Podcasts about rmd

Most millionaires don't fail because they didn't save enough — they fail because they oversaved and never learned how to spend with confidence.In this episode, Adam Olson, CFP®, breaks down the Oversaving Trap — the silent habit that keeps high-net-worth retirees working longer, worrying more, and living smaller than they need to. You'll meet Nancy, a 64-year-old with $3.1M in savings who still feared retirement… until the Red Zone Retirement Planning Process completely reshaped her future.You'll learn:Why oversaving becomes a psychological prison for even the wealthiest retireesHow large Traditional IRAs create RMD tax bombs, higher Medicare premiums, and Social Security taxationHow Red Zone Retirement Planning shifts you from accumulation obsession to lifestyle-first cash flow designThe two-bucket strategy that separates needs from wantsHow strategic Roth conversions can eliminate future taxes and give you controlWhy Go-Go / Slow-Go / No-Go planning creates smarter, more enjoyable spendingThe mindset shift that finally gives retirees permission to live freelyIf you're within five years of retirement (or already retired), this episode will change how you think about money, freedom, and the purpose of saving.

We're deep into December, and the window for smart year-end tax planning is closing quickly. Taxes may not be at the top of your Christmas wish list, but they are an important reminder of God's provision—and an opportunity to honor Him through wise stewardship.As Scripture reminds us, “The earth is the Lord's, and everything in it” (Psalm 24:1). That includes the resources He's entrusted to us. Thoughtful planning isn't about avoiding responsibility—it's about managing God's gifts with intention and gratitude.Today, we sat down with Kevin Cross, a seasoned CPA who has helped countless families navigate taxes with clarity and confidence. As we approach December 31 and look ahead to 2026, here are some of the most important moves to consider.Rethinking Charitable Giving at Year-EndCharitable giving is always close to the hearts of our listeners, and year-end is an especially strategic time to consider it.Recent changes to the tax code—including a higher standard deduction and an expanded SALT (state and local tax) deduction—mean many households may now benefit from itemizing again. If that's you, making charitable contributions before December 31 could provide meaningful tax benefits.But even if your standard deduction is still too high to itemize, there's another strategy worth considering: bundling your giving. Instead of spreading donations evenly each year, you might combine two years' worth of giving into one year. That can push you over the itemization threshold and maximize the tax benefit—while still supporting the ministries and causes you care about.Why a Donor-Advised Fund Is a Powerful ToolIf you don't yet know precisely where you want to give, a donor-advised fund (DAF) can be an incredibly flexible option. We often call it a charitable checking account. You receive the tax deduction when you contribute to the fund, then take your time prayerfully distributing gifts to qualified charities.Kevin likes to say it's “the most fun fund you'll ever have”—because it encourages generosity while allowing your resources to be invested and potentially grow before they're given.For those who want to ensure their giving supports gospel-centered ministries, I recommend opening a donor-advised fund through the National Christian Foundation (NCF). It's a wonderful way to align generosity with faith-based impact. You can learn more at FaithFi.com/NCF.A New Opportunity for Children and Grandchildren (Starting in 2026)One of the most talked-about developments Kevin highlighted is a new child tax savings account (Trump Account), set to begin in 2026. While no action can be taken until then, it's worth knowing what to expect.Under this provision, eligible children may receive a government-funded seed contribution, and families can contribute up to $5,000 per year. Even more interesting: businesses may be able to contribute up to $2,500 tax-free under the right circumstances—while still receiving a deduction.What makes this especially notable for generous families is that donor-advised funds may be used to contribute to these accounts, creating new ways to bless the next generation while maintaining a strong commitment to charitable giving. Proper planning and paperwork will be essential, but this is an opportunity many families will want to explore.Qualified Charitable Distributions: A Missed Opportunity for ManyOne of the most underutilized tax strategies Kevin sees involves Qualified Charitable Distributions (QCDs)—and it always surprises me how many people don't know about them.If you're 70½ or older, you can give directly from your IRA to a qualified charity and exclude that distribution from taxable income. Once you reach the age for required minimum distributions (RMDs), this becomes even more powerful. Instead of taking the distribution, paying taxes, and then giving what's left, you can give directly—often satisfying your RMD without increasing your tax bill.And this isn't limited to small amounts. You can give up to $100,000 per year through QCDs. It's one of the most effective charitable strategies available, especially for retirees who want to give generously while managing their tax burden wisely.Stewardship with PurposeTaxes can feel complex, frustrating, or even discouraging—but they don't have to be. When we view them through the lens of stewardship, they become another opportunity to align our financial decisions with God's purposes.Kevin Cross brings both expertise and encouragement to this conversation, reminding us that wise planning isn't about fear—it's about faithfulness. If you'd like to learn more about Kevin and his work, you can visit KevinCrossCPA.com.As we close out the year, our prayer is that your financial decisions reflect gratitude for what God has provided—and confidence that He will continue to lead you as you steward it well.On Today's Program, Rob Answers Listener Questions:I have about $135,000 in my 401(k), and my home is worth around $100,000. Would it be advisable to cash out my 401(k) to pay off my house?I was recently told about a fixed-rate annuity offering a 22% bonus immediately. Does that sound like a good opportunity, or is it too good to be true?My mother-in-law, who's still living, deeded my husband five and a half acres out of a 13-acre property. We're considering selling that portion to his sister and want to understand the tax implications—what tax rate applies, whether there's an inheritance tax, and how that works.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Kevin Cross, CPAWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tom Fortino, Founder and Principal, Alpha Wealth Group, and host of “The Alpha Wealth Hour” on WGN Radio, joins John to talk about some year-end tips and things to be aware of before 2026, a reminder about your RMD, the economic data being released later this week, the Supreme Court decision on President Trump’s tariffs, what […]

