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In this episode, Erica welcomes Julie Maison, a Chief Communications Officer for nonprofits and churches. This episode is an open Q&A session where Erica answers questions many new business owners have, including accounting concepts like cash and accrual basis accounting, the differences between an LLC and S-Corp, and the importance of accurate bookkeeping. 00:00 Introduction 00:54 Meet Julie Maison: Communications Expert 02:08 Julie's Journey to Entrepreneurship 04:20 Navigating the Challenges of a New Business 09:55 Understanding Accounting Basics 10:58 Cash vs. Accrual Accounting Explained 17:32 Planning for Financial Success 19:35 Example of Setting Aside Money for Taxes 20:11 Owner's Distribution vs. Salary 23:51 Owner's Distribution Framework 25:43 Sole Proprietorship vs. S Corp 30:05 Strategic Cash Flow Planning 32:43 Common Financial Mistakes 37:28 Retirement Savings for Entrepreneurs EricaGoode.com ____________________ Resources Referenced: Ep4 - Ep7 Consultants & Money: Business Money 101 series Ep86 - Retirement Plans for Consultants ____________________ Connect with Julie | LinkedIn | Website Connect with Erica | LinkedIn | Website | Newsletter
In this episode of Beer & Money, Ryan Burklo discusses the critical aspects of retirement planning, emphasizing the importance of understanding income risks and market volatility. He explores strategies for managing retirement funds, including the necessity of having a diversified approach with different buckets of money to ensure financial stability throughout retirement. The conversation also delves into the real risks of outliving one's money and presents alternative strategies to mitigate these risks, ultimately guiding listeners on how to effectively plan for their financial future. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #retirementplanning #incomerisks #financialstrategies #marketvolatility #retirementincome #financialplanning #investmentstrategies #retirementsavings #outlivingmoney #retirementstrategies Takeaways Retirement planning should start early, even years before retirement. Understanding the risks associated with retirement income is crucial. Market volatility can significantly impact retirement savings. Having a diversified portfolio can help manage risks in retirement. It's important to consider taxes and fees in retirement planning. Creating a liquid fund can provide financial security during market downturns. Using Monte Carlo simulations can help assess the risk of outliving your money. A guaranteed income stream can alleviate financial stress in retirement. Legacy planning should be part of retirement strategies. Different buckets of money can provide flexibility and security in retirement. Chapters 00:00 The Reality of Retirement Planning 01:29 Understanding Retirement Income Risks 07:47 Strategies for Managing Market Volatility 08:14 Analyzing the Real Risks of Outliving Your Money 15:48 Alternative Strategies for Retirement Income 20:22 Key Takeaways for Effective Financial Planning
Imagine being months away from retirement, logging into your super account, and seeing your balance at zero. That's what thousands of Australians are now facing after the collapse of multiple superannuation funds, with more than $1.2 billion in retirement savings wiped out. Today we explain how this happened, what went wrong with the platforms and checks that were supposed to protect investors, and why the system isn't working the way it should. We also share the simple ways to spot red flags, avoid cold-call traps, and choose a financial advisor you can trust.On this episode, we discuss:(00:00) Intro(00:46) The $700k-to-Zero Super Nightmare(01:34) The First Guardian Master Fund Collapse Explained(03:20) How Super Platforms and Investment Funds Work(05:09) Where the Money Went and How it Worked(07:00) Telemarketing, Google Ads and Conflicted Advice(09:50) Who Pays When Superannuation Funds Fail?(13:57) The Red Flags: Cold Calls and Online Traps(17:14) How to Find and Trust a Financial Planner(30:24) Super Isn't Government-Guaranteed - Protect YourselfCheck out the free resources from Inovayt here.Send us an email: hello@thenumbersgamepodcast.com.auThe Numbers Game is brought to you by Future Advisory & Inovayt.Hosts:Nick ReillyJason RobinsonMartin VidakovicThis podcast is produced by VIDPOD. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Marty discusses the importance of estate planning, legacy beyond wealth, and the complexities of managing inheritance. He emphasizes the need for ethical wills, family communication, and strategies for charitable giving. The discussion also covers retirement income planning, the bucket strategy, tax implications, and social security strategies. Additionally, Marty addresses the impact of life events on retirement, long-term care considerations, and the emotional and financial aspects of losing a spouse. Overall, the conversation provides valuable insights into comprehensive financial planning for retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.
