Podcasts about rmd

In this episode of Money Matters, Scott and Pat break down smart Roth conversion strategies for retirees who want to reduce lifetime taxes, manage future RMDs, and avoid costly bracket mistakes. A caller with $4+ million asks how much to convert each year — and whether moving IRA withdrawals into a brokerage account makes sense as part of a long-term Roth conversion plan. They also discuss direct indexing, including how it works, whether low-cost providers are safe, and when direct indexing makes sense compared to backdoor Roth contributions. Plus, a real client case study highlights asset location, ETF overconcentration, muni bond mistakes, and how coordinated Roth conversion and tax planning can potentially add six figures over time. What You'll Learn: -How to structure a Roth conversion tax-efficiently -When direct indexing makes sense — and when it doesn't -Why asset location matters more than most investors realize -How to reduce future RMD and IRMAA surprises -The hidden risks inside “diversified” ETF portfolios Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

The ASX 200 cratered another 252 points to 8599 (2.9%), as buyers stepped in as the afternoon wore on. Well off lows, but unconvincing. Oil prices in Asia soared with regional markets falling hard. Across the board losses led by BHP down 5.1% and RIO off 3.8%. Gold miners sold down despite bullion holding up relatively well. NST down 6.2% and EVN off 5.9% with WGX falling 5.7%. Lithium stocks under siege, PLS down 6.7% and MIN off 1.6%. Copper stocks walloped, SFR down 8.2% and other base metal stocks falling. BSL dropped 4.4%. Oil and gas stocks better, but not racing away. WDS up 2.0% and STO up 2.4% with coal stocks better. Uranium stocks dropped, PDN down 7.9% and BOE falling 6.5%. Banks were hit too but off lows, ANZ dropped 2.3% with CBA down 1.8% and the Big Bank Basket falling to $292.41 (-1.9%). MQG fell 2.4% (off lows) with insurers and other financials easier. XYZ fell 4.5% and HUB down 5.4%. REITs fell, GMG off 2.0% and SCG down 3.6%. Industrials were also hit in the Monday flush. BXB down 4.8%, QAN fell 4.5% on higher jet fuel prices, TLS eased 1.3% and healthcare stocks dropped. CSL down 2.8% and RMD off 3.2%. Tech stocks back under pressure again, XRO down 4.8% and TNE off 3.7%. The All-Tech Index fell 3.7%.In corporate news, DNL fell 9.7% on the sale of its fertiliser business. DGT fell 7.4% as its CEO stepped back for a time. PME fell 0.9% despite a renewal of a $40m contract. NAN gained 3.8% on FDA clearance for an expanded range of indications.In economic news, nothing on the local front. 10-year yields jumped to 4.94%. Asian market flushed, Japan down 6.8% (Nikkei), Topix down 4.5%, HK down 2.4% and China down 0.9%. Korea KOSPI down 8.8%.US Futures down. DJ down 831. Nasdaq down 480.Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Jim and Chris discuss listener emails on PSAs regarding IRMAA reimbursements, RMD in-kind transfers, and naming a conduit trust as a retirement account beneficiary. (8:15) A listener shares a PSA that an IRMAA reimbursement was applied as a credit balance drawn down over several months rather than a lump sum. (17:00) The guys discuss a listener PSA on SSA-44 filing: when income is underestimated and IRMAA is owed, Medicare reconciles the difference the following November or December with no penalties or interest assessed. (33:45) George asks whether an RMD can be satisfied through an in-kind transfer of mutual funds to a brokerage account, and whether only a portion needs to be sold to cover the tax bill. (46:00) Jim and Chris take up a listener question about naming a conduit trust as a contingent beneficiary for retirement accounts, kicking off Part 1 of a broader discussion on see-through and conduit trusts — what each structure is, how they differ, and what happens when an IRA names a trust as its beneficiary. They begin exploring the tax implications and planning considerations involved, noting that these arrangements can create both benefits and unintended complications depending on how they’re set up. The conversation will continue on the next week’s Q&A episode, where they’ll complete this listener’s question and address additional questions received on the topic. The post IRMAA, RMDs, Conduit Trust: Q&A #2610 appeared first on The Retirement and IRA Show.

If you are considering retiring early or you need income before age 59½, the IRS 72(t) rule (also called SEPP, Substantially Equal Periodic Payments) may allow you to take distributions from a traditional IRA without the 10% early withdrawal penalty.In this episode, Ken and Jeremy break down what an IRA is, who 72(t) can help, the three calculation methods, and the most common pitfalls that can trigger penalties if you change or break the plan. You will also hear an example using a $1,000,000 IRA and a planning strategy that may help you match the income you need.00:00 Intro: the 10% early withdrawal penalty problem01:10 What an IRA is (traditional vs Roth)03:05 What is 72(t) SEPP and who it is for05:00 The big rule: duration and no changes allowed07:10 Method 1: RMD method (flexible, recalculates)10:20 Methods 2 and 3: amortization vs annuitization13:40 Example, interest rate limits, and top mistakes to avoidAt Retirement Planners of America, we help people retire when they want to and stay retired.Visit us at rpoa.com to learn more.Like, subscribe, and share for more retirement and investing insights from Ken Moraif and the RPOA team.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: George Grossberg, MD Guest: Angela Sanford, MD, CMD Nearly half of patients living with dementia due to Alzheimer's disease will experience agitation during the course of illness.1 In June 2025, expert panel recommendations on identifying and managing agitation in Alzheimer's dementia were published in Postgraduate Medicine. Learn more about these recommendations as Dr. Charles Turck, Dr. George Grossberg, and Dr. Angela Sanford explore how clinicians can implement them in practice. Dr. Grossberg is the Inaugural Henry and Amelia Nasrallah Endowed Professor as well as the Director of the Division of Geriatric Psychiatry and Behavioral Neuroscience at the Saint Louis University School of Medicine. Dr. Sanford is a Professor in the Division of Geriatric Medicine in the Department of Internal Medicine at the Saint Louis University School of Medicine. Drs. Grossberg and Sanford are paid consultants of Otsuka Pharmaceutical Development & Commercialization, Inc. The expert panel and subsequent publication were sponsored by Otuska and Lundbeck -- not an independent entity. References: Grossberg GT, Sanford A, Montano CB, et al. A US-based practitioner's guide to diagnosis, evaluation, and evidence-based treatment of agitation in Alzheimer's dementia - recommendations of an expert, multispecialty advisory panel. Postgrad Med. 2025;137(6):469–485.

Host: Stephanie Christenson, MD Guest: Diego Maselli, MD, FCCP COPD is increasingly recognized as a heterogeneous disease, and for a subset of patients, type 2 inflammation plays a meaningful role in exacerbation risk and treatment response. Given that, Drs. Stephanie Christenson and Diego Maselli come together to examine how insights into the pathobiology of type 2 inflammation can directly inform clinical decision making in COPD. Specifically, they discuss the practical use of blood eosinophil counts to phenotype patients, assess risk, and guide therapy selection within the context of GOLD 2025 and 2026 guidance. Dr. Christenson is an Associate Professor at the University of California San Francisco in the Division of Pulmonary, Critical Care, Allergy, and Sleep Medicine, and Dr. Maselli is a Professor of Medicine at the Long School of Medicine at UT Health in San Antonio. This episode of Deep Breaths: Updates from CHEST was supported by a non-promotional, non-CME educational program brought to you by CHEST in collaboration with and sponsored by GSK.