Tom Fortino, Founder and Principal, Alpha Wealth Group, and host of “The Alpha Wealth Hour” on WGN Radio, joins John to talk about some year-end tips and things to be aware of before 2026, a reminder about your RMD, the economic data being released later this week, the Supreme Court decision on President Trump’s tariffs, what […]

Tom Fortino, Founder and Principal, Alpha Wealth Group, and host of “The Alpha Wealth Hour” on WGN Radio, joins John to talk about some year-end tips and things to be aware of before 2026, a reminder about your RMD, the economic data being released later this week, the Supreme Court decision on President Trump’s tariffs, what […]

Jim and Chris discuss listener emails starting with PSAs about IRMAA and Social Security spousal benefit applications, then questions on IRMAA, QLAC-related RMD rules, and a Roth conversion involving a fixed indexed annuity (FIA). (9:30) Georgette shares a PSA explaining that she successfully filed Form SSA-44 preemptively—before receiving an IRMAA determination letter. (21:15) A listener offers a PSA describing issues with an online Social Security spousal benefit application that was denied after being submitted separately from the working spouse's application. (29:45) The guys discuss how the Social Security Administration determines IRMAA when a tax return is delayed due to combat-zone service and whether a significant drop in income qualifies for Form SSA-44 relief. (38:45) Jim and Chris address whether overestimating income on Form SSA-44 results in a refund, how survivor benefits are affected if claimed early, and whether post-retirement employer coverage is treated as active employee benefits for Medicare Part B and IRMAA purposes. (50:45) George asks whether payments in excess of the RMD from a QLAC can be applied toward RMDs for other IRAs, or only toward the non-annuitized portion of the same IRA. (1:00:20) A listener asks how the pro rata rule applies to a Roth conversion when assets include a fixed indexed annuity (FIA) with a guaranteed lifetime withdrawal benefit. The post IRMAA, Social Security, QLACs, Roth Conversions: Q&A #2550 appeared first on The Retirement and IRA Show.

Hans and Robby are back again this week with a brand new episode! This week, they discuss required minimum distribution aka RMD.  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Gene and Alyssa answered questions and explored important topics: He is 80 and wants to know how to use buffered ETFs in his investment portfolio? She asks if her friend is being misled by her annuity salesman? She asks if there is a way to protect the retirement funds they currently have in the TSP? He asks if his partner will need to take an RMD from her 401(k) next year when she retires? She wants to know how to stop her father from changes his will? Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

