In this episode of Retirement Roadmap, we're diving into the lesser-known downsides of the 401(a) retirement plan. While it’s a solid option typically offered by government and nonprofit employers, a 401(a) plan isn’t without its drawbacks. We’ll explore the most significant cons, including limited investment choices, mandatory contributions, and the challenge of portability when switching jobs. We’ll also discuss how employer control over these plans can affect your retirement strategy, as well as the potential for higher fees and tax implications for early withdrawals. Whether you're considering a 401(a) or are already enrolled, tune in to get the full picture and learn how these cons could impact your financial future.