Podcasts about rmd

On this episode: A thought that might change your whole attitude about retirement. Fees, taxes, and overlapping. A few things to watch out for in your 401(k). Putting your retirement in jeopardy because you want to help your kids. 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.

As the year winds down, it's the perfect moment to double-check your tax strategy and make sure you're setting yourself up for long-term savings, not just short-term deductions. Today, Nick and Jake break down five smart tax moves worth considering before December 31st. A few intentional decisions now can save you money this year and put you in a better position for the years ahead. Here's what we discuss in this episode:

Kevin Brucher discusses essential financial strategies to consider before the year ends. He emphasizes the importance of tax loss harvesting, Roth conversions, and understanding required minimum distributions (RMDs). Kevin also highlights the significance of protecting personal finances amidst rising national debt and offers insights into health savings accounts and charitable giving. The conversation covers maximizing retirement contributions and the need for progressive tax reforms to address wealth inequality. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

Guest: Jun-ichi Abe, MD, PhD Cancer therapies can trigger both acute and chronic vascular effects, from treatment-induced hypertension to long-term atherosclerotic changes. Learn more as Dr. Jun-ichi Abe shares insights from his presentation at the 2025 American Heart Association Scientific Sessions. Dr. Abe is a Professor in the Department of Cardiology at The University of Texas MD Anderson Cancer Center in Houston.

A recent study explored the emerging role of KCNQ5 potassium channels in vascular smooth muscle regulation and their potential as therapeutic targets to promote vasodilation and manage blood pressure. Hear from Dr. Geoffrey Abbott as he dives into cutting-edge research using a CRISPR-generated KCNQ5 knockout rat model, revealing critical insights into adrenergic signaling, vascular reactivity, and the vascular effects of aloperine. Dr. Abbott is a Professor and Interim Chair of Physiology and Biophysics at the UC Irvine School of Medicine, and he also spoke about this topic at the 2025 American Heart Association Scientific Sessions.

Guest: Susan Davis Emerging research is challenging long-held assumptions about the roles of estrogen and testosterone in women's health—particularly in the context of aging and cardiometabolic risk. Hear from Dr. Susan Davis as she reviews the evolving evidence. Dr. Davis is an endocrinologist as well as the head of the Women's Health Research Program and a Professor of Women's Health at Monash University in Melbourne, Australia. She also spoke about this topic at the 2025 American Heart Association Scientific Sessions.

In this episode of Retire in Texas, Darryl Lyons offers a general year-end reminder list to help listeners stay organized as they review their financial and tax-related items. As the year closes, Darryl walks through several topics that individuals and families may want to revisit with their tax or financial professionals. He breaks the discussion into four broad areas: Considerations such as reviewing pay stubs, retirement distributions, and personal budgeting tools to help ensure your information is accurate. General guidance on contribution deadlines, RMD requirements, Roth conversion considerations, and recent legislative updates. An overview of options like Qualified Charitable Distributions and donor-advised funds that some people use as part of their charitable giving approach. Information on 529 plans, medical account deadlines, the annual gift-tax exclusion, and the new age-related deduction created under recent legislation. Darryl also shares personal observations and real examples that illustrate how these year-end reviews can help individuals stay aware of key requirements. This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice. Listeners should consult their tax professional, CPA, or financial advisor before making decisions related to their personal situation. If you benefitted from today's episode, feel free to share it with your family and friends!

If you get a distribution from your 457, it may feel like income that you can do whatever with. This time of year, it may be tempting to spend it on a Christmas retreat or a New Year's reset, but is that going to steal your retirement nest egg? Nate Reineke and Chelsea Jones break down how that distribution can be used to bolster your retirement plans and how for Physician Family clients, it is already factored into their plan. We also answer your colleagues' questions. A Surgeon in New York says, “We are a little bit ahead on college savings for our 7 and 9 year old children, should we slow down?” Retired Family Medicine Doc in Oregon wants to know if they should do QCDs next year? A Psychiatrist in Chicago asks, “We want to move to a better neighborhood and buy a house that is twice as expensive as our current home. If we can afford the monthly mortgage, why not do it?” A Retired Urologist in Oregon is wondering, “Should we consider taking more than just the RMD in our inherited IRA in order to reduce ballooning during the end of the 10-year period, causing our taxable income to spike?” Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about why everybody is watching Nvidia earnings, why the market has dipped recently, the two big ‘ifs’ hanging over the market, and what to know about RMD time. Terry, as always, answers all of your financial questions.

