Podcasts about Pension

Today we’re talking to Brian Eason, a Colorado Sun investigative reporter and the assistant editor of our politics and policy team. Last week, the Colorado Sun published a stunning investigation by Brian into huge bonuses worth six figures given to investment managers at Colorado PERA, the largest public pension plan in the state. Read more: https://coloradosun.com/2026/06/08/colorado-pera-staff-bonuses-shrinking-pension-fund-analysis/See omnystudio.com/listener for privacy information.

If your pension is approaching or has passed €2 million, the question is no longer just how to grow it, it's how to generate income without handing a significant portion to Revenue unnecessarily. The Standard Fund Threshold in Ireland rose to €2.2 million in January 2026, and the decisions you make in the next few years will determine how much of that headroom you actually use. In this episode, Paddy covers the income strategies that matter most at the SFT level. If your pension is approaching €1.5 million or more, this episode is for you. • Why timing your Benefit Crystallisation Events can shelter up to €500,000 from Chargeable Excess Tax • How the lump sum offset mechanism reduces your CET exposure — and what the effective SFT really is in 2026 • What the imputed distribution rules mean when your ARF exceeds €2 million • How to manage income through the standard rate tax band efficiently • Why spousal pension planning is one of the most underused strategies at this level  

In mehreren Kantonen wurde der Französisch-Unterrecht in die Oberstufe verschoben. Auch die Berner GLP wollte später starten lassen. Sie zog ihren Vorstoss jedoch zurück, bevor er im Parlament landete. Die Debatte über Nutzen und Qualität des Frühfranzösischs im zweisprachigen Bern geht weiter. Weitere Themen [00:04:43] BS Verwechslungsgefahr im Rathaus mit den Politik Zwillingen Hug Zum Verwechseln ähnlich: Die eineiigen Zwillinge Lukas und Michael Hug betreten gemeinsam die Basler Politbühne. Eine Première im Kantonsparlament. Ihre frappante Ähnlichkeit dürfte im politischen Alltag für manchen Lacher sorgen. Während Michael bereits seit Jahren im Parlament sitzt und ihm gar Ambitionen aufs Regierungsamt nachgesagt werden, wagt Lukas nun seinen ersten Schritt in die Politik. Ob er mit dem erfahrenen Bruder mithalten kann? Die beiden nehmen es gelassen. Erzählen können sie jedenfalls viel, vor allem aus ihrer gemeinsamen Schulzeit, in der sie mit reichlich Schabernack für Verwirrung sorgten. [00:07:20] ZH Petition für die Zürcher Langstrasse als Weltkulturerbe Der Machu Picchu, der Eiffelturm, die Pyramiden von Gizeh und bald vielleicht auch das Zürcher Langstrassen-Quartier. Die berühmteste Partymeile der Schweiz soll UNESCO Weltkulturerbe werden. Die Betreiberin einer bekannten Bar an der Langstrasse sammelt derzeit Unterschriften für eine entsprechende Petition. Diese Idee sorgt für Gesprächsstoff. Was halten die Zürcherinnen und Zürcher davon? [00:09:54] SZ Der «Felsputzer» vom Urnersee geht nach 48 Jahren in Pension Die Axenstrasse entlang des Urnersees ist berüchtigt für Felsstürze und Sperrungen. Seit Jahrzehnten sorgen Spezialisten dafür, dass lose Steine nicht auf die Strasse donnern. Einer von ihnen ist Felix Immoos. Mit 16 begann er als «Felsputzer», hing mit der Brechstange im Felsen und räumte gefährliche Brocken weg. 1992 entdeckte er den Riss am Ölberg, der zu einer spektakulären Sprengung führte. Vor dem Besuch von Queen Elizabeth war er im Spezialeinsatz. Nun geht Immoos nach 48 Jahren in Pension und hat viele Geschichten im Gepäck. [00:12:45] AG Grosse Trauer um die über 80-jährige Friedenslinde 1945 von Schulkindern gepflanzt, stand sie auf dem Aarauer Aussichtspunkt «Lueg is Land» als Symbol für das Ende des Zweiten Weltkriegs. Schon länger war klar, dass es der über 80-jährigen Friedenslinde nicht mehr gut ging. Doch ihr plötzlicher Umsturz im Gewittersturm hat viele überrascht, und die Trauer in Aarau ist gross. Der Stadtförster versteht diese Emotionen. Er lässt den Baum darum noch einige Tage liegen, damit sich die Bevölkerung verabschieden kann. Im Frühling sollen dann aus den Stecklingen neue mini Friedenslinden wachsen.

Episode 646:  Whether you itemize or take the standard deduction, new charitable giving rules could affect your tax bill. Learn what's changing in 2026. Then, discover why having a pension changes retirement planning, but doesn't eliminate it, and explore strategies that can help military and public-sector retirees make the most of the benefits they've earned.

Join Kelley Slaught, owner and CEO of California Wealth Advisors, as she shares insights on retirement income planning, tax strategies, estate planning, and navigating the complexities of retirement finances. Kelley also discusses a proactive approach with inflation during the retirement years. Learn how to avoid common blunders and create a tailored plan for a secure financial future. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

When retirement is around the corner, some of the biggest decisions aren't about when to retire, they're about how income continues if one spouse is gone. Ryan walks through a listener question about pension survivor options and why these decisions often become more emotional and permanent than people expect. A thoughtful retirement income strategy can make these choices much easier to navigate down to road, so start early. Here's what we discuss in this episode:

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

A visit to Germany shows that the cityscape is dominated by seniors. Elderly men and women are everywhere and statistics confirm that Germany is aging like never before. However, this also means that pensions are the most important source of income in many households. Is Australia doing it better? - Ein Besuch in Deutschland zeigt, dass das Stadtbild von Senioren geprägt ist. Die älteren Damen und Herren sind überall und die Statistik bestätigt, dass Deutschland altert wie noch nie. Das bedeutet aber auch, dass die Rente in vielen Haushalten die wichtigste Einkommensquelle ist. Macht Australien es besser?

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterYou're 60, you have a federal pension and $1M saved — so why doesn't it feel like enough? The answer is 5 unmade decisions, not more dollars.If you are within a year or two of leaving federal service with a FERS pension and a healthy TSP balance, this is the time to stop asking "Am I okay?" and start asking "Have I decided?" In this video, Charles and Marcus break down the 5 Decisions Framework federal employees should work through before finalizing retirement: income order, taxes and RMDs, healthcare, investments, and purpose.Whether you are trying to decide when to file for Social Security, how to manage the tax window before RMDs begin at 73, or how FEHB and Medicare Part B fit together, this episode walks through the planning areas many federal employees overlook — including the two decisions that have nothing to do with a spreadsheet.━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/Social Security Delayed Retirement Credits:https://www.ssa.gov/benefits/retirement/planner/delayret.html━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Age 60 With a Federal Pension and $1M — Am I Okay?2:00 Why "Am I Okay?" Is the Wrong Question3:00 Decision 1: Income Order — Pension, Social Security, or TSP First?5:30 Decision 2: Taxes & RMDs — The Age 73 Cliff and Your Tax Window7:30 Decision 3: Healthcare — FEHB + Medicare Part B9:30 The Two Decisions That Aren't About Money10:00 Decision 4: Investments — From Accumulation to Distribution12:00 Decision 5: Purpose — The Tuesday at 10 AM Test14:00 What to Do This Month If Retirement Is Approaching16:30 "Have I Decided?" — The Real Question18:30 How to Get Answers for Your Specific Situation━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.retire at 60 federal employee, federal pension and TSP retirement, FERS retirement at 60, can I retire with 1 million and a pension, TSP withdrawal strategy, when to take Social Security federal employee, RMD age 73, Roth conversion before RMDs, FEHB and Medicare Part B, IRMAA surcharge, sequence of returns risk, retirement income order, federal retirement planning#federalretirement #FERS #retirement #TSP #federalemployees #retirementsavings #governmentemployee #RetireAt60 #FederalPension #CDFinancialSupport the show

