Podcasts about nua

Samantha Kuczynski is a multitasker; balancing daily childcare for her two small children, managing her upholstery business, and serving as the current President of the National Upholstery Association. Sam owns Stuffed & Tufted, an upholstery business in Baltimore, MD. Before launching her upholstery career, Sam worked as a Props Artisan for professional theatre, where she learned the basics of upholstery and developed a passion for recovering furniture. Over the past eight years, she has built a reputation for high-quality residential work while collaborating with museums, local shops, furniture makers, and designers. Sam joined the NUA board in 2023 and served in various positions before stepping into the role of President. She is excited about the future of the upholstery industry, proving that it is far from a dying trade! When she is not managing emails over a sleeping baby, Sam enjoys cooking, gardening, and visiting museums. Sam is on Instagram and Facebook. Links and Resources; Upholstery : Basic & Traditional Techniques by Santiogo Pons, Eva Pascuali Miró, Jordi Pons   The Sew Much More Podcast is sponsored by;     Klimaka Studios   The Workroom Channel   Scarlet Thread Consulting   The WCAA   The Curtains and Soft Furnishings Resource Library   National Upholstery Association   Workroom Tech    

Todas las canciones de 'Viva Donato', disco homenaje al compositor, pianista y arreglista brasileño João Donato, en el que han participado Gilberto Gil y Mônica Salmaso ('A paz'), Bebel Gilberto ('Nua idéia'), João Bosco ('A rã'), Silva ('Aquela delícia singela'), Joyce Moreno ('Até quem sabe'), Djavan ('Falta de ar'), Roberta Sá ('Flor de maracujá'), Paula y Dora Morelenbaum ('Cadê Jodel?'), Marcos Valle y Patricia Alví ('Vamos combinar'), Ivan Lins ('E vamos lá'), Antonio Adolfo ('Simples Carinho'), Fafá de Belém ('De um jeito diferente'), Margareth Menezes ('Emoriô'), Donatinho ('Lua dourada') y Fernanda Abreu ('Nasci para bailar').Escuchar audio

On today's Tech 3, we cover the biggest developments shaping India's startup and technology landscape: Pixxel.and Nua's latest funding and expansion plans, and a fresh wave of investor interest in India's premium consumption startups. We also look at the Karnataka IT Secretary's priorities for India's digital and technology ecosystem, and explore how wealth-tech platforms are changing the way Indians invest and manage money.

Spleia: 4 milliuns per ennavar – Via en Val Calanca puspè averta cun restricziuns – 60 onns en in corp che na para betg dad esser il dretg – Nua èn las dunnas che guidan en muntogna?

Episode 116 – The Alphabet Soup of Employee Stock BenefitsWhy employee ownership can be a powerful wealth-building toolOverview of ESOPs, ESPPs, RSUs, and the NUA tax strategyHow ESOPs and ESPPs give you company stock through contributions or discounted purchasesHow RSUs work, when they're taxed, and why they often lead to concentrated employer stockWhat NUA is and when it can reduce taxes on appreciated company stock in a 401(k)Key risks of single‑stock exposure and why diversification is crucialPractical RSU tip: when it can make sense to sell vested shares and reinvest or pay down debtHow to think about these benefits as part of an overall financial and tax planIf you'd like help reviewing your equity compensation and overall plan, schedule a free introductory meeting at betterplanningbetterlife.com.This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual.