Markets are always watching the Federal Reserve—but how much does leadership at the central bank really influence market behavior? In this episode, we explore how markets historically respond to changes in Federal Reserve leadership. Plus we discuss a timeless investing principle: why “slow and steady” often beats trying to chase quick wins and how investors can approach the most common retirement concern: running out of money.  Check Out Our Investor Guide Series: https://www.premieriwm.com/investor-guides  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.

The ASX 200 limped around most of the day closing up 39 points to 8940 (0.4%) with a conviction less rally. Banks found their feet with CBA up 0.4% and the Big Bank Basket up to $299.13 (+0.5%). MQG had a rare good day up 3.8% with insurers and other financials better, ZIP rose 9.9%. REITs were mixed, GMG up 2.4% and SCG off 0.5%. In industrials, WES continue to flop, down another 0.7%. Retail was flat, Healthcare better led by CSL up 2.5% and RMD up 0.8%. Tech had a good day too. WTC up 7.1% and XRO up 4.3% with the All-Tech Index up 3.4%. Resources were a hodge-podge. Gold miners slid again with small across the board losses, EVN down 2.1% and NST down 1.9%. Iron ore majors were mixed, BHP down 1.0% and RIO up 1.2%. Lithium stocks better, higher oil prices push many towards electrification. PLS up 1.5% and LTR rising 2.3%. Copper stocks not doing much. Uranium stocks were better, PDN up 2.2% and NXG rising 3.2%. Both VEA and ALD had solid days on petrol price rises. WDS eased 1.0% and STO up 1.0%. Coal stocks were bid up, WHC up 4.3% but NHC down 1.8%.In corporate news, SGR unchanged as the Court ruled that ASIC failed to prove its case. TLC down 0.7% after bringing in a new operating model. On the economic front, China held its Congress with new targets. Iron ore rose as China renewed a pledge to tackle overcapacity and locally household spending was slightly subdued. Annual growth came in at 4.6%.Asian markets bounce back. Japan up 2.1%, HK up 0.8% and China up 1.3%. Korea up close to 11%!10-year yields jump to 4.79%US Futures down DJ off 132pts and Nasdaq down 35—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Retirement planning isn't one decision—it's a series of trade-offs shaped by rules, markets, and real life. In this episode of the Money Matters Podcast, Wes Moss and Christa DiBiase address listener questions and frame timely retirement, tax, and investment topics in a balanced, long-term context designed to inform—not predict—financial outcomes. • Clarify how TSP protections, RMD rules, and post-retirement investment options interact, and compare staying in the TSP versus rolling to a provider when evaluating fees, Roth conversions, and flexibility. • Evaluate UTMA vs. UGMA accounts for children, including tax treatment, ownership control, and potential financial aid implications. • Reassess the 4% withdrawal rule of thumb, consider adjustments if you own your home outright, and apply the 25X framework when estimating retirement income needs. • Analyze high-yield bond ETFs within a diversified allocation by reviewing risk, yield characteristics, and how they differ from traditional bonds. • Examine whether keeping life insurance near retirement aligns with income protection, estate planning, or legacy objectives. • Explore what pursuing the CFP® designation may require and how a financial planning career path can take shape. Retirement strategy is built on thoughtful evaluation, disciplined allocation, and informed decision-making—not guarantees. Listen and subscribe to the Money Matters Podcast for educational retirement planning, investment strategy, and wealth management discussions grounded in long-term perspective.

Presenter: Marcus Shaker, MD, MSc, FAAP, FACAAI, FAAAAI Financial and space limitations are two of the most pressing issues facing allergists and immunologists in academic practice. Fortunately, negotiation principles, like BATNA and ZOPA, and disruptive innovation tactics can help address these common issues. To learn more, we recently spoke with Dr. Marcus Shaker. Not only is he a Professor of Pediatrics and Medicine at the Dartmouth Geisel School of Medicine in New Hampshire, but he also spoke about this topic at the 2026 American Academy of Allergy, Asthma, & Immunology Annual Meeting.

Presenter: Mustafa Ozcam, PhD Emerging research is redefining the role of the gut microbiome in food allergy and immune tolerance. Here to share some of the most groundbreaking findings is Dr. Mustafa Ozcam. He discusses how gut microbes metabolize allergenic proteins, shape immune development, and serve as potential biomarkers to predict oral immunotherapy success in food allergy patients. Dr. Ozcam is an Assistant Professor of Microbiology and Immunology at the University of Maryland School of Medicine, and he spoke about this topic at the 2026 American Academy of Allergy, Asthma, and Immunology Annual Meeting.

Host Dick Donahue talks about tariffs, the S&P 500 and another RMD rule deadline delay.

Another Circuit rules that the IRS does have the authority to assess §6038(b) penalties, delay announced in effective date for SECURE 2.0 RMD regulations and more.

