Podcasts about retirement accounts

On this episode: She bought her dream house on the beach but may have done it the wrong way. Is the greed factor getting you in this stock market? If you delay Social Security and draw off your 401(k), does the math work? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Michael Greer from Greer Financial Group tells us how to get started with the free $1000 Trump Accounts and how much it could be worth over time.

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Emergency medicine can create a unique financial situation because the income can be high, but the structure of that income can look very different from one physician to another. Some ER docs are W-2 employees with hospital retirement plans, while others are independent contractors managing their own tax payments and retirement setup.  In this episode, we're looking at how that difference changes the way ER physicians should think about extra cash, tax planning, and building wealth beyond the basics. Topics discussed: Why W-2 and 1099 ER doc income structures require different financial strategies. The real hierarchy for extra cash once retirement accounts are maxed. Why paying down 7%+ interest debt acts like a guaranteed return. How short-term rentals unlock major tax losses through material participation. Why cash balance pension plans offer big tax deferral for 1099 docs. Resources mentioned: ERdocadvisor.com

Don and Tom take on the latest crypto hype cycle, arguing that Bitcoin remains speculation—not a reliable store of wealth—and that putting crypto inside retirement accounts is especially dangerous. They discuss a new self-directed IRA crypto platform, the risks of private equity and alternative assets in retirement plans, and why “get rich quickly” pitches should set off alarm bells.Then they answer two listener questions. First, Mark from Ohio asks how to prepare a retirement portfolio for a likely market downturn and how withdrawals and rebalancing should work once retirement begins. Later, Doug from Utah asks whether market-linked CDs make sense compared with Treasuries and whether the “no downside” promise is worth the tradeoffs. Don and Tom explain why they dislike market-linked CDs, how bank brokers get paid to sell them, and why simpler fixed-income tools often make more sense.They wrap up with a warning about growing bank-related scam tactics and a publishing scam Don has been seeing aimed at authors.0:05 – Intro: one-star Bitcoin review and why crypto losses are hard to ignore1:16 – Bitcoin's drop, crypto volatility, and retirement-account crypto pitches2:42 – Self-directed IRAs, IRA Financial, and the “get rich quick” problem5:27 – Why crypto, private equity, and alternative assets can be dangerous in retirement plans6:58 – Why most people bought Bitcoin: speculation, not currency utility10:29 – Hot money shifts: crypto, gold, semiconductors, and chasing momentum12:20 – Don's bottom line on crypto as speculation vs. wealth storage13:16 – Listener question from Mark: preparing for a market downturn before retirement15:32 – Is an 80/20-ish portfolio too aggressive with retirement four years away?17:13 – Bonds vs. cash/CDs: what fixed income should do near retirement18:56 – Withdrawal strategy during a downturn and how rebalancing fits in20:46 – Listener question from Doug: market-linked CDs vs. Treasuries23:47 – Why Don and Tom dislike market-linked CDs26:42 – The danger of taking investment advice from a bank salesperson29:18 – Building Treasury and CD ladders through a brokerage instead31:23 – Banks training tellers to spot scam victims before money is lost34:04 – Don's author scam warning: fake book clubs and fake promotional offersQuestions? Comments? Click!

