Podcasts about IRAS

Are you making smart tax and legal decisions, or leaving money on the table without realizing it? In this episode of the Main Street Business Podcast, Mark J. Kohler tackles your toughest questions and breaks down real-world tax strategies, asset protection myths, and retirement planning mistakes that business owners and investors face every day.From selling million-dollar collectibles and avoiding unnecessary taxes, to understanding how S Corporations can impact Social Security benefits later in life, Mark tackles listener questions with practical, no-nonsense advice. You'll learn why LLCs don't magically reduce taxes, how charitable remainder trusts really work, and when trusts actually make sense — and when they're a complete waste of money.If you're a small business owner, investor, or high-income professional looking to legally reduce taxes, protect assets, and build long-term wealth, this episode is packed with insights you can use right now!You'll learn:Why setting up an LLC or corporation won't help you avoid capital gains taxes when selling high-value collectiblesWhen trusts actually make sense for asset protection—and when they're an expensive mistakeWhy Social Security has diminishing returns for high earners and how S Corporations change the mathThe rules around depreciated equipment and why you can't “reset” depreciation with a new entityHow self-rental real estate strategies can unlock powerful deductions for business ownersWhat counts as a prohibited transaction inside IRAs and Solo 401(k)s—and what doesn'tGet a comprehensive tax consultation with one of our Main Street tax lawyers that can build a tax strategy plan with an affordable consultation that will leave you speechless!! Here's the link - https://kkoslawyers.com/services/comprehensive-bus-tax-consult/?utm_source=buzzsprout&utm_medium=description-link&utm_campaign=main-street-business-podcast&utm_content=msbp607-open-forum-toughest-tax-and-legal-questions Grab my eBook 30 Unique Strategies Every Business Owner Should Know! You don't want to miss this! Secure your tickets for the #1 Event For Small Business Owners On Main Street America: Main Street 360 Looking to connect with a rock star law firm? KKOS is only a click away! 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. Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

Have questions about self-directed IRAs or alternative investing?In this live, open forum webinar, we answer some of the most common questions people have when starting their self-directing journey, with clear, practical answers. Our Senior Account Executive and Relationship Manager, Daniel Tercey, will cover topics such as:• Common self-directed IRA questions from investors• Investing in real estate, private funds, startups, precious metals, crypto, and other alternative assets• IRA rules, prohibited transactions, and compliance pitfalls to avoid• UBIT, UDFI, and when tax filings may apply• Custodial processes, account administration, and best practices• Recent trends and questions we're seeing from investorsVisit our links Daniel discusses at the end of the webinar:Linktree: https://linktr.ee/SelfDirectedIRABook a call: https://directedira.com/appointment/Directed IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

For many professionals, the traditional path of investing in 401(k)s and IRAs and waiting until their retirement date, while trading time for money, eventually raises a difficult question: Is there a better way?Today's guests discovered that by leveraging real estate and strategic relationships, they could build passive income while enjoying the perks of their 9-5 jobs and now teach others to do the same. Rather than chasing shortcuts, they focused on building a foundation that created options using hidden wealth hacks and money habits self-made millionaires use.Cory Jacobson and Ryan Bevilacqua are real estate investors, entrepreneurs, and hosts of the Wealth Juice Podcast. Through strategic partnerships and documenting their journey publicly, they've built a growing real estate portfolio while helping others take their first steps toward passive income and financial independence.Cory and Ryan unpacked the mindset shifts, relationship strategies, and long-term thinking that helped them move from early investments to scalable opportunities—while staying aligned with their purpose, lifestyle, and financial freedom goals.In this episode, you'll learn: ✅ Why financial freedom is less about early retirement and more about creating optionality.✅ How strategic partnerships, masterminds, and relationships accelerate growth faster than trying to do it on your own.✅ Why building in public creates leverage, credibility, and unexpected opportunities.Show Notes: LifestyleInvestor.com/275Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

My guest in this episode is Dave Stech. Dave heads up Stech Family Office with his two sons. Their family firm, Purpose Built Investments™ (PBI), is a real estate market timing company that invests exclusively in 3 things: real estate, private lending, and early-stage technology companies, including in their self-directed IRAs.Dave graduated from the London School of Economics and speaks at Harvard University and other conferences where he shares his annual State of the Union for Real Estate Investors and Private Lenders: What's Coming Next? In 2005, Dave spoke at Harvard and predicted the housing market collapse, then sat on the sideline until 2009 when he re-entered and enjoyed the record-breaking run we've been on until 2020. In 2019, Dave predicted a recession in 2020.In this episode, Dave shares why it's the calm before the storm and what every real estate investor should know now.Interview Links:Book A Call: https://accessinsiders.com/mc/Subscribe To Our Weekly Newsletter:The Wealth Dojo: https://subscribe.wealthdojo.ai/Download all the Niches Trilogy Books:The 21 Best Cashflow NichesDigital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-best-cashflow-niches-book⁠⁠Audio: ⁠https://podcasters.spotify.com/pod/show/21-best-cashflow-niches⁠The 21 Most Unique Cashflow NichesDigital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-most-unique-cashflow-niches⁠⁠Audio: ⁠https://podcasters.spotify.com/pod/show/21-most-unique-niches⁠The 21 Best Cash Growth NichesDigital: ⁠https://www.cashflowninjaprograms.com/the-21-best-cash-growth-niches⁠⁠Audio: ⁠https://podcasters.spotify.com/pod/show/21-cash-growth-nichesThe 21 Next Level Cashflow NichesDigital: https://www.cashflowninjaprograms.com/the-21-next-level-cashflow-niches-book-free-downloadAudio: https://podcasters.spotify.com/pod/show/the-21-next-level-nichesListen To Cashflow Ninja Podcasts:Cashflow Ninja⁠https://podcasters.spotify.com/pod/show/cashflowninja⁠Cashflow Investing Secrets⁠https://podcasters.spotify.com/pod/show/cashflowinvestingsecrets⁠Cashflow Ninja Banking⁠https://podcasters.spotify.com/pod/show/cashflow-ninja-banking⁠Connect With Us:Website: http://cashflowninja.comPodcast: http://cashflowinvestingsecrets.comPodcast: http://cashflowninjabanking.comSubstack: https://mclaubscher.substack.com/Amazon Audible: https://a.co/d/1xfM1VxAmazon Audible: https://a.co/d/aGzudX0Facebook: https://www.facebook.com/cashflowninja/Twitter: https://twitter.com/mclaubscherInstagram: https://www.instagram.com/thecashflowninja/TikTok: https://www.tiktok.com/@cashflowninjaLinkedin: https://www.linkedin.com/in/mclaubscher/Gab: https://gab.com/cashflowninjaYoutube: http://www.youtube.com/c/CashflowninjaRumble: https://rumble.com/c/c-329875

In this episode of the Green Side Up Podcast, Jason and Jordan sit down in person with Danny Gutcher of KASE Wealth Advisors for a deep dive into money, retirement, and long‑term planning—through the relatable lens of Danny's baseball journey. Danny shares his path from Tampa high school standout to Division II national champion catcher at the University of Tampa, then explains how he transitioned from molecular biology and CTE research ambitions into a career as a fiduciary financial advisor. The conversation breaks down, in plain language, topics like fee-based vs. commission-based advising, what a fiduciary really is, Roth vs. traditional IRAs, 401(k)s vs. SIMPLE IRAs, company matches, vesting, HSAs, and tax diversification. Jason and Jordan press Danny on how small businesses like landscape and tree service companies can set up retirement plans, use matches as a retention tool, and structure contributions so both owners and employees win. It's a practical, story-driven guide for young professionals, blue‑collar employees, and business owners who want to stop guessing about retirement and start building a real plan.