Is the secret to long-term wealth a complicated, high-stakes strategy, or something far simpler? We often get drawn to the allure of "sexy" investing—the risky bets, the hot stock tips, the promise of explosive overnight returns. But what if the most powerful path to financial growth is actually the one that feels a little… boring? This episode pulls back the curtain on why consistency, patience, and a simple plan can be your greatest assets on your investment journey. We're diving deep into the power of straightforward, time-tested strategies like diversified index funds and automated contributions. You'll learn how these "boring" methods are designed to harness the market's power over the long haul, helping you build wealth without the sleepless nights. We'll also uncover the common traps of complex, "sexy" investing—from chasing elusive returns to taking on unnecessary risk. Get ready to feel empowered and inspired to build a strategy that truly works for you, one that brings you closer to your goals with confidence and clarity. Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
Massey University has updated its retirement expenditure guidelines, which show how pensioners around the country are spending their money - and what you'd need to save to have that same lifestyle. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.
Are you unknowingly sabotaging your retirement savings? Discover the five critical mistakes that could derail your financial future, from relying too much on your 401k to letting fear drive your decisions. Abe Abich breaks down practical strategies to protect your nest egg, avoid costly habits, and build lasting income for retirement. Tune in for expert insights and real-world examples that empower you to make smarter moves with your money. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
There are all sorts of headlines telling us we need to have 1.8 million dollars to retire. That is turning out not to be true. Like this episode? Hit that Follow button and never miss an episode!
Marty discusses various aspects of retirement planning, including the importance of understanding one's money personality. He delves into the dynamics of family relationships during retirement, the significance of frugality versus financial wisdom, and the necessity of having a flexible financial plan. The discussion also covers tax implications for married couples, navigating retirement income, and the emotional ties versus financial flexibility when considering home equity. The episode concludes with listener questions and answers, providing practical insights into retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.
Aaron Kowal opens the show with a discussion on the average retirement savings by age group and the saving challenges each generation faces. Then shares 6 tips to help preserve and grow the value of your investments. Later Jeff joins the show to discuss how much Americans say they need to comfortably retire and touches on a common regret many women investors have. And Aaron wraps up the show with benefits of utilizing dynasty 529 plans.
Not sure what your numbers are telling you? Get a free review: coltivar.com/financial-review Major moves and market momentum in this week's top financial stories, including:Boomers Fall Behind on RetirementBlackstone Brings Private Equity to 401(k)sAI Data Centers Build Their Own Power PlantsSouthwest Ends Open SeatingWalmart Joins ChatGPT for AI ShoppingTune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com
In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the integration of private equity and alternative assets into 401k plans. They explore the performance of endowments, the nature of private equity and private debt, and the associated risks. The conversation emphasizes the importance of understanding these investment options, the role of 401k plans in holding illiquid assets, and the need for informed decision-making to avoid chasing returns without proper knowledge. Check out our website: beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #privateequity #alternativeassets #401kplans #investmentstrategies #riskassessment #endowments #financialplanning #liquidity #retirementsavings #diversification Takeaways Private equity and alternative assets are becoming more accessible in 401k plans. Endowments manage large portfolios with a focus on long-term returns. Private equity includes investments in privately held companies and debt. Investing in private equity carries significant risks, including illiquidity. 401k plans may provide a suitable structure for holding alternative assets. Investors should be cautious of chasing returns without understanding the risks. Individual financial situations must be assessed uniquely when considering investments. Understanding the underlying assets in alternative investments is crucial. Diversification can be beneficial, but it must be approached with caution. Consulting with a financial advisor is recommended when exploring alternative investments. Chapters 00:00 Introduction to Private Equity in 401k Plans 01:30 Understanding Endowments and Their Returns 04:23 Exploring Alternative Investments 05:31 Defining Private Equity and Private Debt 07:32 Assessing Risk in Private Equity Investments 10:34 The Role of 401k in Holding Alternative Assets 11:15 Concerns About Illiquidity and Misunderstanding Investments 14:33 Wrapping Up: Key Takeaways and Final Thoughts
This conversation explores the various phases of retirement, focusing on the energetic 'go-go years which Marty compares to the A side of a vinyl record and the subsequent slower years, often referred to as 'Side B.' The discussion emphasizes the importance of planning for financial stability, healthcare costs, and emotional well-being throughout retirement. Key topics include the impact of lifestyle inflation, the necessity of legacy planning, and the significance of communication with family regarding financial matters. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.