Apparently, self-driving cars don't know where they shouldn't park Self-driving cars are proving to be remarkably safe on the road and, so far, have demonstrated a better safety record than human drivers in many situations. However, like all technology, they still lack common sense. They may be able to navigate traffic, but they don't always understand where they can and more importantly, cannot park.   Over the past year and a half or so in Austin, Texas, Waymo's fleet of roughly 300 robotaxis has accumulated nearly $10,000 in parking tickets. While autonomous vehicles are doing well when it comes to following maps and traffic laws, they can become confused in situations that require human judgment. Reports indicate they sometimes struggle to follow directions from first responders, stop in places that block traffic, park in handicap spaces, or fail to recognize tow-away zones.   One notable incident in 2025 involved a Waymo vehicle that stopped on the side of a road in northern Austin while blocking an active railroad crossing. Police reportedly weren't sure how to move the vehicle, so they called a tow truck to remove it. There have also been reports of Waymo vehicles stopping in front of parking garage entrances and parking lot access points for no obvious reason, preventing other drivers from entering or exiting.   These issues will likely be resolved as the technology improves. Still, they highlight an important limitation. These robotaxis can process enormous amounts of data and make incredibly complex driving decisions, but it doesn't possess the instinctive common sense that people rely on everyday. For now, that's one area where humans still have an advantage over machines.   Why Interest Rates Could Stay Higher Than Many Expect One of the biggest debates in financial markets today is where interest rates are heading. While recessions can temporarily push yields lower, there are several long-term structural reasons why interest rates may remain elevated compared to what investors became accustomed to after the 2008 financial crisis.   The first and perhaps most important issue is the federal government's fiscal position. U.S. federal debt has climbed to roughly $40 trillion which is about 120% of GDP, a level that is historically very high outside of major wars or national emergencies. For much of the post-World War II period, debt-to-GDP remained well below current levels before accelerating sharply after the financial crisis and again during the pandemic.   Just as concerning is the federal deficit. The government continues to run annual deficits exceeding 5% of GDP, meaning debt is growing faster than the economy itself. As long as Washington continues borrowing at a pace that exceeds economic growth, the debt burden becomes increasingly difficult to stabilize. More Treasury issuance means investors must absorb a growing supply of government bonds, which can place upward pressure on yields unless demand keeps pace.   Another factor is the Federal Reserve's balance sheet. During the financial crisis and the pandemic, the Fed became one of the largest buyers of Treasury and mortgage-backed securities, helping suppress long-term interest rates through quantitative easing.   While the Fed has begun reducing its holdings, its balance sheet remains enormous by historical standards. Federal Reserve assets of about $6.7 trillion are currently equal to roughly 21% of U.S. GDP. Before the2008-09 financial crisis, the Fed's balance sheet averaged only about 6% of GDP, meaning it remains more than three times larger than its pre-crisis norm. Although assets have declined from the April 2022 peak of approximately $9 trillion, or roughly 35% of GDP, the balance sheet is still exceptionally large compared to history. Another comparison that is troubling is Fed holdings currently amount to about 26.5% of all assets held by U.S. commercial banks versus the norm of about 10% before the financial crisis.   Continuing to shrink the balance sheet would allow private markets to play a larger role in determining interest rates while reducing the Federal Reserve's extraordinary footprint in financial markets. A return toward more normal market functioning would likely mean less artificial downward pressure on long-term yields.   History also provides perspective on where Treasury yields could ultimately settle. Since 1958, the 10-year Treasury yield has averaged roughly 1.92 percentage points above inflation. That is simply a long-run average and there have been periods when the spread exceeded 5 percentage points and others when it turned negative, but it does give some guidance on a normalized level for the 10-year treasury.   When it comes to mortgage rates, they are closely tied to Treasury yields as well. Historically, the spread between the 30-year fixed mortgage rate and the 10-year Treasury yield has generally averaged about 1.5%to 2%, reflecting credit risk, servicing costs, and other factors. Post Covid, this spread did spike to over 3%, but that 1.5% to 2% range seems to be pretty consistent going back to 1990. If Treasury yields remain structurally higher because of persistent deficits, elevated debt levels, and a still-large Federal Reserve balance sheet, mortgage rates could also remain above the exceptionally low levels many homeowners became accustomed to.   None of this means rates cannot decline during economic slowdowns or recessions. They almost certainly will at times. But investors expecting a permanent return to near-zero interest rates may be overlooking the structural forces now shaping the bond market. High government debt, persistent fiscal deficits, continued Treasury issuance, and a Federal Reserve balance sheet that remains well above historical norms all suggest that the era of ultra-cheap money may prove to be the exception rather than the rule.   Should You Buy or Sell That Luxury Brand Stock? Luxury brand stocks that sell high-end handbags, jewelry, and other luxury goods have been in a bear market for the past couple of years. After aggressively raising prices during and immediately following the pandemic, it appears the buying frenzy for luxury products has faded.   There may be one bright spot beginning to emerge, particularly in the jewelry category. Richemont, the parent company of Cartier, Van Cleef & Arpels, and Buccellati, reported a 24% year-over-year increase in jewelry sales in its most recent quarter. If you don't recognize those brands, don't worry, the important takeaway is that they sell some of the world's most expensive jewelry, and demand in that segment has remained surprisingly resilient.   Luxury giants, including Kering, the parent company of Gucci, as well as LVMH and Hermès have suffered steep declines over the past few years. LVMH has fallen from more than $900 per share to around $500, while Kering has dropped from over $900 to roughly $300 as Gucci's sales have struggled.   During the pandemic, some consumers even purchased luxury handbags with the expectation that they would appreciate in value. While a handful of extremely rare bags have done just that, those cases are the exception rather than the rule. If you're buying a luxury handbag, buy it because you genuinely enjoy it not because you expect it to become a profitable investment.   The same caution applies to the stocks. My view is that the surge in luxury spending during and immediately after COVID was fueled by an extraordinary amount of stimulus money and excess savings, creating an artificial spike in demand. As those conditions have faded, so has the appetite for expensive discretionary purchases.   While there may be periods of recovery, especially in categories like jewelry, I don't expect the luxury sector to return to the pandemic-era buying frenzy anytime soon. That makes me cautious on both the products themselves as investments and the stocks that depend on that level of consumer spending.   The Paramount deal just can't stay out of the news Next month will mark one year since Paramount began its pursuit of Warner Bros. What started as an unsolicited bid eventually turned into an agreement for Paramount to acquire Warner Bros. in an $81 billion deal. However, the transaction continues to face significant legal hurdles.   Several state attorneys general have raised antitrust concerns, forcing the deal into the court system. In the meantime, Paramount has agreed to pay a $650 million per quarter "ticking fee" if the deal is not completed by September 30. On top of that, the company's legal bill has already reached roughly $160 million, and the case hasn't even gone to trial yet.   The costs only increase from here. If the merger is ultimately blocked or isn't completed by June 2027, Paramount would owe Warner Bros. a staggering $7 billion breakup fee.   Paramount is pushing to begin the trial by November 4, but the attorneys general seeking to block the deal want to delay proceedings until next April. Paramount does have some leverage, as it has major operations and thousands of employees in states such as California, New York, and New Jersey. Even California Governor Gavin Newsom has encouraged the state's attorney general to find an out-of-court resolution.   For investors, this has been an extremely nerve-racking situation. Paramount shares are currently trading around $8, down roughly 41% year to date after starting the year near $13.40 per share. Every delay adds more uncertainty, more legal expenses, and more ticking fees.   There are also strong incentives for the companies involved to get the deal across the finish line. Warner Bros. CEO David Zaslav could reportedly receive compensation worth more than $800 million if the transaction is completed, giving him a significant financial incentive to see the merger succeed.   This will likely continue to test shareholders' patience. As the legal battle drags on, the legal bills and ticking fees continue to pile up. It makes me wonder: Is this deal really worth it for David Ellison and Paramount?   Should U.S. Car Makers Like Ford and General Motors Diversify Their Businesses? It's no secret that the auto industry is highly cyclical, with periods of strong demand followed by inevitable slowdowns. Right now, both Ford and General Motors are generating significant cash flow and posting solid earnings despite paying billions of dollars in tariff costs and writing off substantial losses from their electric vehicle investments. But the question investors should be asking is: when does the party end?   One concern is affordability. New vehicle prices continue to rise, making it increasingly difficult for many consumers, especially younger buyers, to purchase a car. At the same time, younger generations simply don't seem as excited about getting behind the wheel as previous generations were.   The numbers are striking. Today, only about 25% of 16-year-olds have a driver's license, roughly half the percentage from 1980, when about 50% were licensed. Even among 18-year-olds, only around 60% have a driver's license today, compared with roughly 80% nearly five decades ago. Ride-sharing services such as Uber and Lyft have made it easier for young adults to pay for transportation rather than own a vehicle themselves. I also can't help but wonder how that's changed the dating scene compared with past generations.   The auto industry has faced this type of challenge before. During the 1980s, both Ford and General Motors spent billions of dollars diversifying into financial services and defense businesses. Meanwhile, Toyota stayed focused on building reliable, high-quality vehicles that consumers wanted to buy. While Detroit was chasing diversification, Toyota was steadily gaining market share with better products.   I hope today's management teams remember that lesson. Auto manufacturing will always be cyclical, and no business grows every single year. The best long-term strategy may be to focus on building vehicles that customers genuinely want rather than chasing growth in unrelated industries.   That said, there are signs that history could be repeating itself. Ford recently announced Ford Energy, a grid-scale battery storage business, while General Motors continues expanding its military vehicle business and is working with Lockheed Martin on defense-related technologies. These ventures could prove successful, but investors should hope management doesn't lose sight of its core business.   History has shown that the companies producing the best vehicles over the long run are usually the ones that create the most value for shareholders.   A Weak Jobs Report, But There Were a Few Bright Spots There is no sugarcoating it, today's jobs report was weaker than expected and adds to the evidence that the labor market is continuing to cool. Total nonfarm payroll employment fell by 23,000 jobs in the month and May and June saw a combined negative revision of 103,000 jobs. May was revised from 129,000 to 66,000 and June was revised from 57,000 to 20,000.   Even though the report was softer than anticipated, the headline payroll number doesn't tell the entire story. A meaningful portion of the weakness came from government employment as it fell by 53,000 jobs in the month. Local government education jobs were particularly weak with a decline of 50,000 jobs as they can be volatile during the summer because of seasonal adjustments.   There also appear to be temporary distortions related to the FIFA World Cup, which likely shifted hiring patterns. Leisure and hospitality showed a decline of 40,000 jobs and retail trade declined by 19,000 jobs. Those factors don't erase the weakness, but they do suggest the private sector wasn't quite as soft as the headline number implies.   There were still several areas of strength in the report worth highlighting. Healthcare remained a key driver of payroll growth, adding 22,000 jobs. While that was below its 12-month average of 36,000, it continues to be one of the strongest and most consistent sources of job creation. Construction also posted a solid gain, with payrolls increasing by 22,000, suggesting that demand in the sector remains resilient despite elevated interest rates and ongoing affordability challenges.   The unemployment rate remained one of the stronger aspects of the report, falling to 4.1%. By historical standards, that still reflects a relatively healthy labor market. However, there is an important caveat. The labor force participation rate declined again, meaning fewer Americans were either working or actively looking for work.   The participation rate fell to 61.4%, its lowest level in more than five years and, excluding the Covid pandemic, the lowest reading in roughly 50 years. Likewise, the employment-to-population ratio slipped to 58.9%, its lowest level since May 2014. A declining participation rate can make the unemployment rate appear stronger than it actually is because people who stop looking for work are no longer counted as unemployed.   One positive development was wage inflation. Average hourly earnings continued to moderate, with annual wage growth slowing to roughly 3.2%. That's much closer to a pace consistent with the Federal Reserve's inflation target and suggests wage pressures are continuing to ease without collapsing. Slower wage growth should help reduce inflationary pressures while still allowing workers to see income gains.   The next few monthly reports will be important. If private-sector hiring continues to weaken and participation keeps falling, concerns about the broader economy will likely increase. But if today's weakness proves to be exaggerated by temporary factors, the labor market may still be on track for a gradual slowdown rather than a sharp deterioration.   Financial Planning: Understanding Net Unrealized Appreciation (NUA) Employees who have built up significant company stock inside their 401(k) may have a valuable tax planning opportunity called Net Unrealized Appreciation (NUA). NUA allows retirees to move company stock from their retirement plan into a brokerage account and receive long-term capital gains treatment on the stock's growth instead of paying higher ordinary income tax rates. The benefit of NUA can be significant for employees who purchased company stock at a low cost and saw it grow substantially over time. However, the decision involves a tradeoff: the stock's original cost basis becomes taxable as ordinary income in the year of distribution in exchange for the benefit of receiving long-term capital gains treatment on the appreciation when shares are eventually sold. If the cost basis is too large, the upfront tax liability may outweigh the potential tax savings, and keeping the stock inside a retirement account and paying ordinary income taxes on future withdrawals may be the better strategy. Companies: Chipotle Mexican Grill, Inc. (Ticker: CMG)

Could a little-known tax strategy save you thousands in retirement? In this episode of the Wise Money Show, we break down Net Unrealized Appreciation (NUA)—an advanced 401(k) strategy that can help reduce taxes on highly appreciated company stock. Learn how NUA works, who may benefit from it, the potential pitfalls to avoid, and why careful planning before retirement is essential. If you have company stock in your 401(k) or are approaching retirement, this is an episode you won't want to miss. Season 11, Episode 44 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/ypDkTyaIUG0  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Tá an phríomhdhuais buaite ag togra ó Mheánscoil Nua an Leith Triúigh i gCaisleán Ghriaire ag Gradaim na gComhshaolaithe Óga.

Cúrsaí polaitíochta an lae - Ospidéal Nua na Leanaí.