Retirement researcher Stefan Sharkansky explains why the 4% rule often leaves retirees underspending — and how a more flexible, math-driven approach can lead to a better retirement experience. For decades, the 4% rule has been treated as a gold standard for retirement spending. In fact, I made video about it on my YouTube channel. If you ask most retirees how much they can safely spend, the conversation quickly turns to probabilities, simulations, and avoiding failure. But what if the real risk isn't running out of money — it's not using it well? In this episode of Retire Today, I'm joined by Stefan Sharkansky, whose background in math and computer science led him to question how retirement spending strategies are actually designed — and what they optimize for. As Stefan put it plainly, “Under the average market scenario, following the safe withdrawal rate of 4% would leave you with more when you passed away than when you started.” In other words, many retirees are leaving too much money on the table in their retirement spending plan. The Problem With “Safe” Withdrawal Rates Most retirement spending research focuses on one outcome: not running out of money. Advisors often present plans as probabilities — a 90% or 95% chance of success — where “success” means the portfolio never hits zero. But this framing runs the risk of missing what retirees actually care about. After all, if you have a 90% probability of success, what that really means is that 89% of the time, you could have spent more. That insight flips traditional planning on its head. Instead of asking, “What's the safest amount I can withdraw?” the better question becomes, “What level of spending lets me live well — while staying adaptable if conditions change?” Why Retirement Spending Isn't Constant One major flaw in the 4% rule is the assumption that spending stays flat year after year. Real life doesn't work that way. Spending often starts higher in early retirement with travel and experiences, dips in later years, then rises again due to healthcare needs. Taxes also change as retirees shift between taxable accounts, IRAs, and Roth accounts. As Stefan noted, “This idea of constant spending never exists in the real world.” Any retirement spending plan that assumes otherwise is solving the wrong problem. A Salary-and-Bonus Approach to Retirement Stefan's research introduces a different framework — one that mirrors how people actually lived during their working years. He described a model where retirees create: A stable, inflation-protected income base using Social Security and a ladder of TIPS (Treasury Inflation-Protected Securities) A variable ‘bonus' income driven by long-term stock performance “You have your salary from Social Security and your TIPS,” Stefan explained, “and then you get a bonus based on how the stock market does.” In strong markets, spending can increase. In weaker years, spending adjusts — while working to help maintain long-term security. The key is that adjustment is assumed, not treated as failure. Rethinking Risk Tolerance Traditional risk tolerance focuses on portfolio volatility — how much account values swing up and down. Stefan argues retirees should think differently. “Risk tolerance should be about how much variability in income you're comfortable with,” he said, “not just what percentage of stocks and bonds you hold.” Some retirees prefer a higher guaranteed income floor with less variability. Others are comfortable with more income fluctuation in exchange for higher long-term spending. The right plan aligns income stability with personal preferences — not arbitrary rules. Why This Matters Many retirees say the 4% rule “doesn't work for them” — not because it's unsafe, but because it doesn't generate enough income to support the life they want. Stefan's research shows that when you plan for flexibility, rather than perfection, you can often spend more, not less — while still maintaining control. The goal isn't to maximize your ending balance. It's to maximize your retirement experience. Ultimately, you need to make your retirement spending plan in a way that not only is within your means, but meets your retirement goals.  Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Is the 4% Rule Outdated? New Research Reveals the TRUTH – Mr. Retirement YouTube Channel Stefan Sharkansky on LinkedIn TheBestThird.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Employer retirement plans can be one of the most powerful wealth-building tools available, yet they are also among the most confusing. In this episode of the Women's Money Wisdom podcast, Melissa Joy, CFP®, breaks down how to make the most of your workplace retirement benefits in 2026.Melissa walks through the key retirement plans many employees have access to, including 401(k), 403(b), and 457 plans, and explains why 2026 is a pivotal year for retirement planning. With multiple legislative changes now in effect, including SECURE Act 1 and 2 and new tax rules impacting catch-up contributions, understanding your options has never been more important, especially for high earners.This episode covers updated contribution limits, new catch-up contribution rules for those over age 50, and the temporary super catch-up opportunity for individuals ages 60 to 63. Melissa also explains the new Roth mandate for high earners, what it means for your tax strategy, and how it may change the way you approach retirement savings going forward.Beyond contribution limits, Melissa explores advanced planning opportunities such as after-tax contributions, mega backdoor Roth strategies, and how different employer plan designs can dramatically affect how much you are able to save. She also highlights commonly overlooked strategies for dual-income households, spousal IRAs, and the growing role of Health Savings Accounts as an extension of retirement planning.If retirement planning feels overwhelming, this episode offers clarity, structure, and actionable guidance to help you confidently use your employer benefits to support your long-term goals.Key topics discussed include:2026 retirement contribution limits and what's changedCatch-up and super catch-up contribution rulesThe new Roth requirement for high earners over age 50Coordinating retirement savings for couplesUsing HSAs as a long-term retirement strategyMega backdoor Roth opportunities and plan design considerationsCommon mistakes that can reduce employer matchingFor personalized guidance, Melissa encourages listeners to review their options with a financial planner to ensure their retirement strategy aligns with both current tax laws and long-term goals.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Protect your identity from tax-season scams and learn when 401(k) and IRA rollovers make sense. How do you roll over old 401(k)s and IRAs? And is a mega backdoor Roth worth the hassle? Hosts Sean Pyles and Elizabeth Ayoola answer listener questions about retirement account rollovers, including when consolidation can help and how to avoid common missteps. But first, they kick off Identity Theft Awareness Week (and tax season) with a refresher on how you can protect your data, including pausing before you click or pay, updating passwords and tightening account security, and recognizing common scam tactics like fake websites, IRS impostors, smishing, and AI-powered impersonation. Then, investing Nerd Sam Taube joins Sean and Elizabeth for a lightning round all about retirement account rollovers. They answer listener questions about whether to roll over and consolidate multiple old 401(k) accounts, whether a mega backdoor Roth is worth the hassle and potential tax complexity, whether consolidating multiple IRAs is likely to boost returns or mainly simplify finances, and whether rollover IRAs have the same bankruptcy and creditor protections as 401(k)s. Links discussed in this episode:  Report fraud through the FTC: https://reportfraud.ftc.gov/ 5 Low-Cost Target-Date Funds for 2026 https://www.nerdwallet.com/investing/learn/what-is-a-target-date-fund-and-when-should-you-invest-in-one  Mutual Fund Calculator: Growth and Fees https://www.nerdwallet.com/investing/calculators/mutual-fund-calculator  Best IRA Accounts for 2026 https://www.nerdwallet.com/retirement/best/ira-accounts  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: tax season scams, identity theft, phishing scams, smishing, gift card draining, fake websites, IRS impostor scam, government impostor scam, emergency scam, bogus debt scam, employment scams, AI scams, voice cloning, deepfake scams, data breaches, mail theft, public Wi-Fi risks, password updates, credit report monitoring, billing statement review, Federal Trade Commission, reporting fraud, 401(k) rollover, IRA rollover, consolidating retirement accounts, legacy 401(k)s, target-date funds, expense ratios, mutual fund screener, after-tax 401(k) contributions, employer match, mega backdoor Roth, Roth conversion, pro-rata rule, taxes on investment gains, conversion limits, managed accounts vs self-directed investing, robo-advisor investing, beneficiary organization, bankruptcy protection, creditor protection, and rollover IRA protections. 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

Get my new book: https://bronsonequity.com/fireyourselfDownload my new special report - How to Use Inflation to Your Advantage - www.bronsonequity.com/inflationJoin Bronson Hill on the Mailbox Money Show for a replay of this high-octane webinar, "Don't Miss the Precious Metals Boom," packed with insider strategies to capitalize on surging gold and silver prices amid global uncertainty. As host of monthly investor forums and author of Fire Yourself, Bronson moderates a powerhouse panel dissecting the rally's drivers—from central bank hoarding and Fed rate cuts to dollar weaponization and industrial demand—while weighing physical metals against crypto's volatility.Featuring:Brien Lundin, veteran editor of The Gold Newsletter (55+ years strong) and producer of the world's oldest investment conference, the New Orleans Investment Conference.Russell Gray, founder of Raising Capitalists Foundation and advocate for sound money, sharing arbitrage tactics like metals-backed equity lines.David Morgan, publisher of The Morgan Report, delivering contrarian takes on market tops, silver acceleration, and deflation risks.Dana Samuelson, precious metals expert at American Gold Exchange, breaking down dealer insights on ratios, IRAs, and 10-20% upside potential.Whether stacking bullion or blending with equities, don't sleep on this boom—tune in for actionable intel to hedge inflation and seize the next leg up.TIMESTAMPS2:28 - Episode Overview3:04 - Panelist Introductions: Dana, Brien, David, Russell3:58 - Gold Rally: Real or Topping Out?4:17 - Russell: Gold as Liquid Wealth Store vs. Trading6:02 - Brien: Gold as Insurance, Debt Endgame Bull7:34 - Fed Cuts: Bullish for Gold in September8:38 - Poll: Reasons for Gold Breakout9:03 - Dana: Central Banks, Tariffs Driving $400 Rise11:25 - David: Gold 3200-3500 Range, Silver 90/10 Acceleration15:13 - Crypto vs. Physical Metals Debate16:15 - David: Crypto as Gold/Silver Diversion, Miners Losing17:49 - Russell: Circle of Safety - Gold, Bitcoin, Treasuries23:07 - Brien: Bitcoin Speculation, Potential Phoenix Rise25:44 - Dana: Bitcoin Volatile, CBDC Control Threat27:23 - Gold-Silver Ratio at 88:1 Discussion28:13 - Dana: Favor Silver, Ratio Arbitrage29:19 - Brien: Hold Both, Silver to $40 Soon30:15 - David: Swap to Silver/Platinum at Extremes33:02 - Bronson: Metals Benefits - Hedge, Value, Liquidity33:40 - Russell: Metals as Equity/Savings, Arbitrage Debt37:58 - $100K Allocation Rapid Fire38:28 - Brien: 60-70% Silver, Add Copper39:21 - David: Physical First, Then Mining Equities40:36 - Russell: All Gold, Borrow to Buy Silver42:22 - Dana: 30% Gold, 50% Silver, 20% Plat/Pall43:37 - Q&A: Industrial Demand on Silver Prices46:01 - Q&A: Metals in Self-Directed IRA46:48 - Q&A: BRICS Restructuring LBMA/COMEX50:30 - Rapid Fire: US Return to Metal Standard Odds52:40 - Panelist Offers and ClosingJoint the Wealth Forum: bronsonequity.com/wealthConnect with the Guests:Brien Lundin:Gold Newsletter: goldnewsletter.comWebsite: https://neworleansconference.com/Linkedin: https://www.linkedin.com/in/brien-lundin-b37a4819/X: : https://twitter.com/GoldNewsletterRussell Gray:Investor Mentoring Club: rsvp@investormentoringclub.comLinkedin: https://www.linkedin.com/in/russellwgray/Email: follow@russellgray.comDana Samuelson:Website: www.amergold.comPrecious Metals Starting Guide (Email): info@amergold.comYoutube: https://www.youtube.com/c/AmericanGoldExchangeAustinLinkedin: https://www.linkedin.com/in/dana-samuelson-64793056/ David Morgan:Website: https://www.themorganreport.com/Linkedin: https://www.linkedin.com/in/thedavidmorgan/Facebook: https://www.facebook.com/TheMorganReport#PreciousMetalsBoom#GoldRally#SilverAcceleration#DeDollarization#CryptoVsGold#InvestorStrategies#SoundMoney