Kaaren Hall reveals how self-directed IRAs can help investors use retirement funds more creatively, avoid costly mistakes, and build long-term wealth through education, discipline, and smarter planning for the future.See article: https://www.unitedstatesrealestateinvestor.com/build-wealth-inside-your-unsuspecting-retirement-account-with-kaaren-hall/(00:00) - Introduction to Kaaren Hall and Self-Directed IRA Investing(05:00) - Buying Property With an IRA and Understanding Leverage(10:00) - Prohibited Transactions, IRS Rules, and Tax Professional Guidance(15:00) - Roth IRAs, HSAs, and Becoming the Bank With Retirement Funds(20:00) - Due Diligence, Deal Review, and Avoiding Costly Mistakes(25:00) - Passive Income Myths, Notes, and IRA-Owned Property Rules(30:00) - Golden Nuggets, Favorite Books, and Mindset Shifts(34:56) - Final Thoughts, Retirement Planning, and Episode DisclaimerContact Kaaren Hallhttps://udirectira.com/https://www.facebook.com/KaarenatuDirect/https://www.instagram.com/kaarenhall/https://www.linkedin.com/in/kaarenhall/Kaaren Hall's message is a powerful reminder that the future does not reward people who stay uninformed. It rewards the investors who ask better questions, learn the rules, protect their accounts, and make decisions today that serve the person they are becoming tomorrow. To learn more, visit https://reiagent.comIs success destroying your peace? Most pros grind until they break. Download The Investor's Life Balance Sheet: A Holistic Wealth Audit to see if you are building a legacy or heading for burnout. Presented by The REI Agent Podcast & United States Real Estate Investor® https://sendfox.com/lp/m4jrl

“If there is one single habit you can have in your life to build financial security for yourself, and frankly, to get free money that's on the table, it is to max out your tax-advantaged accounts every single year.”In this episode of the Sunlight Tax Podcast, I revisit why tax-advantaged accounts are one of the most powerful tools for self-employed individuals. I break down how these accounts can help you save more money, lower your tax bill, and build long-term financial security. I also share practical examples, real numbers, and details about my upcoming class so you can make the most of the tax benefits available to you as a freelancer or business owner.Also mentioned in today's episode:00:10 Embracing Summer and Financial Reflection02:50 Understanding Tax-Advantaged Accounts06:05 Maximizing Retirement Savings with SEP IRAs08:50 The Power of Productive Friction in Learning11:58 The Power Triangle for Financial Growth15:10 Strategies for Effective Tax-Advantaged Saving17:55 Upcoming Class: Save Like A MillionaireIf you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.Episode Links:Join the Workshop: Save Like a Millionaire: Using Tax-Smart AccountsGet my Tax Help on SubstackGet your FREE visual guide to tax deductionsOrder my book: Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed Get full access to Taxes For Humans at sunlighttax.substack.com/subscribe

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

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What happens when two people with the same income make very different decisions with their money? Art shares a compelling story that illustrates the power of delayed gratification, then answers listener questions about building net worth and choosing the right place to retire. This episode is packed with practical wisdom for anyone who wants to make smarter financial decisions today and enjoy greater freedom tomorrow.Resources:8 Money MilestonesAsk a Money Question!

