401(k) Distribution Planning – Scott Fisher, CFA®, CFP®, Waverly Seattle
In this video from Scott Fisher, CFA®, CFP®, Institutional and Retirement Plan Advisor in the Seattle, Washington office of Waverly Advisors, LLC, he discusses 401(k) distribution planning and why the timing of when you plan to use your retirement assets may matter more than your age.
Scott explains how today’s participant-directed retirement plans evolved from traditional pension systems and how features like automatic enrollment and target-date funds shape investment decisions. He explores why many default investment strategies assume distributions begin at age 65, even though many individuals do not plan to use their 401(k) assets until much later. The video highlights the importance of aligning investment decisions with actual distribution timelines, required minimum distribution rules, and long-term income planning goals.
This educational video is designed to help participants better understand how investment strategy and distribution planning can work together to support retirement income over time.
To Reach Scott:
Email: [email protected]
Phone: 206.537.5935
Waverly Advisors’ Seattle, Washington Office: https://waverly-advisors.com/offices/seattle-wa/
450 Alaskan Way S,
Suite 500, Seattle,
WA 98104
For important disclosures, please visit:
https://waverly-advisors.com/otherimportantdisclosure
Video recorded on: Monday, December 22, 2025
Music Credit:
Song: Olif — Be Yourself
Music provided by Vlog No Copyright Music.
Video Link: https://bit.ly/3u2ON9O