Podcasts about rmd

Listener Q&A where Andy talks about: How to account on your tax return for the basis in inherited IRAs ( 7:00 )Is having large Required Minimum Distributions ("RMDs") really a bad thing ( 12:04 )Is there any merit to using a break-even analysis to help decide when to start Social Security ( 15:59 )When does it make sense for someone to consider working with a financial advisor ( 18:14 )Are Roth contribution and conversion rules the same across all of the various types of employer retirement accounts like 401(k)s, 403(b)s, TSP, etc. ( 26:18 )Are there separate five-year holding periods for Roth conversions done in employer retirement plans ( 27:37 )Do in-plan Roth conversions each have their own five-year holding period to waive the 10% early withdrawal penalty ( 30:36 )Can Roth conversions be done before taking any distributions or doing Qualified Charitable Distributions ("QCDs") in the year someone turns RMD age ( 31:49 )If receiving Restricted Stock Units ("RSUs") or deferred compensation in years after you stop working, is that considered earned income eligible for making Roth IRA contributions ( 34:38 )Does taking a really large Health Savings Account ("HSA") distribution make you a higher audit risk in the eyes of the IRS ( 39:19 )Is there a way to invest in broad stock market exposure but without the ongoing dividends such index fund pay out ( 42:27 )Does the progress toward meeting the five-year rule within an employer Roth retirement plan port over to a Roth IRA or other employer Roth plans when doing a rollover, or vice versa ( 46:08 )How to plan and account for an inheritance that a person is rather certain to receive, but the timing of receiving it isn't certain ( 49:43 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:My 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

Jim and Chris discuss listener questions on Social Security retroactive payments and delayed retirement credit timing, share a listener PSA on horse speed, and answer questions on fixed indexed annuity default credits, a living benefit rider with a proprietary index, and RMD rules for an inherited account. (15:45) A listener asks if the lack of […] The post Social Security, PSA, Annuities, RMD Rules: Q&A #2534 appeared first on The Retirement and IRA Show.

With the passing of the SECURE Act 2.0, the IRS age trigger for required minimum distributions has been raised to 73, but as we all know, Uncle Sam always gets his cut, so having a strategy is critical. Donna and Nathan discuss RMD planning, and how to use the rules to your maximum benefit. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/19/2025; Original Air Date: 10/15/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

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This week on Dividend Talk, Derek is joined by Jeremy from Dividend Stockpile to explore some of the biggest Megatrends shaping our investing future. We cover the opportunities and risks in infrastructure, clean energy, technology, and healthcare, and how dividend investors can position themselves for the next decade and beyond.You'll hear about recent dividend news from Interface (TILE) and Agree Realty (ADC), how US and European infrastructure approaches differ, why utilities like Iberdrola (IBE.MC) and Enel (ENEL.MI) stand out, and how tech giants Meta (META), Alphabet (GOOG), and Microsoft (MSFT) fit into the AI megatrend. We also look into healthcare innovation, options income strategies, and favourite finance content creators.Tickers Mentioned: TILE, ADC, O, BAM, BIP, NEE, DUK, ED, IBE.MC, ENEL.MI, ABB, DG.PA, META, GOOG, MSFT, GE, CWEN, ASML.AS, SAP, MDT, MRK, ABBV, NVO, LLY, ROG.SW, SNY, SYK, ABT, BDX, RMD, STRCChapters:00:00 – Introduction & Guest Welcome02:52 – Company News: Interface & Dividend Increases05:41 – Agree Realty & REIT Quality08:43 – Understanding Megatrends11:51 – Infrastructure as a Megatrend29:06 – Clean Energy Transition39:31 – The Rise of Technology & AI46:51 – Healthcare Opportunities01:04:06 – Options Income Strategies & High Yield Ideas01:20:06 – Favorite Finance Content Creators & Closing RemarksGet a free sample of our premium dividend newsletter! Stay ahead of the market with in-depth stock analysis here: https://dividendtalk.eu/download-your-free-samples/ Stay Updated:Twitter - @DividendTalk_Twitter - @European_DGIJoin our Facebook Community - Dividend Talk Facebook GroupJoin our Discord group - https://discord.gg/nJyt9KWAB5

On today's episode of Simply Money presented by Allworth Financial, Bob and Brian dig into the headlines shaping the rest of 2025 — from what could keep markets moving higher to how U.S.–China relations may quietly influence your portfolio. Plus, the guys tackle big-money listener questions on RMD strategies, falling municipal bond yields, and preparing for a future business sale.

