From 401(k) Balance to Retirement Paycheck
• 12:15PM - 12:45PM • Workshop Room 3
A 401(k) shows how much you’ve saved—but not how you’ll get paid. This session explains why traditional plans fall short and how income-focused design helps business owners build real retirement security.
Presented by:
Josh Anderson Nestimate
Joshua Anderson, CFA, is a retirement plan strategist and Registered Investment Advisor who helps small business owners turn 401(k) plans into real retirement income strategies.
He is the Chief Operating Officer of Nestimate Investment Management LLC, where he focuses on designing retirement plans that go beyond account balances and are intentionally built around outcomes, income, and long-term retirement security. His work centers on helping business owners reduce taxes, manage fiduciary risk, and convert retirement savings into sustainable retirement paychecks.
Joshua is the creator of the American Defined Ambition Plan, a modern framework that rethinks traditional 401(k) plans as in
Joshua Anderson, CFA, is a retirement plan strategist and Registered Investment Advisor who helps small business owners turn 401(k) plans into real retirement income strategies.
He is the Chief Operating Officer of Nestimate Investment Management LLC, where he focuses on designing retirement plans that go beyond account balances and are intentionally built around outcomes, income, and long-term retirement security. His work centers on helping business owners reduce taxes, manage fiduciary risk, and convert retirement savings into sustainable retirement paychecks.
Joshua is the creator of the American Defined Ambition Plan, a modern framework that rethinks traditional 401(k) plans as incomplete retirement solutions unless they are deliberately designed for lifetime income. The approach blends fiduciary best practices, retirement income analytics, and practical implementation for small and mid-sized businesses.
In 2025, Nestimate was awarded a Wealth Management Award for Best In-Plan Retirement Income Product or Service and was also named a finalist in the Innovation Platforms category, recognizing its leadership in advancing outcome-focused retirement solutions.
Joshua regularly speaks to business owners, advisors, and industry groups on retirement income design, SECURE Act changes, and how to close the growing retirement income gap.