Wir springen in dieser Folge ins Irland des 16. Jahrhunderts. Hier steigt Gráinne Ní Mháill, auf Englisch Grace O'Malley, zu einer der mächtigsten Frauen der Westküste auf. Wir haben es vor allem einem Besuch bei der englischen Monarchin Elizabeth I. zu verdanken, dass wir sie heute überhaupt als historische Person zu fassen kriegen. Wir sprechen über ihr Leben, ihr Wirken und weshalb sie heute gerne auch als Piratenkönigin Irlands bezeichnet wird. // Erwähnte Folgen - GAG509: Filmreife Flucht – https://gadg.fm/509 // Literatur - Chambers, Anne. Pirate Queen of Ireland: The Adventures of Grace O'Malley. Cork: The Collins Press, 2014. - Sjoholm, Barbara. The Pirate Queen: In Search of Grace O'Malley and Other Legendary Women of the Sea. Seattle: Seal Press, 2004. - Murray, Theresa D. “Gráinne Mhaol, Pirate Queen of Connacht: Behind the Legend.” History Ireland. https://historyireland.com/grainne-mhaol-pirate-queen-of-connacht-behind-the-legend/ (abgerufen am 12. April 2026). - Maume, Patrick. “Containing Granuaile: Grace O'Malley in Two Nineteenth-Century Novels.” New Hibernia Review / Iris Éireannach Nua 19, no. 1 (2015). Das Episodenbild zeigt eine Darstellung des Besuchs bei Elizabeth, aus der Anthologia Hibernica. //Aus unserer Werbung Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/GeschichtenausderGeschichte //Geschichten aus der Geschichte jetzt auch als Brettspiel! Werkelt mit uns am Flickerlteppich! Gibt es dort, wo es auch Becher, T-Shirts oder Hoodies zu kaufen gibt: https://geschichte.shop // Wir sind jetzt auch bei CampfireFM! Wer direkt in Folgen kommentieren will, Zusatzmaterial und Blicke hinter die Kulissen sehen will: einfach die App installieren und unserer Community beitreten: https://www.joincampfire.fm/podcasts/22 //Wir haben auch ein Buch geschrieben: Wer es erwerben will, es ist überall im Handel, aber auch direkt über den Verlag zu erwerben: https://www.piper.de/buecher/geschichten-aus-der-geschichte-isbn-978-3-492-06363-0 Wer unsere Folgen lieber ohne Werbung anhören will, kann das über eine kleine Unterstützung auf Steady oder ein Abo des GeschichteFM-Plus Kanals auf Apple Podcasts tun. Wir freuen uns, wenn ihr den Podcast bei Apple Podcasts oder wo auch immer dies möglich ist rezensiert oder bewertet. Wir freuen uns auch immer, wenn ihr euren Freundinnen und Freunden, Kolleginnen und Kollegen oder sogar Nachbarinnen und Nachbarn von uns erzählt! Du möchtest Werbung in diesem Podcast schalten? Dann erfahre hier mehr über die Werbemöglichkeiten bei Seven.One Audio: https://www.seven.one/portfolio/sevenone-audio

Nesse episódio especial de aniversário de 7 anos do podcast, conversamos com Bia Vilela e Luiza de Andrade, diretoras da docussérie Nua na Rede: A Verdade Sobre Rose Leonel. Conheça os detalhes do caso de Rose, que teve fotos íntimas vazadas no início dos anos 2000, toda a história de luta dela para que o ato fosse reconhecido como crime e as dificuldades e bastidores da produção de uma série tão importante.Apoie nosso podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.1001crimes.com.br⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mande suas histórias: 1001medinhos@gmail.comFale com a gente: 1001crimes@gmail.comConfira nosso canal! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠youtube.com/1001crimes

                                Copperplate Podcast 316                                presented by Alan O'Leary                                             April 2026                             www.copperplatemailorder.com 1. Gerry Diver:  The Bath Set. Diversions 2. Gatehouse: Jimmy Giblin's/The Gneevguilla Reel/The Casagh Reel.    Tús Nua 3. Elaine Reilly & Daithi Gormley:  The Jig of Port Fleadh/               The Pride of Sliabh Aughty/Tapping Toes.   Epiphany 4. Tony Reidy:  Black Pudding Music. The Coldest Day in Winter 5. Johnny Connolly:  Cooley's/Come West Along the Road.  Drioball na Fáinleoige6. Patsy Moloney: The Humours of Carraigaholt/Donal O'Phumpa. Temple in the Glen 7. Noel Hill:  An Phis Fluich/The Fisherman's Jig.                Live in New York                                8. Dezi Donnelly & Mike McGoldrick:   Humours of Lissadell/The Queen of May/Sweeney's.                     Dog in the Fog9. Eilis Kennedy:  The Saucy Sailor.  Westward 10. Ben Lennon & Tony O'Connell:  Mullingar Races/Boy on the Hilltop.  Rossinver Braes 11. Mick O'Brien & Caoimhin O'Raghallaigh:        An Buailteoir Aerach/The Enchanted Lady/The Holy Land.  Deadly Buzz 12. Karen Ryan: The Galway Reel/Musical Priest/ Sailor on the Rock.  The Coast Road13. Dave Sheridan: I Buried My Wife/O'Dea's/Ryan's.   Drivin' Leitrim Timber 14. Gerry Hanley:  Jackie Coleman's/Bird in the Bush/Jenny's Wedding.  In The Middle of It 15. John & Jacinta McEvoy: The Trip to Tara/The Bull's Feast.  The Boyne Mist 16. Garadice: Keep It Up/The Cloone Reel/The Old Schoolmaster/The Missing Reel. Garadice

In this episode of Retirement Reality, Louis shares how a mid-year layoff after 32 years in tech became an unexpected doorway to something lighter, calmer, and more intentional. At 57, he is weighing recreational employment against full freedom, noticing how life feels when the inbox goes quiet and mornings are unhurried.Louis talks travel as a value, not a splurge. First-class seats, suites, and stretch-time together are part of the plan when the plan is built right. He loves scuba and earned his instructor certification, yet he also honors what matters at home: a younger partner who still works and two aging dogs who set the pace. His “opportunity” mindset reframes a layoff into a season to breathe, learn, and choose with purpose.We also explore the money side without turning it into a spreadsheet show. Louis is candid about concentration in company stock, learning the language of diversification, and discovering tools like NUA for 401(k) company shares. He wants to stay CEO of his money while bringing in an expert as CFO, so the plan funds a life well lived, not just a tax win. After the sudden loss of a friend, he and his partner finished their wills and trust work, proving that clarity is a gift to the people you love.If you are a high-achiever in your 40s to 60s, maybe recently laid off, wondering whether to jump back in or step into something new, this conversation gives you both inspiration and next steps. You will hear how less stress can feel like new oxygen, why “wait and breathe” beats a knee-jerk job hunt, and how to design travel, work, and wealth around the life you actually want.--Louis is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known. Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

'Vila' se titula el disco que Fabiano do Nascimento, el guitarrista brasileño que vive en California, ha grabado con una orquesta de 16 músicos bajo la dirección del trombonista y arreglista Vittor Santos: 'O tempo (Foi o meu mestre)', 'Tema em harmônicos', 'Uirapuru', 'Trenzinho imaginário', 'Valsa' y 'Floresta dos sonhos'. Del disco 'Donateando. The music of João Donato', de Ramiro Pinheiro y Rodrigo Balduíno, publicado por el sello de Jordi Pujol, 'Vento no canavial' -con el trombón de Rita Payès-, 'Então, que tal', 'Nua idéia' -con Rita Payès y Mônica Salmaso- y 'Bluchaga'. Doble adelanto del próximo disco de la cantante sueca Elisabeth Melander, producido por Arnaldo de Souteiro, con 'Jardín botánico' de Michael Franks y la adaptación al inglés, 'In summer', de la canción italiana 'Estate'. Despedida con 'Don´t look down' del nuevo disco de Pat Metheny.Escuchar audio

Ana Rossi, cantante argentina afincada en Barcelona, acaba de publicar un EP de 4 canciones acompañada por el guitarrista brasileño Ramiro Pinheiro, 'Sublime primavera vol. 2', con 'O passo da dança' de Dori Caymmi, 'Estrada branca' de Antonio Carlos Jobim y Vinicius de Moraes, 'Fina estampa' de Chabuca Granda y 'Sambinha agradecido' de la propia Ana. De un primer volumen de 'Sublime primavera', de Ana Rossi, 'Trilhos urbanos' y 'Cajuína' ambas de Caetano Veloso. Del disco 'Donateando. The music of João Donato', de Ramiro Pinheiro y Rodrigo Balduíno, las composiciones de Donato 'Vento no canavial' -con el trombón de Rita Payès-, 'Então, que tal', 'Nua idéia' -con Rita Payès y Mônica Salmaso- y 'Lugar comum'.Escuchar audio

Traducción EspañolaFebruary 2026: Secular AA's monthly world-tour of speaker meetings is hosted by the Freethinkers Tús Nua from Ireland. Our speakers this month are:David DVictoria RHoward W..with Jan W as emcee.Following these talks is sharing from around our agnostic/atheist/freethinkers AA world. This is an open and welcoming meeting inviting others to share their thoughts about the speakers' shares and should be interesting for anyone, newcomer and long-timer alike (or just curious).Next month's Secular AA Global Speaker Tour will be featuring the "Reason and Recovery" on Sunday, March 1st with simultaneous translation to Español at:2 pm EST1 pm CST12 pm AZ11 am PST7 pm UK6 am AEDT (Monday)Everyone is welcome to join our monthly open/public secular AA meeting.ZOOM ID 864 4074 0033Passcode 121212(CON TRADUCCIÓN SIMULTÁNEA INGLÉSESPAÑOL)For more info on secular AA including Zoom meetings, in-person meetings, and virtual gatherings, check out:- https://aasecular.org- secularAA@gmail.comSecular AA is AA sobriety that is neither religious nor irreligious, focusing on the practical, humanist tools of Alcoholics Anonymous and borrowed from the wider recovery community. Secular AA is a growing subculture within AA, offering 100 agnostic/atheist/freethinkers AA meetings every day + regional events and the International Conference of Secular AA (ICSAA). More @ https://aasecular.org