In this episode, Monika examines two important developments that shaped the economic conversation over the past week: the Reserve Bank of India's decision to keep the repo rate unchanged at 5.25%, and India's strong FY26 GDP growth of 7.7%, with the fourth quarter growing at 7.8%. She explains how the RBI's inflation-targeting framework and relatively low inflation of 3.1% have given policymakers valuable room to maintain rates despite the inflationary pressures created by the West Asia conflict and elevated crude oil prices. Revisiting the basics of the repo rate and its role in controlling inflation and credit costs, she argues that prudence always appears boring during good times but proves invaluable when crises emerge. The lesson, she says, applies equally to nations and to individuals managing their own money.She then turns to the growth story and why India's economic momentum remains intact despite rising global uncertainties. Looking at broad-based indicators including agriculture, steel, cement and commercial vehicle demand, Monika highlights that FY26 was a remarkably strong year and that India entered the current period of geopolitical turmoil from a position of strength. While the RBI's projection of 6.6% growth for FY27 reflects caution amid higher oil prices and global fragility, she argues that India's growth has merely been “shaved, not sunk.” Had the current conflict not erupted, the country was positioned to exceed 8% growth. She reminds listeners that the government and the RBI still possess several policy tools to support the economy, from attracting foreign capital to deploying monetary and fiscal measures. Her message remains consistent with previous episodes: prepare for a slowdown, but reject the merchants of doom. India may face turbulence, but it is far from crisis.In listener questions, Srinivas asks whether LIC annuity products deserve a place in retirement planning, prompting Monika to examine the broader case for and against annuities, discussing guaranteed lifelong income, simplicity and protection from market volatility, while also highlighting their low returns, inflation risk and tax disadvantages compared with alternatives like debt funds and systematic withdrawals; Bhavesh, an NRI with a carefully constructed 50:50 portfolio, seeks guidance on how to rebalance during market corrections and transition debt allocations as retirement approaches, leading to a detailed discussion on the hierarchy of redeeming maturing fixed deposits, arbitrage funds and debt funds while preserving long-duration gilt investments; and Rachana from Coorg shares her concerns about retiring early with a ₹1.25 crore corpus and no pension, opening up a conversation about longevity risk, healthcare costs, protecting capital, and the importance of continuing to earn for as long as possible in order to strengthen financial independence in later life.Chapters:(00:00 – 00:00) Why India's Growth Story Is Shaved but Not Sunk(00:00 – 00:00) RBI Holds Rates Steady as Inflation Stays Under Control(00:00 – 00:00) The Pros and Cons of Annuities for Retirement Income(00:00 – 00:00) Rebalancing a Portfolio: Which Debt Investments Should Go First?(00:00 – 00:00) Is ₹1.25 Crore Enough to Retire at 45 Without a Pension?https://www.pib.gov.in/PressReleasePage.aspx?PRID=2269286®=48&lang=2https://rbidocs.rbi.org.in/rdocs/PressRelease/PDFs/PR3855508EB4A59FF46F9B57BBA200AA250B8.PDFIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 06/13/26 – HERO’S Talk Radio Read More » The post 06/13/26 – HERO’S Talk Radio appeared first on HERO'S Strategies, Inc..

Jetzt wird's teuer • Marterbauer beschuldigt Vorgängerregierung • Wer zahlt die Krise? • Keine Reformen – Regierung feiert trotzdem ORF vor Entscheidung • Ist die Wahl schon entschieden? • ÖVP: Postenschacher wie immer? • Schaden für Stocker und den ORF? • Klagen nach der Wahl? WM: Trumps Spiele • Kicken zwischen Korruption und Kapitalismus • Muss man die WM boykottieren?

In this episode of Switch Your Money On, Helen Morrissey and Clare Stinton explore the rise of AI, social media and viral money trends shaping how people manage their finances. From ‘no spend weekends' to ‘loud budgeting' and ‘cash stuffing', they unpack what works, what doesn't, and how these ideas can support better money habits. They also highlight the risks of misinformation and scams online, sharing practical tips to stay informed, protect your finances, and make smarter decisions in a digital-first world.This podcast isn't personal advice. If you're unsure what's right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

Do You Really Need Multiple Income Streams to Build Wealth? Social media has convinced people that building wealth requires doing everything at once. Real estate. Stocks. Crypto. Businesses. Private equity. Side hustles. But is that actually true? In this episode of The Budgetdog Breakdown, I answer listener questions about wealth building, pensions, co-signing loans, emergency funds, workplace spending pressure, and the role that education, access, and investing play in long-term financial success. We break down the difference between active income and passive income, why most people overcomplicate wealth building, and how to focus on the strategies that actually move the needle. Episode Timeline and Highlights 00:00 Do you need multiple income streams? 00:40 Active vs passive wealth 02:00 Businesses, education, and access 08:20 Converting income into investments 10:30 Stocks, real estate, and private equity 17:40 Pension retirement planning 19:20 Co-signing loan mistakes 20:55 Workplace spending pressure 25:15 Emergency fund priorities Key Takeaways • Wealth starts with income generation • Education often produces the highest ROI • Access creates opportunities most people never see • Simplicity beats complexity • Confidence drives better financial decisions • Emergency funds protect investments • Passive income creates long-term freedom Quotables "You don't need to do everything. You need to do what fits your life." "The only way to build real wealth is to turn active income into passive income." "Access changes everything." "Confidence creates opportunity." The goal isn't to own every asset class or chase every opportunity. The goal is to build a system that creates freedom, consistency, and long-term wealth.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

St. Gallen verbietet religiöse Symbole für Lehrpersonen in Schulzimmern, zu Besuch im 2026 preisgekrönten Weggiser Garten, Felsputzer Felix Immoos geht in Pension

#PeopleAreRevoltingpeoplearerevolting.com

Das Lager der Primarschule Neudorf (LU) steht ganz im Zeichen von Foodwaste. Die Schülerinnen und Schüler messen jeden Tag, wie viel – oder eher wie wenig – Lebensmittel sie wegwerfen müssen. Das Projekt «Restlos Geniessen» animiert Schulklassen, sich mit der Lebensmittelverschwendung zu befassen. Weiter in der Sendung: · Nach 48 Jahren ist Schluss: Felix Immoos, Felsputzer der Axenstrasse, geht in Pension. · Der Kanton Nidwalden will das Ständemehr bei der Abstimmung über die EU-Verträge fordern. · Der Schweizer und Schwyzer Heimatschutz haben den Ausstand des gesamten Gemeinderats von Arth bei den Diskussionen rund um das Luxram-Gebäude gefordert.

June 9, 2026- New York policymakers on both sides of the aisle got behind budget language that sweetens public sector pensions and comes with an estimated price tag of more than half a billion dollars. We consider why this is a good public policy with Joshua Terry, legislative and political director for CSEA, the state's second largest public sector union.