In this episode of Behind the Wealth, we break down three important topics for anyone planning for retirement. First, we explore the “Rule of 1,000 Hours” — the idea that what you do with your time in retirement matters just as much as how much money you've saved. Then we look at nine things experts say you should stop doing in the five years before you retire, from ignoring your spending to delaying tax planning. Finally, we answer a listener question about the Rule of 55 and explain how it works for people considering early retirement. Tune in for practical guidance to help you build a retirement that works both financially and personally. Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Guest: Brian Gill, M.D. Brian Gill, M.D., a neurosurgeon at NewYork-Presbyterian and Columbia, talks about a new clinical trial evaluating a device that can temporarily open the blood-brain barrier (BBB) to more effectively treat glioblastoma. Dr. Gill explains how this new sonication device uses focused ultrasound to temporarily disrupt the BBB in order to administer chemotherapy directly into the tumor bed. The trial is building on promising results from phase 1 and phase 2 trials, which demonstrated safety, efficacy, and the potential to enhance quality of life for patients with recurrent glioblastoma. © 2025 NewYork-Presbyterian

The ASX 200 closed up 2 points to 8636 in a quiet session ahead of a big week in the US. Good comeback after a near 50 point fall this morning.  Some signs of confidence returning with banks seeing a resumption of the sell CBA, buy the other three switch. The Big Bank Basket fell to $272.47 (-0.4%) as CBA dropped 1.0%. MQG ex-dividend today, down 2.3% with financials slightly firmer, QBE up 0.5% and HUB up 2.7% with NWL gaining. REITs firmed, GMG up 0.5% and CHC up 1.7% with industrials finding their feet, LNW up 3.3% with WTC up 1.2% although XRO fell another 0.1%. Retailers firmed, UNI up 1.7% and PMV up 2.1% with DMP gaining another 5.1%. GYG continue to fall, down 1.8%. Healthcare eased back, RMD under pressure off 2.1%, CSL down 0.8% and SHL slipping 1.5%. Resources were mixed, BHP fell 0.6% on the UK court ruling, RIO and FMG both better on higher iron ore prices in Asia, lithium staged a comeback, PLS up 3.7% and IGO rising 0.9%. LYC also bounced 5.5% with gold miners mixed. No significant damage done. GMD up 2.5% on a broker upgrade. Energy stocks all better, WDS up 0.9% and ALD rising 3.8%. IPX fell 3.0% after a return to trade following a report from Spruce Capital.PME jumped 4.2% on another $44m deal with Advanced Radiology. Some management changes, RHC rose 1.8% on a new CFO, MSB rallied 5.0% on a new CFO too with FPR better on an acquisition. ELD gained 6.3% on better than expected results.Nothing locally on the economic front. RBA board member wrote a column on the RBA mandate. In Japan, GDP came in better than expected.Asian markets weaker with Japan down 0.4%, China down 0.4% and HK off 0.6%.European markets set to open slightly weaker.Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you.If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

✈️ Retire Pilots the Right Way!

In this episode, we break down the latest economic headlines—from stubborn inflation and the Fed's recent rate cut to new data showing why retirees feel less confident even in a strong market—and what it all means for your money. Plus, we answer a listener's question about how to navigate the worry of a potential market decline.  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast number 555. Christine just retired at 59 and wants the smartest way to draw income before Social Security, without letting taxes take a third of it. Prickly Richard and Margarita Maggie have a plan to "pull ahead" some Roth conversions now to dodge an RMD avalanche later. Will it work? And the Michigan Queen and Mississippi Boy are wondering whether to save harder for retirement or college for three kids currently under the age of 5. Free Financial Resources in This Episode: https://bit.ly/ymyw-555 (full show notes & episode transcript) Tax-Free Retirement Guide - NEW! Free download How To Retire Tax-Free With A Smart Income Plan on YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:53 - I Retired at 59. What's My Best Retirement Withdrawal Strategy Before Social Security at 62? (Christine) 13:50 - Should We Do Roth Conversions Before Being Hit With the RMD Avalanche? (Prickly Richard & Margarita Maggie, Tucson, AZ) 26:20 - Saving for Early Retirement at 55 vs. Saving for Kids' Future (Michigan Queen & Mississippi Boy, TN) 39:53 - Outro: Next Week on the YMYW Podcast

What should you do with your 401(k) when you retire—and how do you turn that nest egg into reliable income? This episode explores the crucial decisions facing new retirees, from rolling over your 401(k) to an IRA, to consolidating accounts, and analyzing payout options. Brandon Bowen shares real stories of clients who found confidence and freedom by making smart choices, streamlining their finances, and maximizing their required minimum distributions. Get practical insights for turning your savings into a stress-free retirement. 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.

In this episode of Beer and Money, Ryan Burklo discusses the essential rules and obligations associated with inheriting an IRA. He explains the importance of understanding required minimum distributions (RMDs), the tax implications of withdrawals, and the necessary steps to set up an inherited IRA correctly. The conversation emphasizes the need for strategic financial planning and coordination with tax professionals to ensure compliance and optimize tax outcomes. 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 RMD website Ryan mentions: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary #InheritedIRA #RMD #taximplications #financialplanning #beneficiaryIRA #retirementaccounts #estateplanning #taxstrategy #financialadvice #IRArules   Takeaways Inheriting an IRA means dealing with tax obligations. Required Minimum Distributions (RMDs) must be understood and managed. If the deceased did not take their RMD, beneficiaries must ensure it is taken. Beneficiaries have a 10-year window to distribute the inherited IRA funds. Retitling the IRA to an inherited IRA is crucial. Withdrawals from an inherited IRA are taxable as ordinary income. Coordination with a CPA is essential for tax strategy. Each RMD impacts the beneficiary's tax bracket. Setting a schedule for RMDs helps in financial planning. Understanding where to allocate the withdrawn funds is important. Chapters 00:00 Understanding Inherited IRAs 03:00 Key Rules for Distributions 05:49 Setting Up Your Inherited IRA

Jeff Sheppard of The Family Wealth Group talks to Jack and listeners about transferring funds from one IRA to the other when changing employers and the stipulation of RMD's on the tax year if that doesn't happen. See omnystudio.com/listener for privacy information.

Host: Brian P. McDonough, MD, FAAFP Guest: Phil Ayers, PharmD, BCNSP, FMSHP, FASHP With the potential to reduce infection risk, improve operational efficiency, and enhance safety through standardization, multi-chamber bags are increasingly being used as an alternative to traditional compounded parenteral nutrition. To explore this approach and how it can be implemented in hospital and home care settings, Dr. Brian McDonough speaks with Dr. George Phillip Ayers. He's an Associate Clinical Professor at the University of Mississippi School of Pharmacy as well as the Chief of Clinical Pharmacy Services in the Department of Pharmacy at the Mississippi Baptist Medical Center in Jackson.

Host: Jennifer Caudle, DO Guest: Samuel Klempner, MD Guest: Nataliya Uboha, MD, PhD Testing for biomarkers like PD-L1, HER2, claudin 18.2, and FGFR2b is reshaping our approach to first-line therapy in advanced gastric and gastroesophageal junction cancers. Alongside biomarker profiling, we must also weigh practical considerations around efficacy, toxicity, and patient-specific factors when selecting treatment. Joining Dr. Jennifer Caudle to explore how we can optimize our first-line treatment selection are Drs. Samuel Klempner and Dr. Nataliya Uboha. Dr. Klempner is an Associate Professor of Medicine at Harvard Medical School, and Dr. Uboha is an Associate Professor in the Division of Hematology and Oncology in the Department of Medicine at the University of Wisconsin.

The ASX 200 kicked 66 points higher to 8836 (0.8%) as news of a Senate vote to end the shutdown brought risk appetite back. ANZ results helped the banking sector as the market warmed to the transformation story, with the stock hitting record highs, up 3.2%. The Big Bank Basket rose to $295.69 (0.2%) with CBA slipping slightly.Financials were better, as MQG found some analyst love and ZIP rose 4.5% on Nasdaq listing news. NWL rallied 2.4%, with XYZ bouncing hard, up 6.9%. Insurers firmed; REITs were mixed, with GMG down 1.3% and SCG up 0.7%.Healthcare was also mixed as CSL fell 0.1% and RMD rose 0.6%. Industrials perked up after a lacklustre start, TLS up 0.6% with QAN rallying 2.3%, and the tech space doing well — WTC gained6.2 % and XRO rose 1.0%, with the All-Tech Index up %.Resources were also in demand — gold miners kicked higher, NST up 3.5% and EVN up 3.9%. Lithium stocks enjoyed a day out, PLS up 9.2% and MIN gaining 4.0%. Rare earth stocks were back in favour, LYC up 4.8% and ARU rallying 7.8% to its SPP price. Energy stocks were also in demand, WDS up 1.2% and PDN rose 7.9%, with LOT up 5.9% as uranium found favour.In corporate news, MND rose 11.0% on a trading update, DOW hit a five-year high on a solid opening higher $750m Chevron deal, and DNL exploded 7.8% higher on improved results. AUB flat on news that CVC Asia joined the fray. AGL rose 1.6% after it agreed to divest its stake in Tilt Renewables. MYX fell 5.9% on news Cosette will appeal the court decision.Asian markets – HK up 0.9%, China off 0.1% and Japan up 1.3%.  US futures strong on shutdown hopes. Nasdaq up 307 Dow up 98. European markets set for a strong opening. Want to invest with Marcus Today? Our MT20 portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

CME credits: 0.50 Valid until: 07-11-2026 Claim your CME credit at https://reachmd.com/programs/cme/updates-in-major-depressive-disorder-with-insomnia/36556/ Approximately 75% to 90% of patients with depression experience insomnia. This means that a very significant portion of individuals struggling with depression also have difficulty sleeping. Join Drs. Michael Thase and Andrew Krystal for this expert discussion to learn about the most recent data presented at the Psych Congress 2025 in San Diego on emerging therapies, such as the selective OX2R antagonists to treat major depressive disorder with insomnia. =

When you turn 73, Uncle Sam says you have to start taking money out of your 401(k) and IRAs. But what if you don’t need it to live? Does it become a big tax headache? Greg breaks down how the RMD options. 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.

Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy

Required Minimum Distributions (RMDs) can create unexpected tax burdens and impact your retirement income strategy if you're not prepared. In this episode, we break down six smart financial moves to make before RMDs begin at age 73, so you can stay in control of your taxes, income, and investment strategy. Whether you're approaching RMD age or helping a parent prepare, this episode gives you the tools to protect your wealth and avoid common retirement pitfalls. 0:19 - Winners & Laggards in Earnings Season 4:30 - Earnings Season Beats Are Not Being Rewarded 9:39 - Time to Think About Taxes and RMD's 14:34 - Changes to RMD Rules 17:16 - Tapping the IRA First 20:01 - Qualified Charitable Distributions (QCD) 22:12 - RMD Deferral 25:43 - The Backdoor Roth 27:00 - Tax Savings with 401k 29:25 - The Retirement "Smile" 32:35 - When's the Best Time to Take RMD? 36:24 - Special Considerations 37:46 - Adulting at the Library Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=G0B99SnHJ4U&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=24s ------- The latest installment of our new feature, Before the Bell, "Earnings Beat, Stocks Drop" is here: https://www.youtube.com/watch?v=6B2pV8tKyHw&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our Previous Show, "Smart or Risky? How Investors Are Adapting to Today's Markets," is here: https://www.youtube.com/watch?v=GyKGGi6LSV8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #EarningsSeason #StockMarket #RiskManagement #Investing #RetirementPlanning #FinancialAdvice #TaxStrategy

Roth Conversion Secrets Your Financial Advisor Won't Tell You #retirementplanning #retirement #financialplanning #podcast If you've built a portfolio between $2M and $7M, and you're either retired or nearing retirement, this video is for you. I'm Andrew Nida, President of Asset Management Group, Inc., and in this video you'll get a step-by-step, rules-based guide to converting your pre-tax retirement assets into a Roth the right way. No hype. No generalities. Just actionable strategy. You'll learn: The five critical factors we always review for clients in your asset-range (burn rate, age & RMD timeline, future tax rate, estate impact, bracket/IRMAA guardrails). The rules and traps you absolutely cannot ignore (taxable income of a conversion, five-year rule, state tax issues, Medicare surcharge risk). A multi-step plan built for those with $2M–$7M: how to measure, model, convert, monitor. Why 2025-2026 may be one of the last big windows for this strategy (thanks to recent tax law changes). Follow us onX.com: https://x.com/AMGinc_ATLInstagram: https://www.instagram.com/assetmanagementgroupinc/LinkedIn: https://www.linkedin.com/company/amgincatl/Facebook : https://www.facebook.com/beyondtomorrowpodcastWebsite: https://www.assetmg-inc.com/YouTube: https://www.youtube.com/@assetmanagementgroupincTikTok : https://www.tiktok.com/@assetmanagementgroupincBlog: https://www.assetmg-inc.com/blogDisclosureEducational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.roth conversion,Roth Conversion Secrets,finance,retirement planning,roth ira,personal finance,investing,financial planning,conversion,retirement income,social security,taxes,how to invest money,401k,financial advisor,tax strategies,estimated taxes explained,dave ramsey,financial education,ira,IRS,roth ira explained,roth ira vs traditional ira,how to make money,retirement,dividend investing,tax free,medicare,one big beautiful bill,Andrew Nida,Podcast,AMG

Segment 1: Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about the market being up by a few hundred points today, why she’s concerned about the strength of the market, the importance of having ‘chicken money’ right now, and what you need to know about RMD time. And as always, Terry answers all of […]

Building wealth takes time, patience, and strategy. This week, we discuss Morgan Housel's reminder that “wealth requires long-term effort”, what to consider for year-end Roth conversion opportunities — and answer a listener's question about what to do when IRA withdrawals outpace spending and money is sitting in the bank. Get started on your path to financial freedom. Download our Rothification Guide: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Your 401(k) is going to take some thought and effort in retirement. Do you rollover to a personal IRA? What is an RMD and what do you need to know? Am I headed for a tax problem? Let’s get you the answers. Like this episode? Hit that Follow button and never miss an episode!

On this episode: Want to know how much to save? Look at how people spend in retirement. One long retirement rule says if you only spend 4% of your retirement money per year, you’ll never run out. Is it true? People will many times leave their financial advisor when THIS happens. Like this episode? Hit that Follow button and never miss an episode!

Jim and Chris discuss listener questions on Social Security COLA timing, spousal claiming strategy, IRMAA tax treatment, Roth IRA rollovers from 529 plans, and a listener PSA on deferred annuity RMD rules. (8:00) Georgette asks whether her initial Social Security benefit—approved in September for a December start—will reflect the January COLA increase. (15:30) A listener […] The post Social Security, IRMAA Taxation, 529 Rollover, Deferred Annuities: Q&A #2544 appeared first on The Retirement and IRA Show.

In this episode of Behind the Wealth, Roger and Elias unpack two hot topics for retirees and pre-retirees: why some Baby Boomers may be off track for retirement — and how to decide the right time to claim Social Security. Get started on your path to financial freedom. www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Host: Peter Buch, MD, FACG, AGAF, FACP Guest: Paul Adams, MD Hemochromatosis, a genetic condition that causes the body to absorb too much iron from food, often goes unrecognized despite its prevalance. With unique diagnostic and management challenges, it's crucial to understand how it presents, which testing strategies are most effective, and what treatment options are available. Tune in to hear Dr. Peter Buch and Dr. Paul Adams, Professor in the Division of Gastroenterology at the Western University in London, Canada, discuss the latest on hemochromatosis.

Guest: Joel Gabre, M.D, MPH On this episode of Advances in Care, host Erin Welsh and Dr. Joel Gabre, a gastroenterologist at NewYork-Presbyterian and Columbia who specializes in cancer care, discuss the ongoing rise in colorectal cancer rates among younger individuals. Dr. Gabre lays out trends observed by the medical community in colorectal cancer rates, including the increasing likelihood by birth cohort for patients to develop this disease. He also talks about the main differences in colorectal cancer for patients from these different cohorts, most notably the location where cancers are likely to develop in the colon. In addition, Dr. Gabre shares some of the leading hypotheses for why colon cancer rates are rising in younger people, and how clinicians and researchers are focused on searching for answers to improve prevention and treatment options. He gets into the importance of the western diet in developing these forms of cancer and shares details about his team's recent findings regarding changes at the cellular level that could be contributing to the accelerated growth of these cancers. Finally, Dr. Gabre speaks to his personal experiences as a gastroenterologist who has seen first-hand the rise in colon cancer rates among his younger patients. He shares a story of what …

In this episode of Dollars & Sense with Joel Garris, listeners are treated to an insider's perspective from a prestigious investment conference attended by just 100 select guests and hosted by one of the world's largest asset managers. Joel kicks off with a deep dive into the hottest topic in finance—Artificial Intelligence (AI). He explores AI's growing influence on investments, the labor market, and society, highlighting both its potential and the cautionary flags, such as possible overcapacity and the challenges it poses for younger generations. Joel then shifts focus to three major investment themes: the importance of national security in shaping investment decisions, the surge of private equity and private credit for everyday investors, and the need for careful portfolio allocation to avoid hidden overconcentration in growth stocks. Next, Joel breaks down everything you need to know about Required Minimum Distributions (RMDs)—from recent changes in age requirements to smart strategies for minimizing tax impact, including withholding and charitable giving. Whether you're nearing retirement or already enjoying it, this segment offers actionable advice to keep your finances on track. The episode also features a practical guide to Ladybird Deeds—an estate planning tool that helps homeowners transfer property to loved ones without the hassle of probate. Joel explains how Ladybird Deeds work, their advantages over traditional probate, and step-by-step instructions to implement this powerful tool. Rounding out the show, Joel reviews the latest market headlines, including a strong start to earnings season and how AI-driven efficiencies are helping corporate America outperform expectations. If you want to learn how AI is reshaping investments, the keys to managing your retirement withdrawals, and estate planning strategies that save time and money, this episode is packed with insights you won't want to miss.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Michael Wang, MD For patients with mantle cell lymphoma (MCL) who relapse after BTK inhibitor (BTKi) therapy, treatment decisions can be complex and time sensitive. That's why understanding how tumor biology and risk features can guide selection between immunomodulatory regimens and CAR T-cell therapy is essential. Tune in to hear Dr. Charles Turck speak with Dr. Michael Wang about practical, evidence-based strategies for managing relapsed/refractory MCL. Dr. Wang is a Professor in the Department of Lymphoma and Myeloma in the Department of Stem Cell Transplantation at MD Anderson Cancer Center in Houston, Texas.

As Halloween approaches, and thoughts turn to ghosts,goblins and things that go bump in the night, Nevin (Adams) & Fred (Reish) turned their focus to things that SHOULD have the attention of (and perhaps even scare) plan fiduciaries.Now, there are lots of things that require careful attention, selection and monitoring of plan assets and services by planfiduciaries; advisors and plan sponsors alike. But there are some things that may sneak up on even the most attentivefiduciary – things like:Your target-date fund glidepath(s) – Is it “to”retirement or “through” retirement, is it appropriate for your participant base, and do THEY know what it is (particularly at the projected date of retirement)?The degree of personalization in a “managed” account– How personalized is it, what data elements are considered, is the cost (relative to a target-date fund alternative) reasonable for the value provided, and who pays it?  Is it structured as a qualified default investment alternative (QDIA)? Cybersecurity – What provision(s) have your providersmade in securing participant data (particularly in view of the sample questions provided by the Labor Department), and are you prepared to deal with those questions in a DOL audit?    Participants that leave their accounts “behind” – Whatprocedures do you have in place to communicate with, and in some cases track down for distributing benefits?  Are youable to appropriately track and administer required minimum distributions (RMD)?Ignorance of fees – Do you know what fees are being paid by the plan, to whom, for what, and how? Personal liability – Plan fiduciaries are personally liable for the actions they take (or don't) with regard to plan administration.  Traditional organizational insurance policies don't cover that, nor does the fiduciary bond required. What provision(s) have you made to insure against that possibility?Episode Resources5 Things That (Should) Scare Plan Fiduciaries Target- Date FundsDOL: Target Date Retirement Funds - Tips for ERISA Plan FiduciariesCybersecurityDOL Cybersecurity Program Best PracticesTips for Hiring a Service Provider with Strong Cybersecurity PracticesCybersecurity tips for participantsParticipant “Leave Behinds”National Registry of Unclaimed RetirementBenefits: https://www.unclaimedretirementbenefits.com/A nationwide, secure database listing of retirement planaccount balances that have been left unclaimed by former participants of retirement plans.Retirement Savings Lost and Found Database: https://lostandfound.dol.gov/EBSA is helping America's workers and beneficiaries searchfor retirement plans that may still owe them benefits by establishing a public Retirement Savings Lost and Found Database through the SECURE 2.0 Act of 2022. This database serves as a centralized location to find lost or forgottenbenefits and get information on how to obtain those funds.Fiduciary Insurance5 Dangerous Fiduciary AssumptionsThe value of fiduciary liability insurance How plan fiduciaries can protect themselves from litigation Fiduciary liability insurance offers protection from claims | Invesco US

In this episode of Behind the Wealth, Roger and Elias break down recent trends showing more 401(k) investors shifting toward cash and bonds — and what that might signal about market sentiment heading into year-end. They also discuss a new report showing record-high credit card debt among Gen X and Millennials, and how rising balances could affect financial freedom down the road. Then, listener Jason asks: “We're 45, debt-free, and investing heavily in our 401(k)s — should we put our extra savings into a taxable account or boost our contributions?” The team explores how tax diversification, accessibility, and flexibility all play a role — especially for anyone eyeing early retirement before age 59½. Tune in to learn how to balance security and opportunity, avoid emotional moves, and keep your wealth strategy adaptable for whatever comes next. Get started on your path to financial freedom. www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

John asks if taking larger IRA withdrawals beyond his RMD to fund his daughter's Roth IRA makes sense as a strategy to reduce future RMDs, lower estate taxes, and pass on tax-free assets. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

In this episode of Behind the Wealth, Roger and Elias break down a few headlines that hit close to home, and the wallet. First up: the growing trend of people turning to AI for financial advice. Then, they turn to the rising number of student loan borrowers pressing “pause” on payments and what that means for household budgets and long-term goals. Finally, listener Rick asks a question many parents face: should you prioritize college savings or your own retirement? The team compares the pros and cons of each path and shares practical strategies to help families balance both — without shortchanging their future selves. If you've ever wondered how to invest in your children's education and your own financial independence, this conversation is for you. Get started on your path to financial freedom. www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

In this extended Friday Q&A episode, Don answers six listener-submitted questions covering a wide range of personal finance and investing topics. He kicks off with a fiery takedown of cryptocurrency as a viable asset class, arguing it's based on hype and the greater fool theory. Other questions explore whether pensions should count as fixed income in asset allocation, the performance of Dimensional and Avantis funds versus traditional index funds, the pros and cons of Collective Investment Trusts in 401(k)s, and the strategic timing of Social Security. He ends by clarifying a common misconception about RMDs and Secure Act 2.0. Expect smart insights, a little snark, and the kind of blunt honesty that's rare in financial media. 0:04 Listener Q&A returns with an extra dose—six questions this time 1:07 Confusing podcast scheduling clarified (sort of) 2:11 Crypto as an asset class? Don calls it “entirely invented” and dismantles the use case hype 4:32 If civilization collapses, your Bitcoin won't save you 6:06 Crypto = greater fool theory; Don braces for hate mail 7:30 Dimensional/Avantis vs. index funds—do the extra fees pay off? 9:13 A 15-year comparison: Dimensional Global Equity vs. VT 11:43 Should a pension count as fixed income? Don says no—it's a volatility game, not income 15:48 CITs (Collective Investment Trusts) in 401(k)s—cheaper, but less transparent 18:58 Index funds should be your benchmark; Don suspects this one's active 20:02 Claiming Social Security early to preserve Roth? Don says the math rarely supports it 23:59 Secure 2.0 and RMD confusion—born in 1959? You still take RMDs at 73, not 75 26:15 Tech keeps improving—Don urges retirees to stay sharp, stay curious Learn more about your ad choices. Visit megaphone.fm/adchoices

You asked, and we listened. In this episode of Coffee with Your Retirement Coach, we tackle one of the most common questions we get: "I'm 58 and have $2.4 million saved. Can I retire?" But as you'll hear, it's not just about the number on the page. We dive deep into what that figure could mean for your income, lifestyle, taxes, healthcare, and overall retirement vision. Join us as we break down the math behind the 4% rule and explore the often-overlooked factors that make or break a retirement plan—things like purpose, timing, Social Security strategy, and where and how you want to live. Plus, we share a real-life success story of a couple who made their beachside retirement dreams a reality.   **Timeline Summary** [0:06] - The $2.4 million question: Can I retire at 58? [1:25] - Why cash flow isn't the whole picture (think taxes and purpose) [2:38] - What a 4% withdrawal rate means for your retirement income [5:03] - Taking Social Security early: a controversial yet practical option [6:35] - Bridging the healthcare gap before Medicare kicks in [9:38] - The missing piece: lifestyle planning and location-based costs [13:08] - Real-life case: high-end travel vs. smart budgeting trade-offs [14:52] - Tax planning strategies to keep more of what you've earned [16:48] - The power of a retirement coach and building your dream team [18:08] - Client success story: from $2.4M to sunset strolls by the beach   **Final Thoughts** Retiring at 58 with $2.4 million? It's possible—but your success depends on your income needs, healthcare planning, tax strategy, and what kind of life you want to lead. If this episode hit close to home, subscribe, share it with a friend, and leave us a review. And as always, stay coachable!  

What if you’re missing out on thousands by ignoring the latest tax law changes? This episode breaks down the new rules for Social Security, Roth conversions, and self-directed IRAs, plus why timing matters for year-end retirement moves. Damon Roberts and Matt Deaton explain how to take advantage of low tax rates, avoid costly RMD penalties, and make smart decisions before December 31st. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

When your health fails, families often bear the emotional and financial cost. In this episode of Protect Your Assets, David Hollander dives into long-term care planning, from real-life caregiving challenges to understanding the true cost of in-home and facility care. Learn how to evaluate caregivers, what long-term care can cost in California, and how veterans or their spouses may qualify for the VA’s Aid and Attendance benefit to help pay for care. David also breaks down key RMD strategies for retirees age 73 and older, including how a QLAC can reduce taxable income and delay distributions. Plus, a brief market update and what to watch for as year-end approaches. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

When your health fails, families often bear the emotional and financial cost. In this episode of Protect Your Assets, David Hollander dives into long-term care planning, from real-life caregiving challenges to understanding the true cost of in-home and facility care. Learn how to evaluate caregivers, what long-term care can cost in California, and how veterans or their spouses may qualify for the VA’s Aid and Attendance benefit to help pay for care. David also breaks down key RMD strategies for retirees age 73 and older, including how a QLAC can reduce taxable income and delay distributions. Plus, a brief market update and what to watch for as year-end approaches. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

Jim and Chris discuss listener questions on Social Security spousal benefits, a listener PSA on IRMAA repayment silence, IRMAA reduction eligibility and planning considerations, and a PSA on how 60-day rollover Roth conversions affect year-end RMD calculations.(7:45) A listener points out a possible error from a recent episode and looks for clarification whether delaying benefits […] The post Social Security, Roth Conversions, RMD Calculations: Q&A #2540 appeared first on The Retirement and IRA Show.

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Jim and Chris discuss listener questions on IRMAA reductions and Roth-conversion effects, widow filing status and IRMAA, in-kind stock Roth conversions and RMD transfers, annuity RMD interactions, and 60-day rollover mail timing. (7:45) George asks whether an approved SSA Form 44 that reduced 2025 IRMAA will also govern next year, how a large 2026 Roth […] The post IRMAA, Widow Status, Roth Conversions, Annuity RMDs, and Rollovers: Q&A #2538 appeared first on The Retirement and IRA Show.