Podcasts about IRAS

Understand how Buy Now, Pay Later financing options affect your credit and learn smart strategies for using a six-figure inheritance wisely. How does Buy Now, Pay Later (BNPL) affect your credit score? What's the smartest way to invest or use an unexpected inheritance? Hosts Sean Pyles and Elizabeth Ayoola discuss the evolving credit implications of BNPL services and break down how to manage a money windfall responsibly. Joined by NerdWallet's Anna Helhoski and Jackie Veling, they begin with a deep dive into BNPL, including how it works, why it's becoming more prominent in credit reporting, and how it can either help or hurt your credit depending on your habits. Key takeaways include how new FICO scoring models treat BNPL loans, tips for avoiding pitfalls like loan stacking, and whether BNPL is a wise tool for building credit. Then, investing Nerd Alana Benson joins Sean and Elizabeth to help answer a listener's question about what to do with a $124,000 inheritance. They walk through thoughtful allocation strategies across emergency savings, debt payoff, investing, and even making room for some guilt-free fun. Topics include how timelines impact where you park your money, differences between IRAs and taxable brokerage accounts, when to use a robo-advisor, and how fees can quietly erode returns. Use NerdWallet's free expense ratio calculator to enter your initial investment, future contributions, time horizon and projected annual return in order to compare two expense ratios and find out how much you could lose by choosing the more expensive fund: https://www.nerdwallet.com/article/investing/mutual-fund-expense-ratios  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: BNPL credit score, FICO 10 score, how to use BNPL responsibly, BNPL and credit bureaus, new FICO credit model, inheritance investing, what to do with a windfall, best way to invest $100k, pay off student loans or invest, CD vs high-yield savings, high-yield checking account, IRA contribution limits, Roth IRA or brokerage account, how to use a robo-advisor, best robo-advisors 2025, IRA vs brokerage, investing after inheritance, compound interest calculator, how to build credit, down payment savings tips, investing timelines, financial planning after inheritance, robo advisor fees, expense ratio impact, credit building strategies, high-yield CD rates, traditional vs Roth IRA, 457 plan investing, state employee retirement options, financial windfall tax strategy, 529 college savings plan, credit score and BNPL, and BNPL late payments impact. 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

President Trump's proposed Big Beautiful Bill (BBB), which has been getting everyone's attention of late, is the topic of this episode of The Power of Zero Show.  Host David McKnight points out that the “crown jewel” of the BBB is the extension of the 2017 Trump tax cuts. The 2017 Tax Cuts and Jobs Act (TCGA) brought about cuts to individual income taxes, corporate taxes, and a dramatic expansion of the estate tax exemption. While corporate tax cuts were made permanent – going from 35% to 21% – the tax cuts for individuals and estates had an expiration date. If the status quo stays unchanged, those tax rates will revert back to their 2017 levels on January 1st, 2026. David goes over how Republicans could make the tax cuts permanents through some outside the box accounting techniques. Since Republicans don't have a supermajority in the House or Senate, they would have to rely on a special Senate process known as Budget Reconciliation.  A few fiscal conservatives such as Representative Thomas Massie and David Schweikert, as well as Senator Susan Collins and Rand Paul may not be on board with such an approach… Their main concern? The fact that making these tax cuts permanent would add between 4.6 and 5.5 trillion dollars to the national debt over the next 10 years. David addresses the single greatest obstacle preventing Republicans from making the Trump tax cuts permanent: the Bird Roll. The Bird Roll states that budget reconciliation bills cannot increase the federal deficit beyond the budget window, which is typically 10 years. In other words, to make the tax cuts permanent, Republicans would have to find a way to pay for them. Cuts to Medicaid and the Supplemental Nutrition Assistance Program (SNAP, formerly known as the Food Stamps Program), as well as tariffs on imports are how Republicans are trying to go about things. Some Republicans suggest that the tax cuts won't increase the national debt over the next decade and beyond, for the fact that they'll actually spark economic growth. According to the Congressional Budget Office, the cost of the 2017 tax cuts was $1.9 trillion over an eight-year period, while the tax cuts themselves only increased revenue by about $400 billion. As David stresses, “The Tax Cuts and Jobs Act of 2017 ended up increasing the debt by about $1.5 trillion, meaning that the tax cuts were in no way self-financing.” If Trump tax cuts were to be made permanent, it will almost certainly increase the likelihood that taxes will have to skyrocket by the year 2035. According to a Penn Wharton study, when the country's debt-to-GDP reaches 200%, we've passed the point of no return. If that were to happen, no combination of raising taxes or reducing spending would arrest the financial collapse of the nation. Former Comptroller General of the Federal Government, David M. Walker, has even suggested that tax rates could have to double to keep the U.S. solvent. This means that even if Republicans make the tax cuts permanent, they will have to raise taxes eventually… For David, this may lead to Congress being forced to raise taxes in dramatic fashion in 2035 in an effort to avoid a financial apocalypse in 2040. David believes that, if you have the lion's share of your retirement savings swirling away in tax-deferred accounts like 401(k)s and IRAs, you should take advantage of what's likely going to be 8 to 10 years more of historically low tax rates.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Donald Trump Tax Cuts and Jobs Act Representative Thomas Massie Representative David Schweikert Senator Susan Collins Senator Rand Paul Congressional Budget Office Penn Wharton David M. Walker

What if you could use your retirement savings to invest in real estate, start a business, or buy cryptocurrency - all while keeping the tax advantages of your IRA or 401(k)? Tax attorney and entrepreneur Adam Bergman reveals the hidden power of self-directed retirement accounts that most Americans are unaware of. As the founder and CEO of IRA Financial Group, Adam shares how he discovered, by accident, that IRAs can invest in far more than just stocks and bonds—and how he built a $5 billion company helping business owners unlock these opportunities. From the ROBS strategy for funding businesses with retirement funds to the surprising tax advantages that even seasoned professionals may not be aware of, this episode reveals the retirement planning secrets that savvy individuals use to build substantial wealth. 5 Key Takeaways ➤ IRAs can invest in almost anything except three prohibited categories - collectibles like art, life insurance, and transactions that personally benefit you or your family members. ➤ Three ways to fund your business with retirement money: Own less than 50% of the business through a self-directed IRA, borrow up to $50,000 through a 401(k) loan, or use the ROBS (Rollover Business Startup Solution) strategy. ➤ The ROBS strategy enables tax-free, penalty-free access to retirement funds by setting up a C-corporation that adopts a 401(k) plan, which then purchases company stock—completely legal under Section 4970E of the tax code. ➤ Starting retirement savings at 24 vs 34 makes a massive difference - investing just $2,000 annually from age 24-72 at 8.5% returns yields $1.15 million vs. only $498,000 when starting at 34. ➤ Self-directed IRAs cost less than $500 annually to maintain, and the setup process takes just a few hours over a few weeks, giving you complete control over investment decisions. Notable Quotes"I had no idea that you can use an IRA to do alternative assets. I as a tax lawyer... worked at some of the biggest law firms in the world, and I honestly thought that you had to buy stocks and mutual funds, ETFs with your IRA." "The US retirement system is rigged in our favor... it's based off compounded returns, the eighth wonder of the world. Albert Einstein said it." How to Reach Adam BergmanIRA Financial Group Website: /https://www.irafinancial.com/lp/retirement-solutions/ YouTube Channel: IRA Financial (1000+ educational videos) Phone: Free consultations with 100+ tax professionals Resources: Extensive blogs and educational content on self-directed retirement accounts Adam has authored 9 books on retirement planning and continues to educate entrepreneurs on maximizing their retirement strategies through alternative investments. Learn more about your ad choices. Visit megaphone.fm/adchoices

Looking for a smarter, safer way to invest in real estate—without picking up a hammer or managing tenants?This week on the Exit Strategies Radio Show, host Corwyn J. Melette sits down with Merriah Harkins, Chief Sales Officer at Lucrum Capital, a private real estate lending firm structured as a REIT. With more than 20 years of experience in raising capital for alternative investment funds, Merriah breaks down how accredited investors can earn steady monthly income (7%–8.5%) by passively investing in short-term, first-position loans secured by real estate.She explains the mechanics of Lucrum's conservative fund structure, how their low loan-to-value (LTV) model offers downside protection, and why their REIT structure provides additional tax advantages for investors—especially those using retirement accounts.