Summary This is part 3 of our series. What if your quarterly tax bill could become a retirement engine? In this episode, Wade sits down with Rohit Punyani, founder of The Owner's Asset, to unpack the pension strategy most business owners and their advisors overlook. The conversation covers the sequence of financial planning, the psychology of guaranteed income, and how to combine IBC with a defined benefit pension to fund whole life insurance and annuities at wholesale pricing through tax deductions. Ro and Wade also break down who qualifies, what the first conversation looks like, and how a $1.8 million deduction can create an $11 million estate planning shield. The message is clear: structure your capital in the right order, and the numbers take care of themselves. In our previous episodes, we dive in into lots of other topics: In part 1 Wade Borth and Rohit Punyani explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. Check part 1 of this conversation in here In Part 2 of this conversation, Wade and Rohit Punyani go deep on who a cash balance plan actually works for, why older business owners carry the biggest advantage, and how a seasoned whole life policy can transform required minimum distributions from a tax event into a source of non-taxable cash flow. Rohit explains how the IRS has written a secondary retirement system specifically for the business owner who took risk, and how that system can help make up for every year spent building a company instead of a retirement account. If your business has been funding the IRS for years, this episode shows you how to redirect that money. Check part 2 of this conversation in here Key Takeaways Sequence matters more than the total amount of capital. IBC is the foundation, a pension adds whole life and annuities with pre-tax dollars, and markets or real estate come after. Guaranteed income removes the scarcity mindset in retirement. People with income live abundantly; people drawing down assets tend to pull back every time the market dips. If your liquidity does not scale with your wealth and income, your financial plan is fragile. Business owners paying $20,000 to $30,000 or more in quarterly estimated taxes may qualify for a defined benefit pension that turns a tax liability into a retirement asset. Life insurance and estate planning can be layered inside a pension structure, allowing business owners to manufacture significant liquidity at a fraction of the out-of-pocket cost. Links and Resources sagewealthstrategy.com Part 1: Six Figures Off, Seven Figures Built Part 2: Your Business Owes You a Pension  Keywords pension strategy for business owners, defined benefit pension, tax arbitrage, infinite banking concept, IBC, whole life insurance, annuities, guaranteed income retirement, cash value life insurance, Wade Borth, Rohit Punyani, The Owner's Asset, business owner retirement planning, 1099 retirement strategy, self-employed pension, estate planning life insurance, family banking, financial liquidity, cash flow retirement, scarcity mindset retirement Episode Highlights [00:01:45 - 00:02:25] Ro explains why capital structure matters as much as total capital, and how starting a $40,000 annual policy in your forties generates six-figure cash flow by your seventies. [00:03:05 - 00:04:06] Wade and Ro align on the need for a process that wins every time, and Wade introduces the sequence framework: how you pack your bags going up the hill determines how you come back down. [00:05:27 - 00:06:24] The 2016 LIMRA annual report and the 2005 Wall Street Journal article 'Friends, Neighbors, and Annuities' show that people with annuities live longer and carry less financial stress. [00:06:25 - 00:07:10] Wade references Tom Hegna's principle: people with income are happy, people with assets are miserable. A real client story about a market dip derailing a boat purchase brings it to life. [00:10:25 - 00:11:25] Ro shares his epiphany as a former chief investment officer and credits Wade with the principle: if your liquidity does not scale with your wealth, your plan is fragile. [00:13:26 - 00:15:02] Ro walks through who qualifies for a pension, what the first conversation looks like, and why roughly 30 percent of inquiries are not yet in the model's sweet spot. [00:17:28 - 00:18:15] Ro describes how a pension structure enabled estate planning for a 70 and 68-year-old couple: $1.8 million in deductions created an $11 million estate planning shield. [00:18:34 - 00:19:23] Wade and Ro clarify who should reach out: self-employed individuals on 1099, K-1, or W-2 from their own S corp, making quarterly estimated tax payments of $20,000 or more.  

GP Money Matters is a series of special bonus episodes of Talking General Practice sponsored by Wesleyan where we look at key personal finance issues that affect GPs.In this episode GPonline editor Emma Bower talks to Wendy Baillie, a chartered financial planner and the retirement lead for the medical division at Wesleyan, about the complexities of the NHS pension scheme and the specific challenges currently facing GPs.Wendy provides a recap on the McCloud judgment, the high court ruling about unfair changes to public pension schemes, and explains why the resulting administrative backlog is making it difficult for doctors to get the finalised numbers they need to plan their retirement.She discusses the risks of making decisions about retirement without full information on your pension and practical steps GPs can take at different stages of their careers to ensure their pension is in good health.Wendy outlines what you need to consider to ensure you have the retirement you want, particularly if you hope to retire early.This episode was produced by Czarina Deen.Useful linksFind out more about Wesleyan About WesleyanWesleyan Financial Services supports doctors with advice shaped around the realities of the profession.From complex income structures and portfolio careers to the NHS Pension Scheme and retirement options, its Specialist Financial Advisers work closely with doctors every day. Recognised by the NHS as able to give guidance on the NHS Pension Scheme, Wesleyan brings trusted expertise to key financial decisions. Combining financial planning, investment advice and protection, it helps doctors make confident, informed choices.96% of doctors rated their specialist financial adviser as very good or excellent, reflecting a focused service that helps doctors protect their income, grow wealth and plan ahead with confidence.Remember: The value of investments can go down as well as up, and you may get back less than you invest.Wesleyan Financial Services Ltd (Registered in England and Wales No. 1651212) is authorised and regulated by the Financial Conduct Authority. Registered Office: Colmore Circus, Birmingham B4 6AR. Telephone: 0345 351 2352. Calls may be recorded to help us provide, monitor and improve our services to you. Hosted on Acast. See acast.com/privacy for more information.

The biggest bet in the history of money is happening right now, and most people are scrolling right past it.$700 billion. This year alone. On AI. It is the largest building project humanity has ever attempted, bigger than the railroads, bigger than the internet.Here is the part nobody says out loud: the same companies making that bet are quietly handing the risk down toward regular people's retirement accounts. It is almost the exact playbook from the 2008 housing crash. New name, same move.But it is not all warning signs. I also found the most hopeful story I have heard in a while: an 83-year-old man who used AI to rebuild the history of his 1960s military service and hand it down to his grandkids.So is AI a dangerous bubble, or is it just getting started? My honest answer in today's episode: maybe both. Just like the railroads, the early money can get wiped out while the technology still changes the world.Watch: https://youtu.be/mtJQqyRTfxcRead the full breakdown: https://connorwithhonor.com/blog/2026-111-the-ai-paradox-biggest-bet-in-history/Are you in the dangerous bubble camp or the just getting started camp? Tell me below.Youtube Channels:Conner with Honor - real estateHome Muscle - fat torchingFrom first responder to real estate expert, Connor with Honor brings honesty and integrity to your Santa Clarita home buying or selling journey. Subscribe to my YouTube channel for valuable tips, local market trends, and a glimpse into the Santa Clarita lifestyle.Dive into Real Estate with Connor with Honor:Santa Clarita's Trusted Realtor & Fitness EnthusiastReal Estate:Buying or selling in Santa Clarita? Connor with Honor, your local expert with over 2 decades of experience, guides you seamlessly through the process. Subscribe to his YouTube channel for insider market updates, expert advice, and a peek into the vibrant Santa Clarita lifestyle.Fitness:Ready to unlock your fitness potential? Join Connor's YouTube journey for inspiring workouts, healthy recipes, and motivational tips. Remember, a strong body fuels a strong mind and a successful life!Podcast:Dig deeper with Connor's podcast! Hear insightful interviews with industry experts, inspiring success stories, and targeted real estate advice specific to Santa Clarita.

October 1975, the partial remains of a 73-year-old Tucson man named William Reginald Sipfle were found in a landfill near Ryan Airfield, with no identification, no missing person report, and no answers for the family he left behind. Fifty-one years later, forensic genealogy and DNA technology cracked open the cold case and pointed investigators directly at Sipfle's own stepdaughter, Carol Ann Beall, now 79, who prosecutors allege killed him and collected up to six hundred thousand dollars from his pension in the decades that followed. This episode breaks down how the case went cold, how modern forensic science brought it back, and what this arrest reveals about the long reach of justice and the extraordinary tools now available to investigators working crimes the system once had no way to solve.

