Podcasts about 403b

#SafeMoney #JonHeischmanSr #SocialSecurityIncomeIn this week's episode, host Jon Heischman, Senior asks and answers the question, "is Social Security your missing link"; as part of your income retirement plan. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

Retirement account balances fell during the first quarter of 2026 as market volatility weighed on investors. Despite the decline, Fidelity reports that savings rates reached record highs and many Americans increased their retirement contributions. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

#SafeMoney #JonHeischmanSr #LowTaxIncomeJoin host Jon Heischman, Senior as he discusses how to generate income during your retirement years while keeping your tax burden low.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information. 

Friend-of-the-pod Tim McGregor stops by to celebrate the re-release of HEARTS STRANGE AND DREADFUL, in which an orphan with unusual abilities in 1821 New England must confront the dark forces which have invaded Wickstead, or all who live there may be lost…their souls included.

Tuesday – We talk Tiger, drugs and his purity personality, a plane lands on water, the country that sleeps better, and an update on Jim's missing nephew. We review Love, the 1985 album from The Cult for WYDTN. It's Only Money with Scott Brown with Edgewater Family Wealth on the SpaceX IPO, 403B, and your 401K. Plus, JCS News, JCS Trivia & You Heard it Here First. See omnystudio.com/listener for privacy information.

Tuesday – We talk Tiger, drugs and his purity personality, a plane lands on water, the country that sleeps better, and an update on Jim's missing nephew. We review Love, the 1985 album from The Cult for WYDTN. It's Only Money with Scott Brown with Edgewater Family Wealth on the SpaceX IPO, 403B, and your 401K. Plus, JCS News, JCS Trivia & You Heard it Here First.

#SafeMoney #JonHeischmanSr #LifeInsuranceJoin host Jon Heischman, Senior as he discusses the life insurance secondary market in this week's episode.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information..

#SafeMoney #JonHeischmanSr #TheRightAnnuityJoin host Jon Heischman, Senior as he explores how to select the right contract for an annuity investment.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

SafeMoney #JonHeischmanSr #DisappearingPensionJoin host Jon Heischman, Senior as he discusses the trend of the disappearing pension. In years past when domestic manufacturing was high, many retired on a company pension. Today some still do exist, but they few and far between.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

Send us Fan MailNJ high school teacher is married to NJ high school EC teacher. Before having their first child, they caught the FIRE bug in their early to mid twenties. They didn't do it forever, but they lived on a very modest 40k per year in annual spending for a handful of years while investing around 80K each year (combined). This early maximization caused them to become teacher millionaires before the age of 35. After having a daughter and moving from being renters to homeowners, they no longer invest at such a high rate, but they don't have to. They are now COAST FI. Projection LabNectarine 

#ThisMorning | How to #Rollover Your #401k (or #403b or #457b) to an #IRA | Ben Norquist, Convergent Retirement Plan Solutions | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

#SafeMoney #JonHeischmanSr #LevelOfLiquidityJoin host Jon Heischman, Senior as he discusses how to access money in emergency situations without withdrawing from qualified accounts, which are meant for retirement.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

#SafeMoney #JonHeischmanSr #TaxDiversificationJoin host Jon Heischman, Senior as he discusses tax diversification as it relates to retirement planning.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

In this insightful episode of the Clarity Podcast, host Aaron Santmyire engages in a compelling dialogue with Scott Larson, a renowned tax expert specializing in the financial intricacies faced by pastors and missionaries. The conversation revolves around Larson's pivotal work, 'The Tax Man Cometh', which serves as a comprehensive resource aimed at elucidating the complex tax landscape that ministers must navigate. Larson articulates the critical need for pastors to understand their tax responsibilities, particularly the distinction between their roles as employees and self-employed individuals under the tax code. He sheds light on the prevalent misconceptions that hinder many in ministry from making informed financial decisions. For instance, Larson reveals that many pastors rely on anecdotal advice from peers rather than consulting qualified tax professionals, which can lead to detrimental financial missteps. He emphasizes that this reliance on informal networks often results in confusion and fear, particularly regarding self-employment taxes and the implications of housing allowances. As the discussion progresses, Larson underscores the importance of proactive tax planning and the necessity for pastors to seek out knowledgeable advisors who can help them structure their financial affairs. He advocates for a shift towards greater financial literacy within the ministry, positing that a deeper understanding of tax laws not only aids in compliance but also empowers ministers to optimize their financial health. This episode ultimately serves as an essential guide for those in ministry, equipping them with the knowledge and confidence to navigate their tax obligations effectively.Takeaways: This podcast episode emphasizes the critical importance of understanding financial realities for missionaries and ministers. Scott Larson provides invaluable insights into navigating the complexities of taxation for religious leaders, which is often misunderstood. The discussion highlights the misconceptions that many pastors have regarding their tax liabilities and the importance of proper tax planning. Listeners are encouraged to consider their financial futures by actively engaging in retirement planning through vehicles like 403B accounts. The episode underscores the necessity of professional guidance, as many pastors receive inadequate tax advice from unqualified sources. Emphasizing proactive financial stewardship, Scott Larson stresses the significance of accurately reflecting one's ministry in tax filings.