In this insightful episode, Matt Sorensen sits down with Chris Loeffler, CEO of Caliber, to dissect the current state of the real estate market and why commercial real estate is presenting one of the best buying opportunities in over a decade. With over $2.9 billion in assets under management and development, Chris breaks down the macroeconomic and local market conditions creating value in distressed assets—especially in hotels, industrial, and multifamily sectors.They explore how real estate investors can reposition capital, the shift from the traditional 60/40 portfolio, and how individual investors—accredited or not—can participate in today's unique opportunities through direct deals or diversified funds. This is a must-listen for anyone managing a real estate portfolio, considering Opportunity Zones, or exploring how to use self-directed IRAs to tap into alternative investments. See the market chart Chris refers to at 03:22 — Download the Guide Here00:00:00 – Welcome to Main Street Business Podcast Intro to the episode with host Matt Sorensen and guest Chris Loeffler.00:05:46 – Why Commercial Real Estate Is At 2008 Pricing Market correction parallels to 2008 and why it's creating a rare buying window.00:11:44 – Commercial vs Residential: Sell Homes, Buy Commercial Strategic shift: Why residential might be peaking while commercial offers upside.00:19:15 – Office Buildings to Multifamily: Deep Discount Conversions Case study on converting distressed office properties into profitable multifamily.00:27:42 – Hotel Industry: Supply Shortage, High Demand Post-COVID hotel trends and why Caliber is building ground-up in key markets.00:34:08 – Investment Options: Direct Deals vs Fund Structures How investors can participate—accredited and non-accredited—with flexibility.00:42:44 – Distressed Asset Opportunities and Strategy Accessing off-market deals and why experienced operators have the edge.00:49:03 – Opportunity Zones Becoming Permanent Tax Code What's in the new tax bill and how OZs can be a powerful capital gains strategy.00:52:43 – Final Advice: Value and Cash Flow Focus Chris's core investment principle: buy below replacement cost and cash flow strong. Grab my FREE Ultimate Tax Strategy Guide HERE! Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute discovery call to explore the Main Street Tax Pro Certification. You don't want to miss this! Secure your tickets for the most significant business, tax & legal event of the year: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

In this conversation, T.J. van Gerven and Adam discuss the concept of self-directed IRAs, exploring their differences from traditional IRAs, the potential for investing in alternative assets, and the role of custodians. Adam shares insights on the benefits and risks associated with self-directed IRAs, including compliance issues and the importance of education. They also touch on investment strategies, Roth conversions, and the flexibility of various retirement accounts, emphasizing the long-term wealth-building potential of these financial tools. Takeaways   Self-directed IRAs allow investment in alternative assets beyond stocks and ETFs. The term 'self-directed IRA' is not defined in the tax code; it's a marketing term. Investors can use their IRAs to invest in real estate, hedge funds, and cryptocurrencies. There are only three prohibited transactions with IRAs: life insurance, collectibles, and self-dealing. Custodians play a crucial role in managing self-directed IRAs and ensuring compliance. Self-directed IRAs are not more popular due to lack of marketing from large financial institutions. Roth conversions can be a strategic way to manage tax liabilities on investments. Valuation of non-publicly traded assets is important for compliance and reporting purposes. Various types of retirement accounts can be self-directed, including HSAs and solo 401(k)s. Long-term investment strategies and starting early are key to building wealth.    Chapters   00:00 Understanding Self-Directed IRAs 02:53 Exploring Alternative Assets 05:49 The Role of Custodians in Self-Directed IRAs 08:54 The Popularity and Misconceptions of Self-Directed IRAs 11:56 Working with Financial Advisors 14:45 Investment Strategies and Success Stories 17:54 Roth Conversions and Tax Strategies 20:53 Types of Retirement Accounts 23:52 Valuation and Reporting of Private Assets 26:47 Navigating Required Minimum Distributions 29:53 Encouragement for Millennials  

The assets you trust most might be the very ones putting your future at risk.   In this episode, I sit down with Camille Scott Wiles, a former ICU nurse turned financial strategist, who reveals how she rebuilt her life and legacy using precious metals, life insurance, and annuities. After losing both parents within 19 hours and weathering the 2008 crash, Camille developed a strategy that helps everyday professionals protect and grow wealth, without Wall Street risk.   If you're looking for security beyond the stock market, this one's for you. 00:00 – From ICU to Investing: Camille's Journey & Why She Left Nursing   06:30 – Generational Wealth Lost: The Real Story Behind the “Silver Spoon”   12:00 – Real Estate to Resilience: Pivoting After the 2008 Crash   18:00 – Life After Loss: Becoming the Matriarch at 30   22:00 – Precious Metals 101: Why Silver is Her #1 Wealth Strategy   28:00 – Borrowing Against Gold: Accessing Liquidity Without Selling Assets   33:00 – Hidden Dangers of Traditional Retirement Plans (401ks, IRAs)   40:00 – Tax-Free, Risk-Free Retirement: Life Insurance & Annuity Strategies for Everyone  

In this episode of The Scott Show, Scott sits down with Henry Yoshida, founder of Rocket Dollar and now head of Retired.com, to talk about the massive wave of innovation coming to the $18 trillion retirement market. From launching Rocket Dollar to help everyday investors use their IRAs to invest in real estate, startups, and crypto — to now running Retired.com with a vision for a fully self-directed retirement future — Henry breaks down how we're on the verge of a generational unlock in private market access. Scott and Henry dive deep into the rise of private equity for retail investors, the shrinking public markets, and why the 401(k)-only model is bleeding out. Bonus: Scott unpacks the implications of Robinhood's tokenized stock announcement and Republic's tokenized forward contract product “Mirrors”, and debate whether tokenization is a feature or the product. What You'll Learn: - Why your IRA is the smartest way to invest in alternatives - How Rocket Dollar lets you deploy dormant dollars into private equity, real estate, and crypto - What Robinhood's tokenized stock move really means - Why Republic's “Mirror” might be the most innovative product in fintech right now - The real future of tokenization: stablecoin rails, 24/7 trading, and AI-powered portfolios. Support the show by creating a free account at Kingscrowd.com Follow Henry at Retired.com Follow Scott on IG/Twitter @Kitun

Economic expert Andy Schectman returns for our Friday Night Economic Review to discuss the deeper agenda behind today's global unrest. From rising geopolitical tensions to the deliberate orchestration of chaos, we explore how the global elite are laying the groundwork for a sweeping monetary reset—and what that means for your financial future.We also revisit the heartbreaking IRA scams that continue to devastate retirees and families across the country. Sarah and Andy share real-life stories that expose the scale of this deception, while offering practical, trustworthy solutions to help listeners protect their savings.Learn how you can protect your assets with Gold and Silver at https://SarahWestall.com/MilesFranklin

This week on Financial Planning: Explained, host Michael Menninger, CFP sits down with Nick DeVito, CFP. Nick is a financial planner at Menninger & Associates Financial Planning. This episode talks about retirement plan options for business owners. In this episode, Mike and Nick discuss an array of retirement plan options for businesses. The guys discuss the four major types of retirement plans, including: IRAs, SEP IRAs, Simple IRAs, and 401(k)/403(b). This is a great episode for any business owner looking to offer retirement options for their employees. For more information on Menninger & Associates Financial Planning visit https://maaplanning.com

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm   

Taxes don't stop when your paycheck does, and what you think you know about taxes in retirement could cost you. In this episode of Retiring Today, we break down five common assumptions about retirement taxes and reveal whether they're fact or fiction.Each statement is explored in detail to help you understand how retirement income, account types, and where you live can all shape your future tax bill.These five retirement tax beliefs are put to the test:Fact or Fiction: My taxes will be lower in retirement.Fact or Fiction: Social Security benefits are tax-free.Fact or Fiction: Qualified Roth IRA withdrawals are always tax-free.Fact or Fiction: RMDs only apply to traditional IRAs.Fact or Fiction: Moving to a no-income tax state eliminates all taxes.If you are preparing for retirement, this conversation will help you separate myth from reality and build a more informed plan for the future.--Ready to take the next step?  Schedule a call now at https://bit.ly/44vkHew to get answers to your retirement questions.Get the tools you need to prepare for retirement with our complimentary toolkit: https://bit.ly/4liS4ab--Loren MerkleCFP®, RICP®, Certified Financial Fiduciary®https://merkleretirementplanning.com/staff-members/loren-merkle/Haley Gutschenritter CFP®https://merkleretirementplanning.com/staff-members/haley-gutschenritter/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/--  This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

On today's show, we're diving into two hot-button issues that can impact your retirement security. First up: inherited IRAs. We'll unravel the complex and evolving rules around Required Minimum Distributions (RMDs) for inherited IRAs under the SECURE Act – essential knowledge as key IRS regulations are set to expire while others are set to begin. We'll also break down what the SECURE Act means to you and how to avoid costly mistakes. Trust us, it's more confusing than ever, but we're going to help you make sense of it all! Next, we'll take a look at one of the fastest-growing scams targeting seniors today and discuss practices to help protect yourself, your loved ones and secure a healthy financial future. Don't miss out. Tune in and take control!