Today we'll be talking about the tens of thousands of foreigners who have been rejected entry to Thailand under the new 'Three No's' policy, then, the UK is keeping its frozen pension rule affecting countless Brits in Thailand and beyond, in crime news we have several foreigners behaving badly, including an Italian smuggling drugs into prison, a Russian's illegal beauty clinic, and Indonesian unable to control himself on a flight, and a Japanese man involved in a scam network worth billions, and a little later we've got animal news, some concerning, and some downright bizarre.

n October 1975, the unidentified remains of a Tucson man were found near Ryan Airfield with no missing person report, no leads, and no justice for a family left without answers. Fifty-one years later, investigators armed with forensic genealogy technology traced the victim to 73-year-old William Reginald Sipfle and identified his stepdaughter Carol Ann Beall, now 79, as the prime suspect, allegedly collecting up to six hundred thousand dollars from his pension the entire time. This episode breaks down how the cold case was reopened, how DNA changed everything, and what this arrest means for the growing number of decades-old crimes now being solved through modern forensic science. IAB Tags: Crime/True Crime, Law/Government/Legal, Science, News/Current Events, Society True Detective Podcast Title: 51 Years in the Dark: How DNA Pulled a Killer Out of a Cold Case and Into a Courtroom A body dumped in a landfill in 1975, a victim who had no name for decades, and a suspect who allegedly spent over half a century collecting a dead man's pension, this is one of the most chilling cold case resolutions in recent memory. Investigators used forensic genealogy to identify the victim as William Reginald Sipfle and zeroed in on his stepdaughter Carol Ann Beall, now 79, as the woman prosecutors believe killed him and buried both the body and the truth for 51 years. This episode goes deep into the investigative trail, the forensic tools that made the breakthrough possible, and the haunting question of how someone lives an ordinary life while carrying a secret that dark for that long.Sonnet 4.6

What do Civil War pension files reveal about one of history's most successful slave rebellions? Historian Edda Fields-Black joins Roman to trace a story of fire, flight, and freedom — beginning on a South Carolina rice plantation in 1863, where a Union raid liberated over 700 people in a single night. By unearthing Black soldiers' testimonies buried in military pension applications, they resurrect not just the raid, but the lives and communities it transformed. Subscribe to SiriusXM Podcasts+ to listen to new episodes of 99% Invisible ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rund 35'000 Schützinnen und Schützen nehmen an der Veranstaltung teil. Die Wettkämpfe finden auf rund zwanzig Schiessplätzen statt. Der Hauptschiessplatz befindet sich auf dem Rossboden in Chur. Weitere Themen: · Grosser Andrang an der PH Graubünden: Die Zahl der Anmeldungen für ein Lehrberufs-Studium ist um 19 Prozent auf 234 gestiegen. · Mit SLF-Direktor Jürg Schweizer geht einer der renommiertesten Schnee- und Lawinenforscher in Pension.

Markets continue pushing higher, AI stocks are still surging, and now SpaceX is preparing for what could become one of the biggest IPOs in history. But beneath the surface, Richard and James unpack why some of today's biggest market stories may be creating risks passive investors aren't paying enough attention to.  In this episode of From the Trenches, Richard Taylor and James Boyle break down the growing concerns around index inclusion rules, passive investing, and why companies like SpaceX could fundamentally reshape how retail investors interact with the market. They also discuss rising oil prices, inflation pressure, interest rates, and whether America's global dominance is beginning to shift.  The conversation then turns to one of the biggest issues currently facing British expats in America: UK pensions. Richard and James explain what a SIPP actually is, why so many expats leave old pensions untouched for decades, and the hidden costs, tax complications, and missed opportunities that can follow. They also unpack the upcoming UK inheritance tax changes on pensions and why these rules could dramatically change retirement planning for UK nationals living in the US.  Finally, the episode explores the fascinating “Pig in the Python” demographic theory and why baby boomers may be unintentionally reshaping housing markets, politics, retirement systems, and economic growth for younger generations.    --    Expat Wealth is supported by Plan First Wealth. Plan First Wealth is a Registered Investment Advisor serving fellow expatriates and immigrants living across the US on matters such as retirement planning, investment management, tax planning and non-US asset management.    https://planfirstwealth.com/    --    Expat Wealth is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth.      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. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas. 

HERO'S Talk Radio with hosts Dave and Laurett Arenz is presented by the Freedom Financial Radio Network. Through their Triple Crown Solution, Dave and Laurett coach clients to achieve financial independence by presenting options that provide safety, liquidity, and a great rate of return for tax-free account accumulation and distribution. As founders of HERO'S Strategies, … 06/06/26 Read More » The post 06/06/26 appeared first on HERO'S Strategies, Inc..

A larger pension check today can look incredibly tempting, but what happens if your spouse outlives you? Phil breaks down one of the biggest pension decisions couples face and explains the tradeoffs between maximizing monthly income and protecting a surviving spouse. This is a permanent retirement decision and deserves much more thought than most people give it. Here's some of what we discuss in this episode:

Last week, we covered why Roth conversions can beso powerful in retirement planning.This week, we're talking about what can go wrong.In this episode, I walk through 12 real-world hurdles and“landmines” that can shrink — or completely eliminate — your Roth conversion window. These are the exact issues I see with retirees and pre-retirees whohave built substantial wealth in traditional IRAs, 401(k)s, and other tax-deferred accounts.We cover:Social Security timing Pension income Spousal employment Selling a business Deferred compensation plans IRMAA surcharges ACA premium tax credits Inherited IRAs and the 10-yearrule Tax-inefficient investments The new senior bonus deduction And more.If you're planning for retirement and want to minimizelifetime taxes while maximizing flexibility, this episode will help you avoid some very costly mistakes.I hope you find it helpful.-Kevin⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multipleseven figures), love golf and travel, and you want to make work optional whileminimizing taxes… welcome to the right place.***This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

Summary In part 1 Wade Borth and Rohit Punyani, founder of The Owner's Asset, explore how small business owners can use a cash balance plan to capture six-figure tax deductions while building a seven-figure guaranteed retirement. Rohit walks through the two schools of retirement thought, the mechanics of a pension compared to a 401(k), and the compelling opportunity to purchase whole life insurance inside a pension using pre-tax dollars. If you have been writing painful tax checks without a clear strategy, this conversation shows you where that money could go instead. Check part 1 of this conversation in here We continue this episode in part 2, as most business owners know they should be saving for retirement. What they don't know is how much the tax code has stacked the deck in their favor. In this episode, Wade and Rohit Punyani of The Owner's Asset dig into who a cash balance plan actually works for, why older business owners have the biggest advantage, and how to run a pension and a 401(k) together for maximum effect.  Rohit also breaks down one of the most underused strategies in retirement planning: depositing required minimum distributions into a seasoned whole life policy to convert taxable income into accessible, non-taxable cash flow. If your business has been funding the IRS instead of your future, this conversation is for you. Part 3 ends up with Wade and Rohit, going deep in conversation to explore a strategy most advisors never mention. Together they walk through how sequence, guaranteed income, and a pension structure can reduce tax bills, fund whole life insurance at wholesale, and build a retirement income that removes the scarcity mindset. The conversation ties IBC, annuities, and pension design into a single framework built around clarity, perspective, and guidance.  Check part 3 of this conversation in here Key Takeaways The ideal candidate: a stable business with consistent taxable income, quarterly estimated payments above $20,000 to $30,000 per quarter, and at least some active K-1, S-corp, or 1099 income. After age 52 or 53, the IRS tables allow deductions that can exceed your active income. A 60-year-old with $100,000 in side income may be able to deduct $250,000. A pension and a 401(k) can and should coexist. The 401(k) stays in the market for growth. The pension funds your guaranteed safety-first income. The pension contribution is a top-line deduction. A $200,000 contribution on $1 million in revenue means the IRS taxes you on $800,000, and it can drop you into a lower marginal bracket. Required minimum distributions should never be spent directly. Depositing an RMD into a seasoned whole life policy and drawing on the policy's cash value can convert a $40,000 taxable distribution into $100,000 or more of accessible, non-taxable cash flow. Links and Resources sagewealthstrategy.com Part 1: Six Figures Off, Seven Figures Built   Keywords cash balance plan for business owners, who qualifies for a pension, K-1 income retirement, 1099 pension plan, self-employed retirement planning, age advantage cash balance plan, RMD strategy whole life insurance, infinite banking RMD, required minimum distributions whole life, pension and 401k together, business owner tax deduction, Wade Borth, Rohit Punyani, The Owner's Asset, Sage Wealth Strategy, solopreneur retirement, cash flow vs income IRS, top-line deduction, talent retention pension, small business pension plan Episode Highlights [00:04:35 - 00:05:46] Rohit defines the ideal candidate in human terms: a stable business writing quarterly estimated tax payments above $20,000 to $30,000 that could instead be flowing into a pension. [00:07:20 - 00:08:36] The age advantage: after 52 or 53, you can deduct more than your active income. A 60-year-old with $100,000 in side income can potentially deduct $250,000 and erase a tax bill entirely. [00:11:05 - 00:11:28] The 401(k) and pension should coexist. Stay in the markets with the 401(k). Use the pension to buy your safety-first guaranteed income. [00:13:48 - 00:14:53] Top-line deduction explained: a $200,000 contribution on $1,000,000 in revenue means the IRS taxes you on $800,000, and it can push you into a lower marginal tax bracket. [00:17:56 - 00:19:20] The catch-up concept: after years of building a business without contributing to retirement, a cash balance plan lets you redirect $200,000 to $300,000 a year and rebuild what was missed. [00:21:29 - 00:25:43] The RMD strategy: take a $40,000 distribution, deposit it into a seasoned whole life policy, use the policy's 3x to 4x release to pay taxes and keep the rest, turning $22,000 of after-tax income into $102,000 of cash flow.  