Are you one of the many people who've inherited a retirement account and are now wondering, "What's an RMD and how do I manage it?" The rules around inherited IRAs and required minimum distributions have changed, and it can be confusing.In this episode of Check Your Balances, we're tackling the complex topic of managing Required Minimum Distributions (RMDs) on an inherited IRA. We'll break down the key rules, including the 10-year rule, and discuss how to create a strategy that works for you.Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Jim and Chris discuss listener questions on Social Security timing strategies, Roth conversions in an RMD year, annuity return calculations, account sourcing for SPIA purchases, and Rule of 55 withdrawal rules.(12:30) A listener asks whether his brother should delay claiming Social Security to age 70 for better longevity protection despite a narrow breakeven.(35:15) George asks […] The post Social Security, Roth Conversions, Annuities, and Rule of 55: Q&A #2532 appeared first on The Retirement and IRA Show.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Sairah Ahmed, MD The treatment landscape for relapsed/refractory (R/R) large B-cell lymphoma has significantly shifted, with CAR T-cell therapies now offering curative potential in the second-line setting. But these advances also raise important questions, like how to identify the right candidates and navigate logistical barriers to ensure timely, equitable access. Joining Dr. Charles Turck to explore these critical considerations is Dr. Saira Ahmed, Associate Professor in the Department of Lymphoma and Myeloma and the CAR T Program Director in the Department of Lymphoma and Myeloma at the MD Anderson Cancer Center.

The S&P 500 just achieved something it's only done four times in the last 50 years and what could that mean for investors going forward. In this episode of Behind the Wealth, Roger & Elias take a closer look at the historical context behind this rare market event, what happened in previous instances, and why it's important to balance optimism with a disciplined strategy. Plus, they break down five common money habits that could quietly undermine your financial progress—especially during periods of market strength. From emotional spending to neglecting your emergency fund, small missteps can add up over time. Take control of your financial future: https://www.btwealthshow.com/start-planning 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 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. Asset allocation does not ensure a profit or protect against a loss. 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 no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. 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 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 required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Guest: Brian Slomovitz, MD Our treatment approach for patients with endometrial cancer is evolving, with antibody-drug conjugates (ADCs) and biomarker-driven therapies showing promise. Dr. Brian Slomovitz highlights future directions that could redefine treatment pathways for patients with advanced or recurrent disease. 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.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Neil M. Iyengar, MD Due to their wild-type inhibition, first-generation PIK3CA inhibitors for HR+/HER2- advanced breast cancer were limited by significant toxicities, including hyperglycemia, rash, and diarrhea. But now, mutation-specific PIK3CA inhibitors could help improve tolerability and adherence as well as simplify dosing strategies—all while maintaining efficacy. To learn more about the efficacy and safety of current and emerging PIK3CA-targeted therapies, Dr. Charles Turck speaks with Dr. Neil Iyengar, Co-Director of the Breast Oncology Program and Director of Cancer Survivorship Service at Winship Cancer Institute at Emory University.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Neil M. Iyengar, MD Guest: Komal Jhaveri, MD, FACP The second-line treatment of HR+/HER2-advanced breast cancer has evolved in recent years, particularly with the rise of biomarker-driven strategies targeting PI3Kα and other mutations. But given these advances, there's a lot we need to think about when selecting therapy, like the differences between selective and non-selective inhibitors, toxicity profiles, and shared decision-making. Joining Dr. Charles Turck to share their insights on those key considerations and how we can personalize care for patients with PI3Kα-mutated HR+/HER2- advanced breast cancer are Drs. Komal Jhaveri and Neil Iyengar. Dr. Jhaveri is the section head for the Endocrine Therapy Research Program in the Breast Medicine Service at Memorial Sloan Kettering Cancer Center, and Dr. Iyengar is the Co-Director of the Breast Oncology Program at the Winship Cancer Institute at Emory University.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Hope S. Rugo, MD, FASCO Not only is PI3Kα the most common mutation seen in patients with HR+/HER2- advanced breast cancer, but it's also associated with endocrine therapy resistance and more aggressive cancer growth. Given its prevalence and impact on outcomes, it's important to know how and when to test for this mutation and how emerging targeted therapies might change our approach in clinical practice. Joining Dr. Charles Turck to share her insights on PI3Kα testing and targeted therapies for HR+/HER2- advanced breast cancer is Dr. Hope Rugo, Director of the Women's Cancers Program, Division Chief of Breast Medical Oncology and Professor of the Department of Medical Oncology and Therapeutics Research at City of Hope Comprehensive Cancer Center.