Artificial intelligence is shaking up the stock market — and if you’re in retirement or thinking about retirement, you need to understand what it means for your portfolio. On this week’s episode of The Financial Hour of The Tom Dupree Show, hosts Tom Dupree Jr., James Dupree, and Mike Johnson break down how a single AI research report triggered a major Nasdaq sell-off, why “HALO” stocks are emerging as the safe haven trade for retirement investors, and how a dividend income strategy provides the stability that pure growth investing simply cannot match during volatile markets. With the Nasdaq down nearly 2.75% year to date and the Dow dropping over 645 points in a single session, the team at Dupree Financial Group explains how their income-focused approach and hands-on research process has helped client portfolios outperform the major indices — with significantly less risk. How One AI Research Report Rattled the Entire Market The week’s biggest market story centered on a research report from Rinni, a small boutique research firm, that painted a grim picture of AI-driven economic disruption. Written from the perspective of 2028, the report described a scenario where AI causes mass white-collar layoffs, creating a self-perpetuating economic spiral with no natural correction mechanism. As Mike Johnson explained on the show: “It was well written, and it was probably written by AI. Essentially AI causing mass layoffs, white collar jobs specifically, and causing a vicious cycle in the economy where there’s no self-correcting mechanism that you have with a normal economic downturn.” The report called for a potential 38-40% market decline, and the reaction was swift — particularly in expensive technology stocks that had been treated as safe havens for the past several years. James Dupree noted what this reveals about market psychology: “What it shows is how sensitive the market is right now, especially in some of these expensive areas of the market. The big tech companies were considered the safe haven for the last several years. Now you’re seeing the flip side of that.” This kind of volatility is exactly why working with an advisor who does independent research matters. Unlike large national firms where you may be assigned an investment counselor following a one-size-fits-all model, Dupree Financial Group conducts its own research and gives clients direct access to their portfolio managers — the same people making the investment decisions. Why History Says AI Won’t Destroy the Economy While the Rinni report spooked markets, the Dupree Financial team took a longer view — one informed by decades of watching technological disruption play out in real time. Mike Johnson put the situation in historical context: “You look back historically on what’s happened when you’ve had new technology disrupt an economy. You have upheaval in certain markets, but the unemployment rate has not gone up since you’ve had these displacements.” From farming equipment to spreadsheets replacing bookkeepers to e-commerce disrupting brick-and-mortar retail, the pattern has been consistent: displaced workers move to other industries, and companies become more efficient and more profitable. As an investor, that increased profitability is ultimately what drives returns. The team also drew parallels to the dot-com bubble of the late 1990s — noting that while some technology companies will thrive, others building out AI infrastructure at enormous cost may see those investments fail to generate returns. This potential destruction of capital is a real risk for investors who chase momentum without understanding the underlying business. HALO Stocks: The New Safe Haven for Retirement Portfolios One of the most actionable insights from this episode is the emergence of the “HALO” investment framework — Heavy Asset, Low Obsolescence. These are companies that, as Tom Dupree put it, “you can’t AI out of existence.” HALO stocks include sectors like oil and gas, physical real estate, grocery stores, telecom companies, and industrial manufacturers like Caterpillar and Cummins. These companies own tangible assets and operate businesses that require a physical presence regardless of what happens in the virtual world. Tom offered a memorable perspective on why the physical world will always hold value: “The physical world has to exist and be maintained regardless. Everybody that is betting on AI in such a big way, it’s like betting on the side bet in a bigger way than on the actual game.” This HALO approach has been a significant contributor to Dupree Financial Group’s portfolio performance this year. Understanding how this investment philosophy works — owning individual stocks in carefully researched companies rather than being packaged into mutual funds — is one of the key differences between personalized investment management and the mass-market approach used by larger national firms. Dividend Income vs. Pure Growth: Why It Matters When You’re Taking Withdrawals Perhaps the most important segment for anyone in retirement or approaching required minimum distributions was the team’s detailed comparison of income-focused investing versus pure growth strategies. Mike Johnson broke down the math clearly: “With an RMD, you have to take X amount out every year. From a pure growth perspective, you have no idea what the price is gonna be over the course of that year. But by having an income focus, we can say with better conviction and better certainty what’s gonna be generated from income over this year.” The key insight is this: if your portfolio’s dividend income matches or exceeds your required withdrawals, the price of the underlying stocks becomes less critical in the short term. You’re not forced to sell into a down market. With a pure growth approach — even a traditional 60/40 allocation — you may have to sell stocks or bonds at unfavorable prices just to meet your distribution requirements. This is the kind of personalized portfolio analysis that makes a real difference for people in retirement. It’s not a one-size-fits-all allocation model — it’s a strategy built around your specific income needs and withdrawal requirements. The Hidden Risks of High-Yield Covered Call Funds The team also issued a timely warning about a popular product category that may look attractive on the surface: covered call funds with sky-high stated yields. James Dupree highlighted one particularly egregious example: “There’s one fund called Yield Max that had a 114% listed dividend. The fund is just gonna go down for the most part.” Mike Johnson explained why: “That’s the difference between a synthetic yield versus a real yield. A real yield of a company where the dividend comes from the earnings — that’s a real dividend.” If you’ve been living off a covered call fund’s “dividend” while the share price steadily declines, you’ve essentially been spending your principal without realizing it. This is a critical distinction that many investors — and even some advisors at large national firms — fail to make clear. FINRA’s investor education resources can help you understand the difference between income sources in various fund structures. Key Takeaways from This Episode A single AI research report from Rinni triggered a significant Nasdaq sell-off, exposing how sensitive expensive tech stocks have become to disruption narratives. History consistently shows that technological disruption displaces workers into new industries while making companies more efficient and profitable — not the doomsday scenario some predict. HALO stocks (Heavy Asset, Low Obsolescence) — including oil, real estate, grocery, telecom, and industrials — have emerged as the new safe haven trade and are driving strong portfolio performance. Dividend income strategies provide retirees with greater certainty around withdrawals than pure growth approaches, especially when required minimum distributions are in play. High-yield covered call funds with eye-popping stated dividends may actually be returning your own capital — not real income from company earnings. The 10-year Treasury yield dropping below 4% confirms that U.S. government bonds remain a safe haven during market sell-offs. Mortgage rates approaching 5.75% could help housing markets, but alone won’t solve the fundamental supply and affordability challenges facing homebuyers. Conducting thorough research on individual companies — rather than chasing momentum or buying based on headlines — remains the foundation of sound retirement investing. Frequently Asked Questions What are HALO stocks and why do they matter for retirement investors? HALO stands for Heavy Asset, Low Obsolescence. These are companies that own physical assets and operate businesses that cannot be replaced by artificial intelligence — think oil companies, real estate, grocery stores, telecom providers, and industrial manufacturers. For retirement investors, HALO stocks offer stability because their core business models are not at risk of technological disruption, making them a reliable component of an income-focused portfolio. How does a dividend income strategy protect my retirement withdrawals? When you’re taking required minimum distributions or regular withdrawals in retirement, a dividend income strategy means your portfolio generates cash from company earnings regardless of what stock prices do in any given year. This means you’re less likely to be forced to sell holdings at a loss just to meet your withdrawal needs — a risk that pure growth strategies carry during market downturns. Are covered call funds safe for retirement income? Not necessarily. While covered call funds may advertise attractive yields — sometimes exceeding 100% — the “dividends” often come from capital gains or options premiums rather than actual company earnings. Over time, many of these funds experience significant price declines, meaning investors are effectively spending their principal. It’s important to understand the difference between a synthetic yield and a real dividend backed by company cash flow. Will AI cause a stock market crash? While AI disruption is real and will create winners and losers across industries, historical precedent suggests that technological change tends to make the overall economy more productive rather than destroy it. Workers displaced by new technology historically move into new roles and industries. The bigger risk for investors is overpaying for AI-related companies that fail to generate returns on massive capital expenditures — similar to what happened during the dot-com era. How is Dupree Financial Group positioned during this market volatility? The team has been proactively raising cash and bond positions in client portfolios, which helped cushion the recent sell-off. Combined with holdings in HALO stocks, dividend-paying companies with conservative balance sheets, and Treasury positions that benefit from safe haven flows, client portfolios have outperformed the major indices year to date with significantly less volatility. You can listen to more market commentary or schedule a consultation to learn more. Don’t Guess — Know What You Own and Why You Own It As Tom Dupree said during the show: “The key isn’t timing the market. It’s understanding what you own and why you own it.” If you’re in retirement or thinking about retirement and you’re not sure whether your portfolio is built to generate reliable income — or if you’re wondering how AI disruption could affect your holdings — the team at Dupree Financial Group is here to help. With 47 years of investment experience, personalized separately managed accounts, and direct access to your portfolio managers, you’ll get the kind of hands-on attention that large national firms simply can’t provide. Schedule your complimentary portfolio review today: Call (859) 233-0400 Visit dupreefinancial.com Book directly at dupreefinancial.com/book Dupree Financial Group is a registered investment advisor (RIA). All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. The information provided in this blog post and podcast episode is for educational purposes only and should not be considered personalized investment advice. Please consult with a qualified financial advisor before making investment decisions. The post AI Market Disruption, the HALO Investment Strategy, and Why Dividend Income Still Wins for Retirees appeared first on Dupree Financial.