#SafeMoney #JonHeischmanSr #SequenceRiskNot sure what "sequence risk" means to your retirement plan? Join host Jon Heischman, Senior in this episode as he gives an updated explanation.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

Jim and Chris discuss listener emails on IRMAA appeals using Form SSA-44, avoiding the 10% early withdrawal penalty, and whether a 403(b) distribution can be rolled into an IRA. Jim also manages to turn a discussion on Superbowl food to a conversation on retirement planning for the Go-Go phase of life (with a few other stops in between). So, if you typically skip the banter you may want to tune in around (10:10) for that discussion. (16:30) George shares his experience repeatedly filing Form SSA-44 to correct IRMAA determinations and explains how Social Security processed and applied his updated income information. (35:00) A listener asks whether a qualified annuity can be used instead of a 72(t) series of substantially equal periodic payments to avoid the 10% early withdrawal penalty. (1:04:45) The guys discuss whether 403(b) distributions can be completed as 60-day rollovers into Traditional and Roth IRAs, and whether a custodian could refuse to accept the rollover. The post IRMAA, Early Withdrawal Penalty, 403b Distributions: Q&A #2606 appeared first on The Retirement and IRA Show.

There are important changes coming to 401 (k), 403 (b), and 457 retirement plans in 2026, so I'm focusing on how these updates may impact catch-up contributions for individuals over age 50. With the Secure Act 2.0 on the horizon, higher earners will soon have to make their catch-up contributions as Roth (post-tax) rather than pre-tax contributions, potentially affecting their take-home pay and tax strategies. Tune in as I walk you through what you need to know, how to prepare for these new rules, and actionable steps to make the most of your retirement savings.  You will want to hear this episode if you are interested in... [00:00] 2025 retirement contribution limits. [05:26] Roth 401(k) catch-up contribution. [08:05] 2026 salary tax example analysis. [11:37] Tax impact on pre/post contributions. [14:20] Tax-free Roth options. Navigating the 2026 Catch-Up Contribution Changes Employer-sponsored retirement plans, such as 401(k), 403(b), and 457, have long offered "catch-up contributions" for participants aged 50 and above. These extra contributions serve as a valuable tool for bolstering retirement savings during peak earning years. The catch-up contribution limits for 2025 will allow participants to contribute an additional $7,500 on top of the standard $23,500 annual maximum, totaling $31,000. There's also a "super catch-up" for those aged 60-63, which jumps to $11,250. But starting in 2026, the Secure Act 2.0 introduces a pivotal change: If you earned over $145,000 in 2025: You'll be required to make catch-up (and super catch-up) contributions after tax to Roth accounts, not as pre-tax traditional contributions. For those earning under $145,000, it's business as usual; you can still make catch-up contributions pre-tax if you choose. How These Changes Impact Retirement Savers The biggest impact? High-income earners will see an immediate difference in their take-home pay. Traditional pre-tax contributions typically reduce taxable income in the year made, lowering both federal and state taxes. Roth contributions, however, do not offer this upfront tax savings; instead, they provide tax-free withdrawals in retirement. This means that someone earning $170,000 could see their annual tax bill rise by nearly $2,300 when $8,000 of their retirement saving shifts from pre-tax to post-tax Roth dollars. If you earn even more, say, $300,000, the annual difference climbs above $3,500, all while saving the same amount. The tax diversification benefit of Roth accounts remains, but the immediate budget hit is real. Preparing for the 2026 Transition These are my top tips for getting ready for 2026: 1. Check Your Plan's Roth Options: Verify with your HR or retirement plan administrator whether your employer plan supports Roth 401(k) (or equivalent) contributions. If it doesn't, advocate for plan amendments, employers have until 2026 to comply. 2. Assess Payroll Impact: Use online paycheck calculators to estimate your net pay under the new rules.. 3. Consider Alternatives if Roth Isn't Available: If your employer doesn't offer Roth options, you can still open a Roth IRA, though income limits may apply. Those exceeding these limits can explore the "backdoor" Roth IRA strategy or even simply invest in a taxable brokerage account with tax-efficient ETFs. The Long-Term Upside of Roth Savings While losing the immediate tax break feels like a setback, forced Roth contributions offer unique advantages: Tax-Free Growth: Money in Roth accounts grows tax-free, and withdrawals are also tax-free. Estate Planning Boost: Funds left in Roth accounts can pass to heirs with minimal tax consequences. Retirement Flexibility: Roth assets aren't subject to required minimum distributions (RMDs) during the account owner's lifetime. A consistent series of $8,000 annual Roth catch-up contributions, invested over a decade at 6-8% returns, could grow to $105,000 - $115,000 tax-free, with possible doubling over the next two decades if left untouched. Change is coming to catch-up contributions for high earners, beginning in 2026. By understanding these new rules and taking proactive steps now, you can minimize disruption and position yourself for long-term retirement success. The road to retirement is always evolving, make sure your strategy evolves with it. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Salary Paycheck Calculator – Calculate Net Income  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Barb O'Neill, CFP®, AFC®, walks us through 403(b) withdrawal strategies in retirement. Transitioning From 403(b) Saver to Post-Career Spender (blog post w/resources) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