Many of your kind comments regarding last week's show were very well received. Thank you! We always appreciate your input, and your questions regarding the SECURE Act and its impact on distributions for beneficiary IRAs were fantastic. On this week's show, stats on the economy and what experts are saying about market valuations will be front and center. Also, Heidi will discuss an incapacity/emergency checklist that was presented at a recent Slott conference we attended a couple weeks ago in Atlanta, Georgia. This checklist is very practical and an exceptional reference source for you and your loved ones as you age. We are grateful for the many partners and advisors that disseminate information for us to share with you all!  Tune in and take control this Thursday or Saturday!

Laura answers a listener's question about self-directed IRAs and how to invest with them wisely.Transcript: https://money-girl.simplecast.com/episodes/should-i-use-a-self-directed-ira/transcriptHave a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT

Today on The Survival Podcast the expert council answers your questions on foreign wars, the TOR browser, real estate, IRAs, fitness, wild foraging, carry gun ammo, bitcoin for mortgage loans and more. Make sure if you submit content for an expert council show you do the following…. Email it to me at jack @ thesurvivalpodcast.com Put TSPC Expert in the subject line Ask you question and state the expert you have the question for in one coherent sentence Hit the return key a few times and then give all the details you think are necessary ` Following that procedure makes … Continue reading →

Retirement accounts like 401(k)s and IRAs often get all the attention, but there's another tool that can play a powerful role in your long-term strategy: the humble brokerage account.Unlike retirement accounts with age restrictions and penalties, brokerage accounts offer flexibility. You can access funds at any time, for any purpose without early withdrawal penalties. That kind of control can be incredibly valuable, especially if your goals include retiring early, helping family, or funding big life moments along the way.Having a mix of account types—pre-tax, Roth, and brokerage—can give you more control over your income and taxes in retirement. It also helps you avoid a common challenge: having most of your wealth tied up in accounts that are difficult (or costly) to access when you need them most.A thoughtful strategy includes more than just maxing out retirement accounts. It's about building flexibility, tax efficiency, and confidence into every stage of your financial life.- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Get tips to reclaim your time from the “infinite workday,” then learn how to build retirement savings as a stay-at-home parent. How do you reclaim your time in an always-on work culture? How can stay-at-home parents keep building retirement savings? Hosts Sean Pyles and Elizabeth Ayoola discuss the rise of the “infinite workday” and answer a listener's question about how to save for retirement as a stay-at-home parent. First, NerdWallet senior news writer Anna Helhoski joins the show to share her conversation with Colette Stallbaumer, co-founder of Microsoft WorkLab and general manager for Microsoft 365 Copilot, who shares new research into the “infinite workday.” She discusses how flexible work has blurred the lines between home and the office, often creating burnout and a sense of always being “on,” and offers solutions, including boundary-setting practices, productivity tips, and how AI tools like Microsoft Copilot can help reclaim focus time. Then, Sean and Elizabeth shift gears to answer a listener's question about saving for retirement as a stay-at-home parent. They break down options like spousal IRAs, the importance of emergency funds, and how even $200 a month can grow significantly under the right circumstances. They also talk through budget frameworks and how to have productive conversations with your partner about long-term goals. 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 Use NerdWallet's free compound interest calculator to see how your savings and investment account balances can grow with the magic of compound interest: https://www.nerdwallet.com/calculator/compound-interest-calculator  In their conversation, the Nerds discuss: infinite workday, always on work culture, work from home burnout, Microsoft WorkLab study, productivity tools, morning overwhelm, triple peak day, reclaiming focus time, meetings vs deep work, Copilot AI, Microsoft 365 productivity, flexible work boundaries, setting work boundaries, delay send email, work-life balance tips, workplace AI tools, using AI at work, spousal IRA, retirement options for stay-at-home parents, compound interest calculator, emergency fund strategy, 50/30/20 budget rule, saving while unemployed, Roth IRA withdrawals, IRA contribution limits, saving for retirement after quitting a job, financial planning for couples, money conversations with your partner, taxable brokerage account, pay yourself first, retirement savings calculator, saving for retirement with side hustle, and financial independence as a stay-at-home parent. 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

In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the role of dry powder assets in retirement planning and revisit “FOMO Freddie”—a cautionary character representing the risks of chasing investment trends without a long-term strategy.

