Apr

Stephanie Marini, CFP®, CRPC®’s voice in public audio — every appearance, attributed to the second.

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Motley Fool Hidden Gems Investing · Which Types of Investments Should You Own and Where Should You Own Them · 4 Apr 2026 podcast

There are a lot of stipulations about being, you know, 59 and a half is that big target year.

There's a little bit of 55 you might be able to access.

And again, some exceptions, but for the most part, you have to be at least 59 and a half to access penalty free from a employer qualified plan.

And I also think a limitation for most

employer-based plans are the employer is going to limit the investment options that you have.

So usually it's a good mix.

I mean, they have every employer that I've seen or worked with has had a decent offering, but you are still limited.

They're going to give, you know, maybe 10 to 30 options.

Some are now starting to offer a brokerage option, but there are few, much fewer and far between.

So being limited on that could be a downside.

Well, first the options, right?

So because it's an employer qualified plan, the employer is going to give the options available to you.

So an individual could be very limited financially.

in what goes in there but one positive of that is because the qualified plans taxes are delayed until withdrawals you can a make changes and not be worried about capital gains as you're making changes but then you also can have things like dividends that are not paid the taxes are not paid annually so i think that's something to consider when you're looking at an employer-sponsored plan

Well, I think like a brokerage account, the no restriction on investment options is a huge benefit for an IRA.

I think that having it within your control, being able to pick the investment choices, again, that you have, it helps build trust.

portfolio that you are in an individual is in control of.

So I think that is good.

There are some again, some ways to access money, especially if you're considering a Roth contributions are able to be accessed a bit earlier.

So I think that is a pro for IRAs.

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