Podcast appearances and mentions of mike piper

Mike Piper is a CPA, author, and adviser. He has written several concise books dealing with various financial topics, including taxes, Social Security, estate planning, and other financial planning. His latest book, After the Death of a Spouse, Next Financial Steps for Surviving Spouses, is the topic of this podcast.    Mike also created the Oblivious Investor blog and the Open Social Security calculator, which offers free advice and information. He has been quoted in all major financial publications, from The Wall Street Journal to AARP to Morningstar.    Rick Ferri, CFA, a long-time Boglehead and investment adviser, hosts the Bogleheads on Investing podcast. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads have held national conferences in major cities nationwide. Many local Chapters in the US and even a few foreign chapters meet regularly, and New Chapters are added regularly. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.     This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.  

Show Notes:Tweet from David Zarling on 2/3/25 https://x.com/AdaptivCharts/status/1886509803528446131/photo/1 Tweet from Evan SS6 on 1.30.25 - https://x.com/Evan_ss6/status/1884999500130893916 Post on X from Aurelius on 1.15.25 - https://x.com/aureliusltd28/status/1879524511957352781?Blog post from Mike Piper on 2.10.25 discussing Roth vs Tax-Deferred contributions

Can you ever have too much money? More than you will ever need? What do you do then? We talk with Mike Piper in this rewind episode about his new book More Than Enough. We discuss prudent financial moves when you have enough to take care of your own immediate needs. We also delve into giving in the most financially impactful way. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we are talking with our friend Mike Piper. Mike is an author and blogger and one of the smartest guys in the personal finance space. The discussion today ranges widely and includes topics like what is going to happen with social security, what you should do after you have accumulated more money than you need, how to identify the right spending strategy for you in retirement and how, when and why to talk to your children about inheritance. In today's healthcare system, clinicians are overworked, underpaid, and burdened with administrative tasks. Add this to taking care of their patients and it's not surprising that clinician burnout and shortages are at an all-time high. Over the last year, we have helped 9,000+ clinicians save hours a day with our AI scribe that listens, transcribes, and writes medical documentation for clinicians. Freed can be used across all specialties, in or out of the office and can record up to 2 hours of notes! Learn more about the AI scribe that clinicians love most today! Use code: WCI50 to get $50 off your first month of Freed! https://www.whitecoatinvestor.com/freed To nominate The White Coat Investor for The 2024 People's Choice Podcast Awards, please visit: https://www.WhiteCoatInvestor.com/Vote  The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode: full retirement age, earnings, spousal benefits, survivor benefits, filing for benefits, and the earnings test. This week, Mike Piper joins the show to talk all things social security and answer listener questions that arose from our last social security related conversation back in episode 474! Whether it is discussing the full retirement age, discussing when to file for benefits, and different situations and their correlating differing types of benefits, Brad and Mike cover your burning questions so when the time comes you can catapult yourself into retirement confident and comfortably. While the topic of social security can often be confusing, being informed and prepared based on you and your families situation can make approaching it a lot less formidable, so listen along now to be ready down the line when it is your time to file! Mike Piper: Website: opensocialsecurity.com Book: "Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less" by Mike Piper Resources Mentioned In Today's Episode: Social Security Deep Dive | Denis Shapiro | ChooseFI Ep 474 SSA.tools Social Security Calculator Why Are ETFs (Sometimes) More Tax-Efficient Than Mutual Funds? Subscribe to The FI Weekly! More Helpful Links and FI Resources: Top 10 Recommended Travel Rewards Credit Cards Empower: Free Dashboard to Track Your Finances CIT Bank Platinum Savings Account M1 Finance: Commission-Free Investing, 1-click rebalancing CashFreely: Maximize Your Cash Back Rewards Travel Freely: Track all your rewards cards and points Emergency Binder: For Your Family's Essential Info (code ‘CHOOSEFI' for 20% off) Student Loan Planner: Custom Consult (with $100 Discount) Get a cheaper phone plan with Mint Mobile

Prepare now, make things easier later. Clarification at 5’04”-5’10”: The Surviving Spouse/Single Person might consider naming a charity as a beneficiary of their HSA. Show Notes: After the death of your spouse, by Mike Piper. Managing a Windfall, from the Bogleheads Wikipedia. Widow, by Lynn Caine The Blue Binder, Rob Berger Nerd's Eye View post Michael Kitces Episode: #7 Podcast Date: 2/13/2024

Today Bill and Becky sit down with Mike Piper, author of the book, "Social Security Made Simple," to navigate through the many nuances of Social Security. They discuss everything from claiming strategies to survivor benefits as well as taxation and the implications of delaying benefits. Mike sheds light on the often overlooked aspect of spousal benefits, emphasizing that delaying your benefits can help boost the household income for as long as either spouse is alive. The team also explores the complications that can arise from differing ages and earning histories of spouses. Mike has numerous helpful resources available at his blog, Oblivious Investor, that simplify how Social Security works and how individuals can make informed decisions about when to file for benefits. Whether you're single, married, or thinking about retirement planning, this episode offers important insights to help you understand and maximize your Social Security benefits. Connect with us Buy us a coffee Resources mentioned on the show:   opensocialsecurity.com   Oblivious Investor   Social Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or Less by Mike Piper   ssa.gov/myaccount   Full Retirement Age   Primary Insurance Amount   4% Rule   SSA Windfall Elimination Provision   Social Security Bridge Payment   W-4V Form   Garrett Planning Network   Advice-Only Network   mike@obliviousinvestor.com     Disclaimer: We are not lawyers, financial advisors, accountants or tax experts. Please consult your own professional advisors before making any important decisions. Our content is for entertainment and education purposes only.