Peter makes his return on air with Drew as they talk to callers regarding $01k RMD distributions, DROPs, gold, special needs trusts, and more! Download and enjoy! 

In this week's episode of The Premier Financial Hour, we break down some of the most common questions every investor faces:

Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you avoid unforced errors and make a confident judgment call. He walks through organizing your retirement cash flow, estimating MAGI and ACA subsidy eligibility, evaluating COBRA, ACA, and private coverage options, and weighing tax optimization against simplicity and continuity of care. He's joined by Taylor Schulte of Define Financial to discuss how professionals navigate Roth conversions, Social Security timing, ACA cliffs, and the trade-offs between optimizing for subsidies versus long-term tax planning.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the final week of the health care before Medicare series and previews upcoming episodes with Harry Reese (co-author of How to Feel Loved) and retirement researcher Wade Pfau.PRACTICAL PLANNING SEGMENT(02:30) Roger reviews the three “heads” that must be managed before Medicare- cost, continuity of care, and complexity.(03:30) Roger talks about avoiding unforced errors that could cost you money, disrupt care, or create unnecessary stress.(05:18) Roger introduces the OODA Loop—observe, orient, decide, act—as a practical way to think step by step about health coverage choices. (05:52) Observe: Build a 5-year retirement income and spending plan, estimate taxes and MAGI, identify where you fall relative to the ACA subsidy cliff, and review withdrawal sources (taxable, pre-tax, Roth) along with future RMD implications.(14:21) Orient: Clarify what matters most to help you make a decision.(20:00) Decide & Act: Choose a direction, document your reasoning, update your plan of record, and implement the distribution strategy that supports your choice.CONVERSATION WITH TAYLOR SCHULTE(22:25) Roger introduces Taylor Schulte from Define Financial(23:15) Why health care before Medicare shouldn't automatically delay retirement and how assumptions often go untested.(26:50) Evaluating alternatives beyond ACA, including COBRA as a short-term bridge and private plans.(31:50) The tension between Roth conversions and ACA subsidies, and how Social Security timing affects MAGI.(34:20) Avoiding the “optimization trap”: sometimes paying more for simplicity still results in a resilient retirement plan.(36:40) The key takeaway is that there's no perfect answer—retirees should explore options, make informed decisions without fear, and use healthcare planning as a tool rather than a barrier or excuse to delay retirement.SMART SPRINT(43:35) Set a reminder to review your health care strategy using a structured approach—especially if retirement or Medicare enrollment is approaching. The goal is to be intentional, not reactive.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.govDefine Financial- Taylor SchulteStay Wealthy Retirement Show- Taylor Schulte (podcast)

Presenter: Sally E. Wenzel, MD, ATSF Given that severe asthma management is entering a new era of biologically driven precision, Dr. Sally Wenzel joins us to discuss the complexity within Type 2 inflammation and the limitations of relying on a single biomarker assessment. She also differentiates childhood-onset allergic asthma from adult-onset disease, underscoring how age of onset—along with underlying biology—can inform therapeutic strategy. Dr. Wenzel serves as the Director of the Asthma Institute at UPMC, and she spoke about this topic at the 2026 American Academy of Allergy, Asthma, and Immunology Annual Meeting.

Presenter: Scott Sicherer, MD Based on a randomized study, children with higher baseline thresholds of peanut reactivity achieved markedly higher rates of sustained unresponsiveness after oral immunotherapy compared with untreated peers. Learn more about this study and its clinical implications with Dr. Scott H. Sicherer. Not only is he a Professor of Pediatrics and the Director of the Jaffe Food Allergy Institute at the Icahn School of Medicine at Mount Sinai, but he also spoke about this topic at the 2026 American Academy of Allergy, Asthma, and Immunology Annual Meeting.

The ASX 200 rose 106 points to 9128 (1.2%). Banks were slightly higher with WBC up % and the Big Bank Basket rose to $310.41 (0.5%). MQG had an anaemic 0.3% rally. Financials were better with GQG up 3.3% and ZIP soaring 9.4%. NWL and HUB also rallied. Insurers flat. REITs mixed, SCG up 0.3% and MGR falling 1.0%. Healthcare mixed, CSL flat, RMD down 2.7%. Tech was the place to be following a US rally and the WTC results and job losses. WTC rose 11.1% kicking the All -Tech Index up 4.0% with XRO up 5.5% and IRE jumping 9.6% on better-than-expected results. MP1 bounced 9.8% as volatility continued. Industrials mixed, WOW soared 13.0% on much better results, JBH rallied 0.9% and WES continued lower. TAH hit the jackpot on results rising 23.5%. REA and CAR both trundled higher. In resources, BHP hitting record highs again up another 3.2%. FMG jumped 4.7% on results. RIO joined in too. Gold miners were mostly better, NST up 2.1% and EVN up 3.3%. Lithium stocks jumped again, PLS up 2.8% and MIN up 1.5%. LYC jumped 7.9%. Copper stocks also in demand, SFR up 2.2%. Uranium stocks picked up pace, PDN up 4.0% and NXG rising 3.7%.In corporate news, DMP dumped 11.1% on sales and margin issues. FLT softer on reaffirmed guidance. IRE rallied 9.6% on results and AX1 soared 19.9% after beating H1 and the dividend. DRO also had a good day, up 12.6%, after net profit jumped 367%. Still only $3.5m.On the economic front, Australian monthly CPI came in a 3.8% as expected. 3.4% on the core CPI. Slightly above forecasts. Rate rises still on the table.Asian markets came back online with Japan up 2.4%. China up 1.2% and HK rising 0.8%.US Futures slightly firmer. Dow up 4 and Nasdaq up 29 on SOTU Address.—Marcus Today – Daily Market InsightsMarcus Today provides clear, practical commentary for self-directed investors – covering markets, portfolios, education, and decision-making without the noise.If you'd like to go further:Start a free 14-day trial of Marcus Today http://bit.ly/mt-trial-podcastJoin Marcus Today Use code MTPODCAST for 10% off http://bit.ly/mt-join-podcast-offerMT20 – Managed ETF Portfolio A professionally managed portfolio run by Marcus Padley and the team, using ASX-listed ETFs with active market timing. http://bit.ly/mt20-podcastPrinciples – How We Think About Investing A short video series on timing, behaviour, and decision-making. No stock tips. http://bit.ly/mt-principles-podcast—Disclaimer This podcast is general information only and does not consider your personal circumstances. It is not personal financial advice.