We had a blast speaking with North Carolina educator/retirement plan advocate, Daniel Noles. Not only is he helping colleagues get wise to saving for retirement, he makes his own kids listen to our pod. But don't hold that against him! As he closes in on retirement he's considering a second act as a financial advisor.  Gaston County Schools - D plan but excellent 457(b) option Educator Turned Advisor Mary Ann Sullivan Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Jeff Santoro is an educator from New Jersey and Jason Hall is a financial writer and analyst. Together they host the Investing Unscripted podcast. We talk about getting wise to saving, music, and even engage in a little stock picking.    Investing Unscripted West Windsor-Plainsboro Regional School District Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

We share our recollections of, and interactions with, the former Wall Street Journal columnist, founder of HumbleDollar.com, and friend of 403bwise.   No Regrets Farewell Friends Thank You, Jonathan Podcast with Jonathan Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Our guest, Danny Kofke, is a jack-of-many-trades: elementary school teacher for 18 years, author of 6 books including Where to Spend. Where to Save. A Teachers Guide to Managing Your Finances, and Director of Training and Outreach for the Southern Education Retirement Consortium.  Danny Kofke Where to Spend, Where to Save: A Teacher's Guide to Managing Your Finances Southern Education Retirement Consortium Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Student loan guru and former teacher, David Gurley, who we have dubbed the "Loan Ranger," returns to update us on the ever-changing world of student loans.  K-12 Planning studentaid.gov Student Loan Planner Student loan repayment plans have shifted — and more changes are ahead. Here's what borrowers need to know (CNBC) Student Loans Are About to Look Very Different (NY Times) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Charly Stoever (they/he/papi) is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement, without needing a six figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is full time international pet sitter. Charly provides tips for new social workers on what to look for regarding benefits offered by employers (i.e 403B). Charly also provides ways social workers can find communities to learn more about personal finance. Charly also provides tips to build a solid financial foundation for 2026 like be concious of spending, learn to budget and increase income while decreasing expenses. Instagram: @travelercharlyWebsite: www.unicornmillionaire.com The podcast is sponsored by Bas Moreno Consulting providing financial education and counseling for people of color in the #sandwichgeneration who are struggling with their finances while caregiving. To book a free 45 minute consultion use this link: https://calendly.com/basmoreno/consultationFollow the podcast on Instagram: https://www.instagram.com/thesocialworkrantspodcastThe podcast is hosting its 1st live event in over a year. Join me on October 4th in NYC to celebrate Hispanic Heritage Month and 5 years of the podcast. Get your tickets here: https://www.eventbrite.com/e/the-social-work-rants-podcast-live-celebrating-hispanic-heritage-month-tickets-1625829191879?aff=oddtdtcreator