The ASX 200 stormed higher to finish up 73 points or 0.8%. New record high. Up 2% in the last two sessions as every major sector save for Utilities finished in the green. Resources and Energy led thanks to a broad-based rally across all major commodities. Iron ore, copper, gold, uranium, oil stocks all running hot. Gold best despite bullion falling 0.4%. Stronger USD to blame. Lithium mixed as some profit taking crept in.Discretionary Stocks followed. Resuming their recent uptrend. Two big up days now on the trot. WES and ALL up 1.6% and 1.9%. JBH down 1.3%. Breaking its six-day win streak. REITs strong as CWL, CIP and BWP all reported. CIP best up 3.4%. Banks in the mid-pack thanks to the CBA up 1%. ANZ missed out only rising 0.1%. MQG (+0.5%) still going sideways. Tech similar despite the weak Nasdaq lead. Health Care up 0.55%. CSL (+0.9%) and PME (+1.1%) both up while RMD (-1.5%) took a break. NAN rose 4.6% on FDA approval news while TLX (+0.3%) failed to bounce despite brokers saying enough is enough.REA finished up 6.9% on full year results. Best in the Top 100 with NWS (+5.1%) close behind. Reporting earnings up 14%. PNI shot up 9.5% on excellent FUM numbers. Best in the Top 200. Dow futures up 0.4%. Nasdaq up 0.3%. Bond yields up since the open. China slightly higher while Japan is up 1%.Want to invest with Marcus Today? The Managed Strategy 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: Charles Turck, PharmD, BCPS, BCCCP Guest: Matthew Lunning, DO, FACP Despite FDA approvals and growing clinical integration, CAR T-cell therapies remain clouded by misconceptions, some of which could impact clinical decision-making and delay appropriate referrals. To help set the record straight on CAR T-cell therapy, Dr. Charles Turck speaks with Dr. Matthew Lunning about the realities of patient selection, safety, and access. Dr. Lunning is an Associate Professor in the Division of Hematology/Oncology at the University of Nebraska Medical Center.

Gen Zs may not know, but in the ‘90s, she was the moment, starring alongside RMD and lighting up every screen she graced.But then, she walked away from acting. Why? “It was boring,” she told me. And so, she pivoted, and made history behind the scenes instead.She produced Keeping the Faith, the film that introduced Genevieve Nnaji to the world. She created A Hotel Called Memory with Akin Omotosho. She even produced the jingle for President Obasanjo's first political campaign.One of the true icons of Nigerian cinema, in front of and behind the camera.Such a joy to sit with the elegant, brilliant, culture-shaping Ego Boyo.Watch all new and old full episodes here: watch.withchude.comBuy ‘How Depression Saved My Life', #TheDailyJoy and #TheDailyVulnerable books here: shop.withchude.com Donate to the work here: partner.withchude.com Please subscribe to our YouTube Channel: https://youtube.com/c/chude Hosted on Acast. See acast.com/privacy for more information.

In today's episode, we break down a viral TikTok retirement hack for kids, explore the unexpected benefit of working with a financial advisor (according to Vanguard), and uncover a powerful mindset shift that makes people 14% more likely to save for retirement. Whether you're planning for your future (or your child's) this episode connects trends, research, and real strategy. Take control of your financial future: https://www.btwealthshow.com/start-planning 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 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. Asset allocation does not ensure a profit or protect against a loss. 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 no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. 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 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 required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Guest: Abiodun Ologunowa Pediatric sickle cell disease treatment, particularly the use of hydroxyurea, NSAIDs, and opioids, has evolved in response to clinical guidelines and regulatory shifts, but gaps still remain in how children receive essential medications. Joining Dr. Charles Turck to discuss these national prescribing trends, disparities in care, and the implications of evolving treatment guidelines for this population is Dr. Abiodun Ologunowa. Dr. Ologunowa is a doctoral candidate and research assistant in the Department of Pharmacy Practice and Clinical Research at the University of Rhode Island College of Pharmacy.