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Clark's teaching mission has always focused on getting you to save every dollar you can for retirement, especially when you can “set it and forget it” through automatic contributions. It's the best way to achieve financial freedom. Smart new initiatives are helping Americans save more:  Automatic Retirement Savings Programs.   Meanwhile, if you feel like your paycheck isn't going as far as it used to, you're right. Comparing what everyday items cost 30 years ago versus today, the math explains why so many hardworking Americans feel completely squeezed. Critical pillars of the American dream have skyrocketed. Check out the link below to calculate your own inflation reality and see how to make your dollars work harder for you. Inflation Calculator - Clark.com Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 10, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark  Automatic Retirement Savings: Segment 1 Ask Clark: Segment 2 Calculating Inflation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] A better way to make saving money easier What Is a 403(b) and How Does It Work? - Clark Howard How I Set My Teens Up for Retirement in 5 Minutes Here's What 26 Everyday Things Cost In The 1990s Vs. 2026 Inflation Calculator - Clark.com Dacia Cars - Good Thinking - Dacia Chase - Payment Choices Matter Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Learn how you can turn your life insurance policy into a super Roth for retirement. Tom Love is a CEO and financial wealth expert with over 40 years of experience. He walks through the multiplicity of benefits life insurance can unlock not just for the top 1% but for business owners, entrepreneurs, W2, and retirees. We cover the tax advantages, risk mitigation, non-recourse loan benefits, as well as debunking some of the most common talking points against life insurance.Watch the Interview on Youtube for Visuals - https://youtu.be/NABjYZ3BggoConnect with Tom Love: https://www.linkedin.com/in/tom-love/The Breakaway League: https://www.linkedin.com/company/thebreakawayleague/Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarityWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewWant Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vaultLearn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser and Introduction to "Super Roths" and Life Insurance 01:54 - Communicating the "Why" and Selective Clientele 02:35 - Wealth Strategies Within the Tax Code 04:18 - Tax-Free Income vs. Tax-Exempt Cash Flow 06:05 - Hidden Debt of Retirement Accounts 09:55 - Mechanics of Non-Recourse Loans 11:40 - The 1990 GAO Report and Tax Exemption 15:52 - Breakaway League and Better Communication 21:11 - Problem with Collateralizing Retirement Plans 25:23 - Case Study: A Billionaire's Insurance Strategy 28:55 - Real-World IRS Audit Story 30:53 - Permanence of the Tax Code and Section 7702 33:13 - The Mount Everest Analogy for Financial Planning 38:43 - Practicality: Taking Loans in Real Life 41:40 - Whole Life vs. IUL and Mutual Companies 44:46 - Warren Buffett and the Life Settlement Market 47:35 - The Conflict of the Fiduciary Registration 50:39 - Debating PUA Riders and Policy Design 54:44 - The Cons and Risks of Life Insurance 57:22 - Collateral Capacity in Real EstateDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Most Americans are far less prepared for retirement than many assume. Don and Tom discuss new Federal Reserve data showing that only about half of Americans have retirement accounts, the median retirement balance is just $200,000, and only a tiny percentage of retirees have more than $1 million saved. They explain why starting early, saving consistently, and avoiding speculative investing matter far more than chasing hot stocks or market trends. The episode also covers Social Security misconceptions, the challenges of retiring on limited income, concerns about Schwab's Teen Investor Account, and the importance of teaching young people disciplined long-term investing habits.0:11 How many Americans actually have enough saved for retirement?2:08 Federal Reserve data on retirement account ownership3:18 The surprisingly low median retirement balance4:47 Why advisors chase million-dollar clients5:07 Income, education, and retirement savings disparities7:06 Homeownership and wealth accumulation8:25 The importance of simply getting started9:41 Why Fidelity says it takes roughly 27 years to reach $1 million10:56 Saving versus investing and the dangers of speculation12:03 Leaving retirement money alone during market and life crises14:08 Bellevue, Nebraska caller asks about Social Security earnings limits15:11 Social Security taxation and claiming considerations16:32 Discussion of Edward Jones and advisor relationships19:29 Can a 76-year-old buy a home with $400 monthly payments?21:44 Schwab Teen Investor Account review22:39 Why Don dislikes stock-picking education for teenagers25:12 How custodians profit from trading activity26:35 Better ways to teach young people about investing27:31 Free advisor meetings and listener resourcesQuestions? Comments? Click!

Ashley Micciche joins The Morning Blend to tell you about the new accounts for kids to start their retirement savings.Subscribe to the Morning Blend on your favorite podcast platform.Find this show on the free Hail Mary Media App, along with a radio live-stream, prayers, news, and more.Look through past episodes or support this podcast.The Morning Blend is a production of Mater Dei Radio in Portland, Oregon.

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Nearly 1 in 3 retirement accounts is dormant. That means you could be leaving real savings behind to help you pay for bills, boost your retirement cushion or purchase your next home. Here are some smart ways to recover old 401(k)s.  To support more content like this, become an AARP member at aarp.org. And don't forget to subscribe for more tips and tricks to help make your life a little easier — and happier!