Discover why 401k millionaires hit an all-time high. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

The managing director for Morningstar Research Services and the author of the Substack column Basis Pointing, Jeff Ptak, talks saving and investing.  It's So Simple Substack: Basis Pointing Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

The One Big Beautiful Bill Act (OBBBA) has a lot of pieces, some of which affect educators. Barbara O'Neill gives us the 411 on this legislation.  An OBBBA Summary for 403(b) Plan Participants Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Lucretia Ryan of FinancialFreedomforWomen.org walks you through the questions to ask to determine when to take Social Security. This is a recording of a 403bwise.org Event that occurred on August 19, 2025. FinancialFreedomforWomen.org Presentation Slides Most Americans Claim Social Security at the Wrong Time Podcast: Dirty Little Secrets of Medicare “Advantage” Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

#ThisMorning #Retirement | Will #2025 Mark the #Inclusion of #CollectiveInvestmentTrusts #CITs in #403b #Plans? | Tim Rouse, The SPARK Institute, Chris Gaston, Davis & Harman and Jason Levy, Great Gray Trust Company | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

Nick Maggiulli, Chief Operating Officer for Ritholz Wealth Management, discusses his blog Of Dollars And Data and his new book The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life.  The Wealth Ladder Of Dollars And Data Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Long-time educator, basketball coach, and personal finance instructor, Julius Prezelski, discusses teaching, coaching and his recent retirement. Long Time Basketball Coach Fin Lit Educator Retires Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Dan and Scott drop hint about new project they are working on. They also talk about their recent vacations, and the importance of choosing the right teaching location.   Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

More than 20 years ago legislation (AB2506) was proposed to allow California school districts who wanted to reform their 403(b) plan to be able to reform their 403(b) plan. The industry hated the proposal. It threatened their multi-vendor, high-cost, agent-driven model. We speak with former TIAA-CREF Regional Manager, Dick Shafer, whose company spearheaded the effort to fix the broken California K-12 403(b) plan.   California Dreaming (of better 403(b) plans) Dick Shafer Green Light for Single Vendor 403(b) Plans in California 403bcompare.com 403bwise Facebook Group 403(b) & 457(b) Basics: How to start a 403(b) (pod) 403(b) & 457(b) Basics: Asset Allocation (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In this episode, host Jannese Torres dives into the inspiring journey of Gabby, a 46-year-old teacher aiming to retire by 57. Discover how Gabby transformed her financial landscape by maxing out her 403B and Roth IRA, investing in index funds, and strategically planning her retirement. Jannese shares expert insights on optimizing contributions, understanding withdrawal strategies, and the importance of asset allocation as retirement approaches. Tune in to learn how you can take control of your financial future and make early retirement a reality.Need help creating your financial freedom plan? Book Your Investor Power Hour CallWant your question answered on the show? Ask your question here!More from YQD™:Full show notes: Visit our blog.Watch the full interview on YouTube — don't forget to subscribe!Grab my book Financially Lit! in English or Español.Ready to level up? Learn more about our signature programs.This episode is sponsored by BetterHelp — Get 10% off your first month: betterhelp.com/dinero Hosted on Acast. See acast.com/privacy for more information.

Equitable fires agent who threatened teacher. Delaware has an excellent low-cost, state-run 403(b) plan. We discuss.  Equitable Agent Threatens Teacher (blog) Equitable Agent Threatens Educator (pod) Truth About SIOs (pod) 403bwise Facebook Group 403(b) & 457(b) Basics: How to start a 403(b) (pod) 403(b) & 457(b) Basics: Asset Allocation (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In episode three of our new pod series: 403(b) & 457(b) Basics, Scott and Dan explain how to get exit a bad 403(b). It's often difficult but very possible.  Stuck in a Bad 403(b)? How to Get Out of Equitable/AXA Bad 403(b) Vendors w/Good Choices 403bwise Facebook Group 403(b) & 457(b) Basics: How to start a 403(b) (pod) 403(b) & 457(b) Basics: Asset Allocation (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