What does it mean to be a long-term investor? In this special mash up episode, all the show's guests from the past year weigh in.   Listen now to hear from Ben Carlson, Taylor Schulte, Burton Malkiel, Phil Huber, Rubin Miller, Dasarte Yarnway, Robin Powell, Brian King, Jeremy Schwartz, Rick Ferri, Mike Piper, Carl Richards, Ashby Daniels, Polina Pompliano, Mathieu Pellerin, John Jennings, Cait Howerton, Tyler Olson, Jesse Cramer, Meir Statman, Susan Jones, Hal Hershfield, William Bernstein, and Peter Lazaroff.   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Steven Chen is the founder of NewRetirement, a do-it-yourself tool for retirement planning. Prior to founding NewRetirement, Stephen founded venture-backed companies in education and financial services, and worked with organizations including Charles Schwab, Dimensional Fund Advisors, and Fidelity.  This episode of the podcast is hosted by Jon Luskin, CFP®, a long-time Boglehead and financial planner. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.  Since 2000, the Bogleheads' have held national conferences in major cities around the country. There are also many Local Chapters in the US and even a few Foreign Chapters that meet regularly. New Chapters are being added on a regular basis. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated. Show Notes 2023 Conference - The John C. Bogle Center for Financial Literacy Bogleheads® Live 41: Derek Tharp on Retirement Planning – 4% Rule vs. Monte Carlo Bogleheads on Investing with John Bogle – Episode 1 Bogleheads on Investing with William F. Sharpe: Episode 59 Bogleheads® investment philosophy Bogleheads® Live with Christine Benz: Episode 37 Bogleheads® Live with Christine Benz: Episode 5 Bogleheads on Investing with Cody Garrett: Episode 61 Bogleheads on Investing 58: Mike Piper on “More than Enough” Bogleheads® Live: Cameron Huddleston: talking to your parents about their finances Bogleheads® Live with Mike Piper: Episode 36 Bogleheads® Live with Steve Ryder: Episode 43 Bogleheads® 2022 Conference – Mike Piper- Social Security, Tax Planning Before and During Retirement Bogleheads® Live with Cameron Huddleston: Episode 34 Bogleheads on Investing with Mike Piper: Episode 58 Bogleheads® Forum Bogleheads® Wiki Bogleheads® Reddit Bogleheads® Facebook Bogleheads® LinkedIn Bogleheads® Twitter Bogleheads® on Investing podcast Bogleheads® YouTube  Bogleheads® Local Chapters Bogleheads® Virtual Online Chapters Bogleheads® on Investing Podcast Bogleheads® Conferences Bogleheads® Books The John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated.

Mike Piper is a CPA and the creator of the Oblivious Investor blog, where he teaches a philosophy of simple and low-maintenance investing.Mike's simple philosophy distills down to three primary principles:Diversify your portfolioMinimize costs (commissions, fees, mutual fund expenses, taxes)Ignore the noise.Mike began his career as a CPA before realizing he could support himself by writing books. Surprisingly, he left his secure job during the 2008 financial crisis. He has gone on to publish seventeen books and is widely considered an expert in social security, tax, and a number of other personal finance topics. His work has been featured in the Wall Street Journal, Forbes, and Morningstar, to name a few. Support this project: Buy Me a CoffeeGet the newsletter: SUBSCRIBE ME!Show Notes and Links at Clippingchains.com

Mike is the author of the popular blog “Oblivious Investor” at ObliviousInvestor.com and the creator of the free Open Social Security calculator at OpenSocialSecurity.com. He is also the author of several books on taxes, investing, and Social Security, and now a new book, More than Enough: A Brief Guide to the Questions That Arise After Realizing You Have More Than You Need.   This episode of the podcast is hosted by Jon Luskin, CFP®, a long-time Boglehead and financial planner. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads' have held national conferences in major cities around the country. There are also many Local Chapters in the US and even a few Foreign Chapters that meet regularly. New Chapters are being added on a regular basis. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.     This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated. Show Notes After the Death of Your Spouse: Next Financial Steps for Surviving Spouses George Kinder's Books on Life Planning 5 Best Retirement Planners and Apps Bogleheads® Live with Derek Tharp: Episode 41 Bogleheads® Live with Christine Benz: Episode 37 Bogleheads® Live with Mike Piper: Episode 36 Bogleheads® Live with Bill Bengen: Episode 35 Bogleheads® Live with Cameron Huddleston: Episode 34 Bogleheads® Live with Mike Piper: Episode 23 Bogleheads® Live with Mike Piper: Episode 9 2023 Conference - The John C. Bogle Center for Financial Literacy John C. Bogle Center for Financial Literacy Bogleheads® Forum Bogleheads® Wiki Bogleheads® Reddit Bogleheads® Facebook Bogleheads® LinkedIn Bogleheads® Twitter Bogleheads® on Investing podcast Bogleheads® YouTube  Bogleheads® Local Chapters Bogleheads® Virtual Online Chapters Bogleheads® on Investing Podcast Bogleheads® Conferences Bogleheads® Books The John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated.   

Can you ever have too much money? More than you will ever need? What do you do then? We talk with Mike Piper about his new book More Than Enough. We discuss prudent financial moves when you have enough to take care of your own immediate needs. We also delve into giving in the most financially impactful way. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our guest on the podcast today is Mike Piper. He is the author of several personal finance books, the latest of which is called More Than Enough: A Brief Guide to the Questions That Arise After Realizing You Have More Than You Need. Other books include, After the Death of Your Spouse; Can I Retire?; Social Security Made Simple; Taxes Made Simple; and Investing Made Simple. Mike also writes a wonderful blog called Oblivious Investor, and he has developed a free tool for exploring Social Security-claiming decisions. It's called Open Social Security. Mike is a certified public accountant.Background & BooksBioOblivious InvestorOpen Social Security“Mike Piper: Delaying Social Security Not Always a Good Deal,” The Long View podcast, Morningstar.com, April 27, 2021.More Than Enough: A Brief Guide to Questions That Arise After Realizing You Have More Than You NeedAfter the Death of Your Spouse: Next Financial Steps for Surviving SpousesCan I Retire?Social Security Made SimpleTaxes Made SimpleInvesting Made SimpleTax Strategies“How Much Can I Give Per Year Without Having to Pay Tax?” by Mike Piper, obliviousinvestor.com.“401(k) Rollover: Where, Why, and How,” by Mike Piper, obliviousinvestor.com.“Tax Planning Begins When Building Your Portfolio. Here's What to Know,” by Kate Dore, cnbc.com, June 7, 2022.“Roth Conversion Planning: A Step-by-Step Approach,” by Mike Piper, obliviousinvestor.com, July 5, 2021.Social Security“Social Security Strategies for Married Couples,” by Mike Piper, obliviousinvestor.com, Jan. 1, 2020.“The Three Biggest Social Security Misconceptions,” by Mike Piper, obliviousinvestor.com, April 11, 2022.Charitable Giving“Deduction Bunching: Tax Planning Strategy for Charitable Giving,” by Mike Piper, obliviousinvestor.com, Jan. 1, 2022.“What's the Point of a Donor-Advised Funds?” by Mike Piper, obliviousinvestor.com, Feb. 28, 2022.“Qualified Charitable Distributions (QCDs): How Do They Work, and Are They the Best Option for Charitable Giving?” by Mike Piper, obliviousinvestor.com, Nov. 22, 2021.Asset Allocation“Calculator for Backtesting a Portfolio or Asset Allocation (Also Monte Carlo Simulations),” by Mike Piper, obliviousinvestor.com, Sept. 12, 2022.“How Much Cash Should a Retirement Savings Portfolio Include?” by Mike Piper, obliviousinvestor.com, Aug. 16, 2021.“Simplifying a Retirement Bucket Portfolio,” by Mike Piper, obliviousinvestor.com, July 8, 2019.Other“Personal Representative vs. Trustee: What's the Difference?” by Mike Piper, obliviousinvestor.com, May 22, 2023.

