Podcasts about IRAS

What you'll learn in this episodeHow to use self-directed IRAs for real estate and private dealsThe difference between recourse and non-recourse loansWhy 30% of Americans own their homes free and clear—and how that unlocks hidden capitalHow HELOCs can be powerful investment toolsWhy millionaires often drive F-150s, not LamborghinisHow to identify hidden wealth in your own network Strategies to create win-win opportunities and grow wealth together  To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan RochonTeach to Sell Preorder: Teach to Sell: Why Top Performers Never Sell – And What They Do Instead

What is the best way for limited partners (LPs) to protect themselves when investing in real estate? In this episode, Jeannette Friedrich explores five of the most common structures investors use, each with different implications for liability, taxes, and legacy planning. Whether you are new to multifamily investing or looking to refine your approach, this discussion outlines the key trade-offs to consider so your investments align with your long-term goals. Key Takeaways: - Why investing as an individual is simple but limited in terms of liability and estate planning- How Joint Tenants with Rights of Survivorship (JTWROS) provides continuity of ownership and tax advantages for couples- The role of LLCs in separating personal and investment finances while offering greater liability protection- How trusts support legacy planning and the differences between revocable and irrevocable structures- Ways retirement accounts like 401(k)s and IRAs can be used for real estate investments, along with their tax benefits and diversification potential Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

Don't forget to grab your free book! www.TheMichaelBlank.com/QRPMost people don't know this—but you can invest your IRA or 401(k) in real estate instead of leaving it trapped in mutual funds. In this episode, I'm joined by Damion Lupo, founder of eQRP, to explain exactly how to unlock your retirement savings and use them to invest in apartments, storage, and more. We walk through the process step-by-step, dispel common myths, and show you how to avoid one of the biggest tax traps most investors don't even see coming: UBIT. Whether you're a passive investor or a GP raising capital, this is a must-listen.Key TakeawaysWhy Most Investors Don't Know About ThisFinancial advisors don't promote these options because they lose fees when you take control.Most investors have old 401(k)s or IRAs they've forgotten about—but those funds are eligible for self-direction.Online platforms like Schwab and Fidelity won't show you the option to invest in real estate—you have to know to ask.How Self-Directed Accounts Actually WorkSelf-directed IRAs and solo 401(k)s give you full control—you can invest in real estate, crypto, gold, and more.The right setup gives you checkbook control and removes delays caused by custodians.Solo 401(k)s (like EQRPs) offer faster transactions, better flexibility, and fewer limitations than traditional IRAs.The UBIT Tax Trap—and How to Avoid ItUsing leverage in real estate deals inside a self-directed IRA can trigger UBIT—up to 40% in surprise taxes.Solo 401(k)s are exempt from UBIT, even in leveraged deals.You can convert from an IRA to a solo 401(k) before the deal sells to avoid the tax completely.Smart Strategies for Passive and Active InvestorsPassive investors can use these accounts to invest in syndications—earning tax-free or tax-deferred returns.Active investors (GPs) can raise more capital by educating others on how to invest through their retirement accounts.Damion's team offers tools like books, webinars, and white-glove onboarding to help GPs guide investors through the process.Rules, Limits, and Legacy PlanningYou can't use these accounts to buy personal assets, rehab your own property, or benefit directly from the investment.You can borrow up to $50K from your solo 401(k) for any reason and pay yourself back—with interest you choose.Setting up retirement accounts for parents or family members can create powerful tax-free legacy wealth.Roth solo 401(k)s allow real estate investing with leverage and no taxes on gains—making them the most powerful tool in the tax code.Connect with Damion LupoGET A FREE BOOK www.TheMichaelBlank.com/QRP Connect with MichaelFacebookInstagramYouTubeTikTokResourcesTheFreedomPodcast.com Access the #1 FREE Apartment Investing Course (Apartments 101)

Visit us on YouTube: https://www.youtube.com/@MartinWealth Learn more: martinwealth.com Retirement doesn't have to be complicated. In fact, the more complex your money and your life become, the more stress, confusion, and mistakes creep in. In this episode of the Smart Wealth and Retirement podcast, Jim Martin and Casey Bibb break down how to simplify retirement — both financially and personally — so you can spend less time managing the details and more time enjoying what matters most. Jim and Casey share why the happiest retirees aren't the ones juggling dozens of accounts, spreadsheets, and investment products. Instead, they've learned to keep their plans clear, organized, and easy to follow. From consolidating accounts to streamlining portfolios, automating income, and reducing clutter in both paperwork and life, this episode is all about cutting through the noise. The conversation also goes beyond dollars and cents. You'll hear how simplifying your calendar, your commitments, and even your home can bring peace of mind and create space for the relationships, hobbies, and experiences that make retirement meaningful. What you'll learn in this episode: Why consolidating accounts can reduce confusion, risk, and even fees How to streamline your investments so they actually serve your income needs The power of automating withdrawals and RMDs to avoid stress and penalties How proactive tax strategy can prevent costly surprises later on Why decluttering paperwork, schedules, and even your home leads to more freedom The benefits of a simple, one-page financial plan over an 84-page binder you'll never read Retirement isn't about doing less or shrinking your life — it's about focusing on what really matters and removing what doesn't. By simplifying your money and your days, you gain the clarity and confidence to live fully, without second-guessing every move. If you're ready to make your retirement less complicated and more fulfilling, this episode will show you the first steps. Want to work with us? Visit us on YouTube: https://www.youtube.com/@MartinWealth Learn more: martinwealth.com 00:00 Introduction and Welcome 01:02 Why 401(k)s Are a Cornerstone of Retirement Planning 02:40 2025 Contribution Limits & Catch-Up Provisions 05:10 Employer Matches: Don't Leave Free Money Behind 07:45 The Roth vs. Traditional Decision 10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans 14:55 Taxable Investment Accounts and Flexibility in Retirement 18:22 Common Mistakes Pre-Retirees Make with Their Savings 21:05 Real-World Stories from Client Experiences 24:50 Putting It All Together: Building a Retirement Savings Strategy 27:33 Closing Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Proud partner of the MEK K SHOW community — Protect what you've built and secure what comes next with Estate Planning Inc. Guaranteed income, lasting legacy, and financial freedom on your terms. Learn more here ➝ https://www.estateplanninginc.net/the-mel-k-show In this episode of The Mel K Show, I am excited to introduce my friend Jamie Copley to the audience for the very first time. Jamie is someone Rob and I have been traveling with for years as part of the ReAwaken tour, and after finally sitting down with him over dinner, I realized that what he does is something my audience needs to hear about right now. With all of the chaos in the financial system, from the corruption of international banking to the debt slavery model our country has been trapped in since 1913, it is more important than ever that families have real solutions for securing their futures. Jamie has been working in estate planning for more than 30 years. After decades of helping families safeguard their wealth and protect their legacies, he now works exclusively with clients connected to this movement, including those who follow my show and our friends at His Glory. His mission is clear: to prevent loss, protect retirement, and ensure that families are not left vulnerable in an unstable economy. We talk about how most Americans have been told their entire lives to save for retirement through 401(k)s, IRAs, or pension plans. But what they have not been told is how exposed those accounts are to market manipulation, inflation, and government overreach. Jamie explains how families can shift from simply “saving” to actually securing their assets in ways that are insulated from the volatility we are seeing all around us. This is not just financial theory. It is practical, proven strategy that Jamie has used for decades to help families avoid devastating losses. He shares real-life examples of how planning properly today can protect not only income but also homes, businesses, and inheritances for future generations. His focus is on empowering people with knowledge so they can make decisions that bring peace of mind instead of constant worry about the next market crash or government policy change. Here is what you will learn in this episode: Why traditional retirement savings plans leave families vulnerable How estate planning can protect income, assets, and inheritance from unexpected loss Why now is the time to take action as the financial system faces major upheaval Practical steps families can take to secure their futures and create stability How Jamie Copley has helped thousands of families over 33 years of experience Our conversation is about more than financial security. It is about breaking free from a system designed to keep people dependent and vulnerable. Jamie's heart is in helping families take back control, shield their wealth, and prepare for an uncertain future with confidence. For anyone worried about retirement, legacy, or simply keeping what you have worked hard to build, this episode is essential. Jamie's insights will give you tools to protect your family and peace of mind in the middle of financial chaos.