#668: We're joined in-studio by David Bach, bestselling author of The Automatic Millionaire and The Latte Factor. He's updated his most popular book (over two million copies sold) and this is his last big launch as he heads into retirement. Together, we wrestle with a problem our listeners know well: what happens when you've built the habit of saving, investing, optimizing … and then feel weirdly unable to spend. We talk about mini-retirements, the psychology of “spend and enjoy,” and why waiting to touch retirement money can be its own kind of risk. Key Takeaways Think about retirement as a series of deliberate mini-retirements, not one finish line you might reach with less energy than you expected. If you're a dedicated saver, build a plan for the “spend and enjoy” phase so you do not accidentally optimize away the years you wanted freedom for. Run the numbers on “small” spending habits, not to guilt yourself, but to see which choices actually buy future optionality. Treat withdrawals, benefits, and deadlines as part of the strategy, not a paperwork problem you'll deal with later. If your finances feel out of reach, anchor yourself with a simple projection and one automated action, momentum beats motivation. Resources and Links David Bach's website: http://davidbach.com/ David Bach's books The Automatic Millionaire (updated edition) The Latte Factor Smart Women Finish Rich Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (0:00) Introducing David Bach (4:50) Radical sabbaticals, Florence and rethinking retirement (9:10) Health scares, widowhood stats and enjoying life earlier (11:00) Updating The Automatic Millionaire for 24 million millionaires (15:30) Social Security strategy, RMD parties and claiming earlier (31:30) The latte factor, avocado toast and $10 dollar decisions (33:00) How $10 a day turns into $678,000 (34:20) Oprah behind the scenes, bricks of cash and an audience gasp (47:10) Tiffany Aliche, $75,000 dollars of debt and other success stories (54:25) A $53,000 income couple who retired as multimillionaires (1:25:40) Careers in advising, hiring trends and women advisors (1:28:37) Social Security taxes, new ideas and an eight year tax window (1:41:27) Remembering the “why,” values based choices and using money well Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?The conventional model says lock your money away for 40 years, fund your own retirement, bear all the market risk, and hope you have enough at 65. The qualified plan gives you a 13-year window of control—you can't touch it penalty-free until 59.5, and RMDs force withdrawals starting at 73. That means if you live to 76, you only controlled your money 25% of your life. Meanwhile, the average person retiring today has $537,000 saved but needs $1.5 million. The system is failing, yet people aggressively defend it.Chapters:00:00 - Opening segment 03:40 - Revisiting fundamentals 04:25 - What do financial institutions want from you? 05:25 - The four goals: get your money, hold it systematically, keep it long, give back little 06:40 - We just described a qualified plan 07:50 - The 13-year window: locked until 59.5, forced RMDs at 73 08:45 - Tax benefits: the one real advantage of a Roth 10:00 - Why we're assuming Roth for this discussion 11:30 - The gray area in Roth tax code and the $42 trillion sitting in qualified plans 12:35 - Only controlling your money 25% of your life 13:20 - Teaching kids to be good stewards vs. locking their money away 14:30 - RMD penalties: 25% minimum, up to 50% in some scenarios 16:00 - TSP RMD mechanics: you can't choose which funds to liquidate 17:00 - Taking the employer match and using whole life as a volatility buffer 18:20 - Spending down qualified plans first, not leaving them to heirs 18:50 - The pension system: employers provided capital and bore market risk 21:20 - The shift: now employees fund their own retirement and bear all risk 23:10 - Stockholm Syndrome: aggressively defending the institutions that benefit 24:00 - Median household income $84K, needs $1.5M, average savings $537K 27:40 - Why the average is skewed by millionaires (statistical reality check) 29:25 - Comparing contractual guarantees to projections and prospectuses 31:00 - Strip away the labels: whole life is just an asset, just like mutual funds 32:20 - We want you to understand WHY you believe what you believe 33:35 - The rate of return objection and Nelson's tailwind example 36:15 - Whose incentives align with yours? Insurance companies vs. 401(k) managers 38:05 - Underwriting proves alignment: they want you healthy and financially stable 39:30 - Our mission: cut banks out, create tax-free estates, control your capital 41:15 - Closing thoughtsVisit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Required Minimum Distributions play a significant role in year-end planning. In this episode, we outline the general rules around RMDs for 2025, including recent updates, key timing considerations, tax-related factors to be aware of, and common issues individuals may encounter when taking their distributions. This conversation is intended to provide a broad overview of the topic and help listeners better understand how RMD requirements work. 

Prices didn't fall back after the spike—they stuck. We unpack what that really means for your wallet and your portfolio, and why a 3 percent inflation trend can quietly double living costs over a couple of decades. From retirees juggling health care and food increases to younger families squeezed by rent, insurance, and child care, we share a practical roadmap to keep spending power intact without retreating into cash.We walk through a smarter investing playbook: broad, global diversification that reduces concentration risk in the S&P 500, tilts toward profitability, and captures more sources of return. Drawing on factor-aware approaches like those used by Dimensional Fund Advisors, we explain how to balance U.S. and international exposure, why rebalancing matters after long growth cycles, and how to align risk with your real-life goals. You'll hear when it makes sense to green-light big purchases, when to wait, and how to avoid selling at the wrong time.Then we get tactical. Shop your auto and homeowner coverage and compare line by line before switching. Audit statements monthly, cancel dead subscriptions, and dispute unauthorized charges quickly. If your income is down, consider targeted Roth conversions to build tax-free options and reduce future RMD pressure. For career builders, make a results-focused case for a raise rather than leaning on inflation alone. For savers at every stage, small increases in contributions today can create outsized freedom later thanks to compounding.If sticky inflation has you wondering how to stay ahead, this conversation gives you the tools: disciplined diversification, flexible spending, vigilant cost control, and tax planning that creates choices. Listen now, subscribe for more practical money guidance, and share this episode with someone who needs a fresh plan for a higher-cost world. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Host: Jennifer Caudle, DO Guest: Wendy Wright, DNP, FNP-BC, ANP-BC Randomized controlled trials have shown data supporting the safety and efficacy of cell-based influenza vaccines in adults and children.1-4 However, effectiveness studies have historically relied on outcomes based on clinical diagnosis of influenza-like illness rather than test-confirmed influenza.5 Test-confirmed influenza outcomes provide a more specific evaluation of influenza vaccine effectiveness and can help reveal the clinical differences between cell-based versus egg-based vaccines.6 A retrospective test-negative real-world study including more than 106,000 patients compared the cell-based vaccine with egg-based vaccines.7 Dr. Jennifer Caudle sits down with Dr. Wendy Wright to review the key findings from this analysis and their implications. Dr. Wright is a board-certified adult and family nurse practitioner based out of Amherst, New Hampshire as well as the owner of Wright and Associates Family Healthcare. References: FLUCELVAX. Package insert. Seqirus Inc. Bart S, Cannon K, Herrington D, et al. Immunogenicity and safety of a cell culture-based quadrivalent influenza vaccine in adults: a phase III, double-blind, multicenter, randomized, non-inferiority study. Hum Vaccin Immunother. 2016;12(9):2278–88. doi:10.1080/21645515.2016.1182270. Frey S, Vesikari T, Szymczakiewicz-Multanowska A, et al. Clinical efficacy of cell culture-derived and egg-derived inactivated subunit influenza vaccines in healthy adults. Clin Infect Dis. 2010;51(9):997–1004. doi:10.1086/656578. Diez-Domingo J, de Martino M, Lopez …

CME credits: 1.00 Valid until: 11-12-2026 Claim your CME credit at https://reachmd.com/programs/cme/Hepatic-Encephalopathy-More-Common-Than-You-Think/39786/ This series of brief episodes focuses on the early recognition and clinical management of hepatic encephalopathy (HE). Drs. Arun Jesudian and Nancy Reau examine subtle signs that may indicate minimal or covert HE and offer strategies for timely diagnosis. The discussion covers practical tools for detection, the role of nutrition and pharmacologic therapy, and evidence-based approaches to prevent progression and hospitalization. Emerging therapies and ongoing clinical trials are also discussed to highlight future directions in HE treatment.

The ASX 200 started in fine form after the Fed rate cut, but finished up only 13 points to 8592 (0.2%) as enthusiasm waned after the jobs data and US futures losses. A mixed picture across the market, CBA fell 0.7% as the other three rose, the Big Bank Basket unchanged at $267.77. MQG bounced 1.4% and other financials mixed. Healthcare stumbled into casualty, CSL dropped 1.6%, RMD down 2.3% and TLX dropped 2.1%. Retails also under pressure again, JBH off 1.5% and APE dipping 3.9%. PMV fell hard too off 5.2%. Tech remained under a cloud, WTC down 2.2% and XRO falling another 1.3% with 360 off 2.2%. The All-Tech Index fell another 1.4%. REITs made up some lost ground as bond yields fell on jobs data.In resources, iron ore miners pushed higher, FMG up 0.4% and RIO up 1.8%, with BHP up 1.3%. Gold miners were mixed, RMS rose 6.7% on broker comments, NEM also doing well, up 2.1%. Lithium stocks, a little depressed, and rare earths under pressure again. LYC down 0.9% and ARU off 8.2% as a large block trade went through the market. Uranium stocks slightly positive.In corporate news, IAG fell 1.2% after the ACCC knocked back its RAC QLD acquisition. AMP settled a class action and rose 1.1% with ORG up 0.4% on further expansion at Eraring. On the economic front, the jobs data came in below expectations although the headline rate at 4.3% remained unchanged.Meanwhile in Asia, Japan down 0.8%, HK flat and China down 0.6%. 10-year yields dropped to 4.72%. Nasdaq futures down 1.2%. Dow down 0.5% on Oracle. European markets set to open 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.

Jeremy Keil explores 7 money moves you can consider before the new year to lower your taxes and keep more of your money in retirement. Every December, people scramble to finish holiday shopping, travel plans, and year-end tasks. But one of the most important deadlines — your December 31st tax deadline — often gets overlooked until it's too late. And once the calendar flips to January 1st, many of the smartest tax moves disappear. In this episode of Retire Today, I walk through seven year-end tax steps you should consider to make sure April brings fewer surprises and more savings. With new tax laws taking effect, the stock market sitting near all-time highs, and contribution limits shifting in the coming years, this is the perfect moment to take control of your finances. 1. Manage Your Tax Bracket Before the Year Ends Your income may fluctuate from year to year — especially in retirement. Some retirees have unusually high-income years due to bonuses, pension payouts, early retirement packages, stock vesting, or unexpected distributions. Others have abnormally low-income years. If you're experiencing a higher income year, now is the time to pull deductions forward. Charitable giving, donor-advised fund contributions, and other deductible expenses can help lower your taxable income. If you're in a lower income year, you might choose to accelerate income instead — such as doing a Roth conversion or taking extra withdrawals at a better tax rate. Year-end planning starts with projecting your tax return and understanding which direction to go. 2. Harvest Capital Losses — and Sometimes Gains Even in years when the market is high overall, you may still have individual positions sitting at a loss. Harvesting those losses can offset gains or reduce taxes now or in the future. On the flip side, some retirees find themselves in the 0% long-term capital gains bracket, which creates the perfect opportunity to harvest capital gains on purpose. When you're in a low tax bracket and gains cost nothing, you can reset your cost basis without additional tax. This is one of the most underused year-end strategies — especially when markets have been climbing. 3. Review Mutual Fund Capital Gain Distributions Many mutual funds issue their capital gain distributions in December. You may not receive the money in cash, but it still counts as taxable income. Look up the estimated year-end distributions from your fund companies and double-check your brokerage account. Mutual fund distributions have surprised many retirees — and they can lead to unnecessary underpayment penalties if tax withholding isn't adjusted in time. 4. Get Your Tax Withholding Correct Years ago, tax underpayment penalties weren't a big deal. But with high interest rates today, penalties now operate more like expensive interest charges for not paying taxes in the proper quarterly schedule. If you expect to owe money for 2025, you may want to adjust withholding from your paycheck, pension, Social Security, or IRA distributions. For retirees over 59½, using IRA withholding is one of the easiest ways to catch up — and it is treated as if it was paid evenly all year. To avoid penalties, don't wait until spring. Make corrections before December 31st. 5. Use Qualified Charitable Distributions (QCDs) If you're age 70½ or older, QCDs allow you to donate directly from your traditional IRA to charity tax-free. This is often better than taking withdrawals and giving afterward — especially if you use the standard deduction. Even if you're not yet required to take RMDs, QCDs can reduce your future RMD burden and help you give in a more tax-efficient way. With 2025 bringing updated QCD limits and ongoing rule changes, it's smart to review your giving strategy now. 6. Make Annual Exclusion Gifts Before Year-End In 2025, the annual exclusion gift limit is $19,000 per person — and it remains the same for 2026. If you're planning to help your children or grandchildren, consider spreading the gifts across the end of this year and the beginning of next year to maximize tax-free amounts. For education planning, 529 plans also allow “superfunding,” letting you front-load up to five years' worth of gifts. Year-end is an ideal time to execute these strategies thoughtfully. 7. Rebalance Your Investments (Especially After a Big Market Year) When markets rise sharply, your portfolio may drift into a risk level you never intended. A portfolio that started at 60% stocks may now sit at 68% or higher. That's more risk than you signed up for — especially if you are nearing retirement. Rebalancing is a critical part of your year-end checklist. It brings your risk back in line, prepares your portfolio for the next year, and supports the long-term stability of your retirement plan. The Bottom Line Year-end planning isn't just about taxes — it's about taking control. Whether it's adjusting your income, harvesting gains or losses, fixing withholding, giving strategically, gifting to family, or rebalancing your investments, December is your opportunity to make meaningful changes before the window closes. Don't let the deadline sneak up on you. Start now so April feels predictable — not painful. Enjoying these episodes? Make sure to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel Create Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

The final month of the year may be filled with holiday distractions, but it's also where your financial year is won or lost. In this episode, Ryan and Andrew break down the high-impact money moves to make before December 31 — from tax-loss harvesting and charitable gifting strategies to maxing out retirement and HSA contributions. We'll cover the exact contribution limits for 2024/2025, critical RMD deadlines, and the simple checks that can protect your wealth, reduce taxes, and set you up strong for next year. Before the ball drops, make sure your finances are ready for a fresh start!Perfect for individuals and families looking to finish the year right — and for anyone who wants to keep more of what they earn.

Nationally syndicated financial columnist and author Terry Savage joins Wendy Snyder, filling in for John Williams, to talk about what she expects from the Fed today, if they are likely to cut rates again soon, why economic data is unreliable because of the government shutdown, if she expects a year-end rally, the importance of taking your RMD right now, […]

In this episode, we explore the ripple effects of the end of the U.S. penny — what it means for everyday consumers and how pricing may change. Then we take a look at the 2025 stock-market ride: despite record highs this year, we've already seen a sharp drawdown before finishing strong, and pullbacks have tended to be surprisingly shallow and brief. Finally, we break down popular frugal habits to ask: are they really saving you money, or just costing you time and stress? 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 Slomovitz, MD Endometrial cancer is rising in incidence, with mortality now surpassing that of ovarian cancer. Hear from Dr. Brian Slomovitz as he explores evolving molecular classifications, treatment challenges, and the urgent need to address racial disparities in care. Dr. Slomovitz is the Director of Gynecologic Oncology and Co-Chair of the Cancer Research Committee at Mount Sinai Medical Center as well as a Professor of Obstetrics and Gynecology at Florida International University in Miami.

Guest: Brian Slomovitz, MD Endometrial cancer is closely tied to modifiable risk factors such as obesity, diabetes, hypertension, and insulin resistance—all components of a chronic inflammatory state that heightens cancer susceptibility. Dr. Brian Slomovitz discusses how lifestyle interventions and emerging therapies may reduce cancer recurrence. He's the Director of Gynecologic Oncology and Co-Chair of the Cancer Research Committee at Mount Sinai Medical Center as well as a Professor of Obstetrics and Gynecology at Florida International University in Miami.

Guest: Victoria Coleman-Cowger, PhD Gene therapy offers transformative potential for individuals with sickle cell disease, but the psychosocial challenges that accompany such a major decision are often underestimated. Hear from Dr. Victoria Coleman-Cowger as she highlights recommendations for supporting emotional wellbeing during and after gene therapy and explains the importance of recognizing both the psychological and social impacts of curative treatment. Dr. Coleman-Cowger is a licensed clinical psychologist and the Associate Vice President of Neurology and Cell and Gene Therapy at Emmes, a full-service clinical research foundation.

Guest: Victoria Coleman-Cowger, PhD Gene therapy offers transformative potential for individuals with sickle cell disease, but the psychosocial challenges that accompany such a major decision are often underestimated. Hear from Dr. Victoria Coleman-Cowger as she highlights recommendations for supporting emotional wellbeing during and after gene therapy and explains the importance of recognizing both the psychological and social impacts of curative treatment. Dr. Coleman-Cowger is a licensed clinical psychologist and the Associate Vice President of Neurology and Cell and Gene Therapy at Emmes, a full-service clinical research foundation.