Upcoming Event!How Can Mindfulness Help You Reach Financial Independence?Do you want to reduce money anxiety, but don't know who to trust?Would you like to learn how to set up and manage your own retirement plan?Do you want to know how we create a passive income stream you can't outlive?If yes, join us and learn how to answer the 4 critical financial independence questions:Am I on track for financial independence?What do I need to do to get on track?How do I design a mindful investing portfolio?How do I manage that portfolio and my income over time through changing markets?Learn more: https://courses.mindful.money/financial-independence-bootcampMike Piper is a CPA from St. Louis, MO, and is the author of many finance and tax-related books. He's quoted regularly as a Tax and Social Security expert in publications such as The Wall Street Journal , AARP , Forbes , and Morningstar , among others. He's also the creator of the blog, ObliviousInvestor.com, where he shows his readers that investing doesn't have to be complicated. Today, Mike joins the show to talk about his financial journey, how fear, anxiety and mental health impact our financial decisions, and the concept of having ‘more than enough.

The death of a spouse is one of the most emotionally challenging times of a person's life. In this financially driven conversation, Mike Piper explains the financial steps to take for a surviving spouse.   Listen now and learn: What married couples can do to make it easier on a surviving spouse in the future Financial planning techniques a surviving spouse can use to maximize their wealth and minimize taxes When it makes sense to disclaim an inheritance   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Investing Made Simple - By Mike Piper. Yo this is just a general breakdown of this book! Make sure to purchase and read the whole thing. What is a stock, bond, mutual, and index fund! Plus how to invest! Yo! I'm blessed! Say less! Make sure to follow me on Twitter! Yo keep meee Activated! Twitter.com @WestmontiAllday --- Support this podcast: https://podcasters.spotify.com/pod/show/nate-weah/support

Mike Piper, CPA discusses his new book, "After the Death of Your Spouse: Next Financial Steps for Surviving Spouses." Show NotesBogleheads® Live with Mike Piper: Episode 9Bogleheads® Live with Mike Piper: Episode 23After the Death of Your Spouse: Next Financial Steps for Surviving SpousesOpen Social SecurityBogleheads on Investing with Ryan Barrett and Mike Piper: Episode 52John C. Bogle Center for Financial LiteracyBogleheads® ForumBogleheads® WikiBogleheads® RedditBogleheads® FacebookBogleheads® TwitterBogleheads® on Investing podcastBogleheads® YouTube Bogleheads® Local ChaptersBogleheads® Virtual Online ChaptersBogleheads® on Investing PodcastBogleheads® ConferencesBogleheads® BooksThe John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated. 

Proper estate planning is one of the most important elements of a complete financial plan and often the most overlooked. Roughly half of my new clients either have no estate plan or an incomplete plan or an outdated plan. My two guests to discuss the issues are Ryan Barrett, a member of both the State Bar of California and Utah State Bar, and Mike Piper, CPA.   Ryan is an estate planning attorney who began his legal career in southern California ten years ago after obtaining a Juris Doctor as well as a Master of Business Administration from a concurrent program at Pepperdine Law and Pepperdine Graziadio Business School. Mike is the author of the popular blog “Oblivious Investor” at ObliviousInvestor.com and the creator of the free Open Social Security calculator at OpenSocialSecurity.com. He is also the author of several books on taxes, investing, and Social Security, and now a new book, After the Death of Your Spouse: Next Financial Steps for Surviving Spouses.   This podcast is hosted by Rick Ferri, CFA, a long-time Boglehead and investment adviser. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads' have held national conferences in major cities around the country. There are also many Local Chapters in the US and even a few Foreign Chapters that meet regularly. New Chapters are being added on a regular basis. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.     This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.

Mike Piper discusses leaving money to your heirs tax-efficiently, spending money in retirement tax efficiently, and answers a Social Security claiming strategy question for a married couple.Show NotesMike PiperOblivious Investor: Bequest Allocation and Bequest LocationBogleheads® Live with Mike Piper: Episode 9Tax-Efficient Spending Strategies From Retirement PortfoliosOpen Social SecuritySocial Security Made Simple

Mike Piper, CPA answers questions from the Bogleheads® community on Social Security, investing, and more.Show NotesOblivious Investor by Mike PiperSocial Security Made Simple: Social Security Retirement Benefits and Related Planning Topics Explained in 100 Pages or LessBogleheads® ForumBogleheads® WikiBogleheads® RedditBogleheads® FacebookBogleheads® TwitterBogleheads® on Investing podcastBogleheads® YouTube Bogleheads® Local ChaptersBogleheads® Virtual Online ChaptersBogleheads® on Investing PodcastBogleheads® ConferencesBogleheads® BooksThe John C. Bogle Center for Financial Literacy is a 501(c)3 nonprofit organization. At Boglecenter.net, your tax-deductible donations are greatly appreciated.