Is your portfolio full of DORKs? Jonathan Penn and Jonathan McCarty unpack the return of meme stock mania and four speculative favorites: DNUT (Krispy Kreme), OPEN (Opendoor), RKLB (Rocket Lab), and KSS (Kohl's). These retail-loved names are soaring again—but should you follow the hype or stay grounded? We'll discuss why these stocks are rallying, the behavioral finance behind retail speculation, and the portfolio risks in chasing "lottery ticket" trades. Jonathan & Jonathan also memorialize Ozzy Osborne and Hulk Hogan; how college-grads' first jobs' earnings are not as rosy as expected, and the valueof a trade education is looking up; it's time to start thinking about portfolio housekeeping and RMD's as year-end approaches. How to manage inherited IRA's & wealth transfers; beneficiaries & estate planning. * NOTE: The Real Investment Show will be 100% digital starting Monday, August 4, 2025. Please be sure you're SUBSCRIBED here to catch each episode! SEG-1: Investor Appetite for Speculation SEG-2a: RIP, Ozzy & Hulk SEG-2b: Portfolio Returns & Meme Stock to Avoid SEG-2c: First Job Prospects for College Grads SEG-3a: Wrestle Mania Memories SEG-3b: College Education Expense ROI vs Trades & Apprenticeships SEG-4a: Candid Coffee & Web Tease SEG-4b: Portfolio Housekeeping & RMD's Hosted by RIA Advisors Senior Financial Advisors Jonathan Penn, CFP, & Jonathan McCarty, CFA, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=w-TT_XaVhgI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this report: "Japan Financing Seals The Deal And Toyota Jumps" https://realinvestmentadvice.com/resources/blog/japan-financing-seals-the-deal-and-toyota-jumps/ ------- The latest installment of our new feature, Before the Bell, "What Will Be the Catalyst for Correction?" is here: https://www.youtube.com/watch?v=T-N20Dd9DjU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "How AI is Driving the Market" https://www.youtube.com/watch?v=zhqbFkLRaO0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=173s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Articles mentioned in this report: "Japan Financing Seals The Deal And Toyota Jumps" https://realinvestmentadvice.com/resources/blog/japan-financing-seals-the-deal-and-toyota-jumps/ "AI Is Powering Markets" https://realinvestmentadvice.com/resources/blog/ai-is-powering-markets/ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MemeStocks #DORKportfolio #CollegeROI #TradeSchool #Apprenticeship #HulkHogan #WrestleMania #OzzyOsborne #IRA #RothIRA #RMD #InvestingAdvice #Money #Investing

Is your portfolio full of DORKs? Jonathan Penn and Jonathan McCarty unpack the return of meme stock mania and  four speculative favorites: DNUT (Krispy Kreme), OPEN (Opendoor), RKLB (Rocket Lab), and KSS (Kohl's). These retail-loved names are soaring again—but should you follow the hype or stay grounded? We'll discuss why these stocks are rallying, the behavioral finance behind retail speculation, and the portfolio risks in chasing "lottery ticket" trades. Jonathan & Jonathan also memorialize Ozzy Osborne and Hulk Hogan; how college-grads' first jobs' earnings are not as rosy as expected, and the valueof a trade education is looking up; it's time to start thinking about portfolio housekeeping and RMD's as year-end approaches. How to manage inherited IRA's & wealth transfers; beneficiaries & estate planning. * NOTE: The Real Investment Show will be 100% digital starting Monday, August 4, 2025. Please be sure you're SUBSCRIBED here to catch each episode!  SEG-1: Investor Appetite for Speculation SEG-2a: RIP, Ozzy & Hulk SEG-2b: Portfolio Returns & Meme Stock to Avoid SEG-2c: First Job Prospects for College Grads SEG-3a: Wrestle Mania Memories SEG-3b: College Education Expense ROI vs Trades & Apprenticeships SEG-4a: Candid Coffee & Web Tease SEG-4b: Portfolio Housekeeping & RMD's   Hosted by RIA Advisors Senior Financial Advisors Jonathan Penn, CFP, & Jonathan McCarty, CFA, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=w-TT_XaVhgI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "What Will Be the Catalyst for Correction?" is here:  https://www.youtube.com/watch?v=T-N20Dd9DjU&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "How AI is Driving the Market" https://www.youtube.com/watch?v=zhqbFkLRaO0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=173s ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Articles mentioned in this report: "Japan Financing Seals The Deal And Toyota Jumps" https://realinvestmentadvice.com/resources/blog/japan-financing-seals-the-deal-and-toyota-jumps/ "AI Is Powering Markets" https://realinvestmentadvice.com/resources/blog/ai-is-powering-markets/ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MemeStocks #DORKportfolio #CollegeROI #TradeSchool #Apprenticeship #HulkHogan #WrestleMania #OzzyOsborne #IRA #RothIRA #RMD #InvestingAdvice #Money #Investing