In this Friday Q&A edition, Don fields listener questions on rolling over a large 401(k) after a layoff, whether IRA money should ever be used to buy real estate, Vanguard's new active ETF offerings, choosing between Vanguard and Schwab 2035 target-date funds, and whether to treat a foreign apartment purchase as part of an investment portfolio. Along the way, he highlights diversification benefits, cautions against high-cost self-directed IRAs, and emphasizes that homes are assets but not investments. 0:04 Friday intro, royal “we,” and reminder on how to submit questions 1:42 Scott from Louisiana: rolling over a $1M retirement account after layoff 4:07 Scott's follow-up: using IRA funds to buy real estate 5:42 Caller asks about Vanguard's new active ETFs and why indexes still win 8:02 Sylvia from Connecticut: comparing Vanguard vs Schwab 2035 target-date funds 11:12 Caller from Colombia: whether to factor a paid-off foreign apartment into portfolio allocation Learn more about your ad choices. Visit megaphone.fm/adchoices

What does retirement and financial planning look like when you're 25? And, why should young people start caring about it now? In this episode of #GenZ,  Dr. Meghan Grace is joined by Zechariah Schaefer, founder of Ascent Personal Finance, to explore what financial planning and retirement preparation actually means for Gen Z. This conversation dives into how today's Gen Z professionals are redefining success, blending purpose with planning, and seeking financial strategies that truly fit the life they want to live today and in the future. Zechariah shares his personal story—from growing up around Wall Street to launching his own advice-only wealth firm designed specifically for high-earning Gen Z and Millennial clients. Together, Meghan and Zechariah uncover how young people today are navigating wealth-building with intentionality, flexibility, and a healthy skepticism of outdated financial norms. You'll leave feeling empowered to reflect honestly on your finances and your future. Zechariah leaves us with simple, practical insights: Money is your story. It's not just numbers. It's about aligning dollars with your values and the life you want. Rent or buy? Do the math. Owning a house isn't always best. In many places, renting saves money and reduces stress. 401(k)s and IRAs are buckets. They're not investments. They're tools with tax benefits. Use them in the right order. DIY or hire? Test yourself. Do you have the time, talent, and desire to manage your money? If not, find help. And if you hire, make sure they review your tax return. Start simple. Spend less than you earn. Pay off high-interest debt. If possible, save about 15% of income and use tax-advantaged accounts first. Make sure your money is invested and diversified, not just sitting in cash. Connect with Zechariah on LinkedIn Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Investment advisory services offered through Focus Financial. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

If you're not careful, the way you take money out of your retirement accounts could cost you tens of thousands of dollars in unnecessary taxes. The good news? With the right strategy, you can keep more of your hard-earned savings.In this episode, Ken Moraif (Founder & CEO of Retirement Planners of America) and CIO Jordan Roach cover:✅ The biggest withdrawal mistakes retirees make✅ How tax treatment differs across IRAs, 401(k)s, Roth accounts, and brokerage accounts✅ Why sequencing your withdrawals can make (or break) your tax bill✅ How withdrawals impact Social Security and Medicare costs✅ Tips to maximize after-tax retirement income and avoid “stealth taxes”Every dollar you save in taxes is another dollar you can spend on travel, family, or simply enjoying your second childhood without parental supervision.

Today is a listener question edition of the show and we're diving into two relatable retirement planning scenarios that may mirror your own concerns. First up: a listener wants to quit his corporate job to start a business. David shares how age, funding source, and risk tolerance play important roles in that decision, and why raiding your IRA might not be your best move. Then, they respond to a retiree who recently realized their pension doesn't adjust for inflation. We'll explain how to assess inflation risk, use the "Rule of 72," and help balance your IRA investment strategy for long-term purchasing power. Here's some of what we discuss in this episode:

Peter is back again this week with Drew as they answer questions regarding inherited IRAs, capital gains, life insurance, pensions, and more! Download and enjoy! 

Ash is live at the Southwest Dental Conference, and he welcomes David Mitchell Mejia, a third-year dental student at Texas A&M with a background in accounting. David joins the show to ask key questions that many dental students have about transitioning from school to the business side of dentistry. Ash provides guidance on topics including choosing a practice location, building a team of professional advisors, exploring financing options, and the importance of reviewing associateship agreements.The conversation covers practical steps dental students and new grads can take to better position themselves for professional and financial success. Ash discusses building relationships with legal, accounting, and insurance professionals, and emphasizes tailoring decisions to individual circumstances—whether deciding to open a practice, join a DSO, or remain an associate. Other important topics include managing personal finances, setting up retirement savings, and the differences between working in DSOs versus private practice.Key Topics Discussed: Transitioning from dental school to professional practice• Choosing a practice location and its impact on personal life• Importance of building a trusted team of legal, accounting, and financial advisors• How to evaluate and negotiate associateship agreements• Deciding between opening a practice, joining a DSO, or becoming an associate• Understanding compensation structures and non-compete clauses• Differences between DSO/corporate dentistry and private practice• Managing personal finances and planning for taxes as a new dentist• Retirement planning options such as IRAs, SEP, and 401k• Recommended resources and strategies for gaining business knowledge in dentistry

If your financial plan requires you to wait 30 years to enjoy life, it's time for a serious upgrade. In this episode of Sharkpreneur, Seth Greene interviews Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, who is the host of the Money Ripples Podcast, with nearly 1,000 episodes helping people build real, work-optional lives. A former financial advisor turned rebel investor, Chris retired at 28 using passive income strategies—only to rebuild again after the Great Recession taught him what absolute financial independence takes. Now he helps business owners and professionals ditch traditional advice, free up trapped capital, and create multiple income streams that support freedom today, not decades from now. Key Takeaways: → Why locking money away in 401(k)s and IRAs is often a mistake. → How business owners can leverage cash flow for growth and freedom. → The power of nurturing leads through long-form content like podcasts. → Learn the biggest financial myths that keep entrepreneurs broke. → How Money Ripples' mission is to create work-optional lives. Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, is a leading authority on teaching entrepreneurs and professionals how to make their money work for them today. Chris has used his knowledge not once, but twice, to become financially independent—where his passive income exceeds his expenses and he paid off his $1 million debt after the last recession without declaring bankruptcy. He has been featured in US News, CNN Money, Entrepreneurs on Fire, and Bigger Pockets. He has a proven track record with his company, Money Ripples, of helping clients achieve quick financial results. In fact, his personal clients have increased their cash flow by nearly $300 million over the last 12 years. Connect With Chris: Website Instagram TikTok X Facebook LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Investor Fuel podcast, host Michelle Kesil speaks with Ramez Fakhoury, VP and managing partner at IRA Club, about the importance of self-directed IRAs and alternative investments. Ramez explains how IRA Club empowers individuals to diversify their retirement portfolios beyond traditional stocks and bonds, emphasizing the need for education in making informed investment decisions. He also discusses the innovative AI-driven platform that IRA Club has launched to help manage retirement accounts effectively. The conversation highlights the flexibility and opportunities available to investors looking to leverage their retirement funds for real estate and other alternative assets.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

We're Retired Girls! Kinda...We did it, queens—we retired early!