The 62nd NewRetirement podcast. This time, Steve Chen is joined by guest Mike Piper — CPA, author, and creator of the Open Social Security and the Oblivious Investor websites — and discusses Social Security planning, Roth conversions, and retirement account distributions.Try out the NewRetirement Planner for free: https://www.newretirement.com/planner/signupProduced by Davorin Robison.© 2021 NewRetirement Inc.

Mike Piper is a veteran and a leader among military transition in corporate America. Going from his first interview in a suit and Chuck Taylors to assisting others on making their transitions as smooth as possible. He is also a real life Ron Swanson making amazing wooden furniture. piperswoodco As always check us out on all the major social media and podcasting platforms Facebook LinkedIn YouTube Twitter Apple Podcasts

Our guest on the podcast today is Mike Piper. He is the author of several personal finance books, including Social Security Made Simple, Taxes Made Simple, Accounting Made Simple, and Can I Retire? His blog, Oblivious Investor, covers Social Security, taxes, and investing. Piper has also developed a free tool for exploring Social Security-claiming decisions called Open Social Security. He is a certified public accountant. BackgroundBioMike Piper's BooksOblivious InvestorOpen Social SecuritySocial Security"How Is Social Security Taxed?" by Mike Piper, Oblivious Investor, Jan. 1, 2019. "Does Delaying Social Security Deliver an 8% Return?" by Christine Benz, Morningstar.com, May 14, 2020. "Philosophy of Social Security Claiming Strategies," by Wade Pfau, Retirement Researcher. Social Security SolutionsMaximize My Social Security"Steve Vernon: 'Older Workers Become Targets' in Tough Economic Environments," The Long View podcast, Morningstar.com, Sept. 9, 2020."Boost Your Risk-Protected Retirement Income With a Social Security Bridge Payment," by Steve Vernon, Forbes, May 26, 2020.Retirement Planning"An Ideal Retirement Spending Strategy? "by Mike Piper, Oblivious Investor, March 12, 2018."Building a Safe Floor of Retirement Income--in Advance," by Mike Piper, Oblivious Investor, July 2, 2018."A Rough, General-Purpose Retirement Plan," by Mike Piper, Oblivious Investor, Jan. 28, 2019."Simplifying a Retirement Bucket Portfolio," by Mike Piper, Oblivious Investor, July 8, 2019."What's in My Portfolio?" by Mike Piper, Oblivious Investor, Dec. 11, 2019."Single Premium Immediate Annuity: Why They're Useful and When to Buy Them," by Mike Piper, Oblivious Investor, Jan. 1, 2020."From Assets to Income: A Goals-Based Approach to Retirement Spending," by Colleen Jaconetti, Michael DiJoseph, Francis Kinniry, David Pakula, and Hank Lobel, Vanguard, April 2020."Father of 4% Rule Says it Was Really More of a Guideline," by Ginger Szala, ThinkAdvisor, Oct. 19, 2020.Retirement Accounts"Marginal Tax Rate or Effective Tax Rate?," by Mike Piper, Oblivious Investor, Dec. 7, 2020."Marginal Tax Rate: Not (Necessarily) the Same as Your Tax Bracket," by Mike Piper, Oblivious Investor, March 15, 2021."Taxes in Retirement: What Happens After Your Husband or Wife Dies?" by Mike Piper, MarketWatch, Feb. 6, 2021."Long-Term Tax Planning Requires Guessing. Focus on the Near Term," by Mike Piper, Oblivious Investor, Feb. 2, 2021."Retirement Tax-Planning Error: Not Planning for Widow(er)hood," by Mike Piper, Oblivious Investor, Jan. 4, 2021.Target-Date Funds "Don't Judge a Fund by Its Cover," by Mike Piper, The Wall Street Journal, Aug. 8, 2013."Why Would an Experienced Investor Buy a Target-Date Fund?" by Mike Piper, Oblivious Investor, May 11, 2015."Why I (Still) Like All-in-One Mutual Funds," by Mike Piper, Oblivious Investor, Sept. 14, 2015.

Mike Piper and Chase Green having the always fun "Is JG the right guys for the Tennessee Volunteers?". We asked this question based on some quotes out of camp from Jeremy Pruitt and Jim Chaney. More big time SEC players are opting out of the seasons. We go into the reasons we think why they choose to do so. Rick Barnes' on the hunt for another 5 star and this guy just happens to be a top 5 player trending in Tennessee's favor. 

In this Podcast Rolin sits down with His Oldest Brother Mike Piper (COVID-19 Survivor) and they sit down to talk about overcoming COVID-19, kickbacks, process, protest, being a summit winner from Cricket and At&t and having a strong support system! Come take a listen I think you will enjoy the listen...

Tres Winn, Chase Green, and Mike Piper discuss the biggest topics out there in sports! For more info, find us at ChattTennSports.com --- Send in a voice message: https://anchor.fm/chatttenn-sports/message

Topics: - Recruiting success & the "accusations" that come with it. - Who is left for the Vols in recruiting? - What's CFB going to look like after COVID-19? Will you attend games or not? - 2020 Outlook & Expectations For more info, check out ChattTennSports.com