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Whitney Trotter Ross, MD, MSCI Despite advances in endometriosis treatment, bias and stigma continue to delay diagnosis and disrupt care for many patients. Informed, empathetic care is key for supporting diverse patient populations. Dr. Charles Turck sits down with Dr. Whitney Ross to unpack how historical misconceptions still influence prescribing habits and discuss actionable strategies for counseling, selecting a treatment plan, and building trust. Dr. Ross is an Assistant Professor of Obstetrics and Gynecology in the Division of Minimally Invasive Gynecologic Surgery at Washington University in St. Louis.

Roger and Elias are tackling three major topics that every investor and saver should be paying attention to. From navigating today's record market highs without letting emotions take the wheel, to understanding the latest legislative changes in the “One Big Beautiful Bill,” to uncovering the real habits and strategies of everyday millionaires, this episode is packed with practical insights to help you make informed financial decisions. Take control of your financial future: https://www.btwealthshow.com/start-planning 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 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. Asset allocation does not ensure a profit or protect against a loss. 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 no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. 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 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 required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Manali Kamdar, MD Although CAR T-cell therapies have transformed the treatment of B-cell malignancies, a major logistical and socioeconomic barrier remains: patients are typically required to stay near a certified treatment center for at least 4 weeks after infusion to manage potential adverse events. So to help improve patient access, a recent study explored exactly when toxicities occur and whether post-infusion monitoring could be shortened without compromising safety. And based on the findings, it's time to rethink the 4-week monitoring window. To learn more about the study's results and what they mean for patient monitoring, safety, and broader outcomes, tune in to hear Dr. Charles Turck speak with Dr. Manali Kamdar, who authored a poster on this topic that was presented at the 2025 American Society of Clinical Oncology Annual Meeting.

This week on the show, we're discussing the specifics of Required Minimum Distributions (RMDs) as we head into the second half of 2025. Whether you're approaching your first year of RMDs or have been taking them for a while, I break down everything you need to know, from when you need to start taking distributions based on your birth year, to how RMDs are calculated, which accounts are affected, and the potential tax consequences for missing a withdrawal. I'm also sharing eight practical strategies you can use to lower your future RMDs, including asset diversification, Roth conversions, tax-efficient income planning, optimizing Social Security timing, and even using charitable contributions to your advantage. With real-world examples and actionable tips, this episode is packed with valuable insights for anyone looking to navigate their retirement withdrawals as tax-efficiently as possible.  You will want to hear this episode if you are interested in... [02:48] Calculating your Required Minimum Distribution. [05:02] IRA distribution factors & penalties. [10:40] Retirement tax strategy tips. [13:35] IRA conversion tax planning. [15:37] Optimizing social security timing. [18:48] Tax-efficient investment account strategy. Smart Strategies to Manage Required Minimum Distributions (RMDs)  New rules over the past few years have pushed back when retirees must start taking RMDs. As of today: If you were born in 1959 or earlier, your RMDs begin at age 73. If you were born in 1960 or later, the threshold moves to age 75. RMDs apply to traditional IRAs, rollover IRAs, SEP IRAs, SIMPLE IRAs, and most employer-sponsored plans, including 401(k)s and 403(b)s. Importantly, Roth IRAs are not subject to these mandatory withdrawals during the owner's lifetime, providing an attractive planning opportunity. How RMDs Are Calculated Your annual RMD is determined by dividing the prior year's December 31 retirement account balance by a life expectancy factor from IRS tables. Most people use the IRS Uniform Lifetime Table. If your spouse is more than 10 years younger, you get a slightly lower withdrawal requirement by using the Joint Life Expectancy Table. For example, if you are 73 with a $500,000 IRA, and the IRS factor is 26.5, your RMD would be $18,868 for that year. If you miss your RMD, penalties can be steep, 25% of the amount not withdrawn, though if corrected within two years, the penalty drops to 10%. RMDs are generally taxed as ordinary income. If your IRA contains after-tax contributions, those aren't taxed again, but careful tracking is essential. The key is smart, proactive planning. RMDs increase your total taxable income, which can impact not just your IRS bill, but also Medicare premiums (thanks to the “IRMAA” surcharge) and eligibility for certain state tax breaks. Eight Strategies to Lower RMD Impact Here are several tactics to help retirees minimize RMDs' sting and keep more of their wealth working for them: Diversify Account Types Early Don't keep all retirement savings in pre-tax accounts. Consider a mix of pre-tax, Roth, and taxable brokerage accounts so you have flexibility in retirement to optimize withdrawals for tax purposes. Build an Optimized Retirement Income Plan Work with a financial advisor or CPA to design an intentional strategy for sourcing retirement income. With careful planning, you can potentially lower how much tax you'll owe and avoid unwelcome surprises. Do Roth Conversions When Taxes Are Low If you retire before collecting Social Security (and RMDs), you might have years of low taxable income, prime time to convert part of your traditional IRA to a Roth IRA at a low tax rate. Once in the Roth, future qualified withdrawals are tax-free. Delay Social Security for Strategic Reasons Delaying Social Security not only increases your monthly benefit but also gives you more low-income years for Roth conversions, thus reducing future RMDs. Consider Working Longer If you continue working past RMD age and participate in your employer's retirement plan, you may be able to delay RMDs from that plan until you retire (as long as you don't own more than 5% of the company). Aggregate and Simplify Accounts Roll over old 401(k) accounts into a single IRA if eligible. It's easier to track, calculate, and satisfy RMDs, reducing the risk of costly missteps. Optimize Asset Location Hold faster-growing investments (like stocks) in taxable accounts and slower-growing ones (like bonds) in IRAs. This helps slow the growth of your RMD-producing accounts, keeping future required withdrawals smaller. Use Qualified Charitable Distributions (QCDs) Once you're RMD-eligible, you can send up to $100,000 per year directly from your IRA to charity. It will count toward your RMD but won't be taxed, potentially a win-win for you and your favorite causes. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Retirement topics - Required minimum distributions (RMDs) | Internal Revenue Service   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Guest: Yogindra Persuad Despite the promise of curative therapies for sickle cell disease, access and cost barriers highlight the ongoing need for disease-modifying treatments like hydroxyurea. Tune in to hear Dr. Yogindra Persuad, a physician in the Department of Hematology at St. Jude Children's Research Hospital in Memphis, Tennessee, discuss a multimodal approach to care, emphasizing research on oral agents and broader symptom management beyond pain.