In this episode, we explore the emotional and structural challenges that come with transitioning from a lifetime of saving to actually spending in retirement. We focus especially on healthcare professionals—nurses, physicians, and leaders—who have spent their careers making cautious, life-impacting decisions and who now face a very different kind of responsibility: using the money they've carefully built.We start by recognizing how identity plays a major role. Many in healthcare see themselves as protectors and planners. Saving becomes a symbol of safety, and shifting to spending can feel like breaking an internal rule. With the end of scheduled shifts and steady paychecks, many experience a sense of floating—losing the rhythm they've followed for decades. We clarify that this unease is normal, not a sign of poor planning, but a psychological adjustment.We emphasize that the solution lies in structure. By creating an income plan that mimics the regularity of a paycheck, we restore the stability many retirees need. We walk through how to assemble an “income playbook”—a way to integrate pensions, IRAs, 403(b)s, HSAs, and savings into a cohesive plan. Each account gets a role, whether it's for essentials or discretionary goals, and cash buffers protect against market swings. Automation is key here—turning on scheduled withdrawals and tax withholding brings back the rhythm retirees are used to.We also break down the concept of retirement into phases: go-go, slow-go, and no-go years. Spending shifts naturally, so we help clients build flexibility into their plans. Travel and hobbies may define the early years, while later stages often involve more home time or increased healthcare costs. By projecting different scenarios and using guardrails, we help people make confident adjustments as life evolves.Throughout, we stress that it's okay to spend what you've saved. Retirement isn't about hoarding your wealth—it's about enjoying the life you worked hard to build. We suggest starting with a snapshot of your financial picture, visualizing what your days might look like, and even running a test month on future income to see how it feels. Ultimately, retirement is about shifting into a new, well-supported identity—one that still reflects who you are but in a new chapter of life. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

This week's episode of "Investing Simplified" focused on financial spring cleaning, urging listeners to review tax-year contributions and ensure their financial plans are on track as the new year unfolds. Matt Sudol and Matt Mai discussed remaining deadlines to contribute to IRAs, Roth IRAs, SEP IRAs, solo 401(k)s, and health savings accounts for the previous tax year, highlighting the importance of waiting until tax documents and final income figures are available before making decisions. They offered practical advice for staying organized through tax season, including tracking qualified charitable distributions and understanding rollover rules, while emphasizing patience with financial institutions during document processing.The show then explored the concept of “lazy money” and appropriate emergency reserves. Matt and Matt explained how interest rates and planned major expenses should influence how much cash is kept accessible and advised not to settle for low-yield traditional banks when better options exist. In the investment strategy segment, they covered the importance of rebalancing portfolios after strong market years or increased volatility to maintain proper risk levels. The duo also encouraged listeners to consider dollar-cost averaging to smooth investment entries and invited questions and consultations for tailored financial advice.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

Jim and Chris discuss listener emails on Social Security survivor benefits and the earnings test, share a listener PSA on Social Security timing and IRMAA, then cover ERISA protections for retirement rollovers and a PSA from Greg on lifetime unlimited long-term care policies.(9:45) Georgette asks whether she must still take her husband's required minimum distributions if he passes during his RMD year and how Social Security survivor benefits work, including whether she should claim a widow's benefit or wait to take her own.(50:45) A listener asks how the Social Security earnings test applies when someone retires before full retirement age and applies midyear, and how to avoid missing a month of income due to the timing of benefit payments.(55:00) The guys share a PSA about applying for Social Security and receiving benefits within days, which caused an unexpected IRMAA impact.(1:00:35) Jim and Chris discuss whether rolling Roth and pre-tax 401(k) assets into IRAs results in losing ERISA protections, or if separate rollover IRAs are needed to preserve those protections.(1:15:15) Greg, from our office, shares a PSA clarifying that some lifetime unlimited long-term care policies still exist. The post Social Security, ERISA, LTC: Q&A #2604 appeared first on The Retirement and IRA Show.

So today they talk about movies, reverse mortgages, regular mortgages, IRAs, Annuities, pellet smokers, Amazon, and guitars. How can they talk for so long about things they know almost nothing about? I guess if our current US president can do it, Doug and Strickland can too. And these guys probably know more about Greenland than Trump. At least they can find it on a map. Do you want some cool merch? Check out the store here- https://www.niceguysonbusiness.com/merch Need podcast production? We've got your back. https://turnkeypodcast.com/contact Your Voice, your message, fully produced. Leave a voice mail for the Nice Guys: 424-2DJ-DOUG – (424) 235-3684Need help podcasting? http://www.TurnkeyPodcast.comJoin our Nice Guys Community. http://www.NiceShortCut.com No time to get to this, but you can read the blog here: 12 Worries Every Entrepreneur Has (or they are lying) Show notes written lovingly by the most anonymous man (or woman) in the world. Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. Rent your Classic Ford for commercials, film and special eventswww.ClassicFordRentals.comSign up today free of charge

Don and Tom open with sports banter and TV talk before diving into state-run retirement savings programs, explaining how auto-enrollment boosts participation and what fees and investment options really look like. They discuss why forced saving works, why Roth structures make sense, and how these plans compare to traditional IRAs. The conversation shifts to the emotional side of retirement, emphasizing purpose, “mattering,” and the mental health risks of disengagement. Listener calls cover annuity sales masquerading as fiduciary advice, helping a widowed parent invest conservatively, and managing old 401(k)s. The show closes with a thoughtful discussion of advisor fee models, self-management, and why planning and tax strategy matter more as retirement approaches. 0:04 Show intro, Broncos talk, Mad Men, and settling in 2:02 Retirement as the biggest lifetime expense 2:47 State-run retirement plans and auto-enrollment 3:47 Who really pays for “free” state plans 4:09 Why Roth-style saving makes sense 6:25 OregonSaves fees and State Street target-date funds 8:07 Limited investment choices in most retirement plans 9:24 Florida has no state savings plan 9:33 WSJ article on purpose and meaning in retirement 11:12 “Mattering” and being needed after retirement 12:19 Longevity after age 65 14:30 Retirement without a plan vs. needing structure 15:36 Depression and suicide risks in older retirees 16:52 Caller: “Fiduciary” selling indexed annuity 17:40 Why annuity pitches violate fiduciary duty 20:20 Knowing yourself before retiring 21:18 Caller: Helping widowed mother invest safely 22:33 When CDs and Treasuries make sense 23:47 Using brokerage CD ladders 26:34 Sports updates and listener mail 27:36 Old 401(k)s and consolidation 30:43 Listener saved $100K/year in advisory fees 31:47 AUM vs hourly vs flat-fee advisors 34:47 Subscription advisors and limited portfolios 35:51 Why advice matters more in retirement Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textEpisode 3 of Inside the Family Office: Live Investor PanelReal family office practitioners and allocators share how they structure deals, protect families, and think about wealth:  John, who works inside a single family office's trust company, explains how they custody over $70B in assets with a focus on alternative assets inside self-directed IRAs, Roth IRAs, HSAs, and solo 401(k)s. He walks through real examples of using these vehicles to buy property and earn profits with zero tax, and why he's obsessed with Roth structures for families and principals. John also touches on recent policy interest in alternatives within retirement plans and the explosive growth in investors seeking non-correlated assets. Dr. Cook closes with her own experience allocating Roth capital into crypto and other alternatives.

The years between your last paycheck and your first Social Security or RMD can be the most valuable tax planning window of your life. We call it the Golden Window, and it's when your income is low, your tax brackets are flexible, and your choices can reshape your entire retirement. In this conversation I lay out the strategy that helped one couple save $180,000 in lifetime taxes without sacrificing lifestyle or taking more risk.We unpack how to use low-income years to your advantage: converting pre-tax IRAs to Roth at favorable rates, harvesting long-term capital gains at 0% in some cases, and rebalancing or simplifying portfolios with minimal tax impact. Why delaying Social Security and pensions can open room to “fill” the 12% or 22% bracket with Roth conversions today to avoid 24% to 32% later. You'll learn how proactive moves now can shrink future RMDs, reduce IRMAA surcharges on Medicare premiums, and lower the portion of Social Security that gets taxed.You'll also hear a step-by-step case study of Mark and Linda, both retired at 62 with most of their savings in IRAs. By living from cash and brokerage for five years and converting $60,000 to $100,000 annually before age 67, they moved $380,000 into Roth accounts, cut projected RMDs from $78,000 to $32,000, avoided IRMAA, and kept more of every benefit. Common pitfalls to avoid—claiming Social Security too early, turning on pensions immediately, skipping conversions, and ignoring bracket math—and a clear framework to plan year by year.If you're looking to build a smarter retirement tax plan and stop tipping the IRS, this breakdown gives you the blueprint. Subscribe, share with someone planning to retire soon, and leave a review with the question you want answered next.