You've worked hard, saved well, and now you're thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you're still around to enjoy the impact? Let's talk about how to make that decision with confidence.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.     Marc: Welcome in once again to another edition of Retirement Planning, Redefined with John and Nick, and we're going to talk about gifting money while you're alive or leaving a legacy. You work hard, you saved well, so let's talk about how to gift and leave a legacy.   Welcome into the podcast everybody. Thanks for hanging out with John and Nick and myself as we talk about these topics this week. And guys, it's gifting, right? So I want to go over some basics here. It seems like there's been a trend the last couple of years for people to enjoy their retirement legacy with the family versus the old way of you pass and you'll leave a check, right? Here's your inheritance, we're gone, that kind of thing. So let's talk about that a little bit this week on the show and just kind of see what you guys are seeing in your neck of the woods. How you doing this week, Nick?   Nick: Good, good. How about yourself?   Marc: Doing pretty good's. How's the wedding action coming?   Nick: Planning's moving along.   Marc: Nice.   Nick: Did some, hopefully we got the food picked out, so trying to check off all the big things, so.   Marc: That's important. Got to have that good food going on for sure. Well, good. Kudos. Good. Glad to hear that. And John, my friend, how are you this week?   John: I'm good. I'm good. Summer just started for the kids, so getting used to waking up in the morning and they're hanging out with me as I'm getting ready for work-   Marc: And they're ready to go.   John: Versus me just dropping them off. Yeah.   Marc: That's right.   John: It's a lot of fun.   Marc: There you go. Are you guys seeing this trend that I talked about, not necessarily a new trend. It's been going on for a number of years now, but I think where people just want to maybe enjoy some experiences with their loved ones while they're still here versus just leaving that check, so to speak? Are you guys seeing that in your practice as well?   Nick: Yeah, I'd say so. We've had, what are we on now? A 14, 15 year bull run from the standpoint of people have kind of exceeded what their perspective on goals was for the money that they might have in retirement and, so especially I would say, at least from what I've seen, the vacation side of things is kind of the biggest thing that people have been doing where they'll do a large family vacation and pay for the kids and their families to go so that they can all enjoy that together.   Marc: Yeah, that's very cool. And we'll talk about some of the numbers and things in just a few minutes, but John, I'll kick this over to you. I'd say the first step probably still should be, make sure you are covered first, right? We all want to leave and do things for our kids and loved ones, but don't sacrifice your own retirement in order just to do that. Is that a fair place to start?   John: That is 100% where you should start. The last thing you want to do is start gifting and spending money on a vacation, and then you look at it and you're like, "Oh man, I don't have enough money to live anymore." So first thing we do in this situation where it comes up with clients is like most things we say, we look at the plan and we will stress test it and look at different scenarios to make sure, hey, if this were to happen, how does your plan react to it? So we'll throw out some scenarios out there, whether it's healthcare, inflation, social security, things like that. And if the plan looks solid, we will typically give somewhat of a green light of, we think you should budget X amount for this. Or we can also look at scenarios where Nick talked about vacation, but we've seen some others where it's like, "Hey, I want to help my son, daughter with a home purchase." And with the way prices are going now, it's very difficult for first time homeowners to be buying houses. So we've seen a lot of people basically lending, not giving money to their kids for buying homes. So we will put that in the plan and say, "Hey, what does your plan look like if you were to give X amount for a down payment?"   Marc: Gotcha. Okay. And we'll talk about some of those numbers and ways to do that here in a few minutes. So I would say if step number one, as John pointed out is make sure you are covered. The next step number two is maybe just kind of clarify your motivation. He kind of touched on that a little bit, but why are you giving, I mean, again, we all love our kids. We want to help, but what's the purpose? Is that an important kind of factor to decide through?   Nick: Yeah, I've had some recent conversations where maybe there's specific topics like, okay, we're off conversions, and because somebody has read or seen an article or something like that, the thought process is, all right, well let's go ahead and let's convert all of our qualified money to Roth accounts and leave the money to them. And a tricky thing with that can be, as an example, is maybe their kids are not in the same sort of economic space as they are and they're not going to ever make nearly the same amount of money. Them taking a hit right away from a tax perspective maybe doesn't make sense, so try to take them back to the initial point in, Hey, what's your motivation? What are you trying to do? What's most important to you? Is it making sure that your plan is structured well to protect you first and then start to do some giving while you're alive? Or is it more focused on you want to give after you pass away and let's structure your assets accordingly?   So just so many things, making sure that you fully understand what your objectives are because it can be a little bit of the shiny new thing or a shiny new strategy that weren't familiar with at first or initially, and then once you go through and evaluate it in more detail, maybe it doesn't make a whole lot of sense. But yeah, really understanding how account types work, what your goals are and really what your focus is really important.   Marc: And of course, working with a financial professional is going to help you identify that because often we're not going to know what the account types and the rules and the taxation things are going to be, so that's why you want to turn to the pros on that. So let's get into some of the numbers a little bit, guys, because I actually want to point out a couple of things that based on what you've said so far, and just kind of ask you some clarifying questions on that. But let's start with understanding the gifting rules. So John, what's some of the numbers that we need to know if we just want to gift money in general?   John: So you want to look at what is the gifting amount before you trigger having to file a gift tax return or putting that on your return that you gifted money. So this number changes from year to year typically, and in 2025, it's $19,000 per person. So example, let's say you have a mother, father, and they want to gift to a child. They can each give $19,000 apiece.   Marc: So married couples 38 grand, right?   John: Yes. So that's a good starting point. And then if you have grandkids involved or whatever, you can start gifting to that. So it's $19,000 per person per year without triggering the gift tax filing.   Marc: And that's hefty. Now I'm sure somebody listens going, "I love my kids, but I ain't giving them 38 grand."   John: Again, everyone's situation's different.   Marc: And you can do that. And it doesn't matter if it doesn't have to be family either, right? This could be anybody, right? You can give 19,000.   John: It can be anybody. Yeah. If you want to just find a random person in the street, you're more than welcome to-   Marc: Your favorite podcast host. I mean, podcast hosts need love too, so I'm just saying.   John: Yeah. So that's definitely the starting point. If you're going to be gifting money to any particular individual. If you want to help out with tuition and medical expenses, as long as it's paid directly towards those institutions, you don't have to file any type of gift tax return.   Marc: Now, I wanted to ask you about that because a minute ago you guys were talking about helping with school. Now you can't gift the money and pay the loan, right? It's not paying the student loan, it's paying the tuition. There is a difference there, correct?   Nick: Yeah. And you want to pay it directly to the institution.   Marc: Gotcha. Okay. That's important to know too, right? I'm sure from a tax standpoint as well. All right. What about QCDs, John? Can we do that in that arena as well? If you want to do some gifting?   John: Yeah. So let's explain what that is. So it's qualified charitable distributions from your IRAs. Nick and I use this quite a bit. So when we're doing the fact-finding with clients, one of the main, not one of the main, but one of the questions we go through is, do you do any charitable gifting? And if they check that box, we'll typically find out what institutions and how much they're giving. And once someone hits RMD age, a great way to save on taxes is gifts directly from your IRA. So you could save quite a bit depending on how much someone's gifting. So example, we have someone that doesn't necessarily need their distribution from the IRA, and they were just taking money out of just cash flow, whether it was social security or pension, they were gifting it to their church. What we would typically do is say, "Hey, let's kind of switch this. Let's go to, let's pull out of the IRA." Let's just use number. Maybe it's 10 or 15 grand and we're going to go directly from the IRA to the charitable institution. In this example, it's a church, and you don't pay any taxes on that amount that came out.   Marc: That's ideal, right? And Nick, thinking about how you, if you're a charitably minded person and talking about leaving a legacy, since this kind of rolls into this conversation, people often ask, "Well, which account should I use for what?" And John mentioned that earlier. So if you're thinking about leaving money to your kids and you've got money in a Roth, you might want to leave the kids that right? And then maybe QCD some money from the IRA over to the church, for example, because that's a tax benefit to everybody. Correct?   Nick: Yeah, for sure. That makes sense. I would say to one kind of red flag, or at least something to be very aware of and had this conversation recently with a client is, while you're alive, if you're in a position to be able to gift and if you're in a position to be able to choose where you want to gift money from, avoid gifting from highly appreciated assets from the standpoint of let's say there's a property or there's a taxable brokerage account that maybe you've held 10 different stocks for 20 years and they have a substantial gain. If you gift that while alive, then the recipient, when they sell those is going to pay taxes on the gain versus if you gift it after you pass away, those investments will get a step-up in cost basis, which can save a significant amount of money from a tax perspective. So I would say where you gift from is absolutely, probably if this is something that's important to you, that's where the largest amount of strategy comes into play and doing it from the right place.   Marc: Nick, any other things we missed as far as with the QCD or some of the numbers there?   Nick: Yeah, one thing that we have run into is that some custodians, including the one that we use, Charles Schwab, they don't send out a specific tax document when somebody processes a qualified charitable distribution. So that's something that you want to keep records of and indicate that you've done that with your tax preparer. We've had a couple of clients where they were anticipating that they were going to receive a specific document that laid out exactly what they did, who it paid to, and that sort of thing and that was not the case. It shows the distribution via the 10-99, but they have to notify the tax preparer and usually provide some sort of documentation showing that they made that gift to a charity. So just from a best practice sort of standpoint, that's something to keep in mind.   Marc: All right. All right. Good stuff guys. So as always, if you've got questions and concerns, need some help when it comes to any kind of the financial pieces, the X's and O's when it comes to retirement, you always want to check with qualified financial professionals who do this day in and day out. And John and Nick certainly do so if you need some help, reach out to them online at pfgprivatewealth.com. That's pfgprivatewealth.com and don't forget to subscribe to the podcast on Apple or Spotify or whatever podcasting app you enjoy using. You can reach out to the guys on the website. You can also call them at (813) 286-7776. And don't forget to tune in for new episodes as they come out. I appreciate the time guys. Thanks so much for being here and we'll catch you next time here on Retirement Planning, Redefined with John and Nick.   Get yourself a plan, get yourself a strategy. Reach out to John and Nick today at pfgprivatewealth.com, that's pfgprivatewealth.com, to get started on your situation or to tweak your situation and dive into that process with the guys. You can reach out to them at 813-286-7776. Or again, find them online at pfgprivatewealth.com. Don't forget to subscribe to us on the podcast on Apple or Spotify, or whatever platform you like using. We'll see you next time here on Retirement Planning Redefined with John and Nick.  

What's the best way to save for a house without wrecking your retirement plan? That's just one of the big questions Joe Saul-Sehy, OG, and Mom's neighbor Doug tackle in this packed episode (number 1700!) of Stacking Benjamins. Whether you're trying to figure out where to park your emergency fund, how to handle inherited IRAs, or how to financially plan as a single adult with big responsibilities (hello, aging parents!), this episode is full of relatable scenarios and actionable strategies. Stackers Torin, VJ, Lori, and Michelle ask everything from: How much is too much in your emergency fund? What happens to inherited IRAs when you're already juggling financial priorities? What should single people be doing right now to prepare for the future? How do you juggle helping aging parents while keeping your own goals on track? Plus, we mix in commentary from Kevin at Edward Jones and longtime listener Ron—offering insights from inside the financial services world and the Stacker community. The guys debate personal finance media narratives, give practical advice for budgeting large windfalls, and reflect on why saving feels easier in theory than in practice. Also covered in this episode: Why financial advice often skips over single individuals—and what to do about it Emergency fund strategies: where to park the money, how much to keep, and how to make peace with the fact it isn't earning sky-high returns How to prioritize debt, student loans, savings, and investing without setting off a financial anxiety spiral The value of short-term tradeoffs when you've got long-term goals All delivered with the basement's signature charm—where the coffee is lukewarm, the guidance is practical, and the jokes… well, let's just say they're dividend-eligible. This episode is a perfect listen for: New Stackers building their financial foundation DIYers trying to juggle competing money goals Anyone who's inherited assets and doesn't want to mess it up People who've realized adulting is basically managing 14 financial priorities at once and still remembering to bring snacks. FULL SHOW NOTES: https://stackingbenjamins.com/answering-your-questions-mailbag-1700 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Market Update: June 25, 2023 - Wall Street's Flat Day & Economic Insights In this episode of Dividend Cafe, Brian Szytel reports from the Grand Rapids office in Michigan on a relatively flat day in the financial markets. The DOW fell slightly by 106 points, S&P remained unchanged, and Nasdaq increased by 0.3%. Changes in oil prices and a ceasefire between Israel and Iran were also highlighted. Key economic updates include the potential for future tax legislation, upcoming tariff deadlines, and the Fed's possible rate cuts. Seitel also discusses how to position different assets in traditional IRAs versus Roth IRAs and delves into the recent decrease in new home sales. Upcoming economic calendar events include wholesale inventory numbers, durable goods orders, Q1 GDP revision, and pending home sales data. 00:00 Introduction and Market Overview 01:10 Market Movements and Economic Indicators 02:46 Investment Strategies for Different Accounts 04:27 Housing Market Insights 05:28 Upcoming Economic Events and Conclusion Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