Jeremy Keil explains the 5 RMD (Required Minimum Distribution) mistakes in Retirement and how to avoid them. A retiree recently called for help. It was their first year taking Required Minimum Distributions. They had delayed their first RMD until April of the following year — which meant taking two distributions in one tax year. That part was allowed. In some cases, it can even be strategic. But when they called their IRA custodian and asked, “How much should I withhold for taxes?” they were given the default answer: 10% federal withholding. They assumed that must be right. It wasn't. They ended up short on taxes by more than $10,000 — and owed penalties on top of that. That situation wasn't caused by breaking a rule. It was caused by following the rule without a plan. And that's where most RMD mistakes begin. I recently wrote an article for Kiplinger magazine titled “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” and for this week's episode of the “Retire Today” podcast I decided to talk through each of these mistakes in detail. Mistake #1: Waiting Until Age 73 to Create a Plan Turning 73 is not a strategy. If you wait until the government forces your first RMD to think about it, you've already missed years of opportunity. The window between retirement and RMD age is often the most flexible tax-planning period of your life. In those years, you may have: Lower earned income No required withdrawals yet Control over when and how you take distributions That's prime territory for intentional tax planning. Once RMDs begin, you've lost some flexibility. In the KEEP step of the Retirement Master Plan, tax timing matters. RMDs don't happen in isolation. They interact with Social Security, pensions, and brokerage income. Planning ahead—sometimes a decade ahead—can dramatically change the long-term outcome. Mistake #2: Failing to Make Use of Qualified Charitable Distributions (QCDs) This one surprises me every year. RMDs currently begin at age 73 (moving to 75 for those born in 1960 or later). But Qualified Charitable Distributions still start at 70½. That means you can send money directly from your IRA to a charity before RMDs even begin. Why does that matter? Because a QCD: Reduces your IRA balance (lowering future RMDs) Keeps the distribution out of your taxable income May help limit Social Security taxation May help reduce Medicare premium surcharges Many retirees continue writing checks to charities from their checking account, hoping for a deduction. With today's larger standard deduction, many people don't itemize at all. Going directly from IRA to charity is often more tax-efficient—and sometimes dramatically so. If charitable giving is already part of your plan, the tax strategy should be part of it too. Mistake #3: Doing the Wrong Tax Withholding When retirees call their custodian to take their RMD, they're often asked: “How much would you like withheld for taxes?” The default federal withholding is often 10% for IRAs and 20% for 401(k)s. Many people assume, “That must be right.” It often isn't. I recently saw a retiree who delayed their first RMD until April of the following year—which meant taking two distributions in one year. They defaulted to 10% withholding. They ended up underpaying taxes by more than $10,000 and owed penalties. The custodian can't provide tax planning. That's not their role. Before taking an RMD, you need to project: What tax bracket you'll land in Whether additional withholding is necessary How this affects your overall estimated payments Again, this falls under the KEEP step. Don't let the default settings dictate your tax bill. Mistake #4: Not Realizing How Your RMD Income Affects the Rest of Your Tax Return RMDs don't just increase taxable income. They can: Make more of your Social Security taxable Push capital gains from 0% into taxable territory Trigger Medicare IRMAA surcharges Many retirees focus only on their marginal bracket. But the real issue is tax cost, not tax bracket. An extra $20,000 RMD might not just be taxed at 22%. It could cascade into additional taxation elsewhere. That's why projections matter. You don't want to discover these ripple effects after the fact. Mistake #5: Forgetting That the M in RMD means ‘Minimum,' not ‘Maximum' The M in RMD stands for minimum. It does not mean that's the only amount you're allowed to withdraw. You can: Withdraw more than your RMD Complete Roth conversions after satisfying the RMD Send more than your RMD amount to charity (subject to QCD limits) Sometimes taking more than the minimum makes sense—especially if it smooths taxes over multiple years. RMDs are a rule. They are not a retirement strategy. The Bigger Lesson RMDs are not just a government requirement. They are a planning opportunity—or a planning hazard. They affect your income plan (MAKE), your spending plan (SPEND), your tax strategy (KEEP), and even what you ultimately LEAVE behind. The biggest mistake isn't misunderstanding a rule. It's treating RMDs as an isolated event instead of part of a coordinated retirement master plan. Because in retirement, small tax decisions compound just like investment returns may do. And when handled intentionally, RMDs don't have to derail anything at all. Don't forget 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 retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: – Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps – “5 RMD Mistakes That Could Cost You Big-Time: Even Seasoned Retirees Slip Up” by Jeremy Keil, Kiplinger Magazine – https://www.kiplinger.com/retirement/required-minimum-distributions-rmds/rmd-mistakes-that-even-seasoned-retirees-can-make – Create Your Retirement Master Plan in 5 Simple Steps – 5StepRetirementPlan.com  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

Jim and Chris are joined by Jake Turner to discuss listener emails in this special tax related episode covering Roth conversions after RMD age, balancing Roth versus Traditional IRA contributions, HSA versus Roth contributions, IRA reporting questions, filing deceased tax returns, and a listener PSA on tax planning software. (11:30) A listener asks whether converting to a Roth makes sense at age 75 while currently in the 12% bracket and taking RMDs, and whether recent tax law changes create a strategy opportunity. (20:20) George wonders whether his 30-something children should continue using Roth contributions exclusively or begin balancing with Traditional IRA contributions as their wages increase, and asks what percentage split between Traditional and Roth accounts looks reasonable in retirement. (48:45) The guys discuss whether covering medical expenses from an HSA and contributing to a Roth IRA, or leaving the HSA intact and paying medical bills out of pocket will result in greater retirement spending flexibility. (57:00) Jim, Chris, and Jake address whether a spouse who retired during the year is considered covered by a workplace plan, how to answer prior nondeductible IRA contribution questions, and whether Form 8606 is required after making and converting a small IRA contribution in the same year. (1:10:30) George asks how to handle the direct deposit of a refund on a deceased final 1040, including whether to use the estate bank account with an EIN or the decedent's existing account, and whether a paper check remains an option. (1:15:30) A listener PSA introduces Catalyst Tax Insights, a free tool to run “what if” scenarios and estimate taxes owed without using full tax software. The post Tax Special – Conversions, Contributions, HSAs, Tax Returns, Tax Software PSA: Q&A #2608 appeared first on The Retirement and IRA Show.

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Required Minimum Distributions (RMDs) are not just mandatory withdrawals — they are forced taxable income that can quietly reshape your retirement tax picture. Higher income from RMDs can trigger increased marginal tax rates, IRMAA surcharges, greater Social Security taxation, and long-term compounding tax consequences — especially for married couples navigating the widow/widower tax penalty. In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about RMD tax planning as a long-term process — not just a once-a-year withdrawal decision — including: Why RMD planning is really tax bracket management over time How Roth conversions can shrink future Required Minimum Distributions Smart timing and withholding strategies that create flexibility How Qualified Charitable Distributions (QCDs) reduce taxable income The role of income targeting and IRMAA awareness What types of assets to convert — and why it matters Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/  Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/  Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

Don and Tom tackle S&P 500 concentration risk and the dominance of the Magnificent Seven, explaining why diversification still matters despite compelling active management narratives. They clarify the difference between currency and investment in a pointed Bitcoin vs. U.S. dollar discussion, then pivot to fixed income strategy—highlighting why low-cost, large-scale bond funds like BND often outperform higher-fee “active” alternatives that quietly take more credit risk. Listener calls cover 401(k) catch-up contributions, bond ETF selection for retirement income planning, and whether using excess RMD funds for Roth conversions really adds value after taxes and IRMAA considerations. As always, the theme is disciplined investing over storytelling. 0:04 Technical chaos intro and why better investing still matters 1:32 S&P 500 concentration risk and the “Magnificent Seven” problem 2:40 The dangerous “but” in diversification pitches 3:43 Small, value, and momentum factors explained briefly 5:33 Active management as narrative creation 9:57 Bitcoin vs. U.S. dollar as currency vs. investment 13:29 What actually makes something an investment 15:08 Bond ETFs for retirement years 5–8: BND vs. Avantis 17:42 Why bond fund size and expenses matter 21:36 Active bond ETFs, credit risk, and hidden tradeoffs 25:38 401(k) catch-up contributions clarified 30:21 Roth conversions, RMD strategy, and tax math realities 34:09 IRMAA considerations and Medicare premium surprises Learn more about your ad choices. Visit megaphone.fm/adchoices

Is hiring a financial planner worth it in 2026?

In this episode of Behind The Wealth, we unpack the headlines shaping the financial landscape: the alarming surge in data breaches that hit record levels in 2025 and what it means for your personal security and financial life; the often-ignored emotional and identity challenges of retirement that go beyond the numbers; and whether market prices really reflect what we read on the front page or if headlines simply lure investors into distraction. From cybersecurity risk to retirement readiness to market psychology — we help you separate noise from the signals that truly matter.   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.

In this episode, The Annuity Man discusses:  RMDs as a built-in income stream Building a reliable income floor for Chapter Two Stacking income sources intentionally Choosing truth over product-driven advice   Key Takeaways:  Required Minimum Distributions are not just tax events but forced withdrawals that create predictable income. Like Social Security, they function as an annuity whether you planned for one or not. Seeing RMDs as income rather than irritation changes how retirement planning is approached. Retirement is reframed as Chapter Two, a season focused on lifestyle and freedom. The priority is creating a guaranteed income floor that covers essential expenses regardless of markets. With that baseline secured, retirees gain confidence and flexibility in their financial decisions. An income floor can include Social Security, pensions, RMDs, dividends, rentals, bonds, CDs, treasuries, and MYGAs. RMDs must be factored in because they are predictable and legally required. Failing to include them can lead to unnecessary product purchases and inefficient planning. Not everyone needs to buy an additional annuity. If projected RMD income already meets lifestyle needs, additional guarantees may be unnecessary. A truth-first approach prioritizes client needs over sales, reinforcing trust and long-term credibility.   "You already own an annuity, and it's called Social Security, and it's the best inflation annuity on the planet." —  Stan the Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Your RMD math: did you get it right this year? The IRS is watching. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Host: Brian P. McDonough, MD, FAAFP Guest: Tara Graff, DO, MS Guest: Surbhi Sidana, MD While BCMA-directed CAR T-cell therapy has changed the treatment landscape for patients with relapsed and refractory (R/R) multiple myeloma, access remains uneven outside academic centers. In this expert-led discussion, Dr. Brian McDonough, Dr. Surbhi Sidana, and Dr. Tara Graff explore real-world barriers to referral and delivery, evolving care models, and the multidisciplinary coordination required to extend CAR T therapy into community practice. Dr. Sidana is an Associate Professor of Medicine, and she leads the Myeloma CAR T and Immunotherapy program at Stanford Medicine. Dr. Graff is the Director of Clinical Research at Mission Cancer + Blood, and she serves on the National CAR T-Cell Advisory Board for Multiple Myeloma.

Guest: Courtney Crawford, MD, FACS Guest: Raj Maturi, MD While anti-VEGF therapy can deliver vision gains with consistent, frequent injections in clinical trials, it may be challenging to sustain this in real-world practice.1 Ocular gene therapy could be a potential option for patients with neovascular age-related macular degeneration if approved. With this approach, transgenes are delivered to the eye by adeno-associated viruses (AAVs).2-4 Learn more with Drs. Courtney Crawford and Raj Maturi, who shared their perspectives on investigational gene therapy, patient conversations, and surgical considerations at the 2025 American Academy of Ophthalmology annual meeting in Orlando, Florida. Dr. Crawford is a board-certified retina specialist and founder of Star Retina in Burleson, Texas. He previously served for 10 years as a physician in the U.S. Army, where he attained the rank of Lieutenant Colonel. Dr. Maturi is a board-certified retina specialist at the Midwest Eye Institute and founder of Retina Partners Midwest in Carmel, Indiana, where he focuses on macular, retina, and vitreous care. References: Weng CY, Singh RP, Gillies MC, Regillo CD. Optimizing visual outcomes in patients with neovascular age-related macular degeneration: the potential value of sustained anti-VEGF therapy. Ophthalmic Surg Lasers Imaging Retina. 2023;54:654–659. Petrich J, Marchese D, Jenkins C, Storey M, Blind J. …

Andy and Jason Cutitta from ToBa Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: How to incorporate a potential inheritance into your retirement planning ( 12:30 )Limitations of the "Die With Zero" concept ( 18:55 )The upcoming ability to do in-plan Roth conversions in the federal Thrift Savings Plan ( 29:06 )Whose retirement accounts to take from first when spouses have a big age disparity ( 36:56 )When are you required to file a tax return. And even if you aren't required to file one, why you still should anyway ( 45:04 )How to try to project your income for the year when there are certain items you can't know for sure until later in the year ( 53:32 )When in the year is the best time to take your annual Required Minimum Distribution ("RMD") ( 1:01:02 )How much money do you need in retirement to justify hiring a financial advisor ( 1:08:21 )Links in this episode:ToBa Financial website - https://www.jasoncutitta.com/toba-financialThe Hawaii Retirement Show podcast - https://www.jasoncutitta.com/hiretirementshowTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Host: Brian P. McDonough, MD, FAAFP Guest: Christopher T. Chen, MD What if a simple blood draw could reveal whether a patient is responding to treatment before surgery? That question is at the heart of a study presented at the 2025 ESMO Congress, which investigated neoadjuvant immune checkpoint blockade in mismatch-repair-proficient (MMR-p) colon cancer. In addition to confirming that combination immunotherapy prior to surgery is a safe and feasible approach, the study also found that circulating tumor DNA (ctDNA) levels correlated with both tumor burden and early treatment response. Joining Dr. Brian McDonough to unpack these insights is Dr. Christopher Chen, Assistant Professor in the Division of Oncology in the Department of Medicine at Stanford University School of Medicine.

Host: Yuval Zabar, MD Guest: Michelle Mielke, PhD Guest: Henrik Zetterberg, MD, PhD For the latest insights on tau and neurodegeneration biomarkers in Alzheimer's disease (AD), tune in to this recorded presentation featuring Doctor Michelle Mielke and Professor Henrik Zetterberg. Together, they delve into the role of tau in AD, exploring the ‘tau cascade', the current use of tau and neurodegeneration biomarkers in tracking disease progression, and how the AD biomarker landscape may evolve over time. Doctor Mielke is a Professor of Epidemiology and Neurology at the Wake Forest University School of Medicine, and Professor Zetterberg is a Professor of Neurochemistry at the University of Gothenburg. To learn more about tau in Alzheimer's disease, explore the Know Tau medical education platform. Know Tau is created and funded by Biogen and is intended for healthcare professionals only.

This week on Behind the Wealth, Roger Abel and Elias Randel break down three major stories shaping 2026. They discuss the S&P 500 reaching a new all-time high, what's driving market momentum, and how investors can think about risk when headlines feel overwhelmingly positive. They also explore the hidden housing challenges within the Great Wealth Transfer and review five key charts framing the economic and market landscape for the year ahead. If you're looking for perspective beyond the headlines, this episode connects current events to thoughtful, long-term financial planning. 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.

Once your portfolio crosses $5 million, the game changes. Growing your money is no longer the hard part... protecting it is. Tax mistakes that used to feel like small inefficiencies can quietly turn into six-figure problems that compound throughout retirement.This episode breaks down the tax strategies that actually matter once you're in high-net-worth territory. With multiple account types, portfolio income pushing you into higher brackets, and large pre-tax balances creating future RMD and Medicare risks, the way you withdraw money becomes far more important than how much you've saved.The focus here isn't how to minimize taxes this year. It's how to reduce your lifetime tax liability. James covers intentional tax-bracket filling, when Roth conversions help and when they backfire, why asset location matters more as portfolios grow, how capital gains planning really works, and how charitable strategies can dramatically improve after-tax outcomes. Doing Roth conversions the wrong way can cost nearly seven figures, shown by James' sample case study, helping you see that a disciplined approach creates meaningful long-term gains.If you have $5 million or more invested, this is about control. Control over when you pay taxes, which accounts you pull from, and how much of your wealth you actually get to keep.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

As the Patriots will face the Seahawks this Sunday, we will have a little fun with the famous "Super Bowl Indicator" and analyze the record-breaking $8 million cost for a 30-second ad spot.Today's Stocks & Topics: Lincoln Electric Holdings, Inc. (LECO), Market Wrap, VanEck Gold Miners ETF (GDX), Etsy, Inc. (ETSY), The Super Bowl Indicator, ServiceNow, Inc. (NOW), High Yield Savings Account vs. Money Market Fund, Copart, Inc. (CPRT), US Manufacturing and Tariffs, Adobe Inc. (ADBE), Expedia Group, Inc. (EXPE), ResMed Inc. (RMD).Our Sponsors:* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

This week on Behind The Wealth, we tackle two of the most common — and emotionally charged — questions people ask about money. First, Amy wants to know: How much does the average retiree actually have saved? Headlines often suggest you need millions to retire comfortably, but national data paints a very different picture. More importantly, averages don't tell you what you truly need. We break down why retirement planning isn't about chasing a “magic number,” but about building a strategy around your goals. Then Dale asks: How do we invest a large amount of cash without feeling like we'll regret the timing? When markets feel uncertain, holding cash can feel safe — but waiting for the “perfect” moment can quietly create its own risk. We discuss how to think about putting money to work in a way that aligns with your timeline, purpose, and comfort level, without turning investing into an all-or-nothing decision. If you've ever wondered whether you're “on track” for retirement or struggled with the fear of investing at the wrong time, this episode will help you reframe the questions and focus on what actually drives long-term financial confidence. 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.

Andrew Rosen, CFP®, CEP, writes in a Kiplinger article how to walk through several common reasons people keep working — even as retirement comes into view. Rather than looking at money first, the author looks at motivation and breaks it into five broad categories: Category 1: I must keep working Category 2: I probably should keep working Category 3: I want to keep working Category 4: I'm afraid to retire Category 5: I don't know why I'm still working The author suggests borrowing from a concept by Artiste called "First Principles Thinking". Listen in for the answer. Also, our listener Maria asks about the timing of your first RMD (Required Minimum Distribution): "If we want to skip our 1st RMD and take two the following year, how does that work?" Resource: Article by Andrew Rosen, CFP® in Kiplinger's "Why Are You Still Working?" Connect with Benjamin Brandt Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

This week's show covers sequence of returns risk in early retirement, avoiding RMD mistakes, rebalancing your portfolio in a lofty market, and lots more!

Feeling overwhelmed by headlines? JoePat Roop cuts through the noise to focus on what truly affects retirees: taxes, income, healthcare, and timing. With insights on charitable strategies, RMD pitfalls, Roth conversions, and emotional decision‑making, this episode helps you reclaim confidence. Dolly Parton’s message on legacy adds heart to the discussion of preparing wisely for tomorrow. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Brian and Jeremiah tackle a fast-moving financial landscape—where market volatility, tariff headlines, and economic uncertainty can push investors into emotional decision-making. The show explores a proposed 10% cap on credit card interest rates, debating whether it's consumer protection or government overreach, and how limiting risk can also limit opportunity. They connect today's headlines to long-term strategy, using the BetterBuckets® strategy to explain how separating money into stability, income, and growth "buckets" helps investors stay disciplined when markets fluctuate. Through practical examples, they show why reacting to short-term fear can derail long-term financial success. The show also features in-depth retirement planning guidance, including Roth conversion strategy, required minimum distribution (RMD) planning, Medicare IRMAA impacts, and the decision of when to claim Social Security. Listeners learn how tax efficiency, cash-flow planning, and understanding the ripple effects of financial decisions can create flexibility and reduce surprises in retirement.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Jim and Chris discuss listener emails on Social Security survivor benefits and the earnings test, share a listener PSA on Social Security timing and IRMAA, then cover ERISA protections for retirement rollovers and a PSA from Greg on lifetime unlimited long-term care policies.(9:45) Georgette asks whether she must still take her husband's required minimum distributions if he passes during his RMD year and how Social Security survivor benefits work, including whether she should claim a widow's benefit or wait to take her own.(50:45) A listener asks how the Social Security earnings test applies when someone retires before full retirement age and applies midyear, and how to avoid missing a month of income due to the timing of benefit payments.(55:00) The guys share a PSA about applying for Social Security and receiving benefits within days, which caused an unexpected IRMAA impact.(1:00:35) Jim and Chris discuss whether rolling Roth and pre-tax 401(k) assets into IRAs results in losing ERISA protections, or if separate rollover IRAs are needed to preserve those protections.(1:15:15) Greg, from our office, shares a PSA clarifying that some lifetime unlimited long-term care policies still exist. The post Social Security, ERISA, LTC: Q&A #2604 appeared first on The Retirement and IRA Show.

The years between your last paycheck and your first Social Security or RMD can be the most valuable tax planning window of your life. We call it the Golden Window, and it's when your income is low, your tax brackets are flexible, and your choices can reshape your entire retirement. In this conversation I lay out the strategy that helped one couple save $180,000 in lifetime taxes without sacrificing lifestyle or taking more risk.We unpack how to use low-income years to your advantage: converting pre-tax IRAs to Roth at favorable rates, harvesting long-term capital gains at 0% in some cases, and rebalancing or simplifying portfolios with minimal tax impact. Why delaying Social Security and pensions can open room to “fill” the 12% or 22% bracket with Roth conversions today to avoid 24% to 32% later. You'll learn how proactive moves now can shrink future RMDs, reduce IRMAA surcharges on Medicare premiums, and lower the portion of Social Security that gets taxed.You'll also hear a step-by-step case study of Mark and Linda, both retired at 62 with most of their savings in IRAs. By living from cash and brokerage for five years and converting $60,000 to $100,000 annually before age 67, they moved $380,000 into Roth accounts, cut projected RMDs from $78,000 to $32,000, avoided IRMAA, and kept more of every benefit. Common pitfalls to avoid—claiming Social Security too early, turning on pensions immediately, skipping conversions, and ignoring bracket math—and a clear framework to plan year by year.If you're looking to build a smarter retirement tax plan and stop tipping the IRS, this breakdown gives you the blueprint. Subscribe, share with someone planning to retire soon, and leave a review with the question you want answered next.

Jackson joins Drew on the air this week as they talk to callers and answer questions regarding 401k catchups, annuities, Roth 401ks, RMD's, and more! Download and enjoy! 

Susan is 65, recently widowed, and has saved $2.1 million for retirement.On paper, she's more than fine… but emotionally, she doesn't feel fine.After watching her husband pass away, Susan is ready to retire five years earlier than planned so she can enjoy her “go-go years” while she still has her health.But she's terrified of one thing:

Everyone wants financial freedom. But for many of us, freedom gets defined by “more”—more income, more margin, more accumulation. The irony is that the more we chase, the less peace we often feel. The issue isn't just mathematical. It's spiritual. Money is one of the clearest mirrors of what we trust. And trust—not strategies or spreadsheets—is where true financial freedom begins.To explore that idea, we sat down with Ron Blue, cofounder of Kingdom Advisors and a pioneer in modern biblical financial stewardship. For more than fifty years, Ron has helped Christians think about money through the lens of Scripture, wisdom, and faithful discipleship.Ron pointed out that financial behavior always flows from belief. If we believe we own our resources, then every financial decision carries pressure and fear. But when we acknowledge that God owns everything, that pressure shifts. Instead of performing, controlling, or protecting outcomes, we begin stewarding what belongs to Him. Surrender turns money from a fear-based issue into a faith-based one.Many of us assume money is a knowledge problem—if we just learn more or find better tools, we'll finally make progress. But Ron reminded us that Scripture treats money as a matter of wisdom. Knowledge alone can complicate money; wisdom simplifies it. Biblical principles don't change with markets or trends, and when we make decisions rooted in principle, we gain clarity and peace.Fear is one of the most silent drivers in our financial lives. Most people quietly wonder, “Will I ever have enough?” and “If I do, will it remain enough?” Fear focuses on what we lack rather than what God has already provided. Jesus counters that fear in Matthew 6:33 by calling us to seek first God's Kingdom and trust Him with our needs—food, clothing, and shelter included.Ron also stressed that generosity plays a unique role in financial freedom because it breaks money's hold on the heart. He described giving as an open hand—letting God put in or take out as He chooses. Giving is unnatural and counterintuitive, but it declares trust in God's provision and aligns us with His purposes.If financial freedom is the goal, surrender, wisdom, trust, and generosity are the path. Tools matter, budgets matter, and knowledge matters, but none of them can replace a heart anchored in God's ownership. True freedom doesn't start with more. It starts with surrender.On Today's Program, Rob Answers Listener Questions:My son wants to buy a home, but it doesn't qualify for a mortgage because of its condition. The owners offered a rent-to-own contract in which he'd make repairs and try to qualify for financing later. What are the pitfalls with that? And after making repairs under rent-to-own, would he still be able to get a mortgage?My husband and I are a blended family with adult children, and we're working on estate planning. We were introduced to an A-B trust, but we don't really understand the pros and cons. Is an A-B trust a good fit for us, and are there other approaches that would ensure our children receive their inheritance?I'm 68, and I rent a house on my landlady's property. She's 82 and declining in health, and my son thinks I should consider buying a home for long-term security. Am I too old to buy a house at this stage of life? And should I also be considering long-term care insurance?I inherited money from a family member's trust. The first RMD was already taken, and I have ten years to withdraw the rest. Am I allowed to make a qualified charitable gift from an inherited IRA, or am I ineligible because I'm not 70 yet?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Wisdom 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.

Chris's SummaryJim and I continue last week's EDU discussion on Roth IRA mistakes from an Investopedia article. We cover direct versus 60-day rollovers, the one-per-365-day IRA-to-IRA limit, and the 401(k) 20% withholding rule with the RMD and NUA exceptions. We revisit backdoor Roth mechanics and the pro rata rule, then shift to beneficiary designation forms and why naming an estate creates probate and creditor issues. We close with inherited Roth withdrawal timing under SECURE Act rules and the 10-year window. Jim's “Pithy” SummaryChris and I pick up where last week's EDU episode left off, using the Investopedia Roth mistakes article as a launching point to correct what they compress or misstate. The rollover section is where people get hurt, because they describe the old IRA rule like it was “once per calendar year,” and it wasn't. It's a 365-day framework, and the one-per-365-day limit still matters when you do the “show me the money” version of a rollover. I also keep pushing back on indirect rollovers from a 401(k), because the 20% withholding isn't optional. There are narrow exceptions—but those aren't general flexibility, they're specific rules people routinely misunderstand. The other item that's far more important than its position on the list is beneficiary designation forms. These accounts pass by beneficiary form first, not your will, which can create probate delays, attorney fees, and creditor complications for the people left to sort it out. Chris adds the practical version of the same mistake: circumstances change, paperwork doesn't. Old beneficiaries stay on file, and the form controls the outcome even when it creates an awkward situation. We also get into inherited Roth timing under the SECURE framework—who qualifies as an eligible designated beneficiary, what the 10-year window actually requires, and why Roths don't fit the required beginning date logic the way traditional accounts do. That difference matters when you're thinking about flexibility for heirs and how long the account can sit untouched. If the real goal is the zero in the 2-1-0 Tax Ordering Number, the logic behind leaving a Roth can look very different than what you'd conclude from a short listicle about Roth IRA mistakes. Show Notes: Article – 11 Mistakes to Avoid With Your Roth IRA The post Roth IRA Mistakes, Part 2: EDU #2602 appeared first on The Retirement and IRA Show.

The New Year’s resolution Financial Boot Camp continues with an advanced look at 2026 tax planning and how recent tax law changes may affect retirement and income decisions. In this episode of Protect Your Assets, David Hollander walks through updated tax rules and planning considerations involving IRAs, 401(k)s, Roth strategies, and required minimum distributions (RMDs). The discussion highlights scenarios where RMD timing, rollover decisions, and Roth conversions may warrant closer review, particularly for individuals approaching or already in retirement. 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.

This year's prediction contest is live on Metaculus. They write: This year's contest draws directly from that community, with all questions suggested by ACX readers. Both experienced forecasters and newcomers are invited to participate, making predictions across U.S. politics, AI, international affairs, and culture. To participate, submit your predictions by January 17th at 11:59 PM PT. At that time, we will take a snapshot of all standing forecasts, which will determine the contest rankings and the allocation of the $10,000 prize pool. While you are encouraged to continue updating your predictions throughout the year, forecasts made after January 17th will only affect site leaderboards, not contest rankings. You are welcome to create a bot account to forecast and participate in addition to your regular Metaculus account. Create a bot account and get support building a bot here. And they've also announced this year's winners for best questions submitted. Congratulations to: Gumbledalf ($700) espiritu57 ($500) setasojiro843047 (Substack handle) ($400) sai_39 ($300) nicholaskross ($250) (Anonymous) ($200) (Anonymous) ($200) RMD ($150) (Anonymous) ($150) Hippopotamus_bartholomeus ($150) To participate in the tournament or learn more, go to Metaculus. https://www.astralcodexten.com/p/acxmetaculus-prediction-contest-2026