Susan is 65, recently widowed, and has saved $2.1 million for retirement.On paper, she's more than fine… but emotionally, she doesn't feel fine.After watching her husband pass away, Susan is ready to retire five years earlier than planned so she can enjoy her “go-go years” while she still has her health.But she's terrified of one thing:

Being a Millionaire Ain’t What It Used to Be Episode 367 – It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. But in today's economy, being a millionaire does not necessarily project the same status it once did. Or does it? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 367 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode, being a millionaire ain’t what it used to be. It wasn't that long ago that Regis Philbin drew massive viewers with his TV program Who Wants to Be a Millionaire. Never mind the fact that the top prize was $1 million before taxes, which is considerably less than $1 million after taxes. And while it's much more noticeable today, even during Y2K, being a millionaire did not give the same status that it once did. Yet it's an achievement many of us are shooting for. According to a new study, almost half of all workers (48 percent) have set $1 million as their retirement benchmark. That number was only 37 percent in 2024. But people aren't necessarily optimistic about reaching that milestone. In fact, a mere 27 percent actually expect to get there.[1] Another recent study provides more information on this. An analysis of government survey data done by Bloomberg indicates that there are more than 24 million millionaire households, or almost one in five. But a lot of that wealth is sealed into 401(k)s, IRAs and home equity, none of which is easily accessible. This is especially true for households in the lower end of the millionaire spectrum, with a net worth between $1 million and $2 million, which on average, have 66 percent of their wealth locked into these types of assets.[2] It’s important not to minimize what so many people have accomplished. $1 million is a great emotional milestone. And it's still a lot of money. The median household net worth is considerably less: about $193,000.[3] But nowadays, you might not be able to live off $1 million. It could end up lasting you a long time, but it all depends on where you live (which you can control), your health and longevity (which you might not be able to control), and how much you spend on things like housing, health care and other expenses. Every situation is different, of course. The cost of living varies widely throughout the United States. According to research by Forbes magazine, the average cost of living, defined as “housing costs, transportation, health care, food and income taxes,” is the highest in Hawaii at $55,491. Mississippi comes in the lowest with an average of $32,336. Of course, this is just for the essentials. The figures don't include entertainment, travel or anything else.[4] When it comes to longevity, average life expectancy has some quirks to it. For one thing, each year you age, your remaining life expectancy goes down, but not by a full year. This is a statistical oddity due to the fact that you're still here, but a few of your peers are not. For example, if you are a male age 60, your remaining life expectancy is 23.3 years, or to age 83.3. But if you make it to age 65, your new life expectancy is 19.3 years, or to age 84.3.[5] There are gender differences as well. For people age 65, females, on average, outlive males by approximately 2.7 years.[6] These are all just averages, of course. But the resulting life expectancies are often longer than people might anticipate. Here's another unique statistic: For a married couple age 60, there is approximately a 60 percent chance that at least one of the two will live past age 90.[7] That may or may not be you, but the longer you expect to live, the more concerned you will be about whether your $1 million is enough. How long will it last, and will you still be around when it runs out? Here are three hypotheticals compiled by SmartAsset. In the first one, assume you start with $1 million and get a 6 percent return. Also assume you are in a 24 percent tax bracket and you spend $5,000 per month. In that scenario, your $1 million should last you 30 years. But in the second scenario, assuming your return goes down to 5 percent, the well would run dry in 26 years. In the third scenario, your return goes up to 7 percent. But your tax bracket is also higher: 32 percent, and your withdrawal goes up to $6,000 per month. With those assumptions, your savings would only last 23 years.[8] Keep in mind that these examples do not include other sources of income such as Social Security. The maximum amount of Social Security you can collect is $5,181[9] per month before tax and Medicare charges, but that assumes you paid in the maximum and collect at age 70, which less than 10 percent of people do.[10] The average benefit is approximately $1,959 per month.[11] But when it comes to retirement income, the one huge advantage Social Security has is that it is indexed for inflation, although the Cost of Living Adjustment (or COLA) increases don't always keep up. So, how much you can accumulate for retirement is important, but it's not everything. Perhaps some of us are focusing on the wrong thing. Maybe it's just as important to have an income plan as it is to have an accumulation plan.[12] In other words, no matter how much you save, it's still only the first half of the journey. [1] Randall, Steve. “Nearly half of workers peg retirement target at $1M as anxiety climbs.” Investmentnews.com. https://www.investmentnews.com/retirement-planning/nearly-half-of-workers-peg-retirement-target-at-1m-as-anxiety-climbs/263546 (accessed December 15, 2025). [2] Steverman, Ben, Tartar, Andre and Davidson, Stephanie. “America Is Minting Lots Of Cash-Strapped Millionaires.” Fa-mag.com. https://www.fa-mag.com/news/america-is-minting-lots-of-cash-strapped-millionaires-84395.html (accessed December 12, 2025). [3] Kane, Libby. “The net worth it takes at every age to be richer than most people you know.” Businessinsider.com https://www.businessinsider.com/net-worth-data-american-wealth-age-2025-4 (accessed December 12, 2025). [4] Rothstein, Robin. “Examining The Cost Of Living By State.” Forbes.com. https://www.forbes.com/advisor/mortgages/cost-of-living-by-state/ (accessed December 15, 2025). [5] Social Security Administration. “Retirement & Survivors Benefits: Life Expectancy Calculator.” Ssa.gov. https://www.ssa.gov/OACT/population/longevity.html (accessed December 15, 2025). [6] The Global Statistics. “Life Expectancy by Age in the US 2025 | Stats & Facts.” Theglobalstatistics.com. https://www.theglobalstatistics.com/life-expectancy-by-age/ (accessed December 15, 2025). [7] Social Security Administration. “Longevity Visualizer.” SSA.gov. https://www.ssa.gov/policy/tools/longevity-visualizer/index.html (accessed December 15, 2025). [8] Smartasset.com. “Is $1M Enough to Retire Comfortably in 2025? Replace Guesswork With a Fiduciary-Built Plan.” Insights.smartasset.com. https://insights.smartasset.com/sem/how-long-will-1m-last-in-retirement?utm (accessed December 15, 2025). [9] Social Security Administration. “Worker with steady earnings at the maximum level since age 22.” Ssa.gov. https://www.ssa.gov/OACT/COLA/examplemax.html (accessed December 15, 2025). [10] Royal, James. “What age do most Americans take Social Security?” Bankrate.com. https://www.bankrate.com/retirement/when-do-most-americans-take-social-security/ (accessed December 15, 2025). [11] Horton, Cassidy. “What's the average Social Security check in Dec. 2025?” Aol.com. https://www.aol.com/finance/retirement-planning/article/average-social-security-benefit-payment-december-2025-195039610.html (accessed December 15, 2025). [12] LaPonsie, Maryalene. “Can You Retire on $1 Million? Here’s How Far It Will Go in 2025.” USNews.com. https://money.usnews.com/money/retirement/articles/can-you-retire-on-one-million (accessed December 15, 2025). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

On this episode: One woman writes in talking about her biggest retirement regret. Millions of pre-retirees are moving money from their 401(k)s to their own IRAs. A smart move. Yet many people are stuck on what to do next. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Jay Conner joins host Mark Monroe on this powerful episode of the Real Estate Power Play Podcast to break down one of the most misunderstood, and profitable, aspects of real estate investing: private money.In this episode, Jay shares how the 2009 financial crisis forced him to rethink traditional bank funding and led him to raise over $2.15 million in private money in less than 90 days, without pitching deals, begging banks, or asking for money.Inside this episode, you'll learn:• Private money vs. hard money (and why the difference matters)• How to fund 100% of your deals without banks• Why “get the deal first, the money will show up” is a dangerous myth• How to structure private lending safely and securely• The exact script Jay uses to get deals funded every time• How self-directed IRAs unlock capital from everyday peopleJay explains why you should line up the money first, how desperation sabotages deals, and how to position yourself as the opportunity, not the borrower.If funding has ever been your bottleneck, this episode will completely change how you approach real estate investing.Tune in now and learn how true power players control the money before they control the deals.#SellerFinancing #sellerfinancingstrategies #markmonroe #realestateinvesting #realestate  #cashflow #realestatetips #RealEstatePodcast #taxStrategies #assetprotection

Think your cash is safe sitting in a traditional bank? Think again. Centralized banks profit from your deposits while offering little protection or growth. Long before banks dominated the financial system, mutual whole life insurance companies provided unmatched stability, guaranteed growth, and security that will last generations.  In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks Esq., reveal why these policies beat IRAs and 401(k)s, how compounding growth will supercharge your cash, and why keeping your money in the right insurance policies—not banks—will give you true long-term financial control. Whether you're seeking true financial freedom, wealth preservation, or a smarter approach – this podcast reveals the strategies banks don't want you to know about. Seth and Vance discuss: Before centralized banks: the power of mutual whole life insurance companies Why these policies offer unmatched stability compared to IRAs and 401(k)s  How compounding growth accelerates your wealth over time The smart strategy: keeping your money in policies instead of banks Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/ 