February 2026: Secular AA's monthly world-tour of speaker meetings is hosted by the Freethinkers Tús Nua from Ireland. Our speakers this month are:David DVictoria RHoward W..with Jan W as emcee.Following these talks is sharing from around our agnostic/atheist/freethinkers AA world. This is an open and welcoming meeting inviting others to share their thoughts about the speakers' shares and should be interesting for anyone, newcomer and long-timer alike (or just curious).Next month's Secular AA Global Speaker Tour will be featuring the "Reason and Recovery" on Sunday, March 1st with simultaneous translation to Español at:2 pm EST1 pm CST12 pm AZ11 am PST7 pm UK6 am AEDT (Monday)Everyone is welcome to join our monthly open/public secular AA meeting.ZOOM ID 864 4074 0033Passcode 121212(CON TRADUCCIÓN SIMULTÁNEA INGLÉSESPAÑOL)For more info on secular AA including Zoom meetings, in-person meetings, and virtual gatherings, check out:- https://aasecular.org- secularAA@gmail.comSecular AA is AA sobriety that is neither religious nor irreligious, focusing on the practical, humanist tools of Alcoholics Anonymous and borrowed from the wider recovery community. Secular AA is a growing subculture within AA, offering 100 agnostic/atheist/freethinkers AA meetings every day + regional events and the International Conference of Secular AA (ICSAA). More @ https://aasecular.org

Labhraíonn Caoimhe Nic Giollarnáith le Cuán faoina saothar agus an obair atá idir lámha aici i Nua Eabhrac, agus chloisimid faoin bhféile Fís Nua agus pobal na nGael i Nua Eabhrac.

How do you really know if you're ready to retire—before you turn in your notice? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray break down the six key checkpoints they use to help families move from guesswork to clarity, including the two questions that matter most: How much can you safely draw each month? How do you protect that income when markets change? You'll learn how Decker Retirement Planning approaches retirement with a math-based distribution plan that coordinates income sources (Social Security, pensions, rental income, and portfolio withdrawals), prioritizes tax efficiency, and helps reduce the risks that can derail retirement—especially in volatile markets. In this episode, we cover: The 6 key points of a retirement plan: plan, tax minimization, risk reduction, portfolio optimization, income optimization, and fee minimization Why a pie-chart portfolio isn't a retirement plan (and what a real distribution plan should show) Income needs assessment: how to calculate your retirement “gap” and plan withdrawals over time Planning for healthcare before and after Medicare, plus long-term care considerations What a retirement stress test is, and why it helps “future-proof” your plan A fast rundown of advanced tax strategies discussed on the show (e.g., donor-advised funds, CRTs, NUA, ILITs, dynasty trusts, cost segregation, GRATs), and when they may apply If you're within 5–10 years of retirement (or already retired), this episode will help you pressure-test your assumptions and understand what it takes to retire with more confidence and fewer surprises. Learn more: DeckerRetirementPlanning.com Schedule a visit / ask a question: 833-707-3030

This episode takes a deep dive into Net Unrealized Appreciation (NUA), a little-known tax strategy that could significantly reduce taxes on company stock held inside a 401(k). John and Nick explain how NUA works, who it's best suited for, and the key rules and timing considerations that can make or break the strategy. If you've accumulated employer stock and want to be more tax-efficient heading into retirement, this conversation will help you decide whether NUA deserves a closer look.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.  

Chris's SummaryJim and I continue last week's EDU discussion on Roth IRA mistakes from an Investopedia article. We cover direct versus 60-day rollovers, the one-per-365-day IRA-to-IRA limit, and the 401(k) 20% withholding rule with the RMD and NUA exceptions. We revisit backdoor Roth mechanics and the pro rata rule, then shift to beneficiary designation forms and why naming an estate creates probate and creditor issues. We close with inherited Roth withdrawal timing under SECURE Act rules and the 10-year window. Jim's “Pithy” SummaryChris and I pick up where last week's EDU episode left off, using the Investopedia Roth mistakes article as a launching point to correct what they compress or misstate. The rollover section is where people get hurt, because they describe the old IRA rule like it was “once per calendar year,” and it wasn't. It's a 365-day framework, and the one-per-365-day limit still matters when you do the “show me the money” version of a rollover. I also keep pushing back on indirect rollovers from a 401(k), because the 20% withholding isn't optional. There are narrow exceptions—but those aren't general flexibility, they're specific rules people routinely misunderstand. The other item that's far more important than its position on the list is beneficiary designation forms. These accounts pass by beneficiary form first, not your will, which can create probate delays, attorney fees, and creditor complications for the people left to sort it out. Chris adds the practical version of the same mistake: circumstances change, paperwork doesn't. Old beneficiaries stay on file, and the form controls the outcome even when it creates an awkward situation. We also get into inherited Roth timing under the SECURE framework—who qualifies as an eligible designated beneficiary, what the 10-year window actually requires, and why Roths don't fit the required beginning date logic the way traditional accounts do. That difference matters when you're thinking about flexibility for heirs and how long the account can sit untouched. If the real goal is the zero in the 2-1-0 Tax Ordering Number, the logic behind leaving a Roth can look very different than what you'd conclude from a short listicle about Roth IRA mistakes. Show Notes: Article – 11 Mistakes to Avoid With Your Roth IRA The post Roth IRA Mistakes, Part 2: EDU #2602 appeared first on The Retirement and IRA Show.

January 2026: Secular AA's monthly world-tour of speaker meetings is hosted by the Broader Path AA Group from Kingston, Ontario. Our speakers this month are:Brian AichDonna PJarrod P..with Don Mc as emcee.Following these talks is sharing from around our agnostic/atheist/freethinkers AA world. This is an open and welcoming meeting inviting others to share their thoughts about the speakers' shares and should be interesting for anyone, newcomer and long-timer alike (or just curious).Next month's Secular AA Global Speaker Tour will be featuring the "Freethinkers Tús Nua" from Ireland on Sunday, February 1st with simultaneous translation to Español at:2 pm EST1 pm CST12 pm AZ11 am PST7 pm UK6 am AEDT (Monday)Everyone is welcome to join our monthly open/public secular AA meeting.ZOOM ID 864 4074 0033Passcode 121212(CON TRADUCCIÓN SIMULTÁNEA INGLÉSESPAÑOL)For more info on secular AA including Zoom meetings, in-person meetings, and virtual gatherings, check out:- https://aasecular.org- secularAA@gmail.comSecular AA is AA sobriety that is neither religious nor irreligious, focusing on the practical, humanist tools of Alcoholics Anonymous and borrowed from the wider recovery community. Secular AA is a growing subculture within AA, offering 100 agnostic/atheist/freethinkers AA meetings every day + regional events and the International Conference of Secular AA (ICSAA). More @ https://aasecular.org

Traducción EspañolaJanuary 2026: Secular AA's monthly world-tour of speaker meetings is hosted by the Broader Path AA Group from Kingston, Ontario. Our speakers this month are:Brian AichDonna PJarrod P..with Don Mc as emcee.Following these talks is sharing from around our agnostic/atheist/freethinkers AA world. This is an open and welcoming meeting inviting others to share their thoughts about the speakers' shares and should be interesting for anyone, newcomer and long-timer alike (or just curious).Next month's Secular AA Global Speaker Tour will be featuring the "Freethinkers Tús Nua" from Ireland on Sunday, February 1st with simultaneous translation to Español at:2 pm EST1 pm CST12 pm AZ11 am PST7 pm UK6 am AEDT (Monday)Everyone is welcome to join our monthly open/public secular AA meeting.ZOOM ID 864 4074 0033Passcode 121212(CON TRADUCCIÓN SIMULTÁNEA INGLÉSESPAÑOL)For more info on secular AA including Zoom meetings, in-person meetings, and virtual gatherings, check out:- https://aasecular.org- secularAA@gmail.comSecular AA is AA sobriety that is neither religious nor irreligious, focusing on the practical, humanist tools of Alcoholics Anonymous and borrowed from the wider recovery community. Secular AA is a growing subculture within AA, offering 100 agnostic/atheist/freethinkers AA meetings every day + regional events and the International Conference of Secular AA (ICSAA). More @ https://aasecular.org