All of us can become a finance buffs if we are willing to put in the time to learn. Our guest in this episode is proof of that and is a bit of an of an idol of mine. Harry Sit has been blogging at The Finance Buff https://thefinancebuff.com/ for 13 years. When I was considering getting into blogging, I decided to reach out to the only two people I knew who had financial blogs, Mike Piper, who blogs at The Oblivious Investor and Harry Sit. I asked them what they thought about me getting into blogging as a business in the niche of reaching doctors. They were both very encouraging and gave me a couple of quick tips that really got me off the ground and running which I am very grateful.  Harry Sit and his wife are immigrants who came to the US in their 20s with just a few hundred dollars in their pockets. Now they are financially independent in their 40s. When they first came they didn't know how the financial system worked in this country and had to learn everything from how a checking account worked to doing a tax return. His first job after graduate school was in an employee benefits department for a large company. Part of his job was to present the company benefits to the new hires. He had to learn how a pension worked, how 401(k) worked, how the mutual funds in the 401(k) worked, and even what are mutual funds. Since that time he has developed an uncommonly in-depth understanding of the tax code and particularly retirement accounts. His message is really that all of us can become a finance buffs if we are willing to put in the time to learn.  He will be a key note speaker at the WCI Conference in a couple of weeks, speaking about how to legally lower your taxes. If you aren't attending the conference you will be able to buy the videos and watch that talk. In this episode we discuss retirement accounts, getting financial advice, mistakes investors make, and more.   Laurel Road  https://www.whitecoatinvestor.com/a/laurelroad has helped thousands of medical professionals across the country refinance federal and private school loans. In addition to offering a $300 bonus for WCI readers and listeners who refinance student loans with Laurel Road, Laurel Road also offers those in residency or fellowship the ability to make reduced payments throughout their training and up to six months after. Terms and conditions apply. For more information and to submit an application, simply visit Laurel Road.

Our guest on the podcast today is Chris Mamula. Chris blogs on the website, "Can I Retire Yet?" and he has also cowritten a book called Choose FI: Your Blueprint to Financial Independence, which was published in 2019. Chris is loosely part of the FIRE, or Financial Independence Retire Early, movement, but he brings a fresh perspective to the concept. He retired from a career as a physical therapist at age 41. After poor experiences with the financial industry early in his professional life, he educated himself on investing and tax planning. Now he draws on his experience to write about wealth building, do-it-yourself investing, financial planning, early retirement, and lifestyle design.BackgroundCan I Retire Yet?Choose FI: Your Blueprint to Financial Independence, by Chris Mamula, Brad Barrett, and Jonathan Mendonsa. FIRE MovementFIRE Movement"Your Questions about FIRE, Answered," by Steven Kurutz, The New York Times, Sept. 11, 2018. Lifestyle and Personal Considerations "Nearly 2 Years into Early Retirement, Here’s All That I’ve Gotten Wrong," by Chris Mamula, marketwatch.com, Aug. 19, 2019.  “A Strong Marriage in Retirement,” by Darrow Kirkpatrick, Can I Retire Yet?, March 19, 2017. "Does Fire Make Life Harder?," by Chris Mamula, Can I Retire Yet?, Dec. 10, 2018. “A Week in the Life of a Fire Household,” by Chris Mamula, Can I Retire Yet?, Sept. 17, 2018. Healthcare Coverage for Early Retirees“Navigating ACA Tax Credits to Purchase Affordable Health Insurance,” by Chris Mamula, Can I Retire Yet?, Nov. 12, 2018.  “How to Qualify for Affordable Care Act (‘Obamacare’) Premium Subsidies,” by Mike Piper, Oblivious Investor.  “Are Health Care Sharing Ministries a Viable Alternative to Health Insurance for Early Retirement?” by Chris Mamula, Can I Retire Yet?, Nov. 19, 2018.  Health care sharing ministry, Wikipedia. “Do You Plan to Retire by 50? Great, But Can You Cover Your Health Care?” by Janna Herron, USA Today, June 4, 2019. Investing and Withdrawal Rates Bogleheads website  Jim Collins blog"The Safe Withdrawal Rate Series: A Guide for First-Time Readers," Early Retirement Now.  Stock Series, jlcollinsnh.com  The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life, by J.L. Collins.“Retirement Saving and the Empty Nest Transition,” by Michael Kitces, kitces.com, May 25, 2016. "The Stages of Financial Independence," by Chris Mamula, Can I Retire Yet?, Sept. 23, 2019,“The Problem with FIREing at 4% and the Need for Flexible Spending Rules,” by Michael Kitces, Kitces.com, July 23, 2019. “The 25X Rule to Early Retirement,” by Rob Berger, Forbes.com, Feb. 23, 2017.  Human capital definition, Investopedia “Going Back to Work,” by Chris Mamula, Can I Retire Yet?, July 22, 2019. Mr. Money Mustache

Chase Green, Mike Piper, and Tres Winn bring you "Welcome To Volhalla" where we're talking all things Rocky Top! Topics: Bama Reaction What happens to JG now? What to expect against South Carolina? Recruiting in Memphis Jaden Springer You can be a part of the Podcast by leaving a Voicemail at 423-380-9096 with your hottest take, question, or comment about anything happening with the Titans, Vols, Preds, Braves, or anything else you have in mind! For more information find us at ChattTennSports.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/chatttenn-sports/message

Chase Green, Mike Piper, and Tres Winn bring you "Welcome To Volhalla" where we're talking all things Rocky Top! Topics: Miss. State Reaction Which remaining game is a must win for you? Bama Hate Week - What do you want to see? BasketVols Preivew You can be a part of the Podcast by leaving a Voicemail at 423-380-9096 with your hottest take, question, or comment about anything happening with the Titans, Vols, Preds, Braves, or anything else you have in mind! For more information find us at ChattTennSports.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/chatttenn-sports/message

Chase Green, Mike Piper, and Tres Winn bring you "Welcome To Volhalla" where we're talking all things Rocky Top! Topics: UGA Reaction What is your optimism level for the rest of the season? Is there any hope in the pass rush? Is there anyway for this year to be considered a success? JG to the Transfer Portal? Miss. State Preview You can be a part of the Podcast by leaving a Voicemail at 423-380-9096 with your hottest take, question, or comment about anything happening with the Titans, Vols, Preds, Braves, or anything else you have in mind! For more information find us at ChattTennSports.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/chatttenn-sports/message

Chase Green, Mike Piper, and Tres Winn bring you "Welcome To Volhalla" where we're talking all things Rocky Top! Topics: Why is JG starting? How hot is Pruitts seat? “Dodging Decommitments” How can the #Vols beat the Dawgs? Jeremy Banks Arrest good for recruiting? You can be a part of the Podcast by leaving a Voicemail at 423-380-9096 with your hottest take, question, or comment about anything happening with the Titans, Vols, Preds, Braves, or anything else you have in mind! For more information find us at ChattTennSports.com --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/chatttenn-sports/message