Good morning, afternoon, and good evening, everybody! Scott Carson here, and boy, do I have a treat for anyone asking, "What am I gonna do in 2026?!" Our special guest isn't just a rockstar; he's the man, the myth, the legend who got smacked with an "oh, sh*t, I gotta do something FAST" moment when he and his wife welcomed triplets! That's right, Dave Wolcott of Pantheon Investments, author of Holistic Wealth Strategy, joins us to map out your blueprint to financial freedom. This isn't about silver spoons; it's about intentional living and kicking the "rat race" to the curb!Dave's journey, from 20 years in the Marine Corps to building a phenomenal alternative investment portfolio, shaped his unique 5-phase framework. He's here to show you how to escape Wall Street's paradigm, boost your Financial IQ, and finally achieve that true legacy wealth you've been dreaming of.Here are Dave's 5 Pillars to building your Holistic Wealth:Mindset is 80% of the Game: Learn why focusing on the "six to eight inches between your ears" and cultivating an "asymmetric mindset" (higher yield, lower risk!) is crucial to overcoming self-doubt and conventional financial planning myths.Elevate Your Financial IQ: Discover why your net worth is directly proportional to your financial IQ. Embrace Warren Buffett's wisdom: only invest in what you truly understand, opting for "Main Street" private assets over Wall Street's "pawn" game.Fortress Your Finances with Infrastructure: Understand the importance of building robust infrastructure around your wealth, including solid tax strategies (aim for 20% or less!), infinite banking, and using tools like Pantheon Wealth OS to track your portfolio.Strategic Asset Repositioning: Uncover creative ways to reallocate "trapped" capital from qualified plans (401k) into self-directed IRAs for alternative investments, or leverage home equity for smart arbitrage (borrowing at 8% to make 12%+).Massive Passive Income Through Action: Dave breaks down how to build a diversified portfolio of non-correlated assets (notes, real estate, oil & gas) to achieve the "trifecta": tax efficiency, passive income, and forced appreciation – all by taking consistent action!If you've been hoping your financial future will magically sort itself out (spoiler: hope is not a strategy!), this episode is your wake-up call. Dave proves that true wealth is built intentionally, not accidentally. He'll show you how to stop listening to the "too risky" crowd and start making moves that make sense.Grab your free copy of Dave's book at holisticwealthstrategy.com and start your intentional journey today! Because like Dave's kids, who are already crushing fix-and-flips using infinite banking, it's time to teach yourself (and your family) how to play chess with money, not checkers.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Las Fiestas de la Calle San Sebastián rompen récord: asistencia, montaje “tipo Choli” y $94M de impacto en 4 días, directo del alcalde de San Juan por videollamada. Luego, con Carlos Feliciano (CAF Investments), aterrizamos lo que implica poner tope de 10% a las tarjetas de crédito, la compra de $200B en bonos hipotecarios, la reforma contributiva en PR (tablas nuevas, capital gains al 4%, IRAs) y la rotación de sectores (de tech a infraestructura/energía).Link referido CAF: https://calendly.com/cafinvestments/15minMERCH NUEVO DE CAFE EN MANO: juanvi.bigcartel.comCapítulos:00:00 Bienvenida + contexto del episodio01:00 Alcalde de San Juan en videollamada02:10 Asistencia y $94M de impacto económico04:45 Montaje “tipo Choli” + cartelera de artistas06:30 Estrategia de medios y proyección internacional08:40 Monitoreo en tiempo real y control de acceso11:10 Logística: limpieza, baños, horarios y seguridad15:40 Operación “ciudad limpia” al amanecer18:30 Tope 10% a tarjetas: qué es y quién decide22:20 $200B en bonos hipotecarios, tasas e inflación27:35 Reforma contributiva PR: tablas, 4% capital gains, IRAs31:25 Act 60 vs locales: misma tasa 4%33:00 Rotación de sectores: de tech a infraestructura/energía36:50 Arabia Saudita abre su mercado + ADRs40:55 “Gurús” sin licencia vs asesores regulados46:10 $7.8T en money market/HYSA: riesgos y próximos pasos52:00 Checklist: salda deudas, fondo emergencia, invierte

Multigenerational planning isn't just about retaining assets after a wealth transfer. When done well, it becomes a powerful way to elevate service, improve family communication, and drive meaningful growth today. Carli Smith, founder of Signal Wealth Advisors, has built her practice in part by engaging entire family units—not just individual clients. In this episode, she explains how she navigates the tax and estate implications of inherited IRAs and taxable accounts, invites aging parents and adult children into collaborative planning conversations, and combines family assets to serve clients who might otherwise fall below her $2 million minimum. She also shares how strategic partnerships with estate planning attorneys and CPAs fueled a 70% increase in AUM in a single year, why nurturing client promoters leads to higher-quality referrals, and how she made the decision to leave her previous firm after it was acquired and start her own business. For show notes and more visit: https://www.kitces.com/472

The New Year’s resolution Financial Boot Camp continues with an advanced look at 2026 tax planning and how recent tax law changes may affect retirement and income decisions. In this episode of Protect Your Assets, David Hollander walks through updated tax rules and planning considerations involving IRAs, 401(k)s, Roth strategies, and required minimum distributions (RMDs). The discussion highlights scenarios where RMD timing, rollover decisions, and Roth conversions may warrant closer review, particularly for individuals approaching or already in retirement. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

With markets, economic policy, and investing headlines moving quickly as 2026 begins, separating signal from noise matters more than ever. In this episode of the Money Matters Podcast, Wes Moss and Connor Miller provide structured context on widely discussed market and policy topics relevant to long-term financial decision-making. • Review early-2026 market and economic headlines, including federal policy activity and legislative developments affecting financial markets. • Examine institutional investor participation in single-family housing markets across the Southeast and related affordability discussions. • Analyze policy proposals that would limit large investors from purchasing single-family homes and the uncertainties surrounding their potential effects. • Explain the proposed design of Trump accounts, a child-focused savings framework often compared to features of IRAs and 529 plans. • Discuss how geopolitical developments involving Venezuela are commonly reflected in energy markets and global pricing narratives. • Describe characteristics frequently associated with later-stage bull markets using historical market cycle examples. • Compare current market conditions with long-term averages for bull-market length and performance for context. • Evaluate recent shifts in market leadership from a narrow concentration of stocks toward broader participation. • Assess how artificial intelligence is moving from conceptual narratives to practical corporate implementation across sectors. • Review discussions surrounding tax refunds, recent tax code changes, and their relationship to economic activity. • Outline recent Federal Reserve interest-rate decisions and how monetary policy is typically evaluated in portfolio discussions. • Summarize historical volatility patterns during midterm election years within the presidential election cycle. Listen to the Money Matters Podcast with Wes Moss and Connor Miller for educational discussions on markets, investing, and financial planning topics shaping today's headlines. Subscribe to stay informed as economic narratives evolve throughout 2026 and beyond.

On this episode: Will 2026 be a better or worse year to retire than last year? There are trillions of dollars in money market funds waiting to be deployed into the market. Will it save us from a downturn? Can you do a Roth conversion without paying taxes? One advisor says he has the secret. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

The New Year’s resolution Financial Boot Camp continues with an advanced look at 2026 tax planning and how recent tax law changes may affect retirement and income decisions. In this episode of Protect Your Assets, David Hollander walks through updated tax rules and planning considerations involving IRAs, 401(k)s, Roth strategies, and required minimum distributions (RMDs). The discussion highlights scenarios where RMD timing, rollover decisions, and Roth conversions may warrant closer review, particularly for individuals approaching or already in retirement. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Read more about Trump Accounts Here: https://matsorensen.com/trump-retirement-accounts-explained/If you have kids under age 18, this episode could change how you think about their financial future.In this episode of the Directed IRA Podcast, Mat Sorensen and Mark J. Kohler dive deep into Trump accounts, a brand-new savings vehicle launching in 2026. Mat explains why he believes Trump accounts can be a powerful long-term wealth-building tool for kids, while Mark pushes back, arguing parents may be overlooking better options already available.Together, they break down how Trump accounts work, who they are best suited for, and how they compare to Coverdell ESAs, kids Roth IRAs, and 529 plans. The conversation covers college planning, trade schools, retirement savings, Roth conversions, and how families can stack multiple strategies based on income and goals.They also explain the biggest game changer of all: how Trump accounts convert into traditional IRAs at age 18 and can later be converted into Roth IRAs, potentially creating millions in tax-free retirement wealth for the next generation.Whether you are a parent, grandparent, or business owner looking to give kids a financial head start, this episode lays out practical strategies, pros and cons, and real-world planning considerations to help you decide what makes sense for your family.Chapters:0:08 – Welcome And Topic Reveal0:48 – Politics Aside: Use The Law3:52 – What A Trump Account Is6:20 – Control Limits And Fee Cautions6:24 – College Needs vs Long-Term Wealth9:10 – How Early Withdrawals Actually Work12:02 – Parent Playbook: Stack The Accounts18:56 – Pay Your Kids Through Business21:07 – Rentals As A Small Business22:06 – The Roth Conversion Strategy24:20 – 529 To Roth: Sister Strategy26:18 – Pro Rata Rules And Math28:20 – The 8.8 Million Illustration29:55 – Mindset, Access To Education, ClosingDirected IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