Lance Roberts & Danny Ratliff review the growth outlook for the AI sector, the power-cost assumptions built into datacenter models, the economic effects of the “One Big Beautiful Bill,” and the $125 billion in tariff revenue collected this year—along with what tariffs really contribute to inflation. Additional topics include how to read 2x–3x standard deviations using Bollinger Band concepts, which data streams matter most (and where to find them), the link between inflation and economic growth, and practical insights on silver, ETF buy-and-hold strategies, NUA planning, valuation challenges when stocks trade at 25x earnings, and the realities of the “dollar debasement” narrative. As always, we approach these discussions pragmatically: no magic bullets, and market cycles end when they end. Use the chapter markers below to jump to any topic. 0:00 - INTRO 0:18 - Fed Day Anticipation 4:28 - More Market Volatility Possible Following Fed Meeting 9:14 - Getting ready for Santa 10:02 - Has the Fed given up on their inflation mandate? 13:31 - What's the impact on Long bonds? 15:35 - What is the outlook for AI sector growth? 18:30 -Do Datacenter owners use models assuming power subsidization? 19:06 - What is the impact on the economy from the One Big Beautiful Bill? 22:45 - How much in tariffs have been collected this year? $125-B 25:23 - Explain 2x, 3x standard deviations from average (Bollinger Band articles) 28:43 - What data to watch (and where can you find it)? 31:15 - Inflation: true impact of tariffs? True sources of Inflation: No inflation, no economic growth 35:37 - Silver: Advisors' Kryptonite? (Don't forget to take profits.) 39:29 - Is buy-and-hold with ETF's a good passive investing policy? 43:56 - Does it worry you that the treasury refi uses all T-bills? 45:18 - Is Dollar Debasement real? No--it's a narrative. 46:09 - Using NUA Tax Strategies 46:55 - Buying stocks at 25x 48-48 - Treasury Yields supply & demand dynamics 49:44 - Buying stocks at multiples and valuations 51:10 - Measuring risk in portfolio (60/40 allocation) 53:33 - Our pragmatism 54:36 - No magic bullet - bubbles pop when they pop (Chart: running trend line) 58:05 - Coming Attractions Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://bit.ly/3KQlkIK ------- The latest installment of our new feature, Before the Bell, "Market Pause Before the Fed: Time to Trim Risk?," is here: https://youtu.be/watJ1Jqsf-4 ------- Articles Mentioned in Today's Show: "Bullish Case Or Bearish Backdrop" https://realinvestmentadvice.com/resources/blog/bullish-case-or-bearish-backdrop/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Dealing with Debt & Smart Money Moves" here: https://www.youtube.com/watch?https://www.youtube.com/watch?v=1iPM7ef0BKg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #FedDecision #MarketVolatility #TechnicalAnalysis #BitcoinUpdate #MarketOutlook #BitcoinUpdate #FedMeeting #YearEndRally #InvestingQandA

It's Fed Day, and today's Live Q&A covers what investors should expect as markets position around the announcement, why volatility may pick up afterward, and how this week's action shapes the potential for a Santa Claus Rally. We also discuss whether the Fed has stepped back from its inflation mandate, what that means for long bonds, and how Treasury supply-and-demand dynamics factor into portfolio risk. Lance Roberts & Danny Ratliff review the growth outlook for the AI sector, the power-cost assumptions built into datacenter models, the economic effects of the "One Big Beautiful Bill," and the $125 billion in tariff revenue collected this year—along with what tariffs really contribute to inflation. Additional topics include how to read 2x–3x standard deviations using Bollinger Band concepts, which data streams matter most (and where to find them), the link between inflation and economic growth, and practical insights on silver, ETF buy-and-hold strategies, NUA planning, valuation challenges when stocks trade at 25x earnings, and the realities of the "dollar debasement" narrative. As always, we approach these discussions pragmatically: no magic bullets, and market cycles end when they end. Use the chapter markers below to jump to any topic. 0:00 - INTRO 0:18 - Fed Day Anticipation 4:28 - More Market Volatility Possible Following Fed Meeting 9:14 - Getting ready for Santa 10:02 - Has the Fed given up on their inflation mandate? 13:31 - What's the impact on Long bonds? 15:35 - What is the outlook for AI sector growth? 18:30 -Do Datacenter owners use models assuming power subsidization? 19:06 - What is the impact on the economy from the One Big Beautiful Bill? 22:45 - How much in tariffs have been collected this year? $125-B 25:23 - Explain 2x, 3x standard deviations from average (Bollinger Band articles) 28:43 - What data to watch (and where can you find it)? 31:15 - Inflation: true impact of tariffs? True sources of Inflation: No inflation, no economic growth 35:37 - Silver: Advisors' Kryptonite? (Don't forget to take profits.) 39:29 - Is buy-and-hold with ETF's a good passive investing policy? 43:56 - Does it worry you that the treasury refi uses all T-bills? 45:18 - Is Dollar Debasement real? No--it's a narrative. 46:09 - Using NUA Tax Strategies 46:55 - Buying stocks at 25x 48-48 - Treasury Yields supply & demand dynamics 49:44 - Buying stocks at multiples and valuations 51:10 - Measuring risk in portfolio (60/40 allocation) 53:33 - Our pragmatism 54:36 - No magic bullet - bubbles pop when they pop (Chart: running trend line) 58:05 - Coming Attractions Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=4v363w8PFNw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Market Pause Before the Fed: Time to Trim Risk?," is here: https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Articles Mentioned in Today's Show: "Bullish Case Or Bearish Backdrop" https://realinvestmentadvice.com/resources/blog/bullish-case-or-bearish-backdrop/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Dealing with Debt & Smart Money Moves" here: https://www.youtube.com/watch?https://www.youtube.com/watch?v=1iPM7ef0BKg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #FedDecision #MarketVolatility #TechnicalAnalysis #BitcoinUpdate #MarketOutlook #BitcoinUpdate #FedMeeting #YearEndRally #InvestingQandA

Marta Powers is the owner of MartaPOW LLC, a custom workroom in Richmond, Virginia, offering upholstery and soft goods services nationally To The Trade.  Her past career as a project manager for architecture and design firms has informed her business processes and broadened her network of professionals across the hospitality and interior design sectors.  Marta's early training in tailoring, pattern drafting, clothing design, and fabrication skills led to her creation of a business serving designers, helping them to achieve their and their clients' vision.     A co-owner of Upholstery Education LLC, Marta and her partners bring educators from the UK and France to the U.S., offering courses in traditional upholstery methods, materials, and related interior furnishing trades.     Marta has served on the boards of the National Upholstery Association and the Virginia chapter of the American Society of Interior Designers (as an Industry Partner).  She is also a member of IFDA Richmond, the SeatWeavers Guild, and the NUA's Education Committee.   Instagram @Martapowva   LInks and Resources;   You Are A Badass by Jen Sincero Profit First by Mike Michalowicz  

In this episode of the Retirement Made Easy podcast, I delve into 401(k)s: how they work, why they matter, and how to maximize their benefits. I break down the basics in simple terms, just like I always aim to do, because retirement planning shouldn't be confusing. I discuss the differences between good and not-so-great 401(k) plans, the pros and cons of keeping your money in a 401(k) versus rolling it into an IRA, and how changes in providers can impact your investment options. I also share a helpful government site for tracking down old retirement accounts and explain why Roth conversions might be worth considering. My goal is to help you take control of your financial future with clarity and confidence. You will want to hear this episode if you are interested in.... (00:00) Intro. (00:27) Overview of 401(k) Plans. (01:40) Resources and Services Offered. (02:48) Deep Dive into 401(k) Plans. (05:13) 401(k) Rollovers and Conversions. (10:53) Employer Contributions and Vesting. (19:52) 401(k) Loans and Company Stock. (22:58) Mega Backdoor Roth and Final Tips. Smart 401(k) Moves: What to Know About Matching, Vesting, and Rollovers I will explain how Roth conversions can be done while you're still working or after retirement, depending on your 401(k) plan's rules. Not all plans allow them, and some require a hefty 20% tax withholding, which could be a drawback. I also break down how employer matching works (some companies offer generous matches, others offer none, and vesting schedules determine how much of that match you actually get to keep). I stress the importance of checking your vesting status before leaving a job. Then I dive into profit-sharing, which can be even more valuable than matching, but it's never guaranteed. I clarify a common misconception: rolling over funds from an old 401(k) or IRA into your current 401(k) won't earn you a match. Finally, I talk about the pros and cons of rolling old 401(k)s into either your current plan or a rollover IRA. Personally, I favor rollover IRAs for their flexibility, investment freedom, and ease of Roth conversions. Unlocking 401(k) Opportunities and Avoiding Pitfalls I caution listeners about 401(k) loans. If you retire or get laid off, that loan must be repaid quickly, or it becomes taxable. Once you leave your employer, you can't take out new loans from your 401(k) or IRA. I also touch on company stock in your 401(k); if you have a large concentration, talk to your financial planner about a tax strategy called net unrealized appreciation (NUA), which could work in your favor. Additionally, I introduce the "mega backdoor Roth," another beneficial strategy that allows high earners to contribute beyond the standard limits if their plan permits it (up to $70,000 annually). Not all plans allow this, but it's worth asking.  I also share my frustration that there's no standardized way to compare 401(k) plans across companies. The best thing you can do is request your plan summary document and review it with a fiduciary advisor. Lastly, I offer a tip: some employers let you use unused vacation or PTO payouts as 401(k) contributions, which could help reduce your tax bill. It's a smart move to look into before you retire. Resources & People Mentioned 3 Steps to Retirement Planning FIVE 401(k) Secrets You Must Know Retirement Savings Lost and Found Database | Employee Benefits Security Administration Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