In this episode, podcast host and author of “Control Your Retirement Destiny”, Dana Anspach, covers part 1 of Chapter 12 of the 2nd edition of the book titled, “Whom To Listen Too.” If you want to learn even more than what there is time to cover in the podcast series, you can find the book “Control Your Retirement Destiny” on Amazon. Or, if you are looking for a customized plan for your retirement, visit us at sensiblemoney.com to see how we can help.   Chapter 12 (Part 1) – Podcast Script Hi, this is Dana Anspach. I’m the founder and CEO of Sensible Money, a fee-only financial planning firm. I’m also the author of Control Your Retirement Destiny, a book that covers the numerous decisions you need to make as you plan for a transition into retirement. This podcast covers the material in Chapter 12, on “Whom To Listen To”. Meaning, when you need financial advice, who can you turn to? If you like what you hear today, go to Amazon and search for Control Your Retirement Destiny. And if you are looking for a customized plan, visit sensiblemoney.com to see how we can help. ----- Not everyone needs a financial advisor, but certainly everyone needs reliable financial advice. So where do you find it? That’s what I cover in this episode. There are three main places to find advice – the media, the product manufacturers, and the 250,000 to 350,000 people out there who go by the label “financial advisor.” I’m going to cover all three. First, the media. Early in my career in the mid 90’s, I had an experience that made me realize the impact of the media. A client called up one day, quite excited, and said, “Do you have municipal bonds?” “Yes,” I replied. “Why do you ask?” “Well,” she said, “they told me I need municipal bonds.” I was a bit confused, as I was her financial advisor, so I apprehensively said, “Do you mind telling me who ‘they’ are?” “Oh,” she said, “you know—the people on TV.” Municipal bonds provide interest that in most cases is free from federal taxes, and if the bond is issued by the state you live in, it may be free of state taxes too. That means municipal bonds can be a good choice for investors in high tax brackets who have investment money that is not inside retirement accounts. This client however, was in a low tax bracket and most of her money was inside her IRA. The TV host didn’t provide specifics—only an overview of municipal bonds and the fact that they paid tax-free interest. This woman heard “tax-free” and thought it must be something she should pursue. The media doesn’t know you. I don’t know you either. I get inquiries from strangers on a regular basis asking for advice. Most of the journalists and other media personalities I know experience the same thing. Someone emails us a few pieces of data and wants to know what to do. It’s hard, because we want to help. But we don’t want to guess. To feel comfortable giving financial advice, most of the time I need to do a thorough financial projection. To do it right, I need to know everything about someone’s financial life. Once I see the entire picture, I can answer a question about the particular puzzle piece someone is asking about. Today, the media encompasses both traditional venues, such as TV, radio and magazines, as well as numerous online mediums, like blogs and podcasts. In all forms of media, there are pay-to-play articles, spotlights and links. There is nothing wrong with the pay-to-play model, as long as it is disclosed. As a consumer, you just need to be aware that many things you see, such as certain top advisor lists, are put together because someone paid to be on the list. Many product endorsements in blogs are there because the blogger gets affiliate revenue, or advertising revenue. The other challenge with media advice is that, by nature, it is designed to be mainstream broad content. For eight years, I worked to write articles that fit within a 600-800 word count requirement. For most financial topics, you can’t cover all the rules in 600-800 words. Then I would receive emails from people letting me know which items I missed. For example, I can write about the topic of Roth IRAs and generically say that most people are better off funding after-tax Roth IRAs or 401ks instead of pre-tax IRAs, and as I write that I can instantly think of numerous exceptions. Media advice is not personal. That means you should think of it as education – but not as advice. For it to be good advice, it must be personal. By all means, use the media, books, podcasts, articles and shows as a great resource to learn from. But don’t forget that the person producing that content doesn’t know you. Next, I want to discuss the industry of financial advice. There is a big difference between a product and advice, and as a consumer, you need to be able to identify which is which. In 1995, at age 23, I started my career as a financial advisor. I studied for 60 days and passed an exam. I was granted a Series 6 securities license. I didn’t know much, and I didn’t know that I didn’t know much—but I was a financial advisor. This Series 6 license granted me the right to sell mutual funds. That meant I could legally collect a commission on sales. I went to work. I was lucky enough to have a mentor who taught me to make a financial plan for each client and then recommend products based on the results of the plan. But, I worked for a product company. My job was to sell their proprietary mutual funds and insurance products and I was paid based on what I sold. What if a client wanted advice on their 401(k) plan offered by their employer? I wasn’t supposed to provide that type of advice because it was outside the scope of the company’s offerings and outside the scope of the errors and commissions insurance. What is someone had tax questions? I was supposed to tell them to go talk to their tax advisor. As I learned more about the industry, I decided I wanted to be independent. I wanted to be able to recommend any product that fit the client’s needs. And I wanted to be able to answer questions on all aspects of their finances. Today, 25 years later, many financial advisors are still not independent. They carry an insurance license or securities license and are paid primarily to sell the products their company authorizes them to sell. What do I mean by product? I mean mutual funds, exchange-traded funds, mortgages, annuities and other insurance products. A company must produce it, make sure it complies with current laws, and then have a distribution channel to market the product. Some companies market directly to the public. Vanguard, who’s flagship product is mutual funds, comes to mind when I think of this type of distribution channel. Other companies market both to the public and through a network of advisors. Fidelity and Charles Schwab are two examples of companies who have their own products, and who distribute their products directly to the retail public as well as through a network of advisors. Then you have insurance products, which are generally marketed through a network of either captive or independent agents, or through brokers who also carry an insurance license. As an independent advisor, I receive solicitations almost daily from product manufacturers. I find many of them offensive. For example, although it has been almost 15 years since I have carried an insurance license, I routinely receive email offers explaining how I can make $50,000 or more in commissions next month by putting clients in the latest annuity offering. It is hard for me to believe that that the advisors out there who respond to these offers have their clients’ best interest in mind. In addition to products such as mutual funds and mortgages, you have service packages to choose from. For example, there are now online firms called RoboAdvisors who offer a platform where the investments are selected and managed for you for a fee. This service package is for investment advice. I like these service packages and I think they are better than product-oriented sales people. Yet, investment advice should not to be confused with holistic financial planning. A service that manages a portfolio for you is not the same as a financial planner who looks at your household finances and gives advice on all aspects of your balance sheet. Many financial advisors—and the media—place far too much emphasis on product selection and investment advice and far too little emphasis on financial planning. Think of it this way; you would probably find it odd if you went to the doctor, told them your symptoms, and without any examination they began to write you a prescription. This situation happens regularly with the delivery of financial advice. I hear war stories from consumers who come in to interview us. They tell me about advisors who began the conversation by touting their investment prowess, or talking about a variable annuity that can somehow both grow and protect your money at the same time. These advisors start off by talking about products instead of starting with a household view of the client’s finances. Financial planning is about how much you save, what types of accounts you contribute to, how you track your expenses and net worth, and how to set yourself up for success no matter what happens with the economy or the stock market. There is not a product out there that can solve a financial planning problem. Just as you can’t take a drug that overcomes the effect of a lifestyle of no exercise and unhealthy eating, you can’t find a magic investment answer to a habit of not planning and not updating your plan on a regular basis. Your key take-away is do not confuse a product recommendation with advice. If you can recognize the difference, you’ll be well on your way to being able to know who to pay attention to, and who to ignore. That brings us to the last topic, which is do you need a financial advisor, and if so, how do you find the right one for you? I am clearly biased when it comes to this topic. I am a financial advisor, and I own a firm that delivers financial advisory services. Thus, I would like to share someone else’s thoughts on this question. I’m fan of the online advice website Oblivious Investor (www.obliviousinvestor.com), written by Mike Piper. Mike also has a series of short cliff-note like books on various financial topics. In his book titled Can I Retire?, Mike states that “… most investors do not need a financial advisor if they’re willing to take the time to learn all the ins and outs.” But he adds that “as an investor gets closer to retirement the usefulness of an advisor increases dramatically.” I agree with this. Not everyone needs an advisor. If they are willing to learn all the ins and outs. Yet, as you near retirement you have a series of permanent and often irreversible decisions to make. Most people can benefit from expert advice at this phase. Smart advice can provide results that are measurable in dollars and priceless in terms of how comfortable you feel as you transition into retirement. So, where do you find the right advisor? I’m going to walk you through the main criteria to consider. I’ll cover how advisors are licensed and regulated, how they are compensated, and what credentials to look for. First, regulations. There are two organizations that regulate the financial advice industry. One is FINRA, which is an abbreviation for the Financial Industry Regulatory Authority. When you carry a securities license you are regulated by FINRA. A securities license legally allows you to collect a commission from a transaction. I started my career with oversight from this organization. Then there is the SEC which stands for the Securities and Exchange Commission. When you are an investment advisor who charges a fee for advice – a fee that is not dependent on the sale of a specific product, and you have over $100 million of assets that you manage, then you are regulated by the SEC. If you are a smaller firm with less than $100 million then you are regulated by your state securities commission instead of the SEC. You can be regulated by both FINRA and the SEC. In technical language this is referred to as a “hybrid advisor”. In my mid-career years, I worked at a CPA firm and we carried securities licenses, insurance licenses and were able to charge a fee for investment advice. We were regulated by FINRA, our states’ insurance office, and our state’s securities division. Now my firm is only regulated by the SEC. We carry no securities or insurance licenses. We cannot be compensated from the sale of a product. We fall under the rules of the Investment Advisor Act of 1940, which means as a matter of law, we have a fiduciary duty to our clients. As it stands today in 2019, the majority of advisors are still not fiduciaries. I advise people to seek financial advice from someone who is a fiduciary and will acknowledge that they have a legal duty to provide advice in their client’s best interest. The simplest way to find advisors that meet this standard is to find advisors who are regulated by the SEC or their state, but not by FINRA. You can also visit an organization called NAPFA, the National Association of Personal Financial Advisors, and use their search for an advisor feature. All advisors who are members of this organization are fee-only advisors who have a fiduciary duty to their clients.The way someone is regulated also has a relationship to how they are compensated, which is the next key thing to consider when hiring someone. I’ll cover four of the most common compensation structures. First, commissions. Under a commission structure, when you buy an investment or insurance product, your financial advisor receives a commission for the sale of that product. Advisors who are compensated by commissions may have a limited set of investment products to choose from. I have met advisors under this model who sell only variable annuities, only mutual funds, or only life insurance. They know their products inside and out, but all too often, they have limited knowledge of the choices available outside of their product line. If you have already determined the type of investment product you need, the right commissioned advisor may be a great resource to help you sift through the choices in that product line, but they may not be the best resource in helping you design your overall plan. Next, there is hourly pricing. With an hourly pricing structure, you are paying for your advisor’s time. Most advisors who charge hourly will provide you an up-front estimate of the amount of time it may take. With hourly pricing, much like that of an attorney or CPA, rates vary with the experience level of the advisor. Average rates range from about $100 to $300 an hour. I used to offer a la carte financial advice where someone would pay an hourly rate and I’d assist with whatever project they asked for. Why did I stop doing this? I found that when looking at only a piece of someone’s finances I couldn’t feel confident I was giving the right answer. For some folks, hourly pricing is a perfect fit. An organization called Garret Planning Network offers a great search feature where you can locate hourly planners. If you want portfolio advice on an hourly basis, check out RickFerri.com. Rick is a Chartered Financial Analyst who offers customized investment advice on an hourly, as-needed basis. Next, you have financial planning fees. Some advisors charge per financial plan. They quote you a specific price that covers a set of services. Pricing may range from $1,000 to $15,000 for a written plan, recommendations, and a defined number of meetings. Typically, you get what you pay for, so if the plan is free, watch out. The plan pricing is often customized to the complexity of your situation. And last, there is one of the most common structures, which is charging a percentage of assets managed. Under this method of compensation, an advisor will handle the opening and management of accounts and may also offer financial-planning advice along with investment advice. Pricing ranges from about 0.5% to 2% per year. Usually the more assets you have, the lower the rate. Many advisors have minimum account sizes. You can ask an advisor what their minimum is before you meet. There can be a vast difference in services offered for exactly the same rate. For example, brokers may put you in a fee-based account model where investments are managed by software. They may charge 1.5% a year and yet not be able to offer any tax planning advice. At my firm, for a lower rate, we do far more than put you in an account model and rebalance once a year. We update your financial plan, provide advice on accounts outside our management, run an annual tax projection, and match your investment needs to your retirement cash flow needs. It takes far more hours than most people think. And, we keep people from making horrible mistakes with their money. Not everyone is cut out to do their own financial planning and investing. For those who aren’t, 1% is a great value. As you age, you must also consider your spouse. You may be well qualified to manage your finances and investments on your own, but whose hands might your spouse end up in when you’re gone? It may be better for you to select the appropriate firm now rather than leave such a thing up to chance. The last thing I want to cover is credentials. As of 2017, a research firm named Cerulli Associates estimates there are about 311,000 financial advisors in the United States. About 82,000 have a Certified Financial Planner designation. To make sure your advisor has the basic education, what I might call a bachelor’s degree in financial planning, choose someone with the CFP® designation. Another similar designation that qualifies someone is the PFS or Personal Financial Specialist designation which can only be acquired by a CPA. By hiring a CFP or PFS you can be confident that your advisor has the needed education in the basic financial concepts they must know. I started my career without any credentials and without any education in financial planning. I was earnest, believable, and genuine. I had never owned a home, didn’t know anything about taxes, and had no perspective on what a bear market would look like. Yet I was a financial advisor. I believe a lot of advisors are like I was when I started my career: well-intentioned. However, that doesn’t mean they know what they are doing. At my firm we work as a team, so planners who are younger in their careers work side by side with someone more experienced. You’ll have to determine how much experience you think is appropriate. I recommend a minimum of five years. You’ll also have to determine if you have other advanced needs. If you need an advisor who is a specialist, then look for additional designations. At Sensible Money, we are retirement income specialists. We carry an RMA or Retirement Management Advisor designation, which I equate to getting a master’s degree in the distribution phase. The focus of an RMA is on decumulation planning. If you want an investment specialist, look for a CFA, or Chartered Financial Analyst. You most often see this designation among people who manage institutional money such as for mutual funds or pension funds. You may want a CFA, or want to work with a firm that has a CFA as part of their team, if you have advanced investment-management needs—for example, you may own a big chunk of employer stock, are an officer of a publicly traded company, or have inherited complex investments. When it comes to hiring an advisor, lay out what you are looking for in terms of how the advisor is regulated, compensated, and what credentials they carry. Then only interview those who fit your criteria. That wraps it up for the first part of Chapter 12 on “Whom to Listen To”. I will be recording additional content from Chapter 12 on “Interviewing Advisors” and on one of the most important topics I can think of - “Avoiding Fraud.” ----- Thank you for taking the time to listen today. Visit amazon.com to get a copy Control Your Retirement Destiny in either electronic or hard copy format. You can also visit sensiblemoney.com, to see how a staff of experienced retirement planners can help.  