Are you worried about whether your retirement savings are safe and working as hard as they can? This episode of Everything Counts dives deep into the realities of moving your retirement savings offshore and what it means for South Africans planning for the future. Join host Motheo Khoaripe as he chats with Investec's Kate Robson, co-head of My Investments, and Johan Loubser, head of adviser enablement, to explore the myths, benefits and risks of offshore retirement investing. From currency risk and diversification to tax rules, estate planning and offshore investment returns, they unpack everything you need to know to make informed decisions. Learn how offshore retirement plans can protect your savings, why spreading your investments across countries and currencies matters, and the steps to ensure your portfolio is aligned with your long-term goals. Discover why careful planning, expert advice and understanding the rules are key to making offshore investing work for you. Whether you're just starting to save, considering retiring overseas, or looking for smarter ways to grow and protect your retirement savings, this episode empowers you to take control of your financial future. 00:00 Introduction 01:58 Offshore investing vs offshore retirement investing 02:45 Offshore investing for people retiring locally vs retiring abroad 05:15 Regulation 28 06:37 Is offshore investing only for the wealthy? 08:33 Benefits of offshore investing 09:48 Timing an offshore investment right 12:18 Matching your retirement savings to where you'll spend 15:35 Tax implications of investing abroad 17:16 Estate planning with offshore investments 20:32 Risk vs reward of offshore investing 21:46 The role of a financial adviser in offshore investments 23:20 Where offshore retirement investing fits into a portfolio 24:52 Conclusion Investec Focus Radio SA
In this conversation, Marty discusses the critical aspects of estate planning, emphasizing the importance of trusts, wills, and proper beneficiary designations. He highlights common pitfalls that individuals face, such as procrastination and misunderstanding the need for estate planning. The discussion also covers the financial implications of losing a spouse, the widow/widower penalty in Medicare, and the necessity of communication among family members regarding estate planning. Listener questions are addressed, providing practical insights into navigating these complex issues. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.
Defined benefit plans are powerful retirement and tax-saving tools for business owners, yet they can seem highly technical and overwhelming. Unlike 401(k)s where employees contribute individually, defined benefit (DB) plans are employer-sponsored, with the company making large contributions on behalf of the participant—often the business owner. This structure allows much higher contribution limits, sometimes hundreds of thousands of dollars annually, providing significant tax deferral and accelerated retirement savings.To operate correctly, a DB plan requires the involvement of an actuary. The actuary determines contributions based on factors like participant age, expected rate of return, and retirement goals. These calculations ensure that the plan can deliver a guaranteed monthly benefit during retirement. While this makes DB plans more complex and costly to administer compared to 401(k)s, the advantages—larger contributions, lower tax liability, and higher long-term retirement savings—often outweigh the costs.Plan sponsors must be mindful of investment risk. If portfolio performance falls short, additional contributions may be required to “true up” the plan, especially when employees are involved. For solo entrepreneurs, this risk is less concerning, but it still requires careful investment oversight. DB plans are generally aligned with more conservative investment strategies and long-term liability matching, ensuring that assets and future retirement obligations remain balanced.Compliance and administration are critical. Sponsors must ensure accurate benefit calculations, proper contribution strategies, and adherence to IRS regulations, including annual reporting and actuarial evaluations. Consultants like Kenner French and his team play a key role in guiding sponsors through these responsibilities, optimizing tax strategies, and ensuring regulatory compliance. Regular plan design reviews, funding adjustments, and communication with participants (when applicable) are essential for smooth plan management.Ultimately, defined benefit plans can be an exceptional retirement and tax strategy, particularly for entrepreneurs who want to maximize savings quickly. They offer higher contribution limits, substantial tax deductions, and long-term wealth-building opportunities. However, they require ongoing oversight, proper plan design, and collaboration with actuaries and consultants to remain compliant and effective. With the right guidance, DB plans can significantly strengthen both retirement readiness and business financial planning.Takeaways• Defined benefit plans are employer-sponsored retirement plans.• Actuaries play a crucial role in calculating retirement benefits.• Tax deferral is a significant advantage of defined benefit plans.• Plan sponsors must ensure compliance with regulatory requirements.• Investment strategies must align with the plan's long-term goals.• Effective communication with participants is essential for plan success.• Regular plan design optimization is necessary for effectiveness.• Market resilience is a key consideration in investment management.• Proper administration can lead to substantial tax savings for business owners.Sound Bites• You have to have an actuary, really smart person• You can put away a lot for savings• You could put away a ton of money, a ton of moneyListen & Subscribe for More:
Kevin Brucher discusses the various aspects of retirement planning, emphasizing the importance of intentional planning for the first decade of retirement, maintaining physical health, understanding financial implications such as inflation and taxes, and the significance of choosing the right retirement facility. He also highlights the need for contingency planning to prepare for unexpected events that may arise during retirement. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.