Mandy Szigethy discovered upholstery while completing her Theater Technology degree at Indiana University and decided to forsake the stage in favor of the workshop.  She has had the unique opportunity to work in both furniture manufacturing at Beachley Furniture and now custom upholstery as the owner of Rose City Upholstery in Portland.  She has received training in both modern materials and traditional methods through Upholstery Education and is now able to apply time tested techniques to all of her projects.  Her love of learning lead to her to co-ownership of Upholstery Education in 2025 where she hopes to foster the same enthusiasm in others.   Her passion for revitalizing and repurposing home furnishings has led to an in depth--if unintentional--study of older and newer furniture, and the potential of any antique store or curbside find.   Marta Powers is the owner of MartaPOW LLC, a custom workroom in Richmond, Virginia, offering upholstery and soft goods services nationally To The Trade.  Her past career as a project manager for architecture and design firms has informed her business processes and broadened her network of professionals across the hospitality and interior design sectors.  Marta's early training in tailoring, pattern drafting, clothing design, and fabrication skills led to her creation of a business serving designers, helping them to achieve their and their clients' vision.     A co-owner of Upholstery Education LLC, Marta and her partners bring educators from the UK and France to the U.S., offering courses in traditional upholstery methods, materials, and related interior furnishing trades.     Marta has served on the boards of the National Upholstery Association and the Virginia chapter of the American Society of Interior Designers (as an Industry Partner).  She is also a member of IFDA Richmond, the SeatWeavers Guild, and the NUA's Education Committee. Justin Dazey is the owner of Foxglove Artisan and Castillo's Custom Upholstery on Queen Anne Hill in Seattle, Washington. Justin has a BA in Interior Design and over 30 years of experience in the antiques, interiors, and furniture world. In 2014, Justin took up sweeping floors in the shop of a third-generation Upholstery family. He brought his design skills and furniture history knowledge to the role of Studio Manager, eventually becoming their lead upholsterer. In 2024, Justin took up the mantle as his mentor retired, becoming the owner, designer, and upholsterer of the Seattle Studio. Most recently, Justin partnered with Marta Powers and Mandy Szigethy to acquire Upholstery Education, offering the very best in traditional upholstery training available in the United States. Justin is a collector at heart. He collects history, chairs, and curiosities. He firmly believes every piece has a story to tell and loves bringing old items back to life through patient and accurate restoration. Sharing his insights and seeking education to honor the traditions of craft and furniture is one of his true passions.      Links and Resources; Upholstery Edcuation  

Latest up from Spoken Label, features making her return is the wonderful Julia Webb.Julia advises "I was born in London but grew up on a council estate in Thetford, a small town in rural Norfolk surrounded by pine forest. Thetford is known for being the home of The Iceni tribe, the birthplace of Thomas Paine, the place where they filmed a lot of Dad's Army and (in the 1960s) as a London Overspill town.My ambitions to be a writer started when I was six-years-old and read The Enchanted Wood by Enid Blyton. I can trace my interest in magical realism, surrealism and love of language right back to the things read as a child - Dr Seuss, Enid Blyton, A.A. Milne, Tolkien and fairytales. However I left school (and home) at 16 with no qualifications and went to live in a commune. I continued to write short stories and poetry over the years, but with no real writing community I didn't really know how to improve them, and after my son was born I gravitated more towards art and printing while working as a pre-school supervisor. When I was 40 I had an epiphany of sorts and realised that writing was my first love. I quit my job and did a degree in creative writing at Norwich School of Art and Design (now known as NUA). After that I went on to do an MA in poetry at the University of East Anglia."Her website is: https://juliawebb.org/Her new book - Grey time can be found at all of the usual places including - https://ninearchespress.com/publications/poetry-collections/grey-time

On this week's Money Matters, Scott and Pat dive into market shifts—tariffs, AI-driven productivity, and surprising earnings—and explain why chasing predictions fails while fundamentals like tax-efficient investing deliver results. Next, a caller shares his career-change dilemma: should he leave a higher-paying job for a teaching role with a pension? Scott and Pat weigh in on how retirement savings, insurance coverage, and college funding fit into the bigger picture. Later, another caller with a $9 million stock portfolio reveals his struggle with taxes from heavy dividend income. This leads to a deep dive into tax-efficient investing, where Scott, Pat, and Allworth's Head of Wealth Planning, Victoria Bogner, break down strategies like gifting stock, using net unrealized appreciation (NUA), and leveraging direct indexing for smarter portfolio management. The episode closes with actionable insights to help you apply tax-efficient investing in your own financial plan—so you can keep more of what you've worked hard to build. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Curious how to manage your 401(k), Social Security, and retirement withdrawals in today's market? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase break down practical strategies for navigating retirement planning, taxes, and investment decisions so you can make informed choices for your financial future. • Examine why a strong stock market may not reflect the real economy and what seems to be influencing current market movements. • Break down company stock in 401(k)s and explore how net unrealized appreciation (NUA) can affect tax planning. • Explore listener examples of balancing Social Security benefits and retirement account withdrawals to create a thoughtful income plan. • Review early retirement rules, including 457 plans, 72(t) distributions, and the rule of 55, and how they often impact access to funds. • Analyze estate planning mistakes, even among high-profile cases, to understand potential pitfalls and planning considerations. • Compare brokerage accounts, investment research tools, and target-date funds to evaluate what may fit your individual situation. • Evaluate the trade-offs between mortgage payoff strategies and staying invested when interest rates fluctuate. • Clarify how Roth 401(k) and IRA withdrawal rules differ before age 59 ½ and what that could mean for accessing retirement funds. Gain actionable insights and considerations to help make informed retirement planning decisions. Listen now and subscribe to the Retire Sooner Podcast to stay updated on the key factors shaping today's financial planning and retirement strategies. Learn more about your ad choices. Visit megaphone.fm/adchoices

Claire de Mézerville López is joined by co-host, IIRP Associate Professor, Dr. Fernanda Fonseca Rosenblatt, for the “Powerful Intersection Between Restorative Justice and Art” podcast series, a special initiative by the IIRP together with the European Forum for Restorative Justice (EFRJ). Art has the unique ability to connect and facilitate dialogue, making it a powerful tool in restorative justice practices. Throughout the series, we will examine how artists from different disciplines and cultural backgrounds use their creative expression to foster communication, build empathy, and potentially repair harm. Each episode will highlight a different aspect of this intersection, featuring conversations with artists who have contributed to restorative justice processes through various art forms — be it visual arts, music, theatre, film, and dance. Geoff Power joins us to share his compelling journey integrating restorative justice into his creative works. From producing documentaries highlighting societal issues to crafting impactful plays like Stronger, Geoff's artistry explores complex themes of community, relationships, and personal transformation. Geoff reflects on his experience teaching creative writing at Midlands Prison, offering a unique perspective on how art can empower individuals within the justice system. His plays poignantly portray the human side of restorative justice, inspired by real-life stories of resilience and healing. Geoff is a playwright, documentary producer, print journalist, and sports reporter, with creativity having always been at the heart of his work. Based in Dublin, Geoff also works in Portlaoise prison, one of Ireland's maximum-security prisons, as a creative writing teacher.  This work has helped to steer Geoff's documentary work with Midas Productions, as well as to inspire the writing of Stronger for Gúna Nua's production in the Dublin Theatre Festival and featured in the EFRJ's 2020 REstART Festival. Across a range of creative mediums including film, tv, theatre and literature, Geoff's skills as a creator and producer reveal consistent themes of social justice and inequality often expressed through the voices of the marginalized in society.   Tune in as we uncover the profound impact of storytelling in advocating for restorative practices globally.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss a powerful and often overlooked tax strategy: Net Unrealized Appreciation (NUA). Joined by their in-house tax and financial strategist Taylor Wolverton, they break down NUA explained in a simple and clear way, helping you understand how company stock inside your 401(k) could lead to significant tax savings in retirement. Whether you're currently working and approaching an in-service rollover 401k, or planning your 401k distribution strategy post-retirement, this episode provides critical insight for your financial decision-making.Listen in to learn about how to leverage Net Unrealized Appreciation 401K rules to potentially pay lower capital gains tax instead of higher ordinary income tax, depending on how your 401(k)-company stock is handled. Radon, Murs, and Taylor walk through real-life examples of 401k retirement scenarios, helping you understand how the NUA strategy compares to traditional retirement account rollover plans such as moving funds into an IRA. If you've ever wondered about the tax difference between an IRA vs brokerage account, this episode helps you clarify your options.In this episode, find out:· What Net Unrealized Appreciation (NUA) is and how it works.· Who qualifies for the NUA tax strategy and how to evaluate eligibility.· The tax differences between Capital gains vs ordinary income on company stock.· When to consider splitting assets between an IRA and brokerage account.· How NUA impacts your broader retirement tax strategy and required minimum distributions.Tweetable Quotes:“NUA lets you convert high-tax ordinary income into lower-tax capital gains—if you qualify, it could be a game changer.” – Radon Stancil“Understanding your cost basis and when to use Net Unrealized Appreciation is key to smart 401(k) distribution planning.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit: POMWealth.net/podcast