Guest: Ashvini Keshavan, MRCP, PhD Very few patients in UK memory services receive an Alzheimer's diagnosis supported by molecular testing, limiting timely access to emerging therapies. The ADAPT trial—which was funded by the Blood Biomarker Challenge, a multi-million-pound program supported by the Alzheimer's Society, Alzheimer's Research UK, and players of People's Postcode Lottery—aims to close this gap by evaluating the real-world integration of blood-based biomarkers into standard NHS memory care pathways. Join Dr. Ashvini Keshavan as she discusses how this approach may impact diagnostic accuracy, treatment access, and healthcare resource use across the UK. Dr. Keshavan is a Senior Clinical Research Fellow and Honorary Consultant Neurologist specializing in Alzheimer's disease biomarkers at the University College London, and this topic was presented as a poster at the 2025 CTAD conference.

Guest: Ashvini Keshavan, MRCP, PhD Very few patients in UK memory services receive an Alzheimer's diagnosis supported by molecular testing, limiting timely access to emerging therapies. The ADAPT trial—which was funded by the Blood Biomarker Challenge, a multi-million-pound program supported by the Alzheimer's Society, Alzheimer's Research UK, and players of People's Postcode Lottery—aims to close this gap by evaluating the real-world integration of blood-based biomarkers into standard NHS memory care pathways. Join Dr. Ashvini Keshavan as she discusses how this approach may impact diagnostic accuracy, treatment access, and healthcare resource use across the UK. Dr. Keshavan is a Senior Clinical Research Fellow and Honorary Consultant Neurologist specializing in Alzheimer's disease biomarkers at the University College London, and this topic was presented as a poster at the 2025 CTAD conference.

In the season of giving, we're discussing making charitable contributions in 2025 and 2026. Americans are known for their generous donations to worthy causes, but understanding the best ways to give and maximize your tax benefits is key. This episode covers four effective strategies for making charitable contributions, from utilizing Qualified Charitable Distributions (QCDs) from your retirement accounts to cash donations, gifting highly appreciated stock or real estate, and using donor-advised funds. I also break down recent and upcoming tax law changes that impact your ability to itemize and deduct charitable donations, ensuring you avoid common pitfalls and make the most of your generosity. Whether you're planning a gift this year or thinking ahead, this episode is packed with actionable tips to help you give back and plan for a successful retirement.  You will want to hear this episode if you are interested in... [00:00] Charitable giving and tax benefits. [05:01] Managing qualified charitable distributions. [08:03] Charitable deductions and rules changing in 2026. [13:17] Benefits of donor-advised funds. [16:23] Charitable contributions for tax deductions. Four Smart Strategies for Charitable Giving in 2026 Charitable giving is at the heart of American generosity, with billions donated annually to causes that matter. But did you know your generosity can also be a powerful tool in your tax strategy, especially as rules shift for 2026?  1. Qualified Charitable Distributions (QCDs): Tax Breaks from Your Retirement Account If you're 73 or older and taking required minimum distributions (RMDs) from a traditional IRA, a Qualified Charitable Distribution (QCD) can be a game-changer. Instead of taking your full RMD as income (which is taxable), you can direct some, or all, of it straight to a qualified 501(c)(3) charity. This distributed amount is excluded from your taxable income, potentially lowering your tax bill and even your Medicare premiums. But details matter: The money must transfer directly from your IRA to the charity. You can't touch the funds yourself and then donate. The charity must be a registered 501(c)(3). When you receive your year-end 1099-R tax form, it won't indicate how much was a QCD. You (or your accountant) must reduce your taxable income by the QCD amount and annotate "QCD" on your return. Forgetting to do so can result in unnecessary taxes. By leveraging QCDs, retirees not only support their favorite causes but also make the most of their hard-earned savings. 2. Cash Donations: Navigating Itemizing and New Deduction Thresholds Traditional cash donations are an easy way to support charities and reduce taxes, but the benefits depend on your ability to itemize deductions. Until recently, many households in high-tax states struggled to itemize due to the $10,000 state and local tax (SALT) deduction cap. Big change for 2026 - 2029: The SALT cap jumps to $40,000, making itemizing possible for more people. If your itemized deductions, including mortgage interest, medical expenses, property taxes, and charitable gifts, exceed the standard deduction, your donations can reduce your taxable income. In 2026, a $1,000 per individual (or $2,000 per couple) charitable deduction will be available even if you don't itemize. However, your charitable giving must exceed 1.5% of your adjusted gross income to become deductible, creating a new bar to qualify. Careful timing and documentation of donations can help maximize these new opportunities. 3. Donating Appreciated Assets: Stocks and Real Estate If you're sitting on highly appreciated stocks or real estate, donating them directly to charity can deliver a double tax benefit: You avoid paying capital gains tax on the asset's increase in value, and you can also deduct the current market value of your donation (subject to certain AGI limits: 30% for appreciated assets). To qualify: The asset must have been held for at least one year. For real estate valued above $5,000, an independent appraisal is required. Charities get the full value, and you skip the capital gains tax bill. If your donation exceeds the allowed AGI percent, you can carry the excess deduction forward up to five years. 4. Donor Advised Funds: Flexible Giving, Immediate Deductions A Donor Advised Fund (DAF) is a charitable investment account. You can donate cash, stocks, or other assets now and get an immediate tax deduction, but distribute the funds to your chosen charities later, at your own pace. Why use a DAF? It allows for strategic, larger contributions (helpful in years with unusually high income). You enjoy flexibility in choosing and timing your ultimate beneficiaries. Major brokerages like Fidelity, Schwab, and Vanguard offer DAFs, with differing minimum contributions and low-cost investment options. Keep in mind that there are administrative fees (roughly 0.60% on the first $500,000), but DAFs are simpler and less costly than setting up a private foundation. Smart Giving Starts with Smart Planning As 2026 approaches, take time to review your charitable and tax strategy. Whether using QCDs, cash gifts, appreciated assets, or a donor-advised fund, the tax code changes mean new opportunities, and some fresh requirements. Consult a financial advisor to fit these options to your personal circumstances and maximize the impact of your generosity for both your favorite causes and your family's financial wellbeing. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Schwab  Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