The Finest Unfiltered breaks down the NYPD's massive security posture at the 2026 Israeli Day Parade — and why it completely contradicted NYC Mayor Zohran Mamdani's rhetoric surrounding policing, counterterrorism, and public safety. If proactive policing, counterterror units, visible deterrence, and hardened security perimeters are supposedly unnecessary… then why did NYC deploy one of the strongest NYPD anti-terror operations of the year for this event? We'll discuss: The NYPD's anti-terror deployment at the Israeli Day Parade Counterterror realities in New York City Why visible policing still matters The contradiction between political rhetoric and operational reality The risks facing soft targets and public gatherings Whether NYC leaders privately understand threats they publicly downplay We will also discuss the latest developments surrounding NYC pension funds and Mayor Mamdani's reported proposal to delay required pension payments. The Finest Unfiltered explains why delaying payments into NYC pension systems could negatively impact ALL New York City workers — active and retired — not just NYPD members. We'll examine: Pension solvency concerns Long-term risks to municipal workers Potential impacts on retirees and future benefits Why several police unions are already sounding the alarm The broader fiscal implications for NYC taxpayers Today's episode is sponsored by Kalshi. On Kalshi, you're trading against peers in a live market — meaning there's no house. As probabilities change, you can buy in and out of your position in real time. For a limited time, download the Kalshi app and use code FINEST to get $10 when you trade $10. http://kalshi.com/r/FINEST K-A-L-S-H-I. Kalshi. Trade on anything. 18+ only. Restrictions and eligibility requirements apply. Event contract trading involves risk and may not be suitable for all investors. Prices, values, and available markets may differ from those mentioned. For more information see #NYPD #IsraelDayParade #NYC #ZohranMamdani #CounterTerrorism #PublicSafety #NYCPensions #PensionCrisis #TheFinestUnfiltered #JohnMacari #LawEnforcement #NewYorkCity #BreakingNews #Police #Politics ️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! https://streamyard.com/pal/d/5689366474915840 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"There's a pension somewhere in your name that you haven't looked at in five years." That's a sentence Paddy finds himself saying in client meetings more often than you'd expect. Across a 25-year career, the typical Irish professional works for three or four different employers — and the result, by the time someone reaches their mid-fifties, is often €100,000 to €500,000 spread across multiple dormant pensions that haven't been reviewed in years. In this episode, Paddy walks through what he calls the forgotten pension problem: the structural feature of Irish pension administration that means employer-funded pensions don't follow you when you change jobs. He explains the 2-year vesting rule, what it means to be a "deferred member" of a scheme, and the four decisions every senior professional faces when leaving a role with a pension: leave it where it is, transfer to your new employer's scheme, transfer to a Personal Retirement Bond, or transfer to a PRSA. He also covers two structural changes that took effect at the start of 2026. The first is auto-enrolment "My Future Fund", which launched on 1 January 2026 and now automatically enrols workers earning over €20,000 who aren't already in a workplace pension. The second is a new restriction: transfers from group occupational schemes to personal pension structures (PRSA or PRB) are now only permitted before Normal Retirement Age — a planning point for anyone approaching a late-career exit. The episode closes with the annual pension audit — three questions Paddy walks through with clients each year to address the forgotten pension problem deliberately rather than letting inertia decide. TIMESTAMPS (00:00) Introduction to Forgotten Pensions (01:53) Understanding the Forgotten Pension Problem (07:32) Options for Managing Your Pension (18:26) Recent Changes in Pension Regulations (27:12) Key Considerations for Senior Professionals (31:15) Strategies to Address the Forgotten Pension Problem RESOURCES MENTIONED •  Full blog post (with the four-options framework, 2026 rule changes, and audit checklist):     https://www.informeddecisions.ie/pension-when-you-change-jobs-ireland/ •  Companion episode — PRSA vs Company Pension / Master Trust:     https://www.informeddecisions.ie/prsa-vs-company-pension-ireland/ •  All Informed Decisions podcast episodes:     https://www.informeddecisions.ie/podcast/ ABOUT THE SHOW The Informed Decisions podcast is hosted by Paddy Delaney QFA RPA APA — independent, fee-only retirement planner in Ireland. The podcast and the blog at informeddecisions.ie are educational resources for Irish professionals, business owners, and high-net-worth individuals navigating retirement, tax efficiency, and investment strategy. Find Paddy at https://informeddecisions.ie DISCLAIMER This podcast is for general educational purposes only. It does not constitute personalised financial advice. Figures and rules referenced reflect the position as at May 2026 and are subject to change. Always speak to a qualified, independent financial advisor about your specific situation.

Eine Ära geht zu Ende! Adi Niederkorn war 41 Jahre lang Sportreporter in den ORF-Radios, davon 30 Jahre lang Sportchef bei Ö3. Jetzt verabschiedet er sich in die Pension und war am Sonntag, den 31.5.2026, zu Gast in Ö3-"Frühstück bei mir".Der Sport-Experte mit der markanten Stimme wirft einen Blick zurück, auf Parties, Pointen, Prominente und freut sich über die Gratuationen von Sportstars von Polster bis Walchhofer, die Claudia Stöckl einspielt. Ein Leben zwischen Leistungsbewusstsein und Leichtigkeit- so kann man Adis 40 Berufsjahre nennen. Auch Adis Frau Gisela kommt zu Wort, spricht über die schnelle Hochzeit, die berufsbedingte große Abwesenheit ihres Mannes und wie sie seine plötzliche große Anwesenheit sieht. Auf jeden Fall wird jetzt die Hochzeitsreise nach Mauritius nachgeholt! (Dieser Beitrag begleitet "Frühstück bei mir", Ö3, 31.5.2026)

Zwei Menschen im Wandel: Daniela Brunner-Gmür trifft an ihrem letzten Tag als Gemeindspräsidentin von Kaltbrunn/SG auf Hanspeter Krüsi, der nach der Pension seiner Passion nachgeht und als Komiker auf der Bühne steht. Daniela Brunner-Gmür Am Tag ihres Besuches im «Persönlich» endet auch die Amtszeit von Daniela Brunner. Während gut 6 Jahren präsidierte sie die Gemeindeexekutive, als erste Frau in der Gemeinde Kaltbrunn. Aufgewachsen ist Daniela Brunner im Oberstufen-Schulhaus von Kaltbrunn, ihre Eltern waren als Hauswart-Ehepaar bei der Schule in Kaltbrunn tätig. Der enge Familienzusammenhalt hat sie geprägt, Skifahren und wandern standen ebenso auf dem Programm, wie die aktiven Teilnahmen in Dorfvereinen. Die gelernte Zahnarztgehilfin fand in jungen Jahren zum Journalismus, zuerst als Redaktionsassistentin einer Lokalzeitung, dann als Lokaljournalistin. Nach ihrer Ausbildung zum Presse- und Informationsoffizier diente sie für die Schweizer Armee im Kosovo. Dort begleitete sie Journalistinnen und Journalisten bei ihren Recherchen und Berichterstattungen. Danach arbeitete sie 8 Jahre in der Kommunikation bei der Schweizer Armee. Am Eidgenössischen Schwing- und Älplerfest in Mollis 2025 unterstütze sie das Medienteam. Ausserdem liess sie sich in Gerontologie aus- und weiterbilden. Nach ihrer Zeit als Gemeindepräsidentin wird Daniela Brunner eine regionale Informations- und Beratungsstelle für die Region Zürichsee-Linth bei der Spitex aufbauen. ________________________________________ Hanspeter Krüsi Hanspeter Krüsi ist überzeugt: «Humor hilft über vieles hinweg». Seit vergangenem Herbst ist der gebürtige Appenzell Ausserrhoder pensioniert. Insgesamt verbrachte er über 43 Jahre bei der Polizei. Nach der Ausbildung zum Konditor besuchte er 1983 die Polizeischule in Zürich und arbeite dort während acht Jahren. Anschliessend war er in Appenzell Ausserrhoden als Kantonspolizist tätig, bevor er 2009 in den Kanton St. Gallen wechselte und dort die Funktion des Polizeisprechers und Kommunikationschef übernahm. In dieser Funktion stand er rund um die Uhr als Dienstleister für Medien und Bevölkerung im Dienst. Mit dem Wechsel zur Kantonspolizei St. Gallen musste Hanspeter Krüsi sich von seinem grossen Hobby verabschieden – die Polizeisprecherarbeit war aus Sicht des Arbeitgebers nicht mit seinem Hobby als Komiker vereinbar. Nach seiner Pension kehrte Hanspeter Krüsi wieder zurück auf die Bühne und unterhält an Privatanlässen, Seniorennachmittagen, Firmenfeiern und Konzerten. Auf seinen Reisen nach Thailand, Sumatra, Burma und weiteren asiatischen Ländern, hat er die fernöstlichen Traditionen kennen- und schätzen gelernt. Hanspeter Krüsi wurde für seine Medienarbeit mehrfach ausgezeichnet. Im Jahr 2023 belegte er den zweiten Platz im Gesamtranking der Mediensprechenden des Landes und wurde als bester Polizeisprecher ausgezeichnet. Im letzten Jahr erreichte er den dritten Platz im Ranking des Fachmagazins «Schweizer Journalist:in». _________________ Moderation: Michèle Schönbächler ____________________ Das ist «Persönlich»: Jede Woche reden Menschen über ihr Leben, sprechen über ihre Wünsche, Interesse, Ansichten und Meinungen. «Persönlich» ist kein heisser Stuhl und auch keine Informationssendung, sondern ein Gespräch zur Person und über ihr Leben. Die Gäste werden eingeladen, da sie aufgrund ihrer Lebenserfahrungen etwas zu sagen haben, das über den Tag hinaus Gültigkeit hat.

On this explosive episode of The Finest Unfiltered we break down the growing controversy surrounding NYC mayor Zohran Mamdani and his proposal to DELAY payments into city pension funds. Under the proposal, unions must vote to approve the plan and the stakes could not be higher for active and retired NYPD members. So far: The Patrolmen's Benevolent Association (PBA) and Sergeants Benevolent Association (SBA) have issued statements that they will vote AGAINST the proposal, arguing it is fiscally irresponsible and could threaten the long-term stability of pension funds. The Detectives' Endowment Association (DEA), Lieutenants Benevolent Association (LBA), and Captains Endowment Association (CEA) have still not publicly issued official statements. In this episode we explore: What delaying pension contributions could mean for the solvency of NYPD pension funds Whether NYC is facing a future pension crisis How this could impact active cops, retirees, and future hires Why some unions are refusing to support the proposal The political and financial implications for NYC taxpayers What happens if investment returns fail to meet projections Is this a smart financial strategy or a dangerous gamble with the retirement security of New York City workers? Join us LIVE as we break down the numbers, politics, and potential fallout. Subscribe to The Finest Unfiltered YouTube Channel for unfiltered discussions on NYPD news, NYC politics, public safety, police pensions, crime, and breaking stories impacting New York City. #NYPD #NYC #PolicePension #ZohranMamdani #PBA #SBA #NYCPolitics #PoliceNews #RetirementCrisis #TheFinestUnfiltered #JohnMacari ️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! https://streamyard.com/pal/d/5689366474915840 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this week’s episode of The Tax Factor, Neil Insull and Tom Goddard explore some of the major tax and political developments currently shaping the UK landscape. From Labour leadership contenders and proposed wealth taxes to major changes affecting businesses and pensions, the discussion highlights how quickly the tax environment continues to evolve. The episode examines Andy Burnham and Wes Streeting’s contrasting economic policies, including proposals around income tax, capital gains tax and land value taxation, before turning to new corporation tax changes affecting UK companies operating overseas through branches. Neil and Tom also discuss the significant inheritance tax changes coming to pensions from April 2027, explaining why many individuals may now need to rethink long-term estate and retirement planning strategies as pensions move further into the inheritance tax spotlight.See omnystudio.com/listener for privacy information.

Fler filmroller för tecknade djur än kvinnor över 60. Samtidigt verkar det våras för pensionären på vita duken? Hör Andrea Valderrama i samtal med kritiker Ylva Nilsson. Lyssna på alla avsnitt i Sveriges Radios app.

In this episode of Your Retirement Planning Simplified, Joe Curry explains how pension income splitting works in Canada and why it can be one of the most effective tax-saving strategies for retirees. Learn how RRIF withdrawals, defined benefit pensions, and strategic retirement income planning can help couples reduce taxes, protect OAS benefits, and create more tax-efficient retirement income.   Resources CRA Form T1032 – Joint Election to Split Pension Income Government of Canada – Pension Income Splitting Overview   Thank you for listening! You can get a full breakdown of each episode on the Your Retirement Planning Simplified Blog Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA Questionnaire   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap. A step-by-step process to align your finances with your ideal retirement.  Learn more here: https://matthewsandassociates.ca/vsl/    About Joe Curry Joe Curry is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.    About Retirement Planning Simplified Founded in 2022, it is our mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. YRPS wants everyone to have access to simple, reliable tools that reflect their values and priorities. This ultimately helps create True Wealth, defined by the freedom to do what you love with those you love. By simplifying retirement planning and aligning it with the retiree's purpose, YRPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: ●      LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ ●      Instagram: https://www.instagram.com/retirement_planning_simplified ●      Youtube: https://www.youtube.com/@retirementplanningsimplified   Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

When retirement is around the corner, some of the biggest decisions aren't about when to retire; they're about how income continues if one spouse is gone. Pension options can look straightforward on paper, but the tradeoffs behind them are anything but. Today, we're walking through a listener question that highlights a common decision couples face. Show Links & Info: SPC Investing: http://spcinvesting.com/   Schedule A Visit: https://talkstomike.com/