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

¡Quinto especial del Tour de Francia 2025! ️ ¡Podcast DIARIO de CADA ETAPA, solo en nuestro canal de PATREON! ➡ https://acortar.link/aJ2wdc No te olvides de darle LIKE y comentar Dirección llevada a cabo por Juan Clavijo. Comentarios de Miguel Triviño. ¡Prueba NUA Coach, tu entrenador personal diseñado con IA, durante 30 días SIN COMPROMISO! Hazte con él con un 25% de DESCUENTO PERMANENTE con el código 'ELMAILLOT' ➡️ NUA en Whatsapp gratis: https://bit.ly/elmaillot_entrenaconnua ➡️ NUA en Telegram gratis: https://t.me/nua_coach_bot ¡10% DE DESCUENTO EN TODA LA TIENDA DE SIROKO!: https://srko.co/elmaillot ¡CONOCE HSN Y HAZTE CON SUS PRODUCTOS CON NUESTRA URL!: https://www.hsnstore.com/hsnaffiliate/click/?linkid=b3RoZXJsaW5rfHxodHRwczovL3d3dy5oc25zdG9yZS5jb20vfHxFTE1BSUxMT1R8fGh0dHBzOi8vd3d3LmhzbnN0b3JlLmNvbS8= Te presentamos a la Manufacturera GES, protagonista en nuestra sección "El Ciclista GES de la Semana": https://www.manufacturasges.com/es ✔ ANÚNCIATE EN ESTE PODCAST: https://advoices.com/el-maillot NUESTRA WEB: https://elmaillot.es/ GRUPO DE TELEGRAM DE EL MAILLOT: https://t.me/elmaillot LISTA SPOTIFY 'El Maillot Music': https://bit.ly/elmaillot SELECCIÓN MUSICAL: Tour de France - 'Official Podium Anthem' Tour de France - 'Official Song' SÍGUENOS EN: IVOOX ️ https://www.ivoox.com/podcast-maillot_sq_f1409103_1.html TWITTER ️ https://twitter.com/ElMaillot_ INSTAGRAM https://www.instagram.com/elmaillot/ TIK TOK https://www.tiktok.com/@elmaillot TWITCH https://www.twitch.tv/elmaillot DISCORD ️ https://discord.gg/x3AqMV4b STRAVA ‍♂️ https://www.strava.com/clubs/el-maillot-772962 SPOTIFY https://open.spotify.com/show/7bPcjjM5UmlSy3oFxYlzhe APPLE PODCASTS https://podcasts.apple.com/es/podcast/el-maillot/id1252256876

Net Unrealized Appreciation: If you own company stock in your 401(k), this episode could potentially save you thousands in taxes. Jeremiah and Nic uncover the little-known but incredibly powerful NUA tax strategy. Through a real-world client example, you'll learn how someone turned a $16,000 stock cost basis into a $98,000 gain—and avoided paying ordinary income tax on the entire amount. But this isn't just a story of smart tax planning—it's a roadmap for anyone nearing retirement with company stock in their 401(k). From tracking your cost basis to understanding when NUA makes sense (and when it doesn't), the guys give you the knowledge you need to ask the right questions and avoid costly mistakes.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

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

In this episode, Dr. Preston Cherry breaks down how Gen X professionals can use a smart tax strategy called Net Unrealized Appreciation (NUA) to turn company stock in their 401(k)s into tax-efficient income. He explains how the right moves can help you retire earlier and keep more of your money—and how one wrong step can cost you big.Takeaways:• Company stock matters• NUA lowers taxes• Don't rush to IRA• Act with a plan• Mistakes are costlyWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Big Al Clopine, CPA  think of her substantially equal periodic payment plan? And how should she allocate it? Michael in Virginia isn't interested in any international investments and is instead invested in stocks like Google, Amazon, Microsoft, Meta, and Berkshire. What adjustments would the fellas make to his portfolio for long term growth? That's today on Your Money, Your Wealth® podcast 533. Plus, our friend Will, who is not a gas siphoner, wants Joe and Big Al's opinion on "backdoor Rothing" his solo 401(k) instead of having an emergency fund, and on what he should do with his annuity. Also, the fellas explain ESOP and NUA - that is, employee stock ownership plans and net unrealized appreciation - for Tess and Finn in Texas. Free financial resources & episode transcript: https://bit.ly/ymyw-533 WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV CALCULATE your free Financial Blueprint SCHEDULE your Free Financial Assessment The origins of Will the Gas Siphoner (audio only) ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:05 - How Do I Maximize My 72(t) Early Retirement Withdrawals? (Rowan, GA - voice) 10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your free Financial Blueprint 11:23 - I'm Not Interested in International Investments. Does My Asset Allocation of Tech Stocks Make Long-Term Sense? (Michael, VA) 14:18 - Should I Backdoor Roth My Solo 401(k) Income Instead of Having an Emergency Fund? What Should I Do With My Annuity? (Will the Gas Siphoner) 24:44 - Schedule a Free Financial Assessment With Pure Financial Advisors 25:53 - ESOP and NUA Explained (Tess & Finn, TX) 31:53 - Tribute to Betsey Clopine, 1933 - 2025 33:17 - YMYW Podcast Outro

http//:www.copperplatemailorder.com Copperplate Podcast 306 presented by Alan O'Leary June 2025 www.copperplatemailorder.com 1.Gerry Diver: The Bath Set. Diversions 2. Mick O'Brien: The Cameronion/Green Fields of Rossbeigh/Corney is Coming. May Morning Dew3. Sorcha Costello: John Naughton's Jig/Ryan's Rant. The Primrose Lass 4. Gatehouse: The Bullock on the Bonnet/The Leitrim Thrush/Murray's no1. Tús Nua 5. Eilis Kennedy: A Sailor's Trade Tree. So Ends This Day6. Mick Mulvey & Shane Meehan: Sword in Hand/Wheels of the World/Mullin's Fancy. The Missing Guest 7. Des Donnelly: The Orange Rogue. Remember Des Donnelly 8. Dezi Donnelly: Fisherman's Island/Lads of Laoise. Familiar Footsteps 9. Mike McGoldrick & John Carty: Stepping Stones/Mc Shane's Rambles. At Our Leisure10. Donal Clancy: Reynardine. On The Lonesome Plain 11. John McEvoy & John Wynne: Ask My Father/Boys of Sligo/Eddie Maloney's Favourite. The Dancer at the Fair 12. Eleanor Shanley/Garadice: Jock of Hazeldene. Sanctuary 13. Caoimhin O'Fearghall: Johnny Cope. Uillean Piping from Co Waterford 14. Mick Mulvey & Shane Meehan: Lough Key/Fire Away ya Devil/Whinny Hills of Leitrim. The Missing Guest15. PJ & Marcus Hernon: Within A mile of Dublin/Ships Are Sailing/Atlantic Wave/The Jolly Tinker/The Morning Star. Celebrating 50 Years

http//:www.copperplatemailorder.com Copperplate Podcast 306 presented by Alan O'Leary June 2025 www.copperplatemailorder.com 1.Gerry Diver: The Bath Set. Diversions 2. Mick O'Brien: The Cameronion/Green Fields of Rossbeigh/Corney is Coming. May Morning Dew3. Sorcha Costello: John Naughton's Jig/Ryan's Rant. The Primrose Lass 4. Gatehouse: The Bullock on the Bonnet/The Leitrim Thrush/Murray's no1. Tús Nua 5. Eilis Kennedy: A Sailor's Trade Tree. So Ends This Day6. Mick Mulvey & Shane Meehan: Sword in Hand/Wheels of the World/Mullin's Fancy. The Missing Guest 7. Des Donnelly: The Orange Rogue. Remember Des Donnelly 8. Dezi Donnelly: Fisherman's Island/Lads of Laoise. Familiar Footsteps 9. Mike McGoldrick & John Carty: Stepping Stones/Mc Shane's Rambles. At Our Leisure10. Donal Clancy: Reynardine. On The Lonesome Plain 11. John McEvoy & John Wynne: Ask My Father/Boys of Sligo/Eddie Maloney's Favourite. The Dancer at the Fair 12. Eleanor Shanley/Garadice: Jock of Hazeldene. Sanctuary 13. Caoimhin O'Fearghall: Johnny Cope. Uillean Piping from Co Waterford 14. Mick Mulvey & Shane Meehan: Lough Key/Fire Away ya Devil/Whinny Hills of Leitrim. The Missing Guest15. PJ & Marcus Hernon: Within A mile of Dublin/Ships Are Sailing/Atlantic Wave/The Jolly Tinker/The Morning Star. Celebrating 50 Years