This episode of The Power of Zero Show revolves around a recent Ray Dalio video in which he issued warnings about the U.S. debt crisis. In the clip, Dalio appears to be giving America three years to get their act together and to right the fiscal ship of state. Dalio mentions the draft of his new book that goes through the mechanics of the debt – and highlights the supply-demand problem he believes will occur if the deficit doesn't go from the current 7.2% of GDP to about 3% of GDP. Dalio touches upon what people should do when there isn't an adequate supply-demand balance. He believes that looking back at history will show you that the current problems are the results of history repeating itself. A recession isn't the one thing Dalio is afraid of… the breakdown of the monetary order is!  Host David McKnight talks about the bid other countries may have on the U.S. fiscal debt, as well as the related crisis of confidence of sorts. According to a recent Penn Wharton study, if the U.S. doesn't right their fiscal ship of state by 2040, no combination of raising taxes and/or reducing spending will arrest the financial collapse of the nation. David believes that in the next 10 to 15 years, the U.S. is likely to need huge infusions of capital to avoid a financial collapse, the likes of which we haven't seen since the Great Depression. What should you do? If you have the lion's share of your Retirement Savings, IRAs or 401(k)s, you need to act now while tax rates are historically low. Since we're on the cusp of Trump extending his tax cuts for another 8 years, it's important to know that, if you count 2025, we'll have historically-low tax rates for another 9 years. David is in favor of taking action before tax rates increase, also because he believes that, come 2034, tax rates aren't going to simply revert back to what they were in 2017. If the American fiscal ship doesn't get right on time, we could go back to seeing high tax rates that were part of the past – such as 94% in the last two years of World War II, or 89% as it was throughout the entire decade of the 70s.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ray Dalio Penn Wharton

In this episode, Angela discusses the implications of the SECURE Act and its amendments on retirement accounts, particularly when trusts are named as beneficiaries. She emphasizes the importance of reviewing trusts written before July 2024 to ensure compliance with the IRS's final RMD regulations and to avoid unintended tax consequences. The episode aims to educate listeners on the complexities of tax laws and the need for professional guidance in estate planning. Key Takeaways

Self-directed gold IRAs allow investors to diversify beyond traditional stocks and bonds by holding physical precious metals in retirement accounts. With inflation concerns and market volatility on the rise, more people are exploring gold IRAs as portfolio hedges. Learn more ат https://altcoinirareview.com/how-to-start-a-self-directed-gold-roth-ira-steps-to-invest-online-in-a-gold-ira Gold and Altcoin IRA Review City: Cushing Address: 2340 East Main Street Website: https://altcoinirareview.com/

Are you tired of traditional savings accounts that don't seem to get you anywhere?Today, Russ and Joey welcome Chris Miles of Money Ripples to discuss the powerful synergy between infinite banking and passive income. Chris shares how his journey from traditional financial advising to alternative investments transformed his financial outlook, revealing the strategies that helped him retire early and build lasting wealth.The trio also discusses the pitfalls of relying solely on savings accounts and emphasizes the importance of using whole life insurance as a tool for wealth building.If you've ever wondered how to truly escape the Wall Street rat race and start generating passive income that works for you, this episode is a must-listen.Top three things you will learn:-How infinite banking can be used to create long-term wealth-Why traditional savings accounts fall short in building financial freedom-Insights on leveraging real estate and lending for passive incomeDisclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions.This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode.The hosts may have a financial interest in the programs or services mentioned in this episode.Book Your Free Passive Income Game Plan Session:-https://wealthwithoutwallstreet.com/freecallInvest Like a Billionaire Podcast:-https://thebillionairepodcast.com/Want to raise millionaire kids? Watch how Sharran Srivatsaa — former Goldman Sachs banker turned entrepreneur and investor — is building a generational wealth system with his kids, step-by-step.-https://go.wealthwithoutwallstreet.com/millionaire-kidsTurn Active Income Into Passive Income:-https://wealthwithoutwallstreet.com/piosKnow Your Investor DNA:-https://wealthwithoutwallstreet.com/investordnaHow to Buy Online Businesses for Profit with Sophie Howard:-https://wealthwithoutwallstreet.com/freedomnavigatorCreate a Six-Figure Side Hustle in Peer-to-Peer Car-Sharing:-https://wealthwithoutwallstreet.com/carsWealth Without Wall Street New Book:-https://wealthwithoutwallstreet.com/newbookIBC Webinar:-https://wealthwithoutwallstreet.com/ibcJoin Our Next Inner Circle Live Event:-

Ever wonder how the rich keep getting richer—legally and tax-free? It's not luck. It's strategy. And it starts with knowing how to use a self-directed IRA to invest in real estate, private equity, and even startups—while keeping the IRS out of your profits.What if you could unlock the same wealth-building tools the ultra-rich use—without needing millions to start? On this week's Exit Strategies Radio Show, host Corwyn J. Melette sits down with Adam Bergman, CEO of IRA Financial Technologies and one of the nation's leading experts on retirement tax strategy.A former tax attorney with over 25,000 clients and $4 billion in managed assets, Adam explains how self-directed IRAs offer everyday people the freedom to invest in alternative assets—real estate, startups, private equity—and grow it all tax-free. This conversation breaks down the exact strategies smart investors use to build generational wealth and reclaim control of their financial future.Key Takeaways:01:56 Introducing Our Special Guest: Adam Bergman03:06 Adam Bergman's Journey to IRA Financial Technologies07:31 Understanding Self-Directed IRAs11:12 The Power of Roth IRAs14:41 Tax Strategies and Legacy Building with IRAs16:54 Collaborative Real Estate Investments with IRAs18:05 Leveraging Small IRAs for Bigger Investments20:25 Pitfalls to Avoid in Self-Directed IRA Investments22:28 Using Self-Directed IRAs to Start a Business27:53 Checkbook Control vs. Custodian Controlled IRAsThis isn't just about retirement—it's about freedom, control, and legacy. Don't let this powerful financial knowledge sit on the shelf. Tune in, take notes, and take action.Connect with Adam @:

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the complexities of Inherited IRAs with special guest Taylor Wolverton, a Certified Financial Planner and Enrolled Agent. They break down what beneficiaries need to know about inherited retirement accounts, including crucial updates introduced under the Secure Act. Whether you're a spouse, non-spouse, or special exception beneficiary, this episode helps you understand how to navigate the rules and avoid costly mistakes when it comes to inherited IRA distributions.Listen in to learn about the different rules based on whether the account was inherited before or after 2020, how the 10-year rule inherited IRA provision works, and how it contrasts with the old Stretch IRA rules. They also explain IRA beneficiary rules for both Roth inherited IRA and traditional IRAs, helping you determine the most tax-efficient strategy for your situation. With insights on Inherited IRA RMD rules, Secure Act IRA changes, and options for non-spouse IRA beneficiaries, this is a must-listen episode for anyone dealing with an IRA inheritance.In this episode, find out:What the 10-year rule inherited IRA really means for beneficiaries.How IRA rules for beneficiaries differ for pre- and post-2020 inheritances.The difference between spousal vs non-spouse IRA beneficiary strategies.How to handle Inherited IRA RMD rules and avoid tax penalties.Why Roth inherited IRA strategies may involve waiting until year 10.Tweetable Quotes:“Just because you're not required to take a distribution every year doesn't mean it's the best strategy for your taxes.” – Murs Tariq“Understanding whether you're a spouse or non-spouse IRA beneficiary changes everything about how you manage the account.” – Taylor WolvertonResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Pensions can provide a valuable source of retirement income, but deciding whether to stick with a job solely for the pension is more complex than it may seem. In this episode of A Wiser Retirement® Podcast, we give a breakdown of the key benefits and trade-offs of relying on a pension, and how to assess whether it's the right move for your financial future.Related Podcast Episodes:- Ep 137: Financial Planning in Your 50s Related YouTube Videos:- How Much is Social Security Reduced if I Have a Pension?- What's the difference between pensions and IRAs?Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

In today's episode, we explore the complex distribution rules associated with inherited IRAs, focusing on scenarios where a child inherits an IRA from a deceased parent. This episode clarifies the required minimum distributions (RMDs) and the impact of the 10-year rule under the latest regulations. Learn whether your situation falls into the category of non-eligible designated beneficiaries or eligible designated beneficiaries, and understand the tax implications and penalties associated with these rules. Eric simplifies the intricacies of both pre- and post-2020 inherited IRAs, providing practical advice and resources to ensure compliance and optimize your financial outcomes.Sign up for the newsletter here.You can find show notes, resources and more at www.aquilawealth.com.Disclosure: This podcast for information not advice for any one person. Always consult with your tax, legal, or financial advisor first. Aquila Wealth Advisors is a registered investment advisor in CA, TX, LA and states where exempt.