Apply for a Retirement Consultation:https://perspectivefunnel.co/682642d22275ec003bfa6626/691df07396253e003c42b434/?ps_hello=%20Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Take the Checklist Challenge:https://cdfinancial.org/checklist-challenge/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletterIf you are within one year of federal retirement, this is one of the most important times to review your FERS pension before making a final decision. In this video, we break down key federal retirement planning considerations around survivor benefits, retirement timing, COLA, taxes, Medicare, FEHB, and TSP income planning.Whether you are trying to protect your spouse, avoid unexpected tax issues, or make more informed decisions around your federal benefits, this episode walks through the planning areas many federal employees overlook before signing retirement paperwork.━━━━━━━━━━━━━━━IN THIS VIDEO YOU'LL LEARN━━━━━━━━━━━━━━━• Why FERS survivor benefit elections should be reviewed before retirement• How choosing the wrong federal retirement date may affect your planning• Why FERS COLA and long-term inflation should be part of your retirement income strategy• How tax stacking can happen with a FERS pension, Social Security, TSP withdrawals, and other income• Why IRMAA may surprise federal retirees who do not plan around Medicare income rules• How FEHB, Medicare, and spousal coverage decisions can affect your retirement strategy• Why federal employees should avoid relying only on one-size-fits-all retirement advice━━━━━━━━━━━━━━━FEDERAL RETIREMENT RESOURCES━━━━━━━━━━━━━━━OPM Retirement Center:https://www.opm.gov/retirement-center/FERS Information:https://www.opm.gov/retirement-center/fers-information/FEHB & Medicare:https://www.opm.gov/healthcare-insurance/medicare/annuitant/Survivor Benefits:https://www.opm.gov/retirement-center/survivor-benefits/Thrift Savings Plan:https://www.tsp.gov/TSP Withdrawals in Retirement:https://www.tsp.gov/withdrawals-in-retirement/Medicare IRMAA Information:https://secure.ssa.gov/poms.nsf/lnx/0601101020━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 FERS Pension Mistakes That Can Affect Retirement Income0:27 Survivor Benefit Decisions and Spousal Protection0:55 Choosing the Right Federal Retirement Date1:26 FERS COLA, Inflation, and Long-Term Income Planning2:00 Tax Stacking with FERS, Social Security, and TSP Withdrawals2:25 IRMAA Surprises and Medicare Income Planning3:43 FEHB, Medicare, and Federal Retiree Health Coverage4:08 Why Federal Retirement Advice Is Not One-Size-Fits-All4:36 Building a Retirement Plan Around Your Specific Situation━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, retirement income planning, and health-focused financial strategies.Our mission is simple:Help federal employees retire with more clarity, confidence, and peace of mind.Subscribe for practical federal retirement planning content designed to help you better understand your benefits, avoid common planning gaps, and prepare for your next chapter with confidence.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This video is for educational purposes only and should not be considered financial, legal, tax, healthcare, or investment advice. Federal retirement decisions depend on your individual service history, agency records, health coverage, survivor needs, retirement income goals, and personal circumstances. Always consult qualified professionals and review official OPM guidance before making retirement elections.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy or completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.FERS pension mistakes, federal retirement planning, FERS survivor benefits, FEHB Medicare coordination, TSP withdrawals, IRMAA Medicare surcharge, federal employee retirement, FERS COLA, retirement income planning, federal benefits, retirement date planning, tax planning for federal retirees#FERSPension #FederalRetirement #FederalEmployees #RetirementPlanning #CDFinancialSupport the show

Pētījumi liecina, ka 50% Latvijas iedzīvotāju gandrīz katru mēnesi izjūt trauksmi par naudu. Tikai 18% regulāri krāj pensijai. Un 60% uzskata, ka jāpelna vismaz 2000 eiro, lai vispār varētu sākt krāt.Šajā sarunā pievēršamies tam, kā šī domāšana cilvēku ierobežo un kas ir vajadzīgs, lai nauda sagādātu brīvību, nevis stresu.Lai iegūtu finansiālu brīvību, naudu ir jāmāk nopelnīt, saglabāt un pavairot. Mana sarunbiedre stāsta par iespējām, kā to saglabāt (lai pēc tam varētu pavairot).Līva Vēliņa-Pētersone ir personīgo finanšu mentors, SEB Life and Pension klientu apkalpošanas nodaļas vadītāja, pārdošanas komandu vadītāja, SEB skolu vēstnešu programmas jauniešu mentors, supervizors.Viņa vada finanšu pratības seminārus uzņēmumiem un finanšu mentoringu jauniešiem. Līvas aicinājums ir palīdzēt pārdošanas organizācijām sasniegt biznesa plānu, atbalstot darbiniekus viņu mērķu sasniegšanā, un iedvesmot cilvēkus finansiāli stabilai dzīvei.Ja šī vai kāda cita Cilvēkjaudas saruna tev noderēja vai bija interesanta, uzsauc Cilvēkjaudai virtuālo “kafiju”. Tā tu mums palīdzēsi segt gabaliņu no podkāsta izdevumiem, lai varam to turpināt. Šo epizodi filmējām Power-Up SPACE studijā Rīgas centrā. Te ir viss, kas nepieciešams – moderni aprīkotas studijas un arī daudzpusīgas telpas pasākumiem, kur rīkot apmācības, prezentācijas, filmu vakarus un pat konferences ar skaistu skatu uz Rīgu. Piesakies iepazīšanās tūrei!Vairāk informācijas ir 264.sarunas lapā šeit.SARUNAS PIETURPUNKTI:0:00 Ievads: "Tev ir jāzina, kā naudu nopelnīt, saglabāt un pavairot"3:12 Pētījumu dati: latvieši kā kredītu maksātāji un kā krājēji?4:53 "Tikai katrs piektais regulāri krāj pensijai. Katrs otrais par to vispār nedomā."5:56 Trīs krāšanas kabatas7:01 Cik lielam jābūt drošības spilvenam?13:28 Mīts: "Man vajag 2000 EUR algu, lai sāktu krāt"15:10 Trīs uzdevumi, lai tev ir nauda: nopelnīt, saglabāt, pavairot17:06 "50% cilvēku izjūt trauksmi par naudu gandrīz katru mēnesi"18:27 Lauras pieredze: kā izdevumu uzskaitīšana izglāba finanses grūtā laikā25:35 Ko praksē dod 10% krāšanas likums28:45 Labākais laiks sākt krāt, ja vēl nedari to29:00 Bez diskusijām: "Samaksā sev pirmajam"32:34 Automātiskie maksājumi kā finanšu sistēmas pamats37:51 Atsevišķi konti dažādiem mērķiem, kas maina visu39:10 Bērnu uzkrājumi un IIN atmaksa: ja noliec 100 EUR, tu faktiski noliec 7543:39 "Galvenais, ka tev būs brīvība, tev būs izvēle"45:15 Kur patiešām var ietaupīt: pārtikas izdevumi un impulsīvie pirkumi59:48 "Vai es tērēju naudu saskaņā ar savām vērtībām?"1:04:31 Naudas sarunas ģimenē: tikai 9% vecāku ar bērniem par naudu runā regulāri1:06:07 Kabatas nauda bērniem: kā mācīt rīkoties ar naudu1:13:31 Grāmatu ieteikumi1:20:26 Power-Up SPACE — epizodes filmēšanas vieta Rīgas centrā. Piesakies: powerupspace.eu1:25:16 Latvijas pensiju sistēma: 1., 2. un 3. līmenis1:29:03 Demogrāfijas izaicinājums, kas notiks ar pensijām nākotnē1:35:35 Pirmie soļi, kā praktiski sākt krāt pensijai1:43:01 "Neviens brīdis nav par vēlu, lai darītu"1:46:51 Vizualizēt nākotnes sevi kā motīvu rīkoties šodien1:49:23 Kā sazināties ar Līvu