Mike Piper is our guest in Episode 7. Mike is a licensed CPA, author of the popular Oblivious Investor blog, and author of many finance and tax-related books including Social Security Made Simple. He is favorite among Bogleheads for his straightforward advice on retirement planning, investing, Social Security and other personal finance related issues. Recently, Mike has been spending a lot of his on his new website Open Social Security and specifically with one of the best online Social Security calculators available - and it's FREE to use!    This podcast is hosted by Rick Ferri, CFA, a long-time Boglehead and investment adviser. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance and relevant information to other investors of all experience levels at no cost.   The organization's free website is Bogleheads.org and the wiki site is Bogleheads® wiki. Bogleheads sites are operated by volunteers who contribute time and talent. Donations help defray operating costs.   Since 2000, the Bogleheads' have held national conferences in major cities around the country and currently meet in Philadelphia in the autumn of each year. There are 56 Local Chapters in the US and three Foreign Chapters that also meet regularly. New Chapters are being added on a regular basis.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012.

In this episode Dr. Dahle interviews Mike Piper, CPA, who gave the two highest ranked talks at the entire WCI conference in March. In this episode they discuss the new 199A deduction for physicians, when to take social security, the LLC vs S Corp vs C Corp decision,and frequent tax issues that high income professionals face. If you found this podcast useful visit our blog at http://whitecoatinvestor.com/ for more personal finance and investing information. Find an engaging and helpful community in our forum at http://whitecoatinvestor.com/forums/ This episode is sponsored by CommonBond. If you’re like many of your peers, your heart probably drops each time you see how much you owe in medical school loans. But, it doesn’t have to be this way. You don’t have to live life with high payments or high interest. By simplifying all of their student loans into one loan at a lower rate, Doctors save $50,615 on average—and CommonBond is here to help you do it. With a straight-forward, commitment free application, you’ll get your new interest rate in two minutes. CommonBond is also the leader in borrower protections versus other options, because they know how unpredictable life is. And, their award-winning service team has your back every step of the way. As a member of the WCI community, you’ll get a $500 bonus when you refinance with CommonBond. Apply today at Commonbond.co/wci to lock in your rates before they go up. CommonBond is a licensed lender. NMLS number 1175900

Joining Phil on this episode is Mike Piper, the CEO of ICS Tax, LLC, to explain P3s, or Public-Private Partnerships, and tax strategies such as cost segregation. Mike brings a wealth of expertise to provide beneficial tax strategies to both public and private entities that have made investment in student housing facilities beneficial. By using the example of public universities, Mike shows how pairing together a tax paying private entity with a tax free public entity can create a win-win for developer and university. Mike then delves a little into his business and the software they have developed to help companies large and small identify beneficial tax strategies.

Imagine you’re a CPA preparing tax returns for clients. Over the years you hear the same tax questions over and over again. So one day you decide to write a short book answering the most common tax questions and publish the book on Amazon. While you knew you could make money from the book, that […] The post DR 006: How to Make 6-Figures Publishing Books on Amazon [with Mike Piper] appeared first on The Dough Roller.