If there's a word that defines our age, it's more. More upgrades. More comforts. More square footage. Yet somehow—with so much more—many of us feel less content than ever. That's because contentment doesn't come from what's next. It's shaped in the heart, right where we are.Scripture teaches that contentment isn't accidental. It's learned.We all feel the pull toward “just a little more”—the next promotion, purchase, milestone, or change that will finally make life feel settled. But that longing is as old as humanity. Ecclesiastes tells us that King Solomon denied himself nothing his eyes desired, yet concluded it was all meaningless, “a chasing after the wind.” Even the wealthiest man in the ancient world discovered that satisfaction cannot be bought or accumulated. It slips through our fingers as soon as we reach for it.Paul understood this, too. In Philippians 4:11, he writes, “I have learned in whatever situation I am to be content.” Notice the word learned. Contentment isn't natural. It doesn't come from ideal circumstances—it's cultivated through walking with Christ. And Paul goes further: “I can do all things through Christ who strengthens me” (Phil. 4:13). That verse isn't about conquering goals or peak performance. It's about persevering with trust. Paul wrote those words from prison, not from success. He was saying: Christ gives me strength to rest, trust, and be content whether I have plenty or very little.Contentment is ultimately the fruit of a relationship with Jesus. It's not found in having everything, but in knowing the One who is everything.Psalm 23 opens with a radical declaration: “The Lord is my shepherd; I have all that I need.” Contentment begins with identity—we are His sheep, under His care, sustained within His provision. Hebrews 13:5 adds, “Be content with what you have, for He has said, ‘I will never leave you nor forsake you.'” The root of contentment is God's presence, not possessions. If He is with us, we are never without what we truly need.But Scripture also points to a practical engine that drives contentment: gratitude. Wherever gratitude grows, contentment thrives. Gratitude redirects the heart from craving what's next to recognizing what God has already given. When we leave everything in God's hands, we begin seeing God's hand in everything.Learning contentment can be as simple as cultivating gratitude—writing down three blessings each morning, pausing to thank God before buying something new, naming provisions out loud to our spouse or kids, or turning off the endless scroll that fuels comparison. Contentment isn't a destination. It's a daily path surrendered to Jesus.In a world whispering “more,” Jesus invites us to rest and say, I have enough because He is enough. That's true contentment—and it's available to every believer who trusts the Shepherd who never leaves and never forsakes.———————————————————————————————————————This subject is foundational to Our Ultimate Treasure, our new 21-day devotional designed to guide believers toward faithful stewardship and deeper contentment in Christ. It will be released next month, but in a few weeks, FaithFi Partners will receive digital access within the FaithFi app. Partners support the ministry at $35/month or $400/year and receive resources like our Faithful Steward magazine, premium app access, and future studies and devotionals. Learn more at FaithFi.com/Partner.On Today's Program, Rob Answers Listener Questions:My wife and I are 62 and plan to retire at 65. Our home and cars are paid off, and we have about $100,000 in liquid cash and over $1 million in IRAs—roughly $300,000 in Roth IRAs and the rest in traditional accounts. Everything is invested in moderate-risk mutual funds, and we're about 92% in equities with no bond exposure. With markets at record highs and volatility at elevated levels, how concerned should we be about a correction? Should we diversify into bonds or just move to a more conservative allocation given our age?I bought my home six months ago, and the bank offered free fees if I refinanced within the first two years. Now that rates are starting to drop, how much does the rate need to fall before it actually makes sense for me to refinance?I have about $50,000 in debt and want to start saving, but I haven't managed my money well and have been living beyond my means. Now I really want to honor God with what I have. Should I put everything toward paying off the debt using the snowball method, or should I try to save for the future at the same time?I recently filed an insurance claim for a new roof, and my homeowners' insurance premium will increase by $163 per month. I wasn't notified until the bill arrived, and I don't have the extra funds right now. Do I have any recourse, or what should I do other than look for another insurance company?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsA Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More by William P. BengenBulls and Bears, Cyclical and Secular (Article by Sound Mind Investing)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everyone is talking about how broken the current financial system is—but few talk about why. In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks Esq., expose the flawed economic model fueling massive U.S. debt and inflation, and reveal how understanding this system allows you to position your personal finances for stability, growth, and opportunity in any market cycle. Learn why cash flow, yield, and liquidity consistently outperform average rates of return over time, and how relying solely on traditional investments leaves families vulnerable to volatility. We break down why traditional financial planning often fails to deliver real cash flow, control, and long-term wealth—and what you can do instead. Vance and Seth discuss: Introduction: Why most financial plans fail long term The truth about traditional financial planning (and who it really benefits) Yield vs. rate of return: the real driver of long-term wealth building The hidden failures that derail most retirement and investment plans 401(k)s & IRAs vs. Private Banking strategies: reclaiming control of your money The broken U.S. economic model, national debt, and how it erodes your wealth Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/  Connect with Seth Hicks and Vance Lowe: Seth's LinkedIn: https://www.linkedin.com/in/privatebankingstrategies/  Vance's LinkedIn: https://www.linkedin.com/in/vancedlowe-rfc-chfc-351479100/

We've all heard the saying: "The rich get richer and the poor get poorer." But why do the rich get richer? Is it just the mindset that "it takes money to make money" or do they know something else that we don't? Lots of financial planners talk about mutual funds, annuities, IRAs and 401(k)s, but do the rich do the same or is there more? To answer that question, I talked with Ben Mohr about how everyone can invest like the ultra-wealthy. In this episode you will learn: What wealthy people do when the market is down Alternative strategies that are actually safer than traditional investments About life settlements as a tool of the ultra-wealthy About safe investments for those nearing retirement

UNDERSTANDING THE NEW TRUMP ACCOUNTS FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode New “Trump Accounts” have generated a lot of attention and confusion. This episode breaks down what these accounts are, who qualifies, how they work, and why a wait-and-see approach may be appropriate before making long-term planning decisions. Full Description Newly proposed “Trump Accounts” have sparked widespread interest, but many details remain unclear. While headlines have described them as powerful new savings tools for children, the reality is more nuanced and still evolving. In this episode of Healthy, Wealthy & Wise, the discussion walks through what is currently known about Trump Accounts and how they may function once fully implemented. Listeners will learn who qualifies, when accounts can be opened, and how contributions are expected to work under the proposed rules. The episode explains that these accounts are designed to allow savings for children under age 18 without the earned income requirement typically needed for IRAs. Contributions are limited annually, grow tax deferred, and generally cannot be accessed until the child turns 18. At that point, the account begins to function more like a traditional IRA, with taxes and penalties applying under standard rules. The conversation also highlights important limitations and unanswered questions. Custodians have not yet been announced, investment choices appear restricted, and final regulations are still pending. While the government has proposed a one-time starter contribution for certain birth years, families must still decide whether additional contributions align with their goals. Listeners will hear why these accounts may not be the best option for every family. Depending on the intended use of the money, alternatives such as 529 plans, custodial accounts, or Roth IRAs for working minors may offer more flexibility or tax advantages. Rather than rushing to act, this episode emphasizes thoughtful planning. Understanding the purpose of the savings and how funds may be used in the future is critical before committing long-term dollars to a new and evolving account structure. To learn more about how new savings options fit into a broader financial plan, visit BWFA's Financial Planning Services.

Want to invest in real estate without swinging a hammer or begging a bank? Matt and Lou sit down with Alex Martyn of SPG Capital to talk about how smart investors are bypassing Wall Street and making their money work in real estate through private lending. This episode is about the real engine behind flips and rentals: capital. Alex breaks down how his fund operates, why he pays investors monthly, and what makes a good borrower (hint: it's not newbies watching HGTV).

What if your biggest edge isn't what you buy, but where you hold it? In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Henry Yoshida, CFP®, Rocket Dollar CEO & Co-Founder,  who shares how his earlier robo-advisor exit to Goldman Sachs and years as an advisor led to a digital platform for self-directed IRAs holding private and alternative assets. Starting his career at Merrill Lynch during the dot-com bust, he built deep retirement expertise and now oversees a trust company with roughly $12B in alternatives and 9,000+ registered investments. Yoshida explains why asset location can outperform asset selection and why retail access to private markets is set to grow.   Key Takeaways: → How Rocket Dollar provides infrastructure while investors source their own deals. → How Rocket Dollar doesn't manufacture or recommend investments. → Why asset location is crucial. → Why innovation is critical as incumbents eye alternatives.   Henry Yoshida, CFP®, is the CEO and Co-Founder of Rocket Dollar. He was previously the founder of venture capital-backed Robo-advisor retirement plan platform Honest Dollar (acquired by Goldman Sachs in 2016), the founder of MY Group LLC (acquired by Captrust), and spent 10 years at Merrill Lynch. Henry is also a Certified Financial Planner and has brought multiple innovative products and methodologies to the market. Yoshida graduated from the University of Texas at Austin and holds an MBA from Cornell University. He lives in Austin with his two daughters.   Connect With Henry:   Website: https://www.rocketdollar.com/ https://bit.ly/4nKw0WT Instagram: https://www.instagram.com/fitfinancehenry/ LinkedIn: https://www.linkedin.com/in/henryyoshida/   Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode revolves around President Donald Trump's claim that, due to the massive tsunami of tariff revenue that's flowing into the U.S. coffers, Americans won't have to pay income tax in 2026. David McKnight looks at the 2025 fiscal year: the Federal Government spent about $7 trillion and brought in about $5 and a quarter trillion in revenue. While breaking down the math related to the 2025 fiscal year, David points out that "Revenue from income taxes is the single largest source of Federal revenue", while "Tariffs, by contrast, are one of the smallest." Even Trump's own economic team, including Treasury Secretary Scott Bessent, has said that in an extremely optimistic scenario, tariff revenue might someday reach $500 billion a year – which is only about ⅕ of what gets collected in income taxes. By looking at the numbers, it's clear that the proposed tariff-funded $2,000 check for each of the 340 million Americans wouldn't work: it would cost roughly $680 billion against a tariff revenue that only amounts to $195 billion… David clarifies a key point about tariffs. They're not paid by foreign governments, they're paid by U.S. importers. In other words, tariffs are simply a tax on consumers. There's an additional problem that shouldn't be overlooked. Not only do tariffs not generate enough revenue, but they can also lead to retaliation by other countries imposing their own tariffs on American exports. This means that an American effort to try to raise trillions of dollars through tariffs could end up costing heavily on its own people.  David is crystal clear: While these types of claims make for great sound bites, the federal budget still has to obey the mathematical laws of the universe, and the math makes it clear: There's no world in which tariffs could ever eliminate the need for an income tax. By the look of things, the U.S. is marching into a future where the federal government will soon need huge infusions of cash just to pay the interest on its exploding national debt. To forestall this, the U.S. government will have to double federal income taxes in or around 2035.  That's why, David says, having a dialed-in strategy to get your retirement savings shifted from 401(k)s and IRAs to Roths is more important than ever.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight 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 President Donald Trump Treasury Secretary Scott Bessent  Wharton School of the University of Pennsylvania 