Guest: Tamatha Fenster, M.D., M.S. Tamatha Fenster, M.D., M.S., gynecologic surgeon at NewYork-Presbyterian and director of innovation and technology at The Weill Cornell Medicine Fibroid and Adenomyosis Center, explains how her team has developed a new 3D MRI technology to enhance patient outcomes in fibroid surgery. The novel software, called smartHER MRI, renders a 3D image of a patient's uterus to more accurately identify fibroids and their precise location, which can be used for both laparoscopic and robotic surgical procedures. In a pilot study analyzing smartHER MRI vs. 2D imaging, results demonstrated that surgeons who relied on traditional imaging had residual fibroids at the 6-month follow-up, while surgeons who used smartHER MRI had no residual fibroids with their patients. © 2025 NewYork-Presbyterian

Guest: Nidhi Bhatt Effective transition from pediatric to adult care should begin as early as age twelve for patients with sickle cell disease, incorporating factors like education, self-advocacy skills, and support from transition care coordinators. Tune in to hear Dr. Nidhi Bhatt, who works in the Department of Hematology at St. Jude Children's Hospital in Memphis, Tennessee, discuss how involving patients and families early on helps identify barriers and improve long-term outcomes.

Guest: Yogindra Persuad For decades, hydroxyurea has been the cornerstone therapy for sickle cell disease, but new disease-modifying therapies, curative strategies, and gene therapies are expanding options for patients. While these advancing approaches come with some risks, they can help offer symptom relief, reduce complications, and give patients more choices when it comes to managing their sickle cell disease. Hear Dr. Yogindra Persuad, a physician in the Department of Hematology at St. Jude Children's Research Hospital in Memphis, Tennessee, walk through the history of sickle cell disease treatment and discuss the benefits and risks of these developing therapies.

Guest: Parul Rai Hydroxyurea and chronic transfusions remain cornerstone therapies in managing sickle cell disease, with proven benefits in reducing stroke risk and improving anemia. However, considerations remain, including their impact on cardiac health. Learn about these long-standing therapies and best practices for using them to manage sickle cell disease with Dr. Parul Rai. Dr. Rai is a physician in the Department of Hematology at St. Jude's Hospital in Memphis, Tennessee.

Guest: Parul Rai Cardiopulmonary complications are a leading cause of early mortality in adults with sickle cell disease, with evidence showing that cardiac injury may begin as early as childhood. However, despite the severity of these issues, there are currently no uniform guidelines for asymptomatic cardiac screening in this population. Join Dr. Parul Rai, a physician in the Department of Hematology at St. Jude's Hospital in Memphis, Tennessee, to learn about current research, early detection strategies, and the need for more sensitive diagnostic markers to prevent severe cardiac outcomes in patients with sickle cell disease.

Are your Required Minimum Distributions (RMDs) setting you up for failure? Find out how sequence of returns risk combines with RMD rules to create a hidden hazard—and how smart planning, asset allocation, and timely Roth conversions can help you sidestep it.   In this episode, we discuss:  Why RMDs are self-regulating The RMD tax chain reaction Why withdrawal timing and asset allocation matters The power of Roth conversions Today's article is from the Best Interest blog titled, RMDs + Sequence Risk = Retirement Destruction? Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/511

Retirement isn't just about stopping work - it's about living the life you imagine. But too many people fall into common traps that can jeopardize decades of careful planning. In this episode, we're breaking down 18 of the biggest retirement mistakes across every part of your financial life—from saving and investing, to healthcare costs, taxes, and emotional decisions that can quietly sabotage your future. 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 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. Asset allocation does not ensure a profit or protect against a loss. 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 no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. 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 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 required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Private Equity in Youth Sports, Canada's impact on the Buffalo Bills, issues with Tesla, and when to take RMDs. Plus a competitor to FICO may help with that house purchase, even though new buyers are disappearing. Plus plus fallout from a nursing home bankruptcy and a lawsuit over beneficiary designations.

Many people dream of retiring as soon as possible, but rarely stop to ask if they're truly ready. It's easy to assume you'll figure things out when you get there, but this episode challenges that thinking by revealing 10 overlooked signs you may not be ready to retire yet. Even if you're eager to leave the 9-to-5 behind, there are critical financial, emotional, and lifestyle factors you might not have fully considered, ones that can derail your dream if ignored. We'll explore issues like carrying too much debt, lacking a solid income plan, underestimating healthcare costs, or not having a clear picture of what you'll actually do all day. For many, these topics can be uncomfortable because they reveal blind spots that feel hard to fix. But in walking through them one by one, we highlight how acknowledging these signs isn't about delaying your freedom, it's about ensuring you can sustain it joyfully and securely. You'll discover practical ways to reduce financial risks, anticipate new expenses, and plan the life you actually want once work ends. By the end of this episode, you'll not only recognize the hidden gaps in your own plan but also see the value of taking action now. Whether that means rethinking your budget, getting strategic about Social Security, or simply having more honest conversations with your partner, you'll leave with a clearer idea of how to transition from working years to retirement with confidence. Instead of winging it, you'll be ready to retire on purpose, with eyes wide open. You will want to hear this episode if you are interested in... (00:00) Intro. (00:27) YouTube channel and free resources plug. (03:13) 10 signs overview and Sign 1: Carrying significant debt. (05:07) Sign 2: No retirement income plan. (06:17) Sign 3 and 4: Missing budget and healthcare costs. (09:43) Signs 5 - 7: Social Security, long-term care, RMD planning. (13:05) Signs 8 - 10: Emotional readiness, spousal coordination, investment repositioning. Resources & People Mentioned 3 Steps to Retirement Planning https://www.youtube.com/@RetirementMadeEasy https://retirestrongfa.com/resources https://retirementmadeeasypodcast.com Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

We're approaching the 10-year anniversary of the dawn of our 30 five-stock samplers, picked from 2015 to 2021. In this special episode, David reflects on the fully updated results, sharing 10 fresh lessons from both the wins and the whiffs. How'd we do? Discover the highs and lows, the reversals in just a year's time… and the enduring principles of Rule Breaker Investing. Companies Discussed: AXON, IRBT, ISRG, LYV, MELI, NVDA, PAC, PEGA, PI, RMD, W, Z Host: David Gardner Producer: Bart Shannon Learn more about your ad choices. Visit megaphone.fm/adchoices