What if your biggest retirement asset is also your biggest tax trap? Ryan Herbert dives into the realities of 401(k) withdrawals, required minimum distributions (RMDs), and how shifting tax laws could quietly erode your nest egg. This episode unpacks why following “Uncle Sam’s plan” may cost you far more than you expect and how proactive tax planning can save hundreds of thousands over your lifetime. Learn the pitfalls of relying on default strategies, the impact of future tax rates, and actionable steps to protect your legacy. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Host: Ryan Quigley How are patients with breast cancer brain metastases faring in the modern treatment era? In this AudioAbstract, Ryan Quigley shares findings from a 25-year review of 507 patients at UCSF, providing new insights into how survival outcomes have shifted across subtypes and which treatments are driving real-world progress. This research was also presented at the 2025 San Antonio Breast Cancer Symposium.

Host: Ryan Quigley Triple-negative breast cancer (TNBC) remains one of the hardest subtypes to treat, with limited options and high relapse rates—so identifying new therapeutic targets is critical. In this AudioAbstract, Ryan Quigley spotlights research presented at the San Antonio Breast Cancer Symposium that implicates ribosome biogenesis as a key vulnerability. Tune in to learn how this approach could inform the next generation of TNBC therapies.

The ASX 200 fell 39 points to 8586 (0.5%) after the RBA kept rates on hold as forecast. The index was down a similar amount before the 2.30pm announcement. Banks drifted lower, CBA down 0.6% and WBC off 0.6% with insurers staging a modest recovery, QBE up 1.2% and MPL rising 2.7%. MQG dropped another 0.9% with PNI falling 1.1%. REITs mixed, GMG down % with the rest of the sector better. Healthcare eased, CSL down 2.0% and RMD falling 2.3%. Retail stocks fell on the rates news, JBH off 1.9% and APE dropping 2.2% as SUL fell in sympathy with BAP, down 21.3% on another nasty trading update. Telcos slid lower, TLS down 0.6% and TPG with some issues fell 1.6%. Tech once again on the nose, XRO off 0.7% and TNE down 1.6% with 360 falling hard.In resources, iron ore stocks firmed, FMG up 1.7% and RIO flat. Gold miners drifted lower, PRU off 1.5% and NST falling %. Oil and gas stocks eased, uranium mixed, PDN and DYL to the good, LOT down to the bad. Lithium stocks holding, up but rare earths sliding back to earth.In corporate news, LTR dropped 2.3% on a new offtake deal, WAF fell 0.7% on drilling results.On the economic front, the RBA left rates unchanged. The board does not seem to be in a hurry to raise them either.Meanwhile in Asia, Japan up 0.2%, HK down 0.8% and China down 0.1%.10-year yields higher at 4.75%.US Futures – DJ up 9 points and Nasdaq up 10.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.

Host: Ryan Quigley Triple-negative breast cancer (TNBC) remains one of the hardest subtypes to treat, with limited options and high relapse rates—so identifying new therapeutic targets is critical. In this AudioAbstract, Ryan Quigley spotlights research presented at the San Antonio Breast Cancer Symposium that implicates ribosome biogenesis as a key vulnerability. Tune in to learn how this approach could inform the next generation of TNBC therapies.

Host: Ryan Quigley How are patients with breast cancer brain metastases faring in the modern treatment era? In this AudioAbstract, Ryan Quigley shares findings from a 25-year review of 507 patients at UCSF, providing new insights into how survival outcomes have shifted across subtypes and which treatments are driving real-world progress. This research was also presented at the 2025 San Antonio Breast Cancer Symposium.