http//:www.copperplatemailorder.com Copperplate Podcast 306 presented by Alan O'Leary June 2025 www.copperplatemailorder.com 1.Gerry Diver: The Bath Set. Diversions 2. Mick O'Brien: The Cameronion/Green Fields of Rossbeigh/Corney is Coming. May Morning Dew3. Sorcha Costello: John Naughton's Jig/Ryan's Rant. The Primrose Lass 4. Gatehouse: The Bullock on the Bonnet/The Leitrim Thrush/Murray's no1. Tús Nua 5. Eilis Kennedy: A Sailor's Trade Tree. So Ends This Day6. Mick Mulvey & Shane Meehan: Sword in Hand/Wheels of the World/Mullin's Fancy. The Missing Guest 7. Des Donnelly: The Orange Rogue. Remember Des Donnelly 8. Dezi Donnelly: Fisherman's Island/Lads of Laoise. Familiar Footsteps 9. Mike McGoldrick & John Carty: Stepping Stones/Mc Shane's Rambles. At Our Leisure10. Donal Clancy: Reynardine. On The Lonesome Plain 11. John McEvoy & John Wynne: Ask My Father/Boys of Sligo/Eddie Maloney's Favourite. The Dancer at the Fair 12. Eleanor Shanley/Garadice: Jock of Hazeldene. Sanctuary 13. Caoimhin O'Fearghall: Johnny Cope. Uillean Piping from Co Waterford 14. Mick Mulvey & Shane Meehan: Lough Key/Fire Away ya Devil/Whinny Hills of Leitrim. The Missing Guest15. PJ & Marcus Hernon: Within A mile of Dublin/Ships Are Sailing/Atlantic Wave/The Jolly Tinker/The Morning Star. Celebrating 50 Years

http//:www.copperplatemailorder.com          Copperplate Podcast 306                             presented by Alan O'Leary                       June 2025                       www.copperplatemailorder.com 1.Gerry Diver:  The Bath Set.  Diversions 2. Mick O'Brien: The Cameronion/Green Fields of Rossbeigh/Corney is Coming. May Morning Dew3. Sorcha Costello: John Naughton's Jig/Ryan's Rant.             The Primrose Lass 4. Gatehouse: The Bullock on the Bonnet/The Leitrim Thrush/Murray's no1. Tús Nua 5. Eilis Kennedy:   A Sailor's Trade Tree.  So Ends This Day6. Mick Mulvey & Shane Meehan: Sword in Hand/Wheels of the World/Mullin's Fancy. The Missing Guest 7. Des Donnelly:   The Orange Rogue.  Remember Des Donnelly 8. Dezi Donnelly: Fisherman's Island/Lads of Laoise.                 Familiar Footsteps 9. Mike McGoldrick & John Carty:                 Stepping Stones/Mc Shane's Rambles. At Our Leisure10. Donal Clancy:   Reynardine.   On The Lonesome Plain 11. John McEvoy & John Wynne:  Ask My Father/Boys of Sligo/Eddie Maloney's Favourite.  The Dancer at the Fair 12. Eleanor Shanley/Garadice:  Jock of Hazeldene.  Sanctuary 13. Caoimhin O'Fearghall: Johnny Cope.                       Uillean Piping from Co Waterford 14. Mick Mulvey & Shane Meehan:  Lough Key/Fire Away ya Devil/Whinny Hills of Leitrim. The Missing Guest15. PJ & Marcus Hernon:   Within A mile of Dublin/Ships Are Sailing/Atlantic Wave/The Jolly Tinker/The Morning Star.   Celebrating 50 Years

http//:www.copperplatemailorder.com          Copperplate Podcast 306                             presented by Alan O'Leary                       June 2025                       www.copperplatemailorder.com 1.Gerry Diver:  The Bath Set.  Diversions 2. Mick O'Brien: The Cameronion/Green Fields of Rossbeigh/Corney is Coming. May Morning Dew3. Sorcha Costello: John Naughton's Jig/Ryan's Rant.             The Primrose Lass 4. Gatehouse: The Bullock on the Bonnet/The Leitrim Thrush/Murray's no1. Tús Nua 5. Eilis Kennedy:   A Sailor's Trade Tree.  So Ends This Day6. Mick Mulvey & Shane Meehan: Sword in Hand/Wheels of the World/Mullin's Fancy. The Missing Guest 7. Des Donnelly:   The Orange Rogue.  Remember Des Donnelly 8. Dezi Donnelly: Fisherman's Island/Lads of Laoise.                 Familiar Footsteps 9. Mike McGoldrick & John Carty:                 Stepping Stones/Mc Shane's Rambles. At Our Leisure10. Donal Clancy:   Reynardine.   On The Lonesome Plain 11. John McEvoy & John Wynne:  Ask My Father/Boys of Sligo/Eddie Maloney's Favourite.  The Dancer at the Fair 12. Eleanor Shanley/Garadice:  Jock of Hazeldene.  Sanctuary 13. Caoimhin O'Fearghall: Johnny Cope.                       Uillean Piping from Co Waterford 14. Mick Mulvey & Shane Meehan:  Lough Key/Fire Away ya Devil/Whinny Hills of Leitrim. The Missing Guest15. PJ & Marcus Hernon:   Within A mile of Dublin/Ships Are Sailing/Atlantic Wave/The Jolly Tinker/The Morning Star.   Celebrating 50 Years

Over the Memorial Day weekend, Brian Wiley and Alexandra Lundgren unpack the often misunderstood mechanics and risks of 401(k) plans—from overloading on company stock to the overlooked tax strategy known as Net Unrealized Appreciation (NUA). If your retirement plan is tied to your employer's stock, your paycheck, and maybe even a pension, you may be overexposed without realizing it… They walk listeners through how NUA works and when it might be smarter to move company stock out of a 401(k) instead of rolling it all into an IRA. Brian and Alex also dive into loan provisions, early withdrawals, and the in-service distribution option that can open the door to greater investment flexibility—if your plan allows it. They also break down why 401(k) plans are designed the way they are, what employers can customize, and how plan features like automatic enrollment, vesting schedules, and Roth catch-ups impact savers at different stages of life.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Alex Lundgren ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

In this episode, Brian asks some great questions about using Net Unrealized Appreciation (NUA) for company stock inside a 401(k). We dive into the rules, timing, and strategies that could lead to major tax savings—if you do it right. We cover: What exactly is NUA and why it matters Can you use NUA before retirement? Do you need to be age 59½? Can you move the stock out in segments, or does it have to be all at once? Common mistakes that could cost you Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Andy Ives, CFP®, AIF® – Navigating Net Unrealized Appreciation (NUA) Strategies Host Chris Boyd is joined by Andy Ives, CFP®, AIF®, an IRA Analyst at Ed Slott and Company, LLC, to delve into the intricacies of Net Unrealized Appreciation (NUA) and its potential benefits for individuals with employer stock in their retirement plans.​ With over 25 years in the financial services industry, Andy brings a wealth of knowledge on IRA distribution planning and advanced retirement strategies. They discuss: The fundamentals of NUA and how it can lead to tax savings​ Key "triggering events" that activate NUA rules​Ed Slott and Company, LLC+1Ed Slott and Company, LLC+1 Common pitfalls to avoid when handling employer stock​ Strategies to optimize long-term capital gains treatment​ For more insights from Andy and his team, visit Ed Slott and Company.​

I'm a buffoon and I missed including another important pro of doing an employer plan-to-IRA rollover in episode #110's list of pros and cons of rollovers. The additional potential pro is the ability to do Qualified Charitable Distributions ("QCDs") out of the IRA if you're at least 70 1/2 and charitably inclined.So, the recap the full list of pros (including QCDs) and cons of doing an employer plan-to-IRA rollover:Potential PROS of rolling over an employer plan to an IRA or Roth IRA:More investment optionsLikely lower fees and costsAccess to professional adviceBetter control over tax withholdingsMore withdrawal optionsLess Required Minimum Distributions ("RMDs") to manageLess financial clutterGain the ability to do Qualified Charitable Distributions ("QCD")Potential CONS of rolling over an employer plan to an IRA or Roth IRA:May lose the ability to take early distributions without penaltyMay lose the ability to cleanly do backdoor Roth IRA contributionsMay lose the ability to continue to delay RMDs from that plan (if you're still working at that employer)Lose the ability to take loans from the moneyMay lose the ability to take advantage of Net Unrealized Appreciation ("NUA") of company stockMay lose access to a stable value or managed income portfolio investment optionPotentially less creditor protectionLinks in this episode:Tenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

Andy summarizes the pros and cons of rolling over an employer plan (such as a 401(k), 403(b), 401(a), 457 or the federal Thrift Savings Plan) to an IRA or Roth IRA. To sum up:Potential PROS of rolling over an employer plan to an IRA or Roth IRA:More investment optionsLikely lower fees and costsAccess to professional adviceBetter control over tax withholdingsMore withdrawal optionsLess Required Minimum Distributions ("RMDs") to manageLess financial clutterPotential CONS of rolling over an employer plan to an IRA or Roth IRA:May lose the ability to take early distributions without penaltyMay lose the ability to cleanly do backdoor Roth IRA contributionsMay lose the ability to continue to delay RMDs from that plan (if you're still working at that employer)Lose the ability to take loans from the moneyMay lose the ability to take advantage of Net Unrealized Appreciation ("NUA") of company stockMay lose access to a stable value or managed income portfolio investment optionPotentially less creditor protectionLinks in this episode:Summary of the creditor protection of IRAs and Roth IRAs by state - hereTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com