Federal Medicaid cuts have dominated the news cycle, but there's a California-specific change that's barely getting attention—and it could blindside thousands of current Medi-Cal recipients. Starting again in 2026, the state is reinstating asset limits for Medi-Cal long-term care coverage, a requirement that was eliminated just two years ago. In this episode, estate planning attorney Kirsten Howe unpacks what this means if you or someone you love relies on elderly or disabled Medi-Cal benefits. She explains the $130,000 asset threshold, which assets remain exempt, and why your 2026 annual eligibility report could jeopardize your coverage.  Time-stamped Show Notes: 0:00 Introduction 0:02 What's getting lost in the headlines: California's quiet asset limit reversal versus the federal Medicaid funding cuts everyone's talking about 1:56 Understanding MAGI Medi-Cal: the income-based coverage created under the Affordable Care Act for lower-income Californians 2:17 Why long-term care Medi-Cal is different—and why the returning asset test only affects elderly and disabled recipients 3:16 Back to strategic planning: what the 2026 deadline means for anyone hoping to qualify for Medi-Cal in the future 3:35 Kirsten walks through the exempt asset list—your home, vehicle, prepaid funeral arrangements, burial plot, small life insurance policies, and retirement accounts like IRAs and 401(k)s 4:55 The annual report risk no one is discussing—how your 2026 eligibility filing could trigger a coverage loss 5:36 You qualified then, but will you now? Why meeting past requirements won't protect current Medi-Cal recipients under the new rules Take the Next Step in Your Estate Planning Journey If this episode resonated with you, we'd love to help you with your own estate planning needs in California. Schedule a complimentary discovery call with our team at Absolute Trust Counsel. During this no-obligation conversation, we'll: Learn about your unique situation and goals Answer questions about our services Determine if we're the right fit to work together Visit https://absolutetrustcounsel.com/scheduling/ or call 925-943-2740 to schedule your free discovery call today. Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a couple second and it helps spread the word about the podcast. Episode Credits: The Absolute Trust Talk podcast is brought to you with the help of Q2Mark, led by Chief Marketing Officer Susie Hays. Since 2016, Q2Mark has partnered with Absolute Trust Counsel on all marketing communications—from brand development and website design to this podcast series with over 192 episodes, social media management, video production, and more. If you're business owner looking for comprehensive marketing support, visit Q2Mark.com.

In this episode, we will address how accumulating significant savings into Traditional 401ks and IRAs can lead to a massive tax burden in retirement.  Additionally, we will be addressing the provision in the SECURE Act, which will change the way we view leaving these retirement plans to the next generation.⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

On this episode of Simply Money presented by Allworth Financial, Bob and Brian reveal why January is the most strategic money month of the year. From harvesting capital gains and revisiting direct indexing strategies to maximizing donor-advised funds and managing idle cash, they break down the smartest financial moves you can make right now. Plus, they discuss why a bigger tax refund isn't necessarily a good thing, how poor timing can erode your investment returns, and how to prepare emotionally and financially for long-term care decisions. Later, they answer listener questions about tax alpha, inherited IRAs, and consolidating retirement accounts.See omnystudio.com/listener for privacy information.

With over $13 trillion held in IRAs today, they are far and away the most popular retirement savings vehicle, but with their ever changing and complex set of rules, costly IRA mistakes remain exceedingly common. Donna discusses some of the top IRA mistakes made by retirement savers, and how to avoid them. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/29/2025; Original Air Date: 10/16/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Jim and Chris discuss listener emails on Social Security claiming strategies, deemed military wages, and survivor benefits timing, a PSA from Jim and Chris on their New Year's resolution, and QLAC use for inherited IRAs. (11:00) A listener asks whether a spouse who will be collecting spousal benefits should ever delay claiming past full retirement age and also asks for retirement drawdown calculator recommendations. (24:30) George asks how veterans can verify that deemed military wages were credited correctly to their Social Security earnings record. (36:00) The guys address whether a surviving spouse can keep both Social Security checks after a spouse dies after being given conflicting answers from the Social Security Administration. (45:00) Jim and Chris share a PSA on their New Year's resolution relating to estate planning. (1:02:45) A listener asks whether an inherited IRA can be used to purchase a QLAC with payments starting at age 84. The post Social Security, Deemed Military Wages, Estate Planning, QLACs: Q&A #2601 appeared first on The Retirement and IRA Show.

The start of a new year is one of the best times to reset and realign your retirement strategy. New contribution limits, new rules, and new deadlines in 2026 can all impact how much you're able to save and how effectively you plan.In this webinar, Directed IRA COO Aaron Halderman and VP of Sales Nate Hare will host a practical 101-style session focused on retirement account planning for 2026, including an open Q&A to address common questions as the new year begins.We cover:- 2026 retirement account contribution limits and what changed- Key tax deadlines to know in 2026 for IRAs and retirement plans- Core planning strategies for IRAs, Roth IRAs, HSAs, and Solo 401(k)s- Common mistakes to avoid as you start the new year- Open Q&A to help you set clear retirement account goals for 2026This session is designed to help you start the year with clarity, avoid early missteps, and build a smarter retirement plan going forward.Directed IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

What actually shapes life in retirement—your finances, your relationships, or both? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase walk through new research on happiness in retirement and unpack several financial and economic topics that often come up in retirement planning conversations. • Share findings from a 2025 Money and Happiness in America study that looks at how social connection is commonly linked to reported retirement satisfaction. • Talk through research showing how the number of close personal relationships is often discussed when measuring happiness among retirees. • Reflect on how American friendships have changed over time and why staying socially connected is frequently part of retirement lifestyle discussions. • Put into context recent government jobs reports by explaining what unemployment and labor-market numbers generally indicate. • Walk through estate-planning considerations around life insurance, guardians, and trustees that many families review over time. • Cover the core factors people often look at when evaluating bond funds, including yield, duration, expenses, and benchmarks. • Discuss how Roth IRAs, traditional IRAs, brokerage accounts, and HELOCs are commonly weighed when addressing short-term cash needs during real-estate transitions. • Answer listener questions about Roth IRA contributions, in-plan conversions, account-funding priorities, and retirement-plan considerations when changing jobs. The episode keeps the focus on education, context, and real-world questions retirees and pre-retirees are already asking. Listen and subscribe to the Retire Sooner Podcast for ongoing conversations that connect money, lifestyle, and long-term planning—without the hype. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to 2026! In this episode, we discuss key market takeaways from 2025, including why valuations matter, how concentration within the S&P 500 has grown, and why diversification remains essential for long-term planning.We also cover planning items for 2026, including general housekeeping items like updated IRS contribution limits for employer retirement plans, IRAs, and Health Savings Accounts, along with important changes impacting catch-up contributions.As we look ahead to 2026, some of the major items to consider are the provisions taking effect under the One Big Beautiful Bill Act, including changes to income tax brackets, itemized deductions, charitable giving rules, estate planning exemptions, and the growing importance of proactive tax planning.As financial complexity continues to increase, the importance of staying informed, managing risk, and maintaining a coordinated strategy is key to long-term success.This conversation will help you prepare and plan for financial success into 2026 and beyond. Thanks for listening!For more details, we recommend that you check out our blog post covering the same topic at https://pw-wm.com/learn/financial-planning/your-finances-in-2026-what-you-need-to-know/