December 8, 2025 | Season 7 | Episode 45We trace how a weak yuan powers China's record trade surplus despite tariffs, and why history with Japan's yen still shapes today's strategy. We map the U.S. pivot to talent and capital, the odds of a hawkish Fed cut, retiree tax moves for 2025, and two stock spotlights: Weyerhaeuser and Apple.• China's $1T trade surplus and currency dynamics• Tariff rerouting through Southeast Asia, Mexico and Africa• Lessons from Japan's Plaza Accord and export pricing• U.S. advantages in capital access, education and innovation• Market setup into the FOMC and earnings week• Retiree tax planning: RMD timing, QCDs, medical deductions• Weyerhaeuser asset value versus depressed earnings• Apple's measured AI path, privacy focus and partnershipsThis podcast is available on most platforms, including Apple Podcasts and SpotifyFor more information, please visit our website at www.heroldlantern.com** For informational and educational purposes only, not intended as investment advice. Views and opinions are subject to change without notice. For full disclosures, ADVs, and CRS Forms, please visit https://heroldlantern.com/disclosure **To learn about becoming a Herold & Lantern Investments valued client, please visit https://heroldlantern.com/wealth-advisory-contact-formFollow and Like Us on Youtube, Facebook, Twitter, and LinkedIn | @HeroldLantern

Guest: Ryan Quigley At the 2025 American Society of Hematology Annual Meeting and Exposition, researchers presented key findings from the pivotal phase three CLL17 trial, which was the first randomized study to directly compare continuous BTK inhibition with fixed-duration venetoclax-based therapy in previously untreated chronic lymphocytic leukemia (CLL). Hear from Ryan Quigley as he shares new data on efficacy and safety and their potential long-term implications for patients with CLL in this AudioAbstract.

Guest: Ryan Quigley At the 2025 American Society of Hematology Annual Meeting and Exposition, researchers presented key findings from the pivotal phase three CLL17 trial, which was the first randomized study to directly compare continuous BTK inhibition with fixed-duration venetoclax-based therapy in previously untreated chronic lymphocytic leukemia (CLL). Hear from Ryan Quigley as he shares new data on efficacy and safety and their potential long-term implications for patients with CLL in this AudioAbstract.

This week, Roger and Elias took a break for the Thanksgiving holiday - so we are sharing some of their favorite listener questions from past episodes of their radio show, The Premier Financial Hour. Check out the Premier Financial Hour over on PIWM's YouTube page: https://www.youtube.com/@premieriwm  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.

Jim and Chris discuss listener questions on IRMAA brackets and several QLAC topics including RMD interaction, suitability, payout values, and purchase timing. (19:30) A listener wonders if their lower 2024 income will automatically reduce their 2026 IRMAA even though it doesn't qualify for an SS-44, or if they must contact the SSA.(25:15) George asks whether going above certain income thresholds in 2025 could keep IRMAA lower in 2027 because of inflation adjustments.(34:30) The guys weigh whether QLAC income, once it begins, can offset RMDs on other IRA holdings.(54:00) Georgette wants to know who is a good candidate for a QLAC, how it is purchased, and which features to consider.(1:05:00) A listener seeks guidance on determining early- and late-start payout values for a QLAC and whether those values are fixed or variable.(1:10:15) Jim and Chris consider whether buying a QLAC earlier leads to higher payments at the same deferral age and what factors affect purchase timing. The post IRMAA Brackets and QLACs: Q&A #2548 appeared first on The Retirement and IRA Show.

First, we break down “the market” by exploring the major indices investors follow every day. From the S&P 500 and Dow Jones Industrial Average to the Nasdaq Composite, we explain what these benchmarks measure, how they're built, and why your portfolio may not always mirror their movements. You'll learn the differences between price-weighted, equal-weighted, and market-cap-weighted indices, plus get insight into the Dow's historic milestones as it inches closer to 50,000.Then, we shift to Black Friday. With the holiday shopping season kicking off, we dig into the latest projections—how many Americans will shop, where they'll spend, and what trends are shaping this year's deals. Whether you love doorbusters or prefer digital carts, we'll connect the stats to what they could mean for consumers and the broader economy.Finally, as the year wraps up, we turn to your retirement strategy. We walk through the essentials of year-end IRA planning—from maximizing contributions to handling required minimum distributions and reviewing beneficiaries. We highlight key deadlines, common pitfalls to avoid, and tactics that can help strengthen your long-term savings.Three conversations, one goal: giving you the clarity and confidence to make informed financial decisions. Tune in!Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 29, 2025  |  Season 39, Episode 48Timestamps and Chapters6:46: Benchmarks and Big Numbers28:50: Black Friday Unwrapped41:54: Finish Strong: Your Year-End IRA PlaybookFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

On this week's episode, Roger and Elias react to AI financial advice, explore the changes to the 2026 retirement plan contribution limits and discuss 6 things to keep in mind as you head out for Black Friday shopping this year.   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.

Host: Peter Buch, MD, FACG, AGAF, FACP Guest: Aasma Shaukat, MD, MPH Blood-based colorectal cancer screening is entering a new era with FDA-approved and emerging tests like Shield and Simple Screen. Alongside updated stool-based options such as Cologuard Plus and CRC-PREVENT, clinicians now have a broader landscape of noninvasive tools to consider and discuss with their patients. Joining Dr. Peter Buch to talk about current recommendations and potential future directions for colorectal cancer screening is Dr. Aasma Shaukat. Dr. Shaukat is the Robert M. and Mary H. Glickman Professor of Medicine and a Professor of Population Health at NYU Grossman School of Medicine, as well as the Director of Outcomes Research in the Division of Gastroenterology and Hepatology at NYU Langone Health. She's also a co-author of a recent review on blood tests for colorectal cancer.

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:

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.

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

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

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.