How a Campfire Call Sparked a Financial Movement It started with a campfire. Lucas and I were out camping when I made a phone call that would unknowingly change the course of our lives and the lives of thousands of families:“Bruce, want to start a podcast?” https://www.youtube.com/live/GKrk_LOMwI4 As we looked back over the years, a theme emerged. The conversations that mattered most weren't about rates of return, product comparisons, or clever tax tricks. That single conversation planted the seed for what is now 400 episodes of The Money Advantage Podcast—a platform that's helped people understand how to take control of their financial lives through Infinite Banking and smart stewardship. We had no idea what it would become, but we knew we were called to do more than just manage money. We were building a mission. And here we are today, looking back on eight years of podcasting, thousands of conversations, and one shared belief: You are your greatest financial asset. How a Campfire Call Sparked a Financial MovementA Look Back: Why 400 Episodes MatterThe Power of Podcasting: Why We Started and What It's DoneFinancial Influence Starts with CharacterJeff's Story: It's Not About Life Insurance—It's About BankingWhy You're Always Borrowing—Whether You Realize It or NotSimplicity Over Complexity: Becca's InsightLucas's Principle: Save Before You InvestBruce's Wisdom: Behavior Beats DesignRachel's Realization: It's Not Just About the MoneyWhat This Episode Really Taught UsReady to Learn the Top Lessons About Wealth, Legacy, and Serving Families?Book A Strategy Call A Look Back: Why 400 Episodes Matter You're constantly being sold financial products—mutual funds, IRAs, 401(k)s, high-yield savings accounts. But what if the real question isn't “What should I invest in?” but “How do I control my money?” That's where Infinite Banking comes in. In this blog (and podcast), Bruce and I are reflecting on the top lessons about wealth, legacy, and serving families that we've learned after 400 episodes. We'll cover: Why saving before investing matters more than flashy returns What really makes Infinite Banking work (hint: it's not just the policy) The difference between debt and liability How to build a family-centered financial system that creates freedom for generations This isn't just about strategies—it's about empowering you to think differently, behave differently, and lead your family with clarity. The Power of Podcasting: Why We Started and What It's Done We didn't start podcasting to build a platform. We started to create a space for truth in finance—real conversations without the fluff. From day one, we set out to talk to you like a friend who's learned the hard lessons, found a better way, and wants you to have access to it too. Podcasting gave us the ability to educate, build trust, and invite people into the deeper work of financial stewardship—not just financial performance. Financial Influence Starts with Character Bruce hit the nail on the head: “High competence without high character is dangerous.” It's not enough to be an expert. You've got to care more about helping people than making a sale. That's the standard we've held ourselves to—and what we believe every financial guide should strive for. If you're listening to someone online or in your life, ask yourself:Do they have both competence and character? Are they searching for truth or just selling a tactic? Jeff's Story: It's Not About Life Insurance—It's About Banking When Jeff Jessee joined our team, we got more than a brilliant mind—we got someone who sees money like a game. And he's right: life is a financial game, and banking is the rulebook. Jeff was already successful in the traditional financial world. But after reading Becoming Your Own Banker—twice in one night—he saw the problem: most people focus on products instead of systems. He said it best:

In this episode of Retire Fit Radio, Nathan Fort discusses the evolving landscape of retirement planning, emphasizing the need for modern strategies that reflect today's economic realities. He critiques outdated methods like the 4% rule and highlights the importance of having a comprehensive financial plan. The conversation covers various topics, including income strategies for retirement, the pros and cons of Roth and traditional IRAs, and real-life scenarios that retirees face. Nathan encourages listeners to seek clarity and control over their financial futures by working with a fiduciary advisor. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Listener Q&A where Andy talks about: How to account on your tax return for the basis in inherited IRAs ( 7:00 )Is having large Required Minimum Distributions ("RMDs") really a bad thing ( 12:04 )Is there any merit to using a break-even analysis to help decide when to start Social Security ( 15:59 )When does it make sense for someone to consider working with a financial advisor ( 18:14 )Are Roth contribution and conversion rules the same across all of the various types of employer retirement accounts like 401(k)s, 403(b)s, TSP, etc. ( 26:18 )Are there separate five-year holding periods for Roth conversions done in employer retirement plans ( 27:37 )Do in-plan Roth conversions each have their own five-year holding period to waive the 10% early withdrawal penalty ( 30:36 )Can Roth conversions be done before taking any distributions or doing Qualified Charitable Distributions ("QCDs") in the year someone turns RMD age ( 31:49 )If receiving Restricted Stock Units ("RSUs") or deferred compensation in years after you stop working, is that considered earned income eligible for making Roth IRA contributions ( 34:38 )Does taking a really large Health Savings Account ("HSA") distribution make you a higher audit risk in the eyes of the IRS ( 39:19 )Is there a way to invest in broad stock market exposure but without the ongoing dividends such index fund pay out ( 42:27 )Does the progress toward meeting the five-year rule within an employer Roth retirement plan port over to a Roth IRA or other employer Roth plans when doing a rollover, or vice versa ( 46:08 )How to plan and account for an inheritance that a person is rather certain to receive, but the timing of receiving it isn't certain ( 49:43 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:My company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

For many families, the decision to become a stay-at-home parent isn't really a choice, it's the result of America's broken childcare system. Daycare costs can swallow an entire paycheck, but leaving the workforce carries hidden financial risks that can last for decades.In this episode, Jess & Brandon explore:How career gaps impact your resume and earning powerWhy retirement savings and Social Security shrink when you're out of the workforceThe power imbalances that can emerge in single-income householdsWhy divorce hits stay-at-home parents especially hardStrategies to safeguard your financial future, from spousal IRAs to postnuptial agreementsIf you're weighing the decision to stay home, or are already living it, this honest conversation will help you navigate the intersection of parenting, money, and identity.Watch this episode in video form on YouTubeTo apply to be a guest on the showYou can email us at: thesugardaddypodcast@gmail.comBe sure to connect with us on socials @thesugardaddypodcast we are most active on InstagramLearn more about Brandon and schedule a free 30-minute introductory call with him Please remember to subscribe, rate, and review.

Tait Duryea and Ryan Gibson welcome Mat Sorensen, CEO of Directed IRA, for a powerful discussion on how pilots and high-income professionals can unlock private investment opportunities through retirement accounts. From self-directed IRAs to Solo Ks, Mat explains the mechanics of rolling over old 401(k)s, navigating recent regulatory changes, and tapping into lucrative private markets that were once out of reach. Mat Sorensen is the CEO of Directed IRA and Directed Trust Company, where he oversees thousands of self-directed retirement accounts including IRAs, Roth IRAs, HSAs, and Solo 401(k)s. He is also a senior partner at KKOS Lawyers and the bestselling author of The Self-Directed IRA Handbook. A recognized leader in the self-directed investing space, Mat has helped countless professionals leverage retirement accounts to access private investments and alternative assets.Show notes:(0:00) Intro(4:15) $44 trillion in U.S. retirement accounts(5:06) Trump's executive order on 401(k)s(10:03) Fewer public companies, more private options(20:13) IRAs vs. 401(k)s for private investing(26:05) Pilot story: confusion with mutual funds(28:37) Tax implications of IRA vs. cash(35:29) How Mat vets private dealsHelpful Links: Website: https://matsorensen.com Mat's PodcastsDirected IRA Podcast → https://directedira.com/education/#category-podcastsMain Street Business Podcast → https://www.mainstreetbusiness.com Alternative Asset Summit → https://www.altassetsummit.com (October 16–17 in Scottsdale, AZ)—Houston Bus Tour Registration: https://www.eventbrite.com/e/houston-self-storage-portfolio-bus-tour-tickets-1591575237379?utm_experiment=test_share_listing&aff=ebdsshios&sg=ed19105646f93b16506dd629ad293a6953b60f4c21904c87d174147bc25617d71f6099f588a1abb3a895fbbeef2578e057d6effbb7d6e124cd35f68fece2d51827faa0c5beabab7ede30c93969 — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

The power of Health Savings Accounts (HSAs) as a tool for both managing health expenses and building your retirement savings is often overlooked. On this episode, I'm sharing the basics of HSAs, highlighting their triple tax-free advantage, and explaining why they might be one of the best ways to maximize your retirement savings, even compared to more familiar accounts like IRAs and 401(k)s. I also unpack some important upcoming changes to HSAs thanks to the One Big Beautiful Bill Act, set to take effect in 2026. These changes expand HSA eligibility, especially for those on healthcare exchange plans and direct primary care memberships. Whether you're new to HSAs or looking to fine-tune your retirement strategy, my practical tips—like how to track reimbursements, invest your HSA funds wisely, and ensure you're making the most of every retirement planning opportunity.  You will want to hear this episode if you are interested in... [00:00] HSA contributions and eligible expenses. [03:33] HSA eligibility and individual plans. [07:27] HSA vs. 401(k) savings benefits. [12:10] HSAs and tax-free retirement reimbursements. [14:57] HSA contributions and Medicare Timing. [16:44] Top HSA provider tips. What is an HSA and Who Qualifies? Health Savings Accounts (HSAs) are often overlooked as powerful retirement planning vehicles. They are tax-advantaged accounts that allow individuals with high deductible health plans (HDHPs) to save and pay for qualified medical expenses. To be eligible, you must be enrolled in a qualifying HDHP; not all plans make the cut, so check with your insurer or employer to confirm eligibility. For 2025, annual contribution limits are $4,300 for individuals and $8,550 for families, with an additional $1,000 catch-up allowed for those age 55 and over. Both you and your employer can contribute, but the total combined contribution cannot exceed these limits. Triple Tax Advantage: The Unique HSA Benefit HSAs are the only accounts that offer a triple tax advantage: Pre-tax contributions: Contributions reduce your taxable income for the year, helping you save on federal and (in most cases) state income taxes. Tax-free growth: Money in your HSA can be invested, and all interest, dividends, and capital gains are tax-free while in the account. Tax-free withdrawals: Withdrawals used for qualified medical expenses remain tax-free, even in retirement. This makes HSAs one of the most tax-efficient savings vehicles available. HSAs as a Retirement Strategy While the primary purpose of an HSA is to cover medical expenses, its value extends far beyond that, especially for forward-thinking retirement planners. Many people cover their current medical out-of-pocket expenses with regular cash flow, allowing their HSA investments to grow tax-free for years, even decades. Upon reaching age 65, you are allowed to withdraw funds for non-medical expenses without penalty (although you will owe income tax, much like a traditional IRA). For medical expenses—including Medicare Part B, D, and Medicare Advantage premiums—withdrawals remain tax-free. However, Medigap policy premiums are not eligible for tax-free reimbursement from your HSA. A strategic approach can involve tracking your unreimbursed eligible medical expenses over the years. You can reimburse yourself in retirement with HSA funds for past qualified expenses, effectively turning your HSA into a tax-free retirement “bonus.” New HSA Legislation on the Horizon Looking ahead to 2026, recent legislative changes will further expand HSA eligibility and flexibility.  Expanded Access for Health Care Exchange Plans: Before 2026, only certain HDHPs on the healthcare exchange allowed HSA contributions. The One Big Beautiful Bill Act will enable individuals enrolled in any Bronze-tier plan through the health care exchange to qualify for HSA contributions, potentially making over 7 million more people eligible. Direct Primary Care Compatibility: Membership in direct primary care plans—where patients pay a monthly fee for enhanced access to primary care services—will now be compatible with HSA eligibility, subject to fee limits ($150/month for individuals, $300/month for families, indexed to inflation). Previously, participating in such plans disqualified individuals from contributing to HSAs. Common HSA Mistakes and Best Practices Investing your HSA balance (beyond a buffer for immediate health costs) can help you harness the benefits of compound growth over time. Compare fees and investment options among HSA providers to maximize long-term gains. Be mindful when approaching Medicare eligibility. HSA contributions must stop six months before you enroll in Medicare Part A, due to retroactive coverage. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  IRS List of Covered HSA Expenses Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

In this episode we answer emails from Dave, Mike, and Andy.  We discuss an inherited IRA, 529s, how historical data provides more reliable investment guidance than simulated data based on crystal balls, particularly when considering economic environments and asset correlations, and the Rock & Roll Hall of Fame.  Cleveland Rocks!And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donations:  Donate - Father McKenna CenterListener Blog Post Describing Risk Parity Concepts And Four Quadrant Model:  15 Uncorrelated Assets | SSiSBridgewater Research Paper:   Bridgewater Paper 2009.12 AW Info Pack.doc (granicus.com)Rock & Roll Hall of Fame Exhibit:  SNL: Ladies & Gentlemen...50 Years of Music | Rock & Roll Hall of FameBreathless Unedited AI-bot Summary:What happens when you try to predict market outcomes using simulated data rather than historical performance? Frank tackles this profound question by explaining why many investment simulations fail to capture the fundamental reality of how assets behave in different economic environments.Using a brilliant weather metaphor, Frank demonstrates why you "cannot have a drought and rainstorms at the same time" – just as you cannot simultaneously experience a recession and inflation. This insight explains why historical data, which shows how assets perform in specific economic conditions, provides more reliable guidance than simulations that treat each asset class as an independent variable.The episode also addresses practical financial concerns, including strategies for managing inherited IRAs subject to the 10-year distribution rule and approaches to college savings that balance tax advantages with flexibility. Frank shares his personal approach of using 529 plans primarily for state tax benefits while maintaining additional education funds in more accessible accounts.Weekly portfolio reviews reveal nearly all asset classes in positive territory this year, with gold shining brightest at +28.47% YTD. This unusual pattern reflects a weakening dollar, demonstrating how macroeconomic conditions influence asset performance across the board. The episode's exploration of base rates in forecasting also explains why predictions based on historical probabilities typically outperform crystal ball prognostications that assign outsized probabilities to possibilities rather than focusing on known patterns.For investors seeking to build robust portfolios for uncertain times, this episode offers invaluable perspective on understanding economic environments, recognizing asset correlations, and using historical data to prepare for different market conditions. Listen now to discover why the lessons of market history may be your most reliable investment guide.Support the show

"We're 60 and worried we're too conservative with our investments. We've got $850,000 but very little in stocks. Is it too late to adjust our risk?" We're answering YOUR questions on this week's Get Ready For The Future Show! I'm 62 and just started collecting Social Security, but I also inherited a small IRA from my sister. What are the tax implications of that inheritance? I'm 45, remarried, and have kids from a previous marriage. How do I structure my estate plan so everyone's protected fairly? We're both retiring in two years, and we're not sure whether to move our 401(k)s to IRAs or leave them where they are. What's the difference? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired 8/20/2025

The Nerds debut a new Budget Rehab segment, dissecting a real family's budget to reveal strategies for saving more, investing smarter, and managing lifestyle costs. Plus: tariffs' role in rising auto insurance. Why are auto insurance premiums continuing to climb, and what do tariffs have to do with it? How can a real family adjust their budget to meet their financial goals? Hosts Sean Pyles and Elizabeth Ayoola debut a new Budget Rehab segment, where they take a hands-on approach to evaluating a listener's finances. But first, they're joined by senior news writer Anna Helhoski and insurance Nerd Andrew Hurst to unpack the forces driving auto insurance costs higher in 2025. They discuss how tariffs on imported parts, inflation, and more expensive claims are putting pressure on premiums—and what drivers can do to find competitive rates in a shifting insurance market. Then Sean and Elizabeth are joined by Garrett, a listener who receives the first “Budget Rehab” on Smart Money. They walk through his family's finances step by step, from a stretched grocery bill and drained emergency fund to the challenges of saving while raising a young child. The conversation covers how Garrett and his wife can rebuild their financial cushion after buying a new car, prepare for the possibility of living on one income, and expand retirement savings through tools like IRAs and solo 401(k)s. Along the way, they highlight practical strategies for balancing wants and needs while still leaving room for joy in the family budget. Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  NerdWallet Wealth Partners is a fiduciary online financial advisor, offering low-cost, comprehensive financial advice and investment management: https://nerdwalletwealthpartners.com/  Rates for auto and homeowners insurance have been on the rise. NerdWallet's here to help consumers navigate those changes: https://www.nerdwallet.com/insurance/data#auto-insurance  Use NerdWallet's free retirement calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/calculator/retirement-calculator Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: budget rehab, household budget planning, how to use 50/30/20 budget, family budget with one income, rebuild emergency fund, self-employed budgeting tips, budgeting for stay at home parents, budgeting for a baby, how to save on groceries, Costco vs Trader Joe's groceries, reducing travel expenses, retirement savings for self-employed, IRA contribution limits, rising auto insurance costs 2025, auto insurance tariffs, car insurance premiums 2025, supply chain car parts, reinsurance premiums, weather-related claims auto insurance, social inflation insurance, state auto insurance increases, and comparing car insurance rates. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the WealthBuilders Podcast with Karen Conrad Metcalfe and Frank Pulley answering the top questions from our recent Real Estate Workshop.The Q&A addresses how to find knowledgeable accountants for self-directed IRAs, marketing strategies for vacation rentals, trends in the real estate market, setting up LLCs in multiple states, accessing the MLS and more.Learn the importance of working with professionals who understand your investment strategies. Real Estate Q&A: Coaching Insights, LLCs, and Market TrendsMore Resources:Learn more about WealthBuildershttps://www.wealthbuilders.org/FREE e-Booklet - Understanding Good/Bad Debtwww.wealthbuilders.org/kingdom_stewardshipWealthBuilders Real Estate Workshop: Possess Your Promisehttps://billyepperhart.lpages.co/possess-your-promise/

Starting to save and invest can seem complicated, especially with so many options and opinions out there. In this episode, Ben and Kaitlin cut through the noise and lay out a practical order of steps that will put your money to work right away. They'll walk you through building an emergency fund that truly fits your lifestyle, explain the pros and cons of IRAs, Roth IRAs, and brokerage accounts, and show how each choice can set you up for lasting financial momentum. Here's some of what we discuss in this episode:

Chris's Summary Jim and I review catch up contributions across IRAs and workplace plans using questions from the Ed Slott training quiz. We clarify the $1,000 IRA catch up (now indexed), explain the age 60–63 super catch up in 401(k)/403(b) plans, and outline the Roth mandate that will require high earners' catch ups to go […] The post Catch Up Contributions: EDU #2534 appeared first on The Retirement and IRA Show.

Paul Merriman is looking ahead to the 2025 Bogleheads Conference (October 17–19), one of the premier gatherings for long-term investors. The lineup includes Vanguard CEO Salim Ramji, Christine Benz, Bill Bernstein, Rick Ferri, Alan Roth, Jim Dahle, and more. Paul will be there for all three days to connect with listeners, share new projects, and learn from some of the best minds in the field. Even if you can't make it, all sessions will be available later on the Bogleheads YouTube channel.In this episode of Sound Investing, Paul also revisits key lessons on building lasting portfolios. He explains why small-cap value has historically outperformed the S&P 500, how the Four-Fund Strategy makes diversification simple and effective, and why tax-efficient investing matters for 401(k)s, IRAs, Roths, and taxable accounts. He also highlights the importance of financial education for young people, pointing to NGPF.org's Question of the Day as a powerful way to spark conversations about money. And, of course, Paul shares a reminder about the risks of hype-driven assets through the story of Bitcoin Pizza Day.To close, Paul adds a lighter touch by reading a poem about cryptocurrency—written in the playful rhythm of The Music Man.

Roth IRAs have been around since 1997, but many people still have questions about how they work and whether they make sense for their retirement strategy. In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the power of Roth IRAs and how they differ from traditional IRAs. Show Highlights: The difference between marginal and effective tax rates - and why it matters for Roth contributions and conversions. Real stories of how retirees and pre-retirees have used Roth conversions to reduce future tax burdens. Key considerations before converting, including cash needs, Medicare IRMAA surcharges, and tax brackets. The impact of Roth IRAs on estate planning and how they can benefit the next generation. Contribution limits for 2025 and how Roth 401(k)s compare to Roth IRAs. Whether you're just starting out, approaching retirement, or thinking about legacy planning, this episode will give you practical insights into how a Roth IRA may fit into your overall financial plan. If you enjoyed today's episode, be sure to share it with a friend or family member!

CPA Tim Gertz explains what the return of 100% bonus depreciation means for real estate investors. Learn how to use it for larger first-year deductions, when it makes sense, and how real estate professionals and IRAs can benefit. Tim also shares why investment quality should come before tax benefits and gives his take on the current market and interest rates. To get in touch with Tim, reach out to: contact@provisionwealth.com Keeping it Real Estate is brought to you by Granite Towers Equity Group, helping investors create passive income through multifamily real estate. To get in touch with the founders of Granite Towers, Mike Roeder and Dan Brisse, visit https://www.granitetowersequitygroup.com/contact

The future of Affordable Care Act (Obamacare) subsidies is a pressing issue for retirees and anyone shopping for health insurance on the ACA marketplace.  With the generous subsidies brought by the American Rescue Plan Act set to expire at the end of 2025, I break down exactly how these subsidies work, what changes are coming in 2026, and what that means for your wallet. We're talking eligibility thresholds, how income is calculated, why premiums might rise, and—most importantly—shares practical strategies for lowering your adjusted gross income to continue qualifying for subsidies as the rules tighten. Whether you're planning to retire before age 65 or just want to make sure you're making the most of affordable health options, this episode is packed with actionable advice to help you navigate the shifting health insurance landscape. Stay tuned to hear how you can prepare before the subsidy cliff arrives. You will want to hear this episode if you are interested in... [00:00] ARPA health subsidy set to expire. [06:48] Special enrollment eligibility criteria. [09:49] Estimate income for subsidy applications. [12:50] Retirement subsidy eligibility insights. [16:38] Managing income for post-2025 health subsidies. [19:50] Retirement planning and tax strategies. What Retirees Need to Know About Expiring Subsidies in 2026 For many Americans considering early retirement, one of the pressing concerns is the high cost of health insurance before Medicare eligibility kicks in at age 65. The Affordable Care Act (ACA), often called Obamacare, has provided critical subsidies—tax credits that reduce monthly health insurance premiums for individuals and families who earn between 100% and 400% of the federal poverty level (FPL). Thanks to these subsidies, many retirees have found coverage that's far more affordable than what existed before the ACA. These subsidies aren't static, however. Their availability, amount, and eligibility thresholds have changed over time, notably with the enhancements set by the American Rescue Plan Act (ARPA) during the pandemic. But much of that is set to change again at the end of 2025, and retirees need to understand what's at stake and how they can prepare. How ACA Subsidies Work Right Now Currently, the vast majority of people purchasing health insurance through the ACA marketplace receive premium assistance. As of 2024, 91% of the 21 million marketplace participants benefit from some kind of subsidy, according to the Centers for Medicare and Medicaid. These subsidies are calculated based on household income and size, and for now, thanks to ARPA, even those earning above the previous 400% FPL cutoff have been able to secure relief. The system works on a sliding scale: the higher your income (relative to the FPL), the lower your subsidy—and vice versa. For instance, a single retiree in most U.S. states falls under the subsidy limit if their Modified Adjusted Gross Income (MAGI) is less than $60,640 (400% of the 2024 federal poverty level). For a couple, that threshold is $84,600. The subsidies fill the gap between what the government deems an affordable percentage of your income and the cost of a benchmark “silver” marketplace plan. The Big Change: Subsidy Cliff Returning in 2026 A crucial point highlighted in episode 267 of Carolyn C-B's podcast with Ryan Morrissey: the most generous version of these subsidies, courtesy of the ARPA, will sunset at the end of 2025. We are about to return to a world where if your income exceeds 400% of the FPL by even just $1, you lose all subsidy assistance—an abrupt subsidy cliff. Previously, the ARPA smoothed this out, allowing gradual decreases rather than outright elimination at the cutoff. That made planning far simpler for retirees managing taxable withdrawals from savings or retirement accounts. Starting in 2026, the sudden loss of these subsidies at the income cliff could mean the difference between a manageable $400 monthly premium and a staggering $2,700+ for a similar plan. To add to the challenge, insurers anticipate higher premiums in 2026 as healthier enrollees fall off plans due to pricing and subsidy loss. Planning Strategies for Retirees With the looming subsidy cliff, retirees may need to rethink their approach to generating retirement income. Since eligibility is based on income, not assets, it's possible to have significant savings but low reportable income, qualifying you for subsidies. Key strategies include: Harvest Extra Income Before 2026: Consider accelerating IRA distributions, realizing capital gains, or selling assets in 2025 while subsidies remain generous. Build Up Liquid Assets: By moving assets into cash accounts before retirement, retirees can “live off” cash in years they need to keep income low, preserving subsidy eligibility. Utilize Roth and Home Equity Withdrawals: Roth IRA distributions (if held 5 years and owner is 59½ or older) don't count toward MAGI; home equity lines or reverse mortgages can also provide non-taxable funds. Make Use of Pre-tax Contributions: While still working, increase contributions to 401(k)s, IRAs, and HSAs—these lower MAGI and can be a tool for subsidy planning. Congress may choose to extend or reform these subsidies again, but as of now, retirees should assume the cliff is returning. If you plan to retire—and especially if you'll rely on individual ACA coverage before age 65—be proactive. Monitor federal updates, calculate your projected MAGI, and consult a knowledgeable financial advisor for personalized guidance. Open enrollment begins November 1st each year—make sure to check your state's marketplace for updated premiums and subsidy parameters for 2026. Planning now can safeguard your health and your finances through a rapidly changing insurance landscape. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  The Affordable Care Act (ACA) American Rescue Plan Act (ARPA) Centers for Medicare and Medicaid Services Access Health CT  Health Insurance Marketplace  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Traditional banking and Wall Street investments aren't built for your benefit—they're built to enrich the banks and the government. Despite the promises tied to credit cards, CDs, money market accounts, 401(k)s, and IRAs, these so-called “financial benefits” often serve institutions far more than individuals. In this special episode of the Private Banking Strategies Podcast, hosts Vance Lowe … Continue reading Profiting from Cash Flow: Smart Money Strategies | Episode 129 →

In this episode, I sat down with Dr. Jairo Borja, President and CEO of Borja Consulting Group, to explore how he's helping both entrepreneurs and nonprofits scale their impact. Dr. Borja shared details about his 90-Day Mastery Program—designed specifically for coaches and consultants ready to level up—and his curriculum development work with nonprofits focused on entrepreneurship. He also talked about his latest book, DealMaker: How to Easily Raise the Limit of Capital Deals, which has opened new speaking opportunities and platforms to share his knowledge. And yes, we even took a nostalgic detour back to our teenage years, remembering the long wait in line for WrestleMania 3 tickets during a frigid winter. Unexpected Wins from Group Sessions I shared how group coaching sessions often produce unexpected breakthroughs. Many participants, after just 9 weeks, find themselves launching businesses or uncovering opportunities they never planned for. The group environment fosters connection, networking, and accountability—elements that spark real momentum and transformation in a short amount of time. The Power of Accountability and Support in Coaching We dove into the structure and benefits of group coaching—weekly lessons, community support, and ongoing dialogue through platforms like WhatsApp. These elements keep participants engaged and focused. I stressed how small wins—like acting on a downloaded tool or applying a new framework—often lead to big shifts. Group coaching isn't just about content; it's about action and growth, powered by community. And yes, I couldn't resist comparing the coach's role to Paul Heyman's legendary presence in wrestling—because every great performer needs a strategic voice in their corner. Mentorship and Peer Support: Game Changers for Growth We highlighted how peer support and mentorship aren't just nice-to-haves—they're often the missing piece that unlocks major breakthroughs. I shared personal stories where relationships and guidance made all the difference, especially in scaling nonprofit and business initiatives. These kinds of groups provide encouragement, real-time feedback, and actionable insights that accelerate success. Real Estate Lessons from DealMaker Dr. Borja also expanded on his book DealMaker, which chronicles his journey in real estate—from securing a 52-unit property in North Carolina to learning from failed deals in Allentown, Memphis, and Madera Beach. The book outlines strategies for accessing capital—like term loans, business credit lines, and self-directed IRAs—and it serves as a tool to attract coaching clients, enroll members into his "Elevation" program, or draw in passive investors. He also teased a busy speaking schedule, with events in Miami, Atlanta, and more—even during August, a month usually slow for conferences. Building Business Through Clear Communication I shared insights from my own recent speaking engagements, reflecting on the dynamics of in-person versus virtual events. One consistent truth: having a book is a game-changer. It builds instant credibility and creates powerful networking opportunities. I also emphasized the importance of refining your message when pitching for capital—and how being in a group coaching environment sharpens that message and broadens access to strategic resources. If you've read my book, I encourage you to share it with your own mentorship circle. The impact multiplies when we grow together. Why Small Business Still Matters We wrapped up with a discussion on the pivotal role small businesses play in the economy. With half of the Fortune 500 companies from the year 2000 now gone, it's clear: agility, innovation, and community matter more than ever. Dr. Borja announced the launch of his next program cohort kicking off in late July or early August, and he's welcoming new participants. You can connect with him directly via LinkedIn or visit Borja Consulting Group and Borja Capital to learn more.  

Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche. One of the fun things about being a financial advisor is that I get to peek into the financial lives of many different people, even before they become a client. One of the first things I request from a new potential client is a copy of their investment account statements so I can see what types of accounts they have (brokerage accounts, IRAs, Roths, etc), and how they're invested across those accounts.  And sometimes, an uncomfortable conversation I have with a new potential client involves getting the backstory on why they're invested the way they are. Most of the time, I'm trying to figure out their preferences and risk tolerance, but occasionally, I'm trying to figure out why they own a particular investment that is not appropriate for them. This week on the podcast, I'll be talking about the worst investments for retirees

In this episode of The First Day from The Fundraising School, host Bill Stanczykiewicz, Ed.D. welcomes Dr. Kraig Kinchen, Executive Director of 100 Black Men of Indianapolis, for a conversation on how this impactful nonprofit is embracing the power of planned giving. From a career in medicine and corporate America to nonprofit leadership, Dr. Kinchen shares his journey and explains how his organization, rooted in decades of youth mentorship and community empowerment, is now planting seeds for long-term sustainability. With signature programs like summer academies, leadership development, and financial literacy workshops, the 100 has a deep legacy, and now, they're working to ensure their impact extends well into the future through intentional planned giving strategies. Kinchen explains that a recent consultation with a fundraising agency opened the organization's eyes to the untapped potential of legacy gifts. While annual giving is essential, he emphasizes that planned gifts; including bequests, IRA distributions, and insurance policies, offer a unique opportunity to deepen donor commitment and maximize tax-friendly contributions. Armed with data showing that 90% of donors who give $500 or more annually have not made a planned gift, Kinchen and his team recognized a golden opportunity: meet supporters where they are today, while helping them plan for how they can support tomorrow. As Kinchen outlines, one of the biggest hurdles is simply starting the conversation. Many donors assume planned giving is only for the wealthy, or they hesitate to address end-of-life planning. But with support from Endowment Development Services and resources like the Mays Family Institute on Diverse Philanthropy, the 100 is taking an education-first approach, building trust, especially within the Black community where wills and estate plans are less common due to systemic and cultural barriers. Planned giving isn't just about paperwork; it's about storytelling, relationship-building, and showing donors they can leave a legacy. Dr. Kinchen leaves listeners with practical advice: start small, tell your story, and lean on expert partners. Legacy gifts don't have to be seven-figure estate transfers, sometimes they're IRAs, insurance policies, or even a car. The point is to open the door to possibility. As he puts it, the motto of the organization, "What they see is what they'll be," applies to donors as much as to youth. When donors see peers giving in meaningful, lasting ways, they're more likely to follow suit. It's not just fundraising, it's future-proofing.

Ed Slott, CPA, is a nationally recognized IRA distribution expert, professional speaker, television personality, and best-selling author. He is known for his unparalleled ability to turn advanced tax strategies into understandable, actionable and entertaining advice. He has been named “The Best Source for IRA Advice” by The Wall Street Journal, and USA Today wrote, “It would be tough to find anyone who knows more about IRAs than CPA Slott.” • • • This episode of the podcast is hosted by Jon Luskin, CFP®, a long-time Boglehead and financial planner. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads have held national conferences in major cities across the country. The 2025 conference will take place in San Antonio, Texas, from October 17 to 19. In addition, local Chapters and foreign Chapters meet regularly, and new Chapters form periodically. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.   Show Notes: Bogleheads® Live with Mike Piper: Episode 36 Bogleheads® Live with Mike Piper: Episode 23 Bogleheads® Live with Mike Piper: Episode 9 Bogleheads® Live with Sean Mullaney and Cody Garrett: Episode 11 Bogleheads on Investing with Cody Garrett: Episode 61 Asset Location For Stocks In A Brokerage Account Versus IRA Depends On Time Horizon Bogleheads on Investing with Phil Demuth, “The Tax-Smart Donor”: Episode 83

Your retirement funds could be your ticket to Main Street wealth.

The 401(k) system promised financial security, but the numbers tell a different story. In this second part of our series, Hans and Brian delve into Fidelity's latest retirement savings data, revealing why the average American's retirement plan may be setting them up for failure.From baby boomers with $250,000 balances to millennials drowning in target date funds, we break down what these numbers mean for your financial future. The math might look clean on paper, but real life has other plans – and the results are sobering.Using actual data from millions of accounts, the hosts expose the gap between retirement planning promises and reality. When 25% of Gen X workers have loans against their 401(k)s and the average retiree faces a life of financial scarcity, it's time to question whether this system works for anyone except the financial industry selling it.The Reality Check: Average Balances Don't Add Up The data is stark: baby boomers average $250K in 401(k)s and $250K in IRAs. Using the sacred 4% withdrawal rule, that's just $20,000 annually in spendable income after taxes. Brian and Hans walk through why even the "successful" savers are facing potential poverty in retirement, especially when you factor in today's cost of living.The Target Date Fund Trap A staggering 70% of millennials are invested solely in target date funds. These funds create continuous taxable events through portfolio churning while charging excessive fees. The hosts explain why "set it and forget it" might be the worst advice young workers are receiving.The Loan Problem Nobody Talks About One in four Gen X workers have outstanding loans against their 401(k)s, effectively disrupting the very compounding they were promised. This isn't a character flaw – it's proof that life happens, and when it does, people need access to their money. The hosts explore how this reality destroys the mathematical assumptions underlying retirement planning.Why the 10x Rule is Setting You Up for Failure Fidelity recommends having 10x your income saved by age 67, but their own data shows the average person has saved for someone making just $50,000 annually. Hans breaks down the math: even if you hit this target, you're planning for a lifestyle of scarcity, not the retirement you actually want.➡️ Chapters:00:00 - Opening thoughts on 401(k) regrets and savings rates 01:00 - Part 2 begins: Fidelity's retirement data breakdown04:00 - Average balances by generation - the sobering reality 07:00 - Hans: "I don't have a hint of regret" about avoiding 401(k)s 08:00 - Historical context: Why the 55-70 age group data matters11:00 - The savings vs. investing language problem 16:00 - Traditional vs. Roth: Why 85%+ are in taxable accounts 20:00 - The outstanding loan crisis across generations 24:00 - Permission to spend: Breaking the scarcity mindset 28:00 - Target date funds: The "appalling" trend 34:00 - The airline industry comparison38:00 - How to increase your savings rate 43:00 - The 10x rule exposed: Planning for poverty 48:00 - Final thoughts: Why this model is an "abject failure”Got Questions? Reach out to us at info@remnantfinance.com or book a call at www.remnantfinance.com/calendar !⁠Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

Andy and Mark Rosinski from Dunes Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on common withdrawal strategies and what they use in each of their firms ( 12:04 )The level of impact of some of the changes in the One Big Beautiful Bill Act ( 30:51 )Things to consider when doing rule of 55 distributions from your employer retirement plan ( 37:56 )Their thoughts on how many funds and holding the stock portion of a portfolio should have ( 45:40 )When or if there are benefits to having multiple accounts of the same type, such as multiple IRAs, multiple brokerage accounts, etc. ( 57:31 )How to actually take distributions from a portfolio; from which accounts, in what frequencies, etc. ( 1:06:02 )General information and considerations about reverse mortgages ( 1:12:10 )Links in this episode:Mark's firm - Dunes FinancialMark's previous appearance on the show - Episode #146Retirement Income Style Awareness ("RISA") assessment - herePortfolio Visualizer - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Most investors know what an IRA is… But almost no one knows what it can really do. In fact, there's a little-known type of retirement account that's been legal for 50 years… …yet most investors still don't even realize it exists. Today, I sat down with Kaaren Hall — founder of UDirect IRA and author of The BiggerPockets Guide to Self-Directed IRA Investing, to set the record straight. She explains how this one strategy can unlock trillions in sidelined capital… And help you raise money for your next deal — without Wall Street. In today's interview, she breaks down: Why 50 years of misinformation has kept investors in the dark The SECURE Act 2.0 rule that could let you contribute $70,000 after-tax into a Roth-style account Why syndications are the #1 asset self-directed IRAs invest in The one mistake that can make your self-directed IRA taxable What the “25% ERISA Rule” means for fund-of-fund managers How to avoid UDFI with the right structure The rising trend of crypto in retirement accounts Plus, we cover exactly how capital calls work inside IRAs, how the rules change once you hire employees, and why more 401k plans may soon include alternative assets… If you want to tap into the $14 trillion IRA market and protect your investors from painful tax mistakes… Listen to the episode now. Take Control, Hunter Thompson Resources mentioned in the episode: Kaaren Hall Previous episodes with Kaaren Controlling Your Future Through Self-Directed Retirement Is This the END of Self-Directed Retirement? Regulatory Changes That Will Affect Real Estate Investors Email Book Interested in learning how to take your capital raising game to the next level? Meet us at Capital Raiser's Edge. Learn more here: https://raisingcapital.com/cre