Host Brian Walsh takes up ImpactAlpha's top stories with editor Amy Cortese. Up this week: Two different approaches that impact investors are taking to address Big Tech's AI data center buildout; who wins when access to private equity is opened up to American retirees; and, how 2x is spurring a global race to the top in gender-lens investing.To try ImpactAlpha Edge, ⁠⁠⁠⁠click here⁠⁠⁠⁠. This week's stories:“Investors must push for transparency on AI's water risks,” by Ceres' Kirsten James."Elemental Impact teams with hyperscalers to deploy clean tech solutions," by Amy Cortese.“In the name of ‘democratization,' private equity firms eye US retirement savings,” by Isaac Silk and Amy CorteseSubscribe to Impact(ed) on Spotify, Apple or wherever you listen.“Spurring a global race to the top in gender-lens investing,” by David Bank

Host Brian Walsh takes up ImpactAlpha's top stories with editor Amy Cortese. Up this week: Two different approaches that impact investors are taking to address Big Tech's AI data center buildout; who wins when access to private equity is opened up to American retirees; and, how 2x is spurring a global race to the top in gender-lens investing.To try ImpactAlpha Edge, ⁠⁠⁠⁠⁠click here⁠⁠⁠⁠⁠. This week's stories:“⁠Investors must push for transparency on AI's water risks⁠,” by Ceres' Kirsten James."⁠Elemental Impact teams with hyperscalers to deploy clean tech solutions⁠," by Amy Cortese.“⁠In the name of ‘democratization,' private equity firms eye US retirement savings⁠,” by Isaac Silk and Amy CorteseSubscribe to Impact(ed) on ⁠Spotify⁠, ⁠Apple⁠ or wherever you listen.“⁠Spurring a global race to the top in gender-lens investing⁠,” by David Bank

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

David and Nick discuss options with your retirement account after a layoff, with a real world example. Shout out to MLVC for the great Theme Song!  You can find them at https://www.instagram.com/mlvc_91/  If you have questions for either Nick or David please contact us at: bucksandbrewsllc@gmail.com

Retirement planning extends well beyond simply saving enough during your working years—it plays out with every decision you make once you stop working. One crucial, sometimes overlooked, aspect is managing Required Minimum Distributions (RMDs) from your retirement accounts. If you have a retirement account approaching your RMD age, this episode breaks down the essential rules based on your birth year, how to calculate your distribution using the IRS tables, and key tax implications to keep in mind. You'll also get actionable tips to help minimize your future RMDs, from optimizing your income plan and leveraging Roth conversions to using qualified charitable distributions.    You will want to hear this episode if you are interested in... [00:00] RMD rules and calculations [05:10] RMDs and distribution timing [09:03] Retirement accounts and RMD rules [14:22] Tax strategies for retirement planning [17:00] Common RMD mistakes and solutions [19:21] Proper charitable distribution process   What Are Required Minimum Distributions (RMDs)? RMDs are the minimum amounts you must withdraw annually from certain retirement accounts starting at a specific age, as mandated by the IRS. These distributions apply to traditional IRAs, rollover IRAs, SIMPLE IRAs, SEP IRAs, 401(k)s, 403(b)s, 457 plans, and profit-sharing plans. Importantly, Roth IRAs and Roth 401(k)s are exempt from RMDs, and regular taxable investment accounts are not impacted.   The required age for beginning RMDs now depends on your birth year: If you were born between January 1, 1951, and December 31, 1959, RMDs start at age 73. If born on January 1, 1960, or later, RMDs begin at age 75. Tax Implications of RMDs RMDs are taxed as ordinary income. If you're not careful, withdrawals can bump you into a higher tax bracket, increase how much of your Social Security is taxable, or trigger additional Medicare Part B and Part D premiums due to IRMAA. Failing to withdraw the required amount carries a steep penalty—25%, reduced to 10% if corrected within two years.   Strategies to Lower Your RMDs Don't put all your savings in pre-tax accounts. Split between traditional and Roth accounts or invest some in taxable brokerage accounts, which aren't subject to RMDs. It can be useful to collaborate with a financial advisor to create a withdrawal strategy that minimizes taxes by pulling funds strategically from different account types. You can also convert portions of your pre-tax accounts to Roth IRAs in years when your income (and tax bracket) is lower, helping "fill the bucket" at the lowest rates. If you retire early, delaying Social Security until age 70 increases your benefit and can create years of low taxable income—perfect for executing Roth conversions. If you're 70½ or older, you can also donate up to $100,000 per year directly from your IRA to a qualified charity. These gifts count toward your RMD but are excluded from taxable income.   Enjoying a Comfortable Retirement Navigating RMDs isn't just about following IRS rules—it's an ongoing strategy to keep your taxes low and your retirement income steady. By understanding your obligations and using the available tools, you can maximize your retirement savings and create a more secure future. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Think an IRA is just another retirement account? The differences between IRAs and workplace plans can change how you manage your money over time. In this episode, Frankie Guida walks through how IRAs work, how they compare to 401(k)s and 403(b)s, and why having access to more investment options matters. He also discusses rollovers, tax treatment, and considerations for adjusting risk and consolidating accounts as retirement approaches Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Are you sitting on a retirement account that hasn’t been taxed yet—and wondering what to do with it? In this episode, Brandon Bowen breaks down the growing conversation around Roth conversions and why timing plays such a key role. He explains the concept of a “sweet spot” in the mid-to-late 60s, walks through how tax-deferred savings are eventually taxed, and shares a client example of building multiple income streams across different tax buckets. The discussion focuses on understanding tax exposure, retirement income flexibility, and how Roth strategies fit into a broader plan. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