We check in with Jeff York on how retirement's going and discuss his attempts to hire an estate fiduciary who would act as the trustee of his estate.   The Wealthy Custodian (pod) The Wealthy Custodian in Retirement (pod) Questions to Ask a Professional Fiduciary  Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

No doubt that summer is a great time to relax. It can also be a good time to make sure your financial house is in order. Dan & Scott discuss wise money moves, and Dan talks about taking out his first ever car lease.  State of Student Loans? Chaos (pod) The Importance of Asset Allocation  Tripit Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Plan consultant Barbara Healy, CFP® and her colleague Jackie Fabitore-Matheny, had the solution to what woes the K-12 403(b) more than 25 years ago. Imagine if districts had listened? We talk with Barbara about what could have been (and what might still be).  Barbara Healy EGTRRA Industry Lobbyist Brian Graff Describes How Many Vendors His Retirement Plan Has (1:03 mark) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Brotherhood. Community. Jeremiah uses episode 58 to express his extreme gratitude for teams, friendships, and giving back.

Student loan expert and financial planner David Gourley updates Dan and Scott on the volatile state of student loans (particularly PSLF loans) right now.  K-12 Planning Public Service Loan Forgiveness Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Tennessee passes an anti-pubic employee law that will subject teachers and others to private company financial sales pitches. We break it down into three parts: 1) What it is 2) What we dislike about it 3) What teachers and state employees should do. Tennessee Throws Teachers to the Wolves (Blog Post) Tennessee Legislators Illegally Voting with Sticks (John Oliver) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Who better to make sense of the tariff situation than one of our favorite guests, Cullen Roche, economist, and founder and chief investment officer of the Discipline Funds, a low-fee advisory firm.    An Autopsy of American Exceptionalism Three Things - China Deal Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Scott finds out just how much commission Equitable salespeople get for selling EQUI-VEST products. No wonder they fight reform so hard. No wonder they love to initiate exchanges.  The Price of Enrollment Podcast on SIOs Plan Fee Disclosure Form for University of Jamestown Equitable Plan Fee Disclosure Brochure Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Who better than best-selling author Morgan Housel to help put April's market volatility in perspective? Well we couldn't get Morgan on the pod but we have the next best thing: Morgan Houselisms! Enjoy.  First 100 Days of Trump 2 Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Retired Los Angeles Unified School District teacher, principal and district administrator, Mary Ann Sullivan, is now officially a CFP®! Not only that, she is opening an advice-only, fee-only firm.  Note: Mary Ann meant to say that the number of experience hours needed for a CFP® is 4,000 for apprenticeship and 6,000 for standard pathway (not the 2,000 and 4,000 hours respectively that she mentioned in interview). 395 Financial Planning Retired Teacher Pays It Forward (Maggie Mason/Santa Barbara) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In episode two of our new pod series: 403(b) & 457(b) Basics Scott and Dan look at asset allocation. They describe what it is, why it's important and they go over several strategies for allocating a 403(b) and a 457(b).  Importance of Asset Allocation by Barb O'Neill The Price of Peace: Why diversification is difficult, but necessary by Nick Maggiulli Risk Tolerance Assessment Cullen Roche Discipline Funds Basics of the 403(b) & 457(b): How to start a 403(b) (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Barbara O'Neill, PhD, CFP, AFC, owner/CEO of Money Talk: Financial Planning Seminars and Publications, and a monthly columnist for 403bwise talks spring cleaning your personal finances.  Spring cleaning is more than deep cleaning and decluttering. It is a great time to neaten up your finances.  Spring Cleaning Your 403(b) and Personal Finances The Truth About So-Called "No Fee" Products Meridian Wealth Management 403bwise.org

Nicole and Larry Dubill, two Buffalo, NY area educators, share passion for education, music, and 403(b) advocacy.  Cleveland Hill School District 403(b/457(b) Vendor List Hamburg Central School District 403(b)/457(b) Vendor List The Truth About So-Called "No Fee" Products Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Teacher who sought to educate colleagues about the 403(b) gets threatening email from Equitable. We read and discuss correspondence. Read the letter The Truth about Structured Investing Options (SIOs) Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).