Don and Tom rip apart a sponsored “news” piece from the Puget Sound Business Journal pushing a company called FISYN, which promises to buy investors out of their annuities and deliver a “safe” 12% tax-free return via raw Texas land. They expose the misleading fine print, the founder's disciplinary history, and the high-risk, illiquid nature of such private equity deals. Calls and questions cover long-term care insurance riders on annuities, portfolio allocation in deferred comp plans, Roth vs. tax-deferred placement for bonds, managing taxable brokerage cash vs. emergency funds, and dividend-vs.-total-return withdrawal strategies. They also clarify that QCDs can only come from IRAs (not 401(k)s or TSPs) unless funds are rolled over first. Throughout, they hammer home skepticism toward anything that sounds too good to be true, distrust of advertorial financial pitches, and the importance of planning before buying complex products. 1:35 Breaking the “golden handcuffs” of annuities—how FISYN's pitch hooks investors 3:20 The too-good-to-be-true promise: 12% returns, equity kicker, no volatility, tax-free 3:49 Founder's BrokerCheck record and lawsuits 5:15 Comparison to Woodbridge Ponzi scheme 6:32 The frying pan-to-fire swap: annuity to raw Texas land 7:37 Bonus shares and “free” Texas trip incentives 8:06 Critique of sponsored content posing as journalism 9:24 Reality check on raw land returns and costs 10:04 Broader issue: pay-to-play financial media 11:18 Caller Robert (TX): Fixed annuity with LTC rider—pros, cons, and better planning sequence 16:29 Insurance industry skepticism and “Wizards of Odds” nickname reveal 17:54 Caller John (WA): Deferred comp allocation—global, small-cap, emerging markets mix 19:18 Roth vs. tax-deferred bond placement and rebalancing flexibility 20:55 Revisiting the “Wizards of Odds” label for insurance companies 21:47 FISYN as a private equity example and why PE risk is often underestimated 23:35 High costs, valuation uncertainty, and past PE meltdowns 25:03 Total-loss potential in private equity investments 26:33 Caller Scott (NY): Using taxable brokerage for overflow cash—emergency fund priority and vehicle choice 30:34 Federal money market funds as short-term parking 31:54 Listener Thomas: Dividend withdrawals vs. total return strategy sustainability 34:43 Caller Pat: QCD rules—only from IRAs, rollover options, and who makes the rules 37:30 Paul Merriman “10 Myths, Lies, and Mistakes” episode plug 38:46 Podcast chart ranking and listener thanks Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 236 of REIA Radio, we dive into the investing journey of Jackson Udy, a full-time chemical engineer who's been quietly building a real estate portfolio across state lines. Jackson shares how he got started by buying a duplex in Omaha while living in California, the ups and downs of managing from afar, and why partnering with family—especially through self-directed IRAs—isn't always as smooth as it sounds.He opens up about the reality of failed flips, like the one that ended with a surprise $22,000 plumbing bill, and a more recent deal that looked great on paper but burned him and his brother for a $15,000 loss each. Through it all, Jackson talks candidly about learning to trust his gut, the importance of actually managing your team, and how his W-2 career is still a key part of his long-term strategy.He's flipped houses, navigated eviction moratoriums, dealt with homeless encampments on the news, and still somehow finds time for his wife, kids, and crazy real estate ideas like turning a side yard into taco truck parking.If you've ever thought about investing out of state, managing rentals remotely, or scaling without quitting your day job, Jackson's stories and lessons will hit home.

Are you one of the many people who've inherited a retirement account and are now wondering, "What's an RMD and how do I manage it?" The rules around inherited IRAs and required minimum distributions have changed, and it can be confusing.In this episode of Check Your Balances, we're tackling the complex topic of managing Required Minimum Distributions (RMDs) on an inherited IRA. We'll break down the key rules, including the 10-year rule, and discuss how to create a strategy that works for you.Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

This week, Todd Lutsky explains the best way to take advantage of tax exemptions, crypto in your estate plan, protect money in IRAs, and credit sherlter trusts.

This week on Financial Planning: Explained, host Michael Menninger, CFP welcomes back Brandon Thor. Brandon is the Founder and CEO of The Thor Metals Group. Thor Metals Group provides transparent and trustworthy guidance for incorporating precious metals into IRAs. In this episode, Brandon and Mike continue to discuss gold as an asset class. They also talk in depth about how to go about purchasing physical gold. Then, they get into incorporating precious metals into IRAs. This is a great episode for anyone curious about investing in gold or silver in both physical forms or in the stock market. ​For more information on Menninger & Associates Financial Planning visit https://maaplanning.com.

Summer is a great time to teach kids about finances by running a lemonade stand or selling ice cream at the park. However, if you try to teach them too much, kids will miss some of the important stuff. Physicians are no different and can miss some vital elements when it comes to investing. Listen in as Nate Reineke and Kyle Hoelzle break down some of the most common mistakes physicians make when it comes to investing. We discuss UTMAs and Minor Roths, diving into the pros and cons of each and if they may be right for your family. We also look at the importance of filling out IRS Form 8606 every year, what to consider if you are eligible for two retirement plans, and why you shouldn't have a target date fund in you brokerage account. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

What do Bill Murray, inherited IRAs, and the 84-trillion-dollar wealth transfer have in common? In this episode, Damon Roberts and Matt Deaton explore the financial and emotional realities of passing down wealth, the tax traps of inherited IRAs, and how to avoid costly mistakes. Plus, a candid conversation with Bill Murray on quality of life, investing regrets, and why restaurants might be the worst investment ever. It’s a mix of humor, insight, and practical retirement planning you won’t want to miss. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this insightful episode, Kris Krohn reveals how shifting from accumulation to intentional living can transform your wealth and lifestyle. From luxury collections to real estate investments, he shares personal stories, financial truths, and the moment he realized “enough is everything.” Learn why traditional retirement plans like 401(k)s and IRAs may not get you to financial freedom and how alternative strategies can generate far greater returns. Whether you're rethinking your spending habits or seeking more balance, this episode will inspire you to create a life rich in value—not just possessions.

Our employer retirement plans, collectively holding over $12 trillion, are often our largest assets. For years, the conventional wisdom has been to roll these funds into IRAs when changing jobs. However, a troubling trend is emerging: one-third of workers are cashing out their plans when they leave a job, wiping out their savings. We're also seeing a record number of people taking hardship distributions from their 401(k)s, and even social media influencers are encouraging people to cash out their retirement funds entirely. This week, we're diving deep into this alarming trend of mismanaging retirement savings. We'll explore the reasons behind these decisions and, more importantly, provide practical advice on how to get your retirement planning back on track.

How much do you actually need to retire? It turns out, the answer varies drastically depending on where you live. We break down retirement costs by state using new data and estimate how much you need using the 4% rule. Then, we answer real-time questions from our audience about IRAs, homeownership, and early retirement strategies. Whether you're decades away or nearing the finish line, this episode is packed with insight to help you plan smarter. ⁠⁠⁠⁠ Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠NordVPN.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

More than half of Americans feel behind on retirement savings, but the good news is, it's never too late to level up your strategy. Today, Nicole walks you through Individual Retirement Accounts (IRAs): what they are, how they work, and how they can help you build real wealth for retirement. She unpacks the key differences between Traditional and Roth IRAs, how to choose the right one (or both!), and what tax implications to keep in mind. Plus, Nicole shares a workaround for high earners and shows you how to open your own IRA today. Whether you're just starting out or optimizing your retirement game plan, this episode has something for you. Ready? Open an IRA today. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.