INTRODUCING PAUL SIPPIL

What happens when a hardcore advocate for freedom starts digging into the fine print of 401k plans?

In Episode 743 of the Chiro Hustle Podcast, Paul Sippil joins the conversation to expose what most business owners, including chiropractors, never see coming. Hidden fees. Legalized kickbacks. Percentage based compensation models that quietly siphon tens of thousands of dollars from retirement accounts.

But this episode is not just about money. It is about freedom. Financial freedom. Medical freedom. Freedom of speech. And the courage to question systems that most people blindly trust.

If you have a 401k in your practice, or you plan to start one, this conversation might change how you look at retirement planning forever.

HIGHLIGHTS

• The “legalized fraud” hiding inside many 401k plans and why most doctors never see it.
  • How percentage based fees quietly compound into massive long term losses.
  • Why paying fees at the participant level instead of the practice level could be costing you and your team more than you think.
  • The difference between true advisory value and commoditized fund selection.
  • A real case study where excessive annual fees were cut from roughly $40,000 to $12,000 with better service and more transparency.
  One powerful takeaway from Paul:
  “Just because something is disclosed does not mean it is reasonable.”
  That line alone is worth the listen.

ABOUT PAUL SIPPIL

Paul Sippil, Forensic 401k Consultant

Paul specializes in analyzing retirement plans to uncover excessive fees, hidden compensation structures, and inefficiencies that most business owners never question. His work focuses on transparency, fairness, and empowering employers to design plans that truly serve their teams.

From Our Sponsors and Partners

JAMES CHESTER (HOST):  You made it to Chiro Hustle! Sit back and learn from the greatest influencers in the profession on the world’s number-one chiropractic podcast. Before we dive into this powerful episode, please remember to subscribe to our channels and give us a 5-star rating on iTunes to continue hustling.

This episode is brought to you by…

Peach State Payments – Ethical Processing. More Profit, Less Stress
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Do you want to support The Sacred Trust and uphold a Subluxation model without the grind of launching a new project? Visit our Patreon, choose the tier best suited for you. That way we can continue keeping “The Big Idea” strong, supporting speech, medical, and family health freedoms.

Now let’s hustle!

DIVING INTO …

DIVING INTO THE HIDDEN COST OF COMPLACENCY

Paul shares how he stumbled into this niche by reviewing public Department of Labor filings and discovering eye popping service charges embedded inside retirement plans.

The shocking part was not just the fees. It was the reaction.

When he alerted business owners that they were being overcharged, many responded with comfort instead of concern. “My advisor is taking care of that.”

Sound familiar?

Whether in healthcare or finance, blind trust in authority without scrutiny can become expensive. This episode challenges that comfort zone.

DIVING INTO FREEDOM, DECENTRALIZATION, AND CRITICAL THINKING

This conversation goes beyond spreadsheets.

Paul identifies as a libertarian and strongly advocates for freedom of speech and medical freedom. He argues that more transparency and more open debate, not centralized control, lead to better outcomes.

James leans into this theme.

If we do not question systems, whether in healthcare or wealth management, we default to whatever narrative is most convenient. Regulations alone do not protect you. Disclosure does not equal fairness.

The same mindset that protects patient autonomy must also protect financial autonomy.

DIVING INTO WHAT THIS MEANS FOR CHIROPRACTIC PRACTICES

For the subluxation based, cash driven, freedom minded chiropractor, this topic hits home.

If you are the founder of your practice, you likely hold the largest balance in your plan. That means you may also be paying the largest share of unnecessary fees.

Paul breaks down practical strategies:

• Solo 401k options for new practice owners.
• When to prioritize debt repayment versus retirement contributions.
• Why negotiating fixed advisory fees may make more sense than asset based percentages.
• How eliminating participant level fees can become a powerful recruiting tool.

One percent may not sound like much. Over decades, it can translate into tens of thousands of dollars and a significant percentage of your final retirement balance. That is not a rounding error. That is a life decision.

DIVING INTO THE ANALOGY THAT CONNECTS HEALTH AND WEALTH

One of the most compelling parts of this episode is the analogy between blood work and financial performance. Just because your markers are “normal” does not mean they are optimal.

Just because your 401k fees are similar to other practices does not mean they are fair. Average is not the goal. In health or in finance, comparing yourself to a broken baseline creates a false sense of security.

That theme alone makes this episode more than a money conversation. It is a mindset conversation.

FINAL TAKEAWAY

Systems deserve scrutiny. Whether it is healthcare policy, speech regulation, or retirement planning, you do not know what you do not know.

But once you see it, you cannot unsee it. You are just one story away. Keep hustling.

HASHTAGS

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