Good morning, afternoon, and evening, real estate investors! As the year wraps up (or kicks off!), many of us are either panicking about last-minute "shit to get done" or making grand New Year's resolutions for financial prowess. Let's be real: when it comes to the nuts and bolts of your operations, accounting isn't always "sexy." But today, we're making it downright irresistible! We're talking with the absolute financial rockstar, Vonmarie Thomas, an investor, entrepreneur, and fractional CFO who helps entrepreneurs like us achieve financial clarity and peace of mind. If your books look like a crime scene, or you're just looking to seriously step up your game for 2026, Vonmarie's got the magic wand (and the strategy) you need!Here's what you'll uncover to get your investor finances in fighting shape:Wrangle Your W9s & Master Your Contractors: Forget the mob-boss vibes! Learn why getting W9s, signed contracts, and using protected payment methods (like credit cards) for every contractor isn't just good practice – it's crucial for IRS defense and avoiding sketchy surprises.Structure for Success (and Sanity): Discover why proper entity structuring (LLCs, operating agreements, separate bank accounts) isn't just about asset protection; it's about avoiding commingled funds, ensuring business continuity, and making sure your spouse isn't left wondering "what the hell is this?"Pay Yourself First (Seriously!): Uncover why many ambitious entrepreneurs neglect to pay themselves, jeopardizing their financial well-being and business health. Vonmarie emphasizes that if you're the management company, you need to account for (and pay for!) your own vital role.Beyond the Basics: Leveraging Tax-Smart Strategies: Explore often-missed opportunities like self-directed IRAs for investing, Keyman insurance for partnerships, and even the "Augusta discount" for clever tax write-offs – turning expenses into advantages.Build Your Financial Dream Team (No DIY Disasters!): Stop trying to wear all the hats! Understand why bringing in a team of financial professionals like Vonmarie isn't a luxury, but a necessity for growth, avoiding costly mistakes, and ensuring your financial house isn't a "house of cards."If you've been sticking your head in the sand about your finances, this episode is your wake-up call (without the cold water!). Vonmarie proves that financial clarity isn't just for the big guys; it's essential for every entrepreneur looking to build a sustainable, profitable business. Because let's face it, all work and no play makes for a very dull investor! Don't let another year go by with messy books and missed opportunities. Give yourself the gift of clarity: book a 90-minute Money Clarity Session with Vonmarie Thomas for just $297. It's the smartest investment you can make for your business (and your peace of mind!) in the New Year.Connect with Von Marie Thomas:Book a Money Clarity Session HERE!LinkedIn: https://www.linkedin.com/in/vonmariethomas/Go out, take some action, get your finances in order, and we'll see you at the top!#RealEstateInvesting #FinancialClarity #Bookkeeping #Accounting #LLC #W9 #IRS #CashFlow #SelfDirectedIRA #BusinessGrowth #Entrepreneur #TaxStrategies #FinancialPlanningWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

As the year crawls to a close, Don and Tom torch the ritual of “New Year, New You” financial advice and take aim at the endless lists of five things you must do next year. They break down why year-end deadlines are mostly psychological theater, why prediction-based investing is a sucker's game, and how even AI—when pressed—admits the truth: diversification beats cleverness, patience beats prediction, and complexity usually hides higher costs and worse outcomes. Along the way, they tackle 529 plans, proposed “Trump accounts,” Roth strategies for kids and retirees, factor investing myths, and the ongoing media obsession with whatever already went up last year. It's a holiday episode for skeptics, cynics, and anyone tired of being told that this is finally the year everything changes. 0:04 Holiday cynicism, snow, trees plotting revenge, and Don declares war on Pollyanna finance 1:19 Year-end obsession: why December 31 is an arbitrary psychological trap 2:29 Why “five things to do in the new year” articles exist—and why they're mostly nonsense 3:55 Asking AI for financial advice and accidentally getting decent answers 4:18 Don's AI delivers brutal honesty: complexity isn't sophistication, it's camouflage 5:54 The most dangerous question of all: “What should I invest in next year?” 6:06 Everyone's favorite prediction: AI stocks (again), and why that's backward logic 6:29 The real answer: globally diversified equities, patiently held and largely ignored 8:07 Motley Fool, Morningstar, defense stocks, and the annual prediction circus 9:29 AI's final verdict: everything after diversification is garnish people argue about on TV 10:33 Listener Brian on New York 529 plans, state tax deductions, and Roth rollover flexibility 11:30 How aggressive is too aggressive for a child's college savings? 12:45 Why age-based 529 portfolios are often far more conservative than parents realize 14:10 When college money should actually shift to safety—and when it shouldn't 15:43 The mysterious “Trump accounts”: proposed rules, confusion, and missing details 16:56 Tax treatment uncertainty, Roth myths, and why free money is still free money 18:39 Clear conclusion: this account doesn't exist yet and nobody knows the real rules 20:05 Don's full rant: pandering policies, financial clutter, and unnecessary complexity 22:07 Listener Larry on starting a Roth IRA for a 19-year-old with a one-fund solution 22:47 AVGE explained: global, factor-tilted, low-cost, and boring in the best way 24:15 AVGE vs. Vanguard Total World: interest vs. necessity 25:26 AVGE underperformance criticism and why one-year returns are meaningless 28:26 Why Avantis funds aren't trying to “pick winners” and never claimed to 31:32 Listener Caroline on retirement withdrawals, IRAs, Roths, and tax reality 33:11 The unavoidable truth: you'll pay taxes—now or later 35:43 How (and where) listeners can actually rate the show 38:01 Politics, labels, John Oliver, and why nuance is apparently illegal now 38:54 Capitalism, fairness, and refusing ideological purity tests Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris Lopez is joined by Equity Trust's John Bowens to close out 2025 and prep smart moves for 2026 using self-directed retirement accounts. John walks through contribution and conversion timelines for IRAs, Roth IRAs, HSAs, and Solo 401(k)s, explains the seven-day payroll rule for S- and C-corps, and shares practical strategies like spousal IRAs, backdoor Roths, staged Roth conversions over two tax years, and maximizing early-year compounding. The conversation also covers 2026 limit increases, Solo 401(k) employer vs employee buckets, and the Secure Act 2.0 tax credit for new plans. Key Takeaways Roth conversions must post by Dec 31 for the current tax year Previous-year IRA and HSA contributions allowed until Apr 15 if not on extension Solo 401(k) employee deferrals for S- and C-corps must be deposited within seven days of payroll Sole proprietors can set up and fund a Solo 401(k) for the prior year by Apr 15 Use spousal IRAs and backdoor Roths to maximize annual limits Stage conversions across two years to manage tax brackets while starting compounding sooner Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Learn how to explore your money beliefs and take real steps toward saving and investing, even on a tight income. What's really behind your money habits? How can you build savings and invest if you're not earning much? Hosts Sean Pyles and Elizabeth Ayoola discuss how your relationship with money shapes your financial behaviors and what you can do to change that narrative. Joined by Shannah Game, host of Everyone's Talkin' Money and author of Unraveling Your Relationship with Money, they begin with a discussion of how money beliefs form in childhood, how your body gives clues about financial stress, and how weekly “money dates” can help shift your mindset, spending, and long-term financial outcomes. Then, Katie, a listener navigating a career change and major life transition, joins Sean and Elizabeth to discuss budgeting on a lower income and how to make progress on both emergency savings and retirement. They discuss how to build an emergency fund with irregular income, when and how to roll over 403(b) accounts into an IRA, and how to invest small amounts without feeling discouraged. The conversation also covers tools like the 50/30/20 budget and NerdWallet's retirement calculator to help Katie — and listeners like her — build a path forward, even if they feel like they're starting late. Are you on track to save enough for retirement? 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  NerdWallet's roundup of the best IRA accounts: https://www.nerdwallet.com/best/investing/ira-accounts  In their conversation, the Nerds discuss: how to fix your relationship with money, money beliefs, financial trauma, budgeting on low income, how to start saving money, emotional spending, how to invest with little money, financial self-awareness, weekly money date, how much to save for emergencies, what is a 403b, 403b rollover to IRA, Roth IRA vs traditional IRA, how to track spending, how to set money goals, compound interest explained, how to save for retirement in your 30s, moving in with a partner finances, financial independence, personal finance for late starters, how to handle a career pivot financially, how to build an emergency fund, aligning spending with goals, how to start investing in your 30s, best IRAs for beginners, saving vs investing priorities, high-yield savings account, budgeting tools for beginners, financial planning on hourly wages, financial literacy basics, how to track expenses, how to make money habits stick, celebrating financial wins, how childhood affects money habits, somatic responses to money, financial therapy, how to stop money anxiety, 50/30/20 budget rule, NerdWallet retirement calculator. 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

On this edition of Ask KT & Suze Anything, Suze answers your questions about spouses who won’t communicate about money, title theft, inherited IRAs and so much more! Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbHCLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

In this Ask Me Anything episode, Ryan Michler and Kipp Sorensen tackle the number one issue facing men today: money. From scarcity mindset and debt to retirement planning, investing, and raising financially responsible kids, the conversation blends practical financial wisdom with deeper insights on discipline, self-belief, and values.  Ryan breaks down Dave Ramsey's baby steps, explains Roth vs. traditional IRAs, challenges popular budgeting rules, and shares how to instill abundance thinking in your family. A must-listen for men looking to build wealth without losing perspective. SHOW HIGHLIGHTS 00:00 Financial stress and the current economy 03:46 Physical baseline and discipline 08:59 Scarcity vs. abundance mindset 19:23 Dave Ramsey's seven baby steps 26:01 Roth IRA vs. traditional IRA 34:45 The 50-30-20 budgeting rule 37:29 Building wealth in an underpaid career 45:08 Teaching kids financial discipline 56:18 Iron Council and end-of-year call to action Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready