Saving for Retirement Beyond Your 401(k)

For many people, a 401(k) is where retirement planning begins, but building long-term financial security often requires a more thoughtful, coordinated approach.

In this session, Shawn Glogowski, CEL '19, BA '06, CFP® EA, will walk through how to structure your savings beyond your 401(k) using a practical “bucket strategy” designed to support both today’s needs and tomorrow’s goals. You’ll learn how to think about short-, mid-, and long-term investments, where different accounts like HSAs, Roth IRAs, and brokerage accounts fit, how to “pre-budget” for major upcoming expenses, and develop a cash-flow plan.

Through real-life examples, this session will help you see how a well-structured plan can bring clarity, flexibility, and confidence to your financial future so your retirement strategy is in line with your long-term goals.

About Shawn Glogowski
Shawn Glogowski, CFP, EA, is the Co-Founder and Principal at Note Advisors, an independent wealth management firm designed to help individuals and business owners think about money not just as an asset to grow, but as a tool to build a meaningful life.

Passionate about empowering others, Shawn enjoys sharing his expertise with those ready to achieve their personal and business goals. He specializes in crafting, executing, and monitoring customized financial plans that align with both individual and business aspirations, covering areas such as investments, taxes, retirement, and estate planning.

Outside of his work, Shawn is deeply involved in his community. He serves as the Director of the Buffalo Renaissance Foundation, Co-Chairs the WNY chapter of Tee it Up for the Troops, and serves on the board of the Ronald McDonald House Charities of WNY.

A proud Buffalo native and graduate of UB, Shawn values family above all else. He enjoys spending quality time with his wife, Sarah, and their two daughters, Addison and Olivia.