Don tackles a stack of listener questions in this rapid-fire Friday Q&A, covering what a financial plan should cost, how tipping might work in a cashless future, and how to fine-tune a retirement portfolio with Avantis funds. He also addresses important estate planning steps after a death, how to use QCDs with inherited IRAs, and whether AUM fees are worth it compared to hourly planners. Along the way, he reflects on why he still manages his own money—and maybe shouldn't. 0:04 Intro to Friday Q&A and how listener questions are selected 2:12 What should a detailed retirement plan cost? Median price range explained 4:33 How will we tip in a cashless society? From bellboys to Bitcoin to Apple Pay 7:39 Listener portfolio check: 85% AVGE, 10% AVUV, 5% AVDV—too tilted? 11:36 Credit after death: Should an executor notify the credit bureaus? Yes—and how 13:45 Inherited IRA RMD workaround: Can QCDs help avoid taxes before age 70½? 17:02 AUM fees vs. flat-fee advisors: Is paying more for more assets fair? 25:51 Why Don still manages his own money (for now)—inertia, taxes, and habits Learn more about your ad choices. Visit megaphone.fm/adchoices

As the CEO of Real Estate Done 4 U, Michael Drew has helped hundreds of investors worldwide achieve their retirement goals through strategic investments in rental real estate, utilizing Cash, IRAs, Mortgages, and 1031 Exchanges helping investors replace their W2 / earned income with RENTAL INCOME.  With experience that includes over 1000 real estate transactions and extensive stock option expertise, he focuses on developing sustainable passive income strategies. Michael's journey into real estate investment was driven by a critical insight: traditional savings and retirement accounts often fail to deliver the necessary growth to secure financial futures. After purchasing his first few rental homes, he recognized the unparalleled benefits of real estate investments. The steady stream of rental income not only provides financial security but also preserves the principal investment – the property itself. As living costs rise, so do rents, ensuring that real estate investments remain a robust hedge against inflation.  In his personal time, Michael enjoys traveling with his family of four kids, adventure racing, pickleball, skiing, and speaking at conferences. His passion for real estate and dedication to helping others achieve financial independence continue to drive his professional and personal endeavors.  As Michael often says, "Don't wait to buy real estate; buy real estate and wait." What You Will Learn: Who is Michael Drew? What inspired Michael Drew to transition from a stock market focus to real estate investing? What does Michael mean when he says getting wealthy is mainly a math problem? How does Michael define passive income in relation to real estate? What factors does Michael consider when choosing investment locations? What strategies does Michael recommend for stacking the odds in favor of successful investments? How does Michael manage properties and maintain cash flow for his investors? How does Michael assess a potential investor's situation before making recommendations? What are the steps involved in purchasing a property through Michael's model? How does Michael approach 1031 exchanges for his clients? What unique advantages do certain professions have when it comes to investing in real estate? How does Michael help clients who are busy with their careers to invest passively? Why is it important for investors to focus on cash flow rather than just asset appreciation? How does Michael build long-term relationships with his clients? What strategies does Michael use to maintain communication and trust with his investors? Michael shares his contact information so that everyone can reach him. Additional Resources from Michael Drew: Website: https://www.realestatedone4u.com/ LinkedIn: https://www.linkedin.com/in/michaeldrew212/ Facebook: https://www.facebook.com/RealEstateDone4U/ Attention Investors and Agents Are you looking to grow your business? Need to connect with aggressive like-minded people like yourself? We have all the right tools, knowledge, and coaching to positively effect your bottom line. Visit:http://globalinvestoragent.com/join-gia-team to see what we can offer and to schedule your FREE consultation! Our NEW book is out...order yours NOW! Global Investor Agent: How Do You Thrive Not Just Survive in a Market Shift? Get your copy here: https://amzn.to/3SV0khX HEY! You should be in class this coming Monday (MNL). It's Free and packed with actions you should take now! Here's the link to register: https://us02web.zoom.us/webinar/register/WN_sNMjT-5DTIakCFO2ronDCg

Forget waiting for the perfect financial opportunity. Everyone dreams of having bought Apple stock in 2004 or finding that perfect house at the perfect price, but real wealth isn't built through home runs – it's created through consistent singles.After working with hundreds of millionaire-next-door retirees, I've discovered their secret isn't spectacular investing wins but small, incremental improvements that compound dramatically over time. This power of 1% works universally, whether you're just starting your career or already enjoying retirement.For younger investors, increasing your 401k contribution by just 1% creates minimal budget impact now but massive retirement benefits later. On a $60,000 salary, that's only $50 monthly that could grow to $50-60k by retirement. Already maxing retirement accounts? Consider canceling one streaming service ($10-15/month) and redirecting those funds to a Roth IRA. Another overlooked opportunity: move your emergency fund from a traditional bank to a brokerage firm's money market account earning 4%+ interest – potentially generating hundreds in passive income annually from money that was sitting idle.Retirees benefit equally from the 1% approach. Reducing portfolio withdrawals by just 1% keeps more money invested and growing. Those 70½ or older can optimize charitable giving through Qualified Charitable Distributions directly from IRAs, maintaining generosity while eliminating taxes on those distributions. Think of financial wellness like physical fitness – consistency trumps intensity. What will your 1% improvement be this month? That single small step might just transform your financial future. The journey to financial freedom isn't about swinging for the fences – it's about showing up daily and moving consistently in the right direction. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Dreaming about retiring early, but worried you'll never have enough? On this episode of Retire Sooner with Wes Moss, Wes and Christa DiBiase break down powerful strategies and mindset shifts that could help folks retire sooner and happier, including: • Tap Your IRA Early—Penalty-Free: Learn how Rule 72(t) and SEPPs can sometimes unlock your IRA before many expect and how that might help customize an early retirement plan. • Rule of 55 vs. Rule 72(t): Compare two powerful early withdrawal strategies and discover which one could work for your retirement timeline. • Smart Rollover and Roth Moves: Wes tackles listener questions on IRAs, dry powder strategy, and recovering from past investing mistakes. • S&P 500 or Total Market Index? Find out which fund could fit your growth goals—and why broad diversification is often a winning strategy. • The Real Source of Retirement Happiness: New research reveals it's not just money—core pursuits like travel, hobbies, and connection can fuel lasting joy. • Annuities & Life Insurance—Worth It? Explore the pros, cons, and ideal timing for annuities and whole life policies in your retirement plan. Let years of retirement planning, actionable anecdotes, relatable listener questions, and eye-opening research fine-tune your investment and happiness game plan. Learn more about your ad choices. Visit megaphone.fm/adchoices

Real Estate Secrets for Financial Independence with Jay ConnerGeorge Wright III discusses the pivotal role of private money in real estate investing with expert Jay Connor. Jay shares his transformational journey from relying on traditional bank financing to becoming a leading authority in private money. He explains how his discovery of private funding during the 2009 financial crisis changed the trajectory of his business, enabling him to thrive in various market conditions. Jay emphasizes the importance of educating potential lenders, building trust within one's network, and offers practical steps for acquiring private funds, including leveraging self-directed IRAs and networking events. This insightful conversation is packed with actionable advice for anyone looking to gain financial control and achieve success in real estate investing.01:21 Jay Connor's Background and Real Estate Journey02:04 The Turning Point: Discovering Private Money05:19 The Power of Private Money and Raising Capital09:47 Role Play: The Good News Phone Call Script15:18 Finding Private Money Lenders20:53 Jay Connor's Motivation for Teaching and Coaching27:33 Final Advice and Closing RemarksYou have GREATNESS inside you. I BELIEVE in You. Let's Make Today the Day You Unleash Your Potential!George Wright IIICEO, The Daily Mastermind | Evolution X_________________________________________________________P.S. Whenever you're ready, here are ways I can help you…Get to know me:1. Subscribe to The Daily Mastermind Podcast- daily inspiration, motivation, education2. Follow me on social media Facebook | Instagram | Linkedin | TikTok | Youtube3. Get the Prosperity Pillars Poster I Developed over 20 years from my Mentors.Work with me:My mission is to help you Master Your Mind, Money, & Business, and I firmly believe:It's Never Too Late to Create the Life You Were Meant to Live…a LIFESTYLE of Health, Wealth, and Happiness. Here are ways I've been able to help thousands of people over the past 20 years… About Guest:Jay Conner, a real estate investor, struggled with bank restrictions and lost funding during a market downturn. Seeking alternatives, he explored creative strategies and eventually developed his own funding system. This led to $250,000 from his first prospect and over $2 million shortly after, launching his "Where To Get The Money Now" system that transformed his investing success.Guest Resources:Official Website: https://www.jayconner.com/Instagram: https://www.instagram.com/jay_conner_private_money/?hl=enFacebook: https://www.facebook.com/jay.conner.marketing/

For episode 531, Brandon Zemp is joined by Adam Bergman, a leading expert in self-directed IRAs and alternative retirement investments, known for founding IRA Financial, which has grown to serve over 25,000 clients with more than $5 billion in assets. With a background as a tax attorney, his deep knowledge of tax law and retirement regulations positioned him to pioneer strategies in the underutilized self-directed IRA space. A prolific author and speaker, Adam has written nine books and been featured in major media outlets, offering valuable insights on tax-advantaged investing and retirement planning. ⏳ Timestamps: 0:00 | Introduction0:55 | Who is Adam Bergman?2:26 | What is IRA Financial?4:34 | Types of Alternative Assets6:45 | Why brokers don’t offer alternative assets for IRAs?8:15 | IRA Financial account types12:32 | Management for clients13:32 | How to invest into Bitcoin with IRA16:10 | Is Bitcoin a good investment for retirement?19:40 | Is Gold still a good investment for retirement?21:11 | IRA taxable-event triggers23:16 | Yield-bearing alternative assets in IRAs24:26 | Why you should start an IRA when you are young26:40 | How to set up an IRA today28:20 | IRA Financial roadmap29:55 | IRA Financial on YouTube30:22 | Adam’s Books

Building on last week's discussion about why rolling over your old 401(k) into an IRA could be a smart move, this episode flips the script. It explores seven compelling reasons you might want to leave your 401(k) with your previous employer instead. I break down factors like fees, company stock advantages, penalty-free withdrawals, legal protections, and unique investment options that could all influence your decision.  If you're approaching retirement or just planning your next career move, this episode is packed with insights to help you make the best choices for your financial future.  You will want to hear this episode if you are interested in... [04:12] Leave company stock in 401k to use net unrealized depreciation, potentially saving on taxes via long-term capital gains. [08:55] Consider keeping company stock in an old 401(k) to avoid taxes and penalties if under 59.5 years. [10:01] IRA withdrawal exemptions and strategies. [16:01] Consider keeping your old 401 (k) for potential loan access, but check if your provider permits non-employee loans. [17:50] Deferring 401(k) distributions explained. When to Leave Your Old 401(k) With Your Previous Employer Changing jobs often means making quick decisions about retirement savings. While rolling over your old 401(k) into an IRA is a common choice, there are significant advantages to leaving it where it is. This week, I'm discussing the situations when maintaining your previous employer's retirement plan is advantageous.  1. Potential for Lower Fees If you worked for a large organization, their 401(k) plan might offer exceptionally low administrative and investment fees, especially if they've chosen robust menus with index fund options. While IRA costs have dropped due to strong competition among major financial institutions like Schwab, Fidelity, and Vanguard, some large employer plans still offer a lower cost.  Always compare fees before making a move; sometimes, your old 401(k) will be the most cost-effective option available. 2. Tax Benefits of Company Stock (Net Unrealized Appreciation) Do you have significant company stock in your 401(k)? You could benefit from the unique tax break called Net Unrealized Appreciation (NUA). This allows you to pay lower long-term capital gains rates on your stock's growth instead of higher ordinary income rates. However, to take advantage of NUA, you must carefully roll out your stock and be mindful of any 10% penalty if you're under 59½. Know your stock's cost basis and consult with a tax professional to determine if waiting is best, especially if your cost basis is higher. 3. Penalty-Free Access Between Age 55 and 59½ Left your job between 55 and 59½? Here's a little-known benefit: you can tap your old 401(k) penalty-free before age 59½. If you roll the balance into an IRA, that door closes, unless you qualify for rare exceptions. This rule can be crucial if you need those funds to bridge the gap to retirement, so consider leaving at least part of your balance in the plan until you turn 59½. 4. Enhanced Creditor Protection Federal law (ERISA) offers 401(k) plans strong protection from creditors and judgments, even in bankruptcy. While rollover IRAs are also protected under federal and many state laws, the details can get complicated. Certain states may limit IRA protections, so it's wise to investigate your state's rules. Segmenting rollover IRAs from contributory IRAs can also help simplify tracking and protection. 5. Access to Stable Value Funds Some 401(k) plans offer stable value funds, a low-risk investment choice that often comes with a guaranteed minimum rate of return. While money market funds are currently paying more, that could change if interest rates drop. In lower-rate environments, stable value funds could offer an edge and a safe harbor for your retirement assets. 6. Possible Loan Availability Need to borrow against your retirement savings? Some plans allow you to take a loan from your 401(k), even after leaving the company. However, this isn't universal, since loan repayments are usually tied to payroll. Check with your plan administrator to see if this benefit applies; if it does, it could be an important safety net. 7. Required Minimum Distribution (RMD) Deferral if Still Working If you work past age 73, keeping your funds in a 401(k) with your current employer lets you defer required minimum distributions (RMDs). That's not the case with IRAs. Consolidating old 401(k)s into your current plan can simplify RMD timing and let your funds grow tax-deferred a bit longer. Make an Informed Move Rolling over your 401(k) may seem automatic, but there are times when staying put is the better choice. Carefully assess fees, tax implications, creditor protections, and your unique needs. Most importantly, consider working with a fiduciary, fee-only financial advisor who understands your entire financial picture. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Tax gain harvesting is one of the most underused but powerful strategies available to early retirees and those pursuing financial independence. In this episode, we explore how it works, who it's best suited for, and how it can help reduce long-term tax liability.Unlike tax loss harvesting, which involves selling investments at a loss to offset gains, tax gain harvesting is about intentionally realizing gains when you're in a low or zero percent tax bracket—allowing you to reset your cost basis without triggering federal tax in certain situations.This strategy is most effective in taxable brokerage accounts and is typically not applicable to retirement accounts like IRAs or 401(k)s. It tends to work best in years where your income is lower, such as early retirement or transition periods before drawing Social Security.Even with additional income from dividends or part-time work, many people can still benefit from this approach. However, it's important to consider potential state tax implications as well.We'll break down how tax gain harvesting fits into a broader retirement tax strategy, what makes someone a good candidate, and how to use it thoughtfully as part of your long-term financial plan.- Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult your CPA or attorney regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

James O'Brien has spent over a decade founding, building, and raising capital for early stage startups across a variety of industries. He is the co-founder and COO of an AI startup called Ducky — process and workflow automation software for the Customer Service industry. Prior to co-founding Ducky, James was the Chief Operating Officer of Nashville, TN-based asset manger Valkyrie Investments. During his tenure there, Valkyrie investments launched the United State's second bitcoin futures ETF and grew to over $1B in assets. Before Valkyrie, James was the first hire at AltoIRA, a Nashville-based fintech company specializing in self-directed IRAs designed for alternative asset investing. At Alto, he helped scale operations from pre-seed through series A — growing the team from 2 to over 100 individuals. While at Alto, James helped to establish, and then lead, the firm's business development function and, later, crypto offerings. Apart from the land of startups, James is a singer and fledgling piano player — he moved down to Nashville, TN over a decade ago singing in a band. He loves cooking, reading (primarily fantasy novels), yoga and spending time with friends + family. James advises a number of early-stage crypto projects, assisting with operational challenges and fundraising, and works with 10X Capital as a venture partner. He is a graduate of Colby College. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big!   Connect with James O'Brien: Website: www.ducky.ai X: https://x.com/Jnpobrien LinkedIn: https://www.linkedin.com/in/jnpobrien/                                       *E – explicit language may be used in this podcast.

In this conversation, John Harcar interviews Adam Bergman about the benefits and intricacies of self-directed IRAs. Adam shares his journey from being a tax lawyer to founding IRA Financial, emphasizing the potential of using retirement funds for alternative investments like real estate. The discussion covers the types of IRAs, tax benefits, common mistakes investors make, and the importance of financial education. Adam also highlights the mindset needed for success in business and investing, along with practical advice for those looking to explore self-directed IRAs. 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   —--------------------

Most investors think their retirement accounts are off-limits for real estate—but they're missing a huge opportunity.That's why this week's episode of the Not Your Average Investor Show is all about how to use 401(k)s and IRAs to build your rental property portfolio—without triggering penalties or unnecessary risk.Join JWB co-founder, Gregg Cohen, and show host, Pablo Gonzalez, as they break down:✅ What you need to know about buying real estate INSIDE your IRA or 401k✅ The biggest mistakes investors make when trying to use retirement funds for real estate✅ Common myths that keep people from tapping into this strategyWhether you're sitting on a healthy 401(k) balance or just want to better understand your options, this episode will give you the clarity you need to make smarter investing moves with the money you already have.Listen NOW!Chapters:00:00 Introduction to Real Estate Investing in Retirement Accounts01:44 Meet the Hosts and Show Introduction02:28 Audience Engagement and Recent Events04:17 Awards and Achievements of JWB10:19 Deep Dive into Retirement Account Investing23:57 Introduction to Non-Recourse Lenders24:31 Contribution Limits and Tax Consequences25:26 Required Minimum Distributions26:50 Passing Properties to Beneficiaries27:22 Non-Recourse Loan Incentives31:13 Partnering for Real Estate Investments42:07 Private Lending and Retirement Accounts44:46 Conclusion and Upcoming EventsStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

Explore powerful, often-overlooked retirement tactics—like the Rule of 55 and the 62/70 Social Security strategy—and hear listener questions answered by Wes and Christa to help you build an effective, income-focused financial future.

A lot of people pour years into building retirement accounts, only to feel trapped by choices that don't really move the needle. Watching the market swing up and down can feel like handing your future over to chance. The idea of taking real control sounds risky at first, but it also feels like the only real way to build something solid. There's something powerful about stepping outside the typical system and making your money work for you in ways most people never even consider. Adam Bergman shares how self-directed IRAs are changing the future of retirement investing. He explains how individuals can use these accounts to invest in real estate, private companies, and even crypto while keeping tax benefits intact. Adam emphasizes that entrepreneurs can tap into retirement funds to fuel their own businesses without penalties. He also broke down the often-overlooked power of compound returns in building lasting wealth. Stay tuned! Resources: Self-directing has never been easier | The smart way to invest your IRA or 401(k) in alternative assets. Subscribe to IRA Financial on YouTube Follow Adam Bergman on Facebook Connect with Adam Bergman on LinkedIn

In this special episode, Paul Merriman reflects on six decades of financial evolution, sparked by his son's 60th birthday. He draws fascinating comparisons between life and investing in 1965 and today, offering invaluable insights for every investor.What You'll Learn:A Look Back at 1965: Paul revisits societal norms, income levels, and the investing landscape of 60 years ago, including startling facts about mutual fund loads and stock commissions.The Evolution of Investing: Understand the monumental shift from individual stock picking to the dominance of mutual funds and the revolutionary impact of index funds since their inception.Market Returns & Bear Markets: Gain perspective on historical S&P 500 returns, including adjustments for inflation, and a review of major bear markets over the past decades.The Power of Low Costs: Discover how investment costs, from loads to commissions, have drastically reduced, making it easier and more affordable for today's investors.Modern Investment Tools: Paul highlights the advent of crucial financial tools like IRAs, 401(k)s, and target-date funds that weren't available in 1965, empowering today's investors.Academic-Driven Investing: Explore the rise of academic influence in investing, with a focus on firms like Vanguard, DFA, and Avantis, and why their approach offers a trustworthy path to your financial future.The Role of AI in Your Financial Journey: Paul shares his perspective on how Artificial Intelligence can empower investors to make informed decisions and find reliable financial guidance.Top Financial Education Resources: Learn about the highly recommended (and free!) "Rebel Finance School" by Alan and Katie Donoghan for new investors, and explore how to access financial literacy programs like iGrad.The Importance of Financial Literacy: Paul emphasizes that financial literacy is often overlooked in traditional education and is essential for building a robust portfolio that will support you for a lifetime.DIY Investing Philosophy: Paul reaffirms his core mission as a teacher, empowering listeners to "do it yourself" and build their financial future with confidence.Truth Tellers: Paul asked our listeners for recommendations for Truth Tellers as well as providing the list of our Truth Tellers in the show notes.Our Truth TellersWilliam J. BernsteinBen Carlson, CFA Jonathan Clements, Financial Writer/AuthorLarry Swedroe, Author, Speaker, Chief Research Officer Dr. James Dahle, MD and the founder of The White Coat Investor Morningstar – Christine Benz and John Rekenthaler, Financial Writers Stan The Annuity Man, Annuity ExpertGeorge Sisti, Certified Financial Planner® Rob Berger, podcaster, writer and author Tim Ranzetta, ngpf.orgTwo CentsTom Cock and Don McDonald VestoryBen FelixDon't miss this insightful episode filled with historical context, practical advice, and forward-looking strategies for your wealth-building journey.

We are a retired couple and own three rental properties that cover all our financial needs. Should we convert our IRAs and pay the taxes now, staying in the 24% tax bracket. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

If your goal is to spend $10,000 a month in retirement, how much do you really need saved? The answer isn't as simple—or as overwhelming—as it might seem.In this episode, I break down the key factors that influence your retirement number beyond the common 4% rule. We'll explore how Social Security can significantly reduce what you need to save, why account types like Roth vs. traditional IRAs make a major difference, and how your withdrawal strategy and retirement age can shift the numbers by hundreds of thousands of dollars. Using real planning software, I walk through examples that show how all these variables come together.Whether you plan to spend $5K or $15K a month, these principles apply. It's not about hitting a one-size-fits-all number—it's about understanding what works for your unique plan. - Advisory services are offered through Root Financial Partners, LLC, an SEC registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.Viewing this video does not create an advisory relationship with Root Financial. We only provide advisory services to clients under a written agreement. Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results. Any opinions expressed are as of the date of recording and are subject to change.The Retirement Planning Academy is an educational program offered by Root Financial Partners, LLC. Access to the Academy is provided through a one-time payment and does not establish an advisory relationship. The content is for general informational and educational purposes only and does not include personalized financial, investment, tax, or legal advice. Participation in the Academy does not make you a client of Root Financial Partners, LLC. Please consult a qualified professional for advice specific to your situation.Comments left on this video reflect the views and opinions of the individual commenters and do not necessarily represent the views of Root Financial Partners, LLC. Comments should not be considered a testimonial or endorsement of our services and have not been solicited or compensated. Root does not verify the accuracy of comments and is not responsible for their content.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Wondering how to use your retirement accounts to invest in real estate? In this episode of The Real Wealth Show, Kathy Fettke sits down with Real Wealth investment counselors Leah Collich and Stacey Stenenga to explain how investors can tap into IRAs, 401(k)s, and other retirement vehicles to build a real estate portfolio. Discover the rules, benefits, and common pitfalls of using self-directed retirement accounts—and how to get started the right way. Whether you're planning for retirement or looking to diversify your investments, this episode offers clear, actionable insights to grow your wealth through real estate.  

In this episode of Keeping It Real Estate, Dan Brisse interviews Greg Herlean, founder of Horizon Trust and expert in self-directed IRAs. Greg shares his early journey into real estate, the challenges of raising capital without a track record, and how he eventually raised over a billion dollars for hard money lending. His frustration with slow custodians led him to start Horizon Trust, a boutique firm that now helps investors move their retirement funds into real estate and other alternative assets—quickly and efficiently. Greg also breaks down the biggest risks and misconceptions around self-directed IRAs, why most people don't even realize they can use their retirement accounts for real estate, and the power of investing with operators you trust. Whether you're brand new to alternative investing or looking to level up your strategy, this episode is packed with hard-earned insights and practical advice. To get in touch with Vince, reach out to this website: www.gregherlean.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