D.J. and the “Henssler Money Talks” hosts breaks down Health Savings Accounts (HSAs) and explains why they're one of the most powerful tools for saving money—thanks to their unique triple tax benefit. While many people use HSAs to pay for health care expenses as they arise, there are compelling advantages to covering those costs from other funds and allowing the HSA to accumulate, benefiting from tax-deferred growth over time. Original Air Date: September 27, 2025 Read the Article: https://www.henssler.com/health-savings-accounts-the-hidden-gem-in-your-financial-plan
Unlocking Retirement Savings: Rocket Dollar's Alternative Investment Platform Rocketdollar.com About the Guest(s): Henry Yoshida is the co-founder and CEO of Rocket Dollar, a booming FinTech company that is revolutionizing retirement saving strategies. With a notable career spanning various sectors within financial services, Henry has orchestrated consulting ventures and technology startups, particularly emphasizing retirement planning and investment diversification. Under his leadership, Rocket Dollar offers innovative solutions, enabling individuals to manage and invest their IRS tax-advantaged retirement accounts in alternative assets like real estate, cryptocurrency, and private equity. With a dedication to expanding investment opportunities and a propellant career, Henry Yoshida is shaping the future of financial management. Episode Summary: On this exhilarating episode of The Chris Voss Show, host Chris Voss is joined by Henry Yoshida, the co-founder and CEO of Rocket Dollar, a prominent player in the FinTech arena. Celebrating over 16 years and 2,500 episodes of bringing influential discussions to listeners, Chris propels this episode into a meaningful conversation about reshaping retirement savings into a more diversified investment model. Henry elaborates on the groundbreaking opportunities Rocket Dollar provides, empowering individuals to invest their IRAs beyond typical stocks and bonds, venturing into realms like real estate and cryptocurrencies. This episode delves into pivotal topics impacting retirement savings and investment strategies. Henry Yoshida discusses recent legislative shifts, highlighting how new executive orders under the past Trump administration have loosened constraints, paving the way for more flexible investment options within retirement accounts. They explore the stark reality of inflation and rising healthcare costs affecting future retirement plans, emphasizing the importance of adaptability in financial planning. As they navigate through modern investment landscapes, the conversation is enriched with insights and analogies that draw attention to the necessity of early retirement savings and the ingenuity of platforms like Rocket Dollar in maximizing such opportunities. Key Takeaways: Rocket Dollar allows retirement savings to be invested in alternative assets, broadening the scope beyond traditional Wall Street options. Executive orders have increased flexibility in how Americans can use retirement funds, fostering creativity and broader investment opportunities. Inflation and healthcare costs are crucial considerations in retirement planning that demand strategic, proactive saving and investing. Early and consistent saving in tax-advantaged accounts (IRAs) can significantly impact financial health and retirement readiness. The importance of starting investment early is emphasized through tangible steps and encouraging insight, promoting long-term financial stability. Notable Quotes: "Rocket Dollar enables our customers to diversify beyond Wall Street into alternative assets such as real estate, startups, private equity, and cryptocurrency." "Executive orders under the Trump administration have actually allowed more flexibility with what people can invest in using retirement dollars." "To answer your question specifically, there was a recent study… that number now for people to feel quote-unquote comfortable has gotten close to $2 million." "Asset location is actually more important than asset selection." "Going from losing five to 10 is easier than going from losing zero to five."
Mark Hamrick, Bankrate Senior Economic Analyst joins Megan to talk about the new Bankrate survey that shows 3 in 5 Americans say they are behind with retirement savings.
Today's listener question gets right to the heart of retirement planning: how much is enough? They've saved a lot, but not quite what they hoped. So can they still retire comfortably, or is that magic number just out of reach? Contact: Great Lakes Retirement Website: http://www.greatlakesretirementsolutions.com/ Call: 989-401-2949
Mark Hamrick of Bankrate has a lot of great tips in order to get yourself in a solid position to retire when you want to
Are you sidestepping the biggest pitfalls on the path to financial freedom and a happy life? In this candid episode, we get real about the three most detrimental mistakes that can derail your financial dreams. We're diving deep into why holding onto debt is a trap society has normalized, and how to break free. We also tackle the critical importance of saving for the future, sharing a clear roadmap to build your retirement savings from your first match dollar to maxing out your accounts. Tune in now to hear the last mistake people make that turns out to be the biggest of them all. This episode is your wake-up call to build a life you truly love, together. Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
In this episode of the Sunlight Tax podcast, I reveal the #1 habit that sets successful freelancers apart: consistent saving. Discover why saving is like a muscle you need to train, how small, steady contributions to retirement accounts can snowball into long-term financial security, and why waiting for the "perfect" moment to save holds you back. I share my personal journey, real success stories from my community, and practical tips to overcome the psychological barriers that keep many creatives and freelancers from building wealth. Whether you're just starting out or have been self-employed for years, you'll learn how to take imperfect but powerful action toward your financial goals and harness the power of compound interest to create a more secure future. If you've ever felt behind on saving, this episode will give you the motivation and strategy you need to start today. Also mentioned in this episode: 01:11 The Key Habit of Successful Freelancers 03:40 Overcoming Perfectionism in Saving 06:37 The Power of Consistent Savings 09:12 Building a Safety Net with Small Contributions 11:51 The Psychology of Financial Habits 14:54 Real Success Stories from the Community 18:26 The Importance of Habits Over Windfalls 21:10 Encouragement and Resources for Financial Security If 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. Links: Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Check out my program, Money Bootcamp Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions Check out my program, Money Bootcamp
If you start to Google "retirement", you will see a lot of "rules of thumb". We list seven of them that may not apply anymore. Like this episode? Hit that Follow button and never miss an episode!
On this episode: Is the fear of running out of money a farce? How much could advisor and investment fees cost you over your retirement? What are we talking about in our year end meetings? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.
Tired of the market roller coaster? Discover how consistent income streams can bring peace of mind in retirement. Brandon Bowen explains why annuities—especially fixed index annuities—are gaining popularity, and how smart planning can help you avoid “rocking chair regrets.” Hear real-life stories of retirees who travel, support family, and enjoy life without stressing over market swings. Learn how an income inspection can reveal risks and opportunities for your financial future. 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.
Most of us are worried about the stock market or taxes taking our retirement money. But there is another villain out there and it could be the biggest thief of all. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.
In this episode of Five Minute Finance, Mike Morton and Matt Robison dig into the reality of the midlife “cash squeeze.” From kids' sports and college to aging parents and the uptick in everyday expenses, money feels tight. They'll discuss when it's actually okay to pause retirement contributions, the dangers to watch out for, and how to create a smart, temporary plan that keeps your long-term goals on track.Are you ready to create your ideal lifestyle? Let's Connect.Learn more about Mike and my services at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/
With pensions part of the equation, am I taking on too much risk within my retirement account? Have a money question? Email us here Subscribe to Jill on Money LIVE Subscribe to Jill on Money Newsletter YouTube: @jillonmoney Instagram: @jillonmoney To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! This conversation with Nolan Baker focuses on the essential aspects of retirement planning, emphasizing the importance of understanding tax implications, creating reliable income streams, and the role of Social Security. The discussion highlights various strategies to minimize taxes and ensure a stable financial future for retirees. It encourages proactive planning and regular consultations with financial professionals to optimize retirement income and tax efficiency. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.com See omnystudio.com/listener for privacy information.
Research conducted by the Irish-owned network of financial advisers Ask Acorn has found that the average Irish woman's pension pot is 40% lower than a man.While one in four men have no retirement savings, the figure rises to more than a third for women in Ireland.Charlie Weston, Personal Finance Editor with the Irish Independent, spoke to Matt on Wednesday's show.Hit the ‘Play' button on this page to hear the chat.
Your 60-second money minute. Today's topic: Retirement Savings In Private Investments...Debate
Kimberly Flynn, President at XA Investments, discusses the recent executive order signed by President Trump that allows a dramatic expansion of alternative assets to be part of 401(k) and other retirement plans. While the headlines have made it seem like crypto bros will blow up their retirement plans with alternatives, Flynn discusses how many firms running life-cycle and target-date funds may decide to make allocations to more alternative asset classes, which could create opportunities for interval funds or closed-end funds. She also discusses when and if Bitcoin and other cryptocurrencies might be available in some from of closed-end offering.
Jeff Kowal opens the show with a reminder about retirement account portability then discusses waning and waxing sibling bonds and how to safeguard them. Chaunsy Weisensel joins to share insights and tips for those who wish to retire early. Then Jeff touches on scam losses and taxes and wraps up the show with thoughts on estate planning priorities for people without children.
Welcome back to the Know Your Numbers REI podcast! In this episode, host Chris McCormack dives into the second costly mistake people make regarding their taxes: treating a brokerage account like a retirement plan.Join us as we explore the implications of investing in brokerage and cryptocurrency accounts without considering the tax consequences. Chris shares personal experiences and insights from clients to highlight the importance of understanding how taxes can impact your investment returns.Learn about more tax-friendly alternatives, such as Roth IRAs and cash value life insurance, that can help you maximize your savings and minimize your tax burden. Discover how proper planning can lead to greater peace of mind and financial security in retirement.If you find this episode valuable, please share it with friends and leave us a five-star rating and review! Don't forget to follow our Spotify and Apple podcast channel for more weekly content.Stay tuned for next week's episode, where we'll continue our discussion on the seven costly tax mistakes, focusing on real estate-specific strategies.God bless you and keep moving forward!••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.
You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna offers insights from experts on what rate of withdrawal makes sense based on current and projected cost of living, and the importance of building flexibility into your retirement plan. Also on MoneyTalk, how a surprising new type of scam is turning the model for retail fraud on its head, and when to consider taking social security early. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/25/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.
You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part-time job? Also, "Elwood Blues" in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when "Elwood" can really put down that harmonica. Free financial resources & episode transcript: https://bit.ly/ymyw-544 Complete the 8th Annual YMYW Podcast Survey by 5pm Pacific on August 31, 2025, for your chance at a $100 Amazon e-gift card! (secret password: ymyw) WATCH 15 Maneuvers to Duck an Unplanned Early Retirement Knockout on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast with Joe Anderson, CFP® and Marc Horner, CFP® 00:49 - Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA) 12:03 - Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment 13:11 - I'd Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL) 27:10 - Next Week on YMYW Podcast: The One Big Beautiful Bill + More 27:40 - YMYW Podcast Outro
In this episode of "Beer and Money," Ryan Burklo explores why many people feel financially stressed despite having significant retirement savings. He highlights the importance of taxable brokerage accounts in providing financial flexibility and reducing stress. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo TAKEAWAYS Many individuals feel financially constrained because their savings are tied up in retirement accounts. Taxable brokerage accounts offer liquidity and flexibility, allowing access to funds without penalties. Balancing retirement savings with liquid investments can reduce financial stress and improve quality of life. Properly structured taxable accounts can offer tax advantages through long-term capital gains. CHAPTERS 0:00 - 0:45: Ryan introduces the topic and common financial stressors. 0:46 - 1:30: Discussion on why retirement accounts alone may not suffice 1:31 - 2:45: Exploring the flexibility and advantages of taxable accounts 2:46 - 3:30: How to achieve a financial balance for reduced stress 3:31 - 4:14: Final thoughts and where to find more information
In this episode of Creating Richer Lives, host Karl Eggerss discusses the necessity of financial planning, especially as one approaches or enters retirement. Starting with a useful tip on the retirement savings lost and found database, Karl delves into a recent consultation where a couple pondered whether they needed a financial advisor. Through a comprehensive analysis of their financial situation, Karl illustrates the various areas where professional guidance can add value, such as investment allocation, tax strategies, and long-term financial goals. He emphasizes that financial planning is a dynamic process that requires ongoing adjustments to optimize outcomes for various life stages. 01:49 Secure Act 2.0 and Retirement Savings 03:26 Do You Need a Financial Advisor? 04:57 Optimizing Your Financial Plan 10:07 The Importance of Financial Planning 13:47 Adapting to Life Changes
This week's show covers municipal bonds, rules-based investing, a hierarchy for retirement savings, and lots more!
Tax planning might be the most consequential part of your retirement plan... If you plan well, you could save yourself hundreds of thousands of dollars over your lifetime. If you don't plan at all, you could give up a huge amount of your hard earned savings.In this episode, I share 5 of the most common tax planning mistakes that I see as a retirement planner.
On this episode: How much should we follow the investment moves of people like warren Buffett? New data on what people need and spend in retirement. A retirement lesson from George Carlin. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.
Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Carl Hall CFA, a wealth advisor at CapTrust who helps individuals and families manage their financial lives and achieve their unique goals. CapTrust specializes in delivering financial planning, portfolio management, and investment advice—helping clients navigate complex decisions with confidence. In this episode, Carl dives into the often-overlooked connection between healthcare decisions, price transparency, and retirement planning. From choosing the right health plan during open enrollment to understanding how HSA's can strengthen your retirement security, Carl breaks down how your medical choices today can significantly impact your financial freedom tomorrow. Key Topics Covered: 1. Making Smart Open Enrollment Decisions Why many people miss out on the optimal health plan and how to avoid common mistakes. 2. Understanding Health Plan Costs The real impact of premiums, deductibles, and co-insurance on your finances. 3. Affording Healthcare in Retirement Strategies to prepare for medical costs later in life. 4. The Shoeboxing Approach A practical method for tracking healthcare expenses. 5. FSA vs. HSA The key differences and why HSAs can be a powerful retirement tool. 6. Changes in the DPC Ecosystem What's new and how it affects both patients and providers. 7. Healthcare Price Transparency & Retirement Security How knowing the cost of care can protect your long-term finances. 8. Aligning Provider & Patient Interests Why DPC providers should have the same goals as their patients. Listener Takeaways: How your healthcare plan choice can directly impact your retirement savings. Why HSAs are a game-changer for long-term financial health. The value of price transparency in protecting your future wealth. How to align healthcare decisions with your financial freedom goals. Resources Mentioned: CapTrust Price Transparency Tools Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Carl Hall CFA, Wealth Adviser at CapTrust
Pam and Jim in Phoenix are 38 and 41 and want to retire at 59 and 62. Matt and his wife in Pennsylvania are both 39 and want to retire at 57. Are these millennials on the right financial path, or have they brunched and YOLO'd away their retirement dreams? That's today on Your Money, Your Wealth® podcast number 541 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, do Roth conversions make sense for Will and Jane in New York, given their high income and high tax bracket? Which pension option is best for their circumstances? Finally, the fellas spitball for Juan's mother in Florida on how long-term capital gains on the installment sale of her company will be taxed. Free financial resources & episode transcript: https://bit.ly/ymyw-541 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! LIMITED TIME OFFER: Download The Money Makeover Guide before this Friday, August 8, 2025! WATCH Complete Money Makeover on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:44 - We're Millennials. Have We Brunched and YOLO'd Away Our Retirement Dreams? (Pam & Jim, Phoenix, AZ) 12:10 - We're 39 With $840K. Can We Retire at Age 57? (Matt, PA) 22:57 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 23:53 - Do Roth Conversions Make Sense Given Our High Income and Tax Bracket? What Pension Option is Best? (Will and Jane, NY - voice) 37:04 - Watch Complete Money Makeover on YMYW TV, Download the Complete Money Makeover Guide before Friday, August 8, 2025! 37:46 - How Will Long Term Capital Gains on the Installment Sale of My Company Be Taxed? (Juan's Mother, FL) 47:50 - YMYW Podcast Outro
What do control, perfectionism, and money have in common? For many of us, they're deeply rooted in childhood wounds, and they're the very blocks standing between us and our manifestations.In this heartfelt Q&A episode, Lacy and Jessica respond to powerful community questions that crack open the real energetics behind love, money, motherhood, and glass ceilings. Whether you're navigating burnout, trying to call in more income, or craving peace while juggling life's many demands, this conversation offers guidance, tools, and expansion to help you move forward. You'll hear personal revelations from Lacy and Jessica about their own inner child programming around control; how it shows up in work, relationships, and even wedding planning. And they offer expansive, grounded advice to two listeners: one manifesting full-time motherhood and another trying to break through a financial glass ceiling while living paycheck to paycheck.This episode is for anyone working through the TBM Money Challenge, or anyone asking: “Why do I still feel stuck?” Because often, the block isn't what you think—it's what you've normalized. So tune in for deep permission to slow down, reassess, and come back into alignment with what's truly authentic for you. The abundance you're calling in might just require a little less effort—and a little more letting go. Stay tuned for Part 2 in a few weeks!Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE$22/monthJoin the Pathway MembershipSale ends July 20th at 11:59pm PST Join our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMNeed motivation during the Money Challenge? Join Jessica's Free IG Money Challenge Chat!Join our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are atJoin the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Seed - Use 25MAGNETIC at checkout for 25% off your first month@seed's DS-01® Daily Synbiotic Bon Charge - 15% off with code MAGNETIC Red Light Neck and Chest Mask Everyday Dose - Go to everydaydose.com/TBM and use code TBM for 45% off your first order.Get 45% off your first subscription order of 30-servings of Coffee+ or Bold+. You'll also receive a starter kit with over $100 in free gifts. In This Episode We Talk About:How perfectionism and control are rooted in childhood trauma and old patterningThe connection between love and moneyThe inner child belief: "If I let go, it will all collapse"Defining your authentic “why” for abundanceReframing beauty as spiritual and energetic nourishmentThe abundance found in nature and somatic peaceConnecting to sensory environments that regulate and groundRevisiting authentic code to reflect internal expansionNavigating motherhood, generational trauma, and money energeticsBreaking consumerist hypnosis to create true financial freedomUsing “the opposite is the medicine” for financial and personal growth Mentioned In the Episode: Channeling with Lacy - 2025 EnergeticsTake our Free Money Quiz - find out what level of wealth consciousness you are atShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode!Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Stripped DI, Embodied DI, and Inner Child DI) Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast
What if your financial story was something you felt empowered and excited by?In this episode, Jessica sits down with Britt Baker, seasoned investor and co-founder of Dow Janes. Britt has a background in consulting and a degree from Harvard Business School, however, it wasn't until years later, when she saw many of her close friends struggling with their own finances that she realized how many women lacked the financial literacy to build wealth.In this conversation, Britt breaks down the exact steps she teaches to get out of debt, build an emergency fund, invest with confidence (even if you've never done it before), and move from financial fear into financial freedom. – basically, everything you wish you learned in school. This is more than a conversation about saving and investing—it's a holistic look at how healing your relationship with money unlocks manifestation. If you've ever felt stuck in survival mode, afraid to look at your bank account, or convinced investing “just isn't for you,” this episode is for you. Get ready to rewrite your money narrative and step into the identity of someone who is not only financially secure, but magnetic.Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE! $22/monthJoin the Pathway MembershipJoin our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMJoin our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are at Join the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Bon Charge - 15% off with code MAGNETIC Infrared PEMF MatThe BON CHARGE Infrared PEMF Mat is my absolute go-to product! I use it almost daily to ground my nervous system, drop in deeper into my meditations & help my body recover after big hikes. The highest quality and most biohacking stacked mat I've seen on the market! Use code MAGNETIC at checkout for 15% off. us.boncharge.com/MAGNETIC Sundays for Dogs - 40% off with code TBMGet 40% off your first order of Sundays. Go to sundaysfordogs.com/TBM or use code TBM at checkout. In This Episode We Talk About:Navigating unemployment and finding income portalsThe power of non-dream jobs to shift financial energyConscious and values-aligned spendingShame, money stories, and how to rewrite your financial narrativeThe truth about credit card debt and how to escape the cycleRetirement accounts demystified (Roth IRA, 401k, SEP IRA)Investing for beginners: ETFs, funds, and dollar cost averagingWhy community can be essential for financial transformationUnderstanding emotional triggers behind impulse spendingBuilding an FU fund and setting financial boundariesThe mindset shift from survivor to creatorAligning money habits with long-term manifestation goals Mentioned In the Episode: Blog Post: Stress-Free Investment Strategy: Dollar Cost AveragingTake our Free Money Quiz - find out what level of wealth consciousness you are at Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Validation DI and Inner Child DI) Connect with Dow Janes!Join the Money Reset Retreat - use coupon code EXPANDED for $10 off their virtual seminar@dow.janes on IGFollow Dow Janes on Youtube Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast