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In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of choosing the right Self-Employed Retirement Accounts after transitioning from W-2 employment into the world of consulting, freelancing, or independent contracting. If you are earning 1099 income and wondering how to handle tax planning, build long-term wealth, and create a strategy for retiring comfortably, this episode breaks down the most effective small business retirement plans available today. From understanding tax deductible retirement contributions to comparing a Solo 401k, SEP IRA, Simple IRA, and even a Defined Benefit Plan, this episode helps self-employed professionals take control of their financial future and secure your retirement.Listen in to learn about the different retirement savings options available for entrepreneurs, consultants, and independent contractors who want to maximize savings while reducing taxes. Radon and Murs explain how proper tax strategies for self employed individuals can dramatically impact long-term wealth accumulation and why creating a solid Retirement Planning strategy is essential when managing 1099 retirement income. Whether you are new to self-employment or already generating significant income, this conversation provides practical insights into Financial planning for retirement, minimizing taxes through the self employment tax deduction, and creating a smart path to planning retirement successfully.In this episode, find out:How a Solo 401k, SEP IRA, and Simple IRA compare for self-employed professionalsWhy tax planning is critical when transitioning from W-2 income to 1099 consulting incomeThe benefits of Tax deductible retirement contributions and reducing taxable incomeWhen a Defined Benefit Plan may make sense for high-income business ownersKey strategies to help you plan for retirement and build long-term financial independenceTweetable Quotes:“When you flip over into the 1099 world, while you are receiving income from someone else, you're also your own employer.” – Radon Stancil“The benefit of retirement contributions for self-employed individuals is that you're not paying tax on those dollars today while building wealth for the future.” – 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.

In this episode of Built For Life Not Just Wealth, Ryan Burklo interviews Bob Kievit, a seasoned retirement planning expert, to explore strategies for optimizing wealth, minimizing taxes, and ensuring a secure income stream in retirement. They discuss the importance of deliberate asset structuring, tax management, and strategic distribution to achieve financial independence.   Check out our website:  https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   #BuiltForLifeNotJustWealth #retirementplanning #taxstrategies #wealthmanagement #incomestreams #assetallocation #financialindependence #taxminimization #legacyplanning   Key  Topics Importance of strategic asset location and allocation Tax-efficient withdrawal strategies The impact of asset location on effective tax rates   Chapters 00:00 Introduction and Guest Credibility 01:23 Focus on Income Streams, Not Just Asset Growth 02:11 Industry Evolution and Results in Financial Planning 04:24 The Six Critical Factors in Retirement Planning 05:55 Protection and Future Wealth Strategies 08:00 Maximizing Cash Flow in Retirement 09:23 Tax Strategies and Asset Location 12:37 The Importance of Asset Location and Pie Charts 14:44 Real Estate and Business Exit Planning 18:21 Retirement Accounts and Tax Implications 23:11 Understanding Tax Brackets and Effective Tax Rates 36:30 Managing Asset Allocation and Liquidity 38:08 The Impact of Market Corrections and Market Risk 39:08 The U.S. Tax System and Marginal Tax Brackets 42:55 Managing Effective Tax Rates in Retirement 45:29 Structuring Wealth for Optimal Tax and Cash Flow 46:20 The Future of Wealth and Retirement Planning 47:23 Asset Shifting and Strategic Repositioning 50:12 Distribution Strategies in Retirement 53:22 Closing Remarks and Resources  

Retirement accounts are not just a vehicle to let your money grow over time for when you're ready to stop working. They're also a tax shelter. In this episode, we talk about how much you can expect to save in taxes, the difference between pre-tax and post-tax accounts, and how to decide which to prioritize. Spoiler: when in doubt, just pick one and get started.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Retirement accounts are not just a vehicle to let your money grow over time for when you're ready to stop working. They're also a tax shelter. In this episode, we talk about how much you can expect to save in taxes, the difference between pre-tax and post-tax accounts, and how to decide which to prioritize. Spoiler: when in doubt, just pick one and get started. Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitSee pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

There's an effort to put a measure on California's November ballot that would let voters decide whether or not the state should be able to tax retirement accounts or personal property. For more....KCBS's Margie Shafer spoke to KCBS Insider PHIL MATIER.

President Donald Trump on Thursday signed an order to create retirement accounts for millions of Americans who don't have access to employer-sponsored plans. The changes would affect workers, including freelancers, contractors, gig workers, and self-employed individuals. Americans will be able to access the program at TrumpIRA.gov, and it is set to begin on Jan. 1, 2027.A new video of the alleged White House Correspondents' Dinner shooter has been released, showing the moment authorities say he tried to storm the dinner and attempt to kill Trump. U.S. Attorney Jeanine Pirro posted the video on social media amid questions over whose bullet struck a Secret Service officer, saying there is no evidence the officer was hit by friendly fire.The Supreme Court's recent division on redistricting is shaking up some upcoming elections. Louisiana is now postponing its congressional primaries, and Florida and Mississippi are now moving to redraw their voting maps. A new voting map, one that's not drawn on the basis of race, could give Republicans a chance at winning an additional House seat in Louisiana in the November midterms. Some Democrats, however, implied that the high court's decision removed protections for minority voters.

Get an inside look at what's shaping my thinking. Bi-weekly, I share the top 5 investing and financial planning articles I'm reading—straight to your inbox. Sign up for my newsletter. -----  You've maxed out your 401(k), IRA, and HSA. Now what? In this episode, I explain how to think about flexibility, taxes, cash reserves, kids, debt, and lifestyle decisions once the obvious retirement-account playbook is exhausted. Listen now and learn: ► Why a taxable brokerage account is often the best next home for long-term excess savings ► How asset location and after-tax implementation matter more once you build wealth outside retirement accounts ► When extra dollars may be better used for cash reserves, college savings, paying down debt, or living more intentionally ► The behavioral mistakes people make when they become too tax-obsessed or complexity-obsessed Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions. Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

A substantial inheritance can be a gift or a challenge—it often comes down to how prepared the next generation is to manage it. With trillions expected to transfer in the coming decades, many families are asking a vital question: Will this wealth help or hinder my heirs? In this piece, the hosts of “Henssler Money Talks” examine the complex realities high-net-worth families face when passing wealth to the next generation and how the decisions made today can shape outcomes for years to come.Original Air Date: April 18, 2026Read the Article: https://www.henssler.com/too-much-too-soon-rethinking-how-wealth-is-passed-down  

This $12B Money Manager Helps Investors Put Alternative Investments In Their Retirement Accounts. Guest: Henry Yoshida CFP Co-Founder & CEO of Rocket DollarCompany: Rocket Dollar (parent company retired.com) Assets Under Custody ~ $12BWebsite: https://rocketdollar.com/Henry's Bio: Henry is CEO and Co-founder of Rocket Dollar, a web platform that lets people invest tax advantaged retirement monies into private alternative investments. Henry was founder of venture capital backed roboadvisor retirement plan platform Honest Dollar[acquired by Goldman Sachs in 2016], was the founder of MY Group LLC[acquired by Captrust], and spent 10 years at Merrill Lynch. Henry is a Certified Financial Planner and has brought multiple innovative products and methodologies to the market. Yoshida graduated from The University of Texas at Austin, has an MBA from Cornell University, and lives in Austin with his two daughters.Company Bio: Rocket Dollar is a financial services company that lets individuals open self-directed retirement accounts like IRAs and Solo 401(k) plans that give you much greater control over what you invest in like real estate, private equity, cryptocurrency, precious metals, and more.

According to the FBI, Americans lost nearly $21 billion to cyber-enabled fraud last year—a 26% increase from the year before. And the single largest category? Investment-related fraud, with more than $8.6 billion in losses. But what's most unsettling isn't the scale... it's how simple some of these scams really are. A retired couple recently lost thousands of dollars from their IRA after a scammer tricked them into sharing a single six-digit verification code over the phone. No hacking. No stolen password. Just one text message and one phone call. In this episode, I'm breaking down how "account takeover" scams work, why they're so effective, and the specific steps you can take to close the security gap. Here's what you'll learn: → The 3-step pattern behind most account takeover scams  → Why your personal information may already be compromised (and what that means for your account security) → What to do—and what not to do—when a financial institution contacts you about suspicious activity → 3 simple upgrades to better protect your accounts that most people overlook In a world where scammers only need a few seconds to strike, your ability to slow down and take back control of the moment may be the most valuable layer of protection you have. ***

Pokémon cards are scorching hot right now. An index tracking the thousands of rare cards shows that valuations have increased 170% in the last year alone. Growth like that really makes you wish you hadn't given away all your childhood cards years ago.Today on the show, we cover three things that are contributing to the rapid growth of shiny cards produced by the world's highest-grossing media franchise.Come see Planet Money live on stage in April! 12 cities. Details and tix here: https://tix.to/pm-book-tour. Related episodes: The secret to Nintendo's successThe curious rise of novelty popcorn bucketsThe Curse Of The Black Lotus (Update)For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Sierra Juarez. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter.To manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Joxavier Jackson. A financial advisor with over 15 years of experience across major institutions such as Wells Fargo, Chase, and Bank of America. She discusses her evolution from a teenage bank teller to an independent financial planner at The Piedmont Group in Atlanta, where she provides holistic, comprehensive wealth management—especially for clients who traditionally lack access to financial literacy. Joe shares her personal journey, the gaps she observed in financial education—especially in working‑class families and communities of color—and why she aims to provide accessible, relationship‑based financial planning. She breaks down the fundamentals of long‑term wealth: insurance, asset allocation, retirement accounts, tax strategies, fraud prevention, and planning for individuals and business owners. The discussion highlights the importance of financial confidence, the significance of meeting people where they are, and the need to increase participation of Black and Brown individuals in wealth‑building spaces.