After the 22 April IORP II deadline, thousands of Irish directors are now in a pension structure they didn't deliberately choose. Most transitioned from an executive pension to a Master Trust or a PRSA under time pressure. Few sat down to ask whether the resulting structure is actually the one that serves them best. In this episode, Paddy walks through the PRSA versus Executive Pension / Master Trust decision in detail: Funding mechanics, lump sum comparison, death benefit treatment, and the second decision most people never review: the investment mandate inside the structure. The episode is anchored to an anonymised client story: a company director in his mid-60s who came to Informed Decisions in early 2023 with a €1.4m pension and one question. Less than three years later, with a different structure and a different investment mandate, that pension is worth over €2m. The estimated cost of taking the "safe" advice he was offered elsewhere: approximately €500,000 of growth.   WHAT'S COVERED Why the IORP II deadline forced a structural decision under time pressure How PRSA contribution rules changed in 2023 and 2025 When the Master Trust's salary-and-service formula beats the PRSA's 100 % cap How the 1.5× salary lump sum compares to the PRSA's 25 % rule Why the PRSA's uncapped death benefit can change estate planning How the Standard Fund Threshold (€2.2m → €2.8m by 2029) affects strategy Why de-risking at 65 doesn't fit modern Irish retirement timelines Full written breakdown with comparison table, IORP II timeline, and FAQs: www.informeddecisions.ie/post/prsa-vs-company-pension-ireland If this episode raised questions about your current contribution strategy is going to get you where you want to go, that's exactly what we work through with clients. Find out more at https://www.informeddecisions.ie    ABOUT Informed Decisions is an independent, fee-only financial advisory firm in Ireland. Paddy Delaney works with a small number of clients each year, typically business owners and senior professionals approaching retirement, to plan and protect retirement decisions in coordinated, tax-efficient ways. If today's episode raised questions about your own pension: whether the structure is right, whether the investment mandate has been reviewed, or how to think about both together: visit https://www.informeddecisions.ie to see how we work. DISCLAIMER This podcast is for general educational purposes only and does not constitute personalised financial advice. Everyone's situation is different. Always speak to a qualified, independent advisor before making pension or investment decisions. Tax rules and pension regulations change; figures quoted are accurate at time of recording.

Running out of money is a top fear in retirement, and it almost always traces back to one question: where will your monthly income actually come from? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray walk through how Decker Retirement Planning builds a diversified retirement income plan. The same math-based, fiduciary process they use with clients every day. What this episode covers: • The bucket strategy: structuring emergency cash, principal-guaranteed income accounts, and a separate growth "risk bucket" so every dollar in your portfolio has a job • Annuities, demystified: why Decker steers clear of income and variable annuities, and where fixed indexed annuities (FIAs) and MIGAs actually fit • Social Security timing: spousal benefits, the 8% delayed-retirement credit, and how to coordinate two spouses for the most lifetime income • Pension decisions: lump sum vs. income stream, the real break-even math, and counterparty risk • Tax-smart withdrawals: Roth conversions, account placement, and keeping more of your money out of Uncle Sam's hands If you're within 5–10 years of retirement and you want a clear, structured plan that balances safety and growth, this episode is for you. Schedule a no-cost retirement review: 833-707-3030 Free resources, including The Decker Approach book and a sample income plan: DeckerRetirementPlanning.com Serving families in Salt Lake City, Seattle/Bellevue, the Bay Area, and virtually nationwide. Investing involves risk, including the potential loss of principal. Decker Retirement Planning, Inc. is a registered investment advisor. This show is for informational purposes only and is not tax or legal advice.

Soll freie Fahrt für Opas und Omas gelten – oder sollen sie zu obligatorischen Fahrtauglichkeitstests antreten müssen? Wir machen den Check und setzen uns mit Senioren ins Auto. Und: Eltern, die ihre Kinder nicht mehr sehen können – zwei Geschichten von Entfremdung. Achtung, Alte am Steuer: Braucht es strengere Regeln? 2025 verursachten über 70-Jährige mehr als 5500 Unfälle. Gemessen an den gefahrenen Kilometern provozieren Seniorinnen und Senioren – von allen Alterskategorien – am meisten schwere Verkehrsunfälle. Müssen Pensionäre am Steuer strenger kontrolliert werden? Wir sind unterwegs mit Fahrlehrern und Senioren, die sich auch mit 80 sicher am Steuerrad fühlen. Kampf um Kinder: Wenn Familien zerrissen werden Wenn Eltern sich trennen, ist das immer schmerzhaft für eine Familie. Manchmal bricht dann für den Vater oder die Mutter aber auch der Kontakt zu den Kindern endgültig ab. Gerichtsurteile, die das Besuchsrecht regeln, bleiben oft wirkungslos. Wir zeigen die Geschichten eines Vaters und einer Mutter, die vergeblich versuchen, ihre Kinder wieder zu sehen. Warum gelingt den Behörden in solchen Fällen die Durchsetzung des Besuchsrechts nicht? Im Interview bei Franziska Ramser ist Charlotte Christener, Präsidentin der Kindes- und Erwachsenenschutzbehörde der Stadt Bern.

June in Washington State is 62 with $2.5 million saved and a $350,000 pension on the table. Should she take the lump sum or the monthly check for life? Spoiler alert: there's a 3-to-1 vote in the studio, and Big Al is the one, today on Your Money, Your Wealth® podcast number 581 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, how aggressive should “Homer and Marge” get with Roth conversions, and is it smart to pay the conversion tax from an inherited IRA RMD? Pompous Assets drops his big, fat wallet on the YMYW table next: with millions in tax-deferred and taxable accounts, why is his financial advisor fighting him on a Roth conversion? Of course, Joe and Big Al have some thoughts on the subject. Finally, Johnny Mercer in Georgia is eyeing an immediate income annuity and a MYGA. The fellas break down why that 7.5% “rate of return” might not be what he thinks.Free Financial Resources in This Episode: https://bit.ly/ymyw-581 (full show notes & episode transcript)Ultimate Guide to Roth IRAs - free download:https://purefinancial.com/white-papers/roth-ira-white-paper/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-ultimate-guide-to-roth-iras&utm_content=ymyw-pod-ep581-description-whitepaperFinancial Blueprint (free, self-guided):https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep581-description-blueprintYour 11 Step Path to Financial Freedom - YMYW TV:https://purefinancial.com/ymyw/episodes/your-11-step-path-to-financial-freedom/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep581-description-tv-s10e13Financial Assessment (Meet with an experienced professional):https://bit.ly/PureFreeAssessmentREQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast01:08 - Should I Take the Pension Lump Sum or Monthly Income? (June, WA State)09:23 - How Much Should We Convert to Roth Each Year? (Homer & Marge)16:26 - Should I Convert My Entire IRA to a Roth? (Pompous Assets, Arkansas)23:00 - $5M All in Pre-Tax. Should I Buy an Annuity Before It's Too Late? (Johnny Mercer, GA)36:00 - Outro: Next Week on the YMYW Podcast

The Civil War was the bloodiest military engagement in American history, and for the wives of those killed or wounded in battle, the struggle for survival continued long after the shooting ceased in 1865. In this episode we speak with longtime friend of the show Kristin Jorgensen about her recently-defended MA thesis, "From Private Misfortune to Public Entitlement: Rural New York Widows and the Civil War Pension System" which tells the story of how the Federal benefits offered to the wives of Union soldiers helped transform women's roles in American politics and society. To find out more about Kristin's work, you can follow her on linkedin or check out her business Pastward at PastwardHistory.com. This episode was edited by Ben Sawyer.