On this episode of Impact Theory with Tom Bilyeu, we dive deep into the alarming parallels between the 2008 financial crisis and potential dangers lurking within today's financial system. Tom Bilyeu takes us on a revealing journey behind the scenes of Wall Street's $2 trillion “shadow banking” industry—private credit—unpacking how its rapid, unchecked growth could put your retirement and the broader economy at serious risk. Drawing connections between the past and the present, Tom exposes how risk is stealthily moved through the financial system, ultimately landing on the people least equipped to handle it: everyday investors. From the collapse of mortgage-backed securities in 2008 to today's opaque world of private credit, this episode breaks down how sophisticated financial products are being packaged, sold, and distributed—often without true oversight or public understanding. Tom reveals why recent shocks in private credit funds should serve as a wake-up call, and provides listeners with a practical framework to identify, trace, and potentially sidestep the “risk waterfall” cascading through our economy. Whether you're a seasoned investor or just looking to protect your savings, this episode is an urgent and eye-opening guide to navigating a financial system that seems intent on shifting risk away from the powerful and onto the rest of us. Buckle up as Tom pulls back the curtain on how wealth flows, who wins, who loses, and—most importantly—how you can take back control. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSumm: code TOMVIP20 for 20% off your first year at https://summ.com?via=tombilyeu&coupon=TOMVIP20Blocktrust IRA: get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactQuince: Free shipping and 365-day returns at https://quince.com/impactpod Duck.Ai: Protect your privacy at https://duck.ai/impact Monetary Metals: Future-proof your wealth at https://monetarymetals.com/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom private credit, shadow banking system, financial crisis, pension funds, retirement accounts, 401(k), payment in kind, risk waterfall, money printing, inflation, systemic risk, bank runs, Basel III, structured finance, subprime mortgages, Blue Owl Capital, BlackRock, distressed assets, illiquid investments, capital calls, default rates, AI disruption, debt restructuring, wealth transfer, executive order, public markets, sovereign wealth funds, credit default, asset bubbles, modern monetary theory Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode of Impact Theory with Tom Bilyeu, we dive deep into the alarming parallels between the 2008 financial crisis and potential dangers lurking within today's financial system. Tom Bilyeu takes us on a revealing journey behind the scenes of Wall Street's $2 trillion “shadow banking” industry—private credit—unpacking how its rapid, unchecked growth could put your retirement and the broader economy at serious risk. Drawing connections between the past and the present, Tom exposes how risk is stealthily moved through the financial system, ultimately landing on the people least equipped to handle it: everyday investors. From the collapse of mortgage-backed securities in 2008 to today's opaque world of private credit, this episode breaks down how sophisticated financial products are being packaged, sold, and distributed—often without true oversight or public understanding. Tom reveals why recent shocks in private credit funds should serve as a wake-up call, and provides listeners with a practical framework to identify, trace, and potentially sidestep the “risk waterfall” cascading through our economy. Whether you're a seasoned investor or just looking to protect your savings, this episode is an urgent and eye-opening guide to navigating a financial system that seems intent on shifting risk away from the powerful and onto the rest of us. Buckle up as Tom pulls back the curtain on how wealth flows, who wins, who loses, and—most importantly—how you can take back control. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Ketone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactSumm: code TOMVIP20 for 20% off your first year at https://summ.com?via=tombilyeu&coupon=TOMVIP20Blocktrust IRA: get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comQuo: Try for free PLUS get 20% off your first 6 months at https://quo.com/impactQuince: Free shipping and 365-day returns at https://quince.com/impactpod Duck.Ai: Protect your privacy at https://duck.ai/impact Monetary Metals: Future-proof your wealth at https://monetarymetals.com/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom private credit, shadow banking system, financial crisis, pension funds, retirement accounts, 401(k), payment in kind, risk waterfall, money printing, inflation, systemic risk, bank runs, Basel III, structured finance, subprime mortgages, Blue Owl Capital, BlackRock, distressed assets, illiquid investments, capital calls, default rates, AI disruption, debt restructuring, wealth transfer, executive order, public markets, sovereign wealth funds, credit default, asset bubbles, modern monetary theory Learn more about your ad choices. Visit megaphone.fm/adchoices