Roger and Elias discuss a recent study that shows Americans are saving almost what they should be, how millennials and gen z are saving for retirement differently than their elders, and what value a financial advisor can provide in helping you identify what you don't see.  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 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. Asset allocation does not ensure a profit or protect against a loss. 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 no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. 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 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 required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Retirement planning can get complicated when spouses don't share the same timeline—or when most of your wealth is concentrated in a single retirement account. In this episode, we tackle two scenarios many people face: ✅ When spouses disagree on retirement timing ✅ Relying heavily on your 401(k)   Check Out Part 1 On You're Not Dead Yet: https://youtu.be/8HfzeucrsV0  Take control of your financial future: https://www.btwealthshow.com/start-planning 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 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. Asset allocation does not ensure a profit or protect against a loss. 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 no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. 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 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 required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Tom welcomes Roxy Butner back to field listener questions on retirement income, Roth vs. traditional 401(k) choices, car financing math, leftover 529 rollovers, and bond price confusion. Listeners hear sharp, practical advice on optimizing savings and withdrawals—without slipping into tax traps. Plus, a shoutout to the record 401(k) savings rate and a surprising mini-lesson on estate planning trends. 0:05 401(k) savings rates hit a new high—why 20% total savings should be your goal 2:40 Roth vs. Traditional 401(k) for younger investors—Roxy makes the case 3:57 Listener Q: Early retirees managing withdrawals across brokerage, Roth, and IRA accounts 6:36 Tax bracket management vs. withdrawal strategy—how to stay in the 24% 8:38 Roth conversions and RMD prep—why to think now about later taxes 9:41 Why DIY retirees still need a second set of eyes on their plan 10:25 Listener Q: What to do with $16K left in a 529 plan 11:24 529-to-Roth rollover rules and strategy 12:31 Listener Q: Pay cash for a car or finance at 1.9%? 13:58 Emotional vs. mathematical car finance decision-making 15:11 Listener Q: Got 6/7 on FINRA quiz—why do bond prices fall when rates rise? 17:36 Bond basics: duration, rate risk, and quality 17:53 Roxy's real-world client trend: surge in estate planning questions 18:54 Free portfolio analysis plug and Roxy's parting thoughts Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode:  A breakdown of key differences between the House and Senate tax proposals, including bonus depreciation and the SALT deduction cap. Why self-employed individuals should pay attention to long-term care premium deductions and upcoming retirement withdrawal exceptions. A crash course on accounting method changes and how the IRS isn't a fan of casual flip-flopping. How to properly document and deduct a non-repaid loan gone bad (even if it's to your sketchy cousin). What to do if you or your client forgets their RMD, and how to potentially avoid a 25% penalty. Real talk on budgeting: why most budgets get shelved and how to build one that actually helps you make decisions year-round. Tips for turning budgets into strategy tools like using budget-to-actual comparisons to pivot fast when the market shifts. How to forecast for revenue dips, capital improvements, or surprise curveballs (looking at you, HVAC unit from 1995). A listener-submitted question prompts a deep dive into using budgeting for strategic planning, accountability, and flexibility—not just math homework. This episode proves that a good budget isn't about predicting the future, it's about preparing to meet it with a plan in hand and your receipts in order.

Host: Peter Buch, MD, FACG, AGAF, FACP Guest: Michael Camilleri, MD GLP-1 receptor agonists are revolutionizing treatment for diabetes and obesity, but their impact on the gastrointestinal tract demands careful clinical attention. Dr. Peter Buch is joined by Dr. Michael Camilleri, Professor of Medicine at the Mayo Foundation for Medical Education and Research in Rochester, Minnesota, to discuss key findings on gastrointestinal side effects, procedural risks, and the impacts of GLP-1 receptor agonists on the fields of gastroenterology and hepatology.

In this episode, Angela discusses the implications of the SECURE Act and its amendments on retirement accounts, particularly when trusts are named as beneficiaries. She emphasizes the importance of reviewing trusts written before July 2024 to ensure compliance with the IRS's final RMD regulations and to avoid unintended tax consequences. The episode aims to educate listeners on the complexities of tax laws and the need for professional guidance in estate planning. Key Takeaways

Roger and Elias discuss how worries about the economy are impacting the way investors plan for summer vacation. Plus a look at the real cost of owning a home.  Take control of your financial future: https://www.btwealthshow.com/start-planning 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 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. Asset allocation does not ensure a profit or protect against a loss. 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 no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. 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 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 required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. ‘Catching Up to FI' co-host and author of ‘F.I.R.E for Dummies', Jackie Cummings Koski, CFP®, AFC®, continues through an easy to follow checklist of tax considerations in retirement. She demo-drives 72(t) and RMD calculators, live-shops the ACA site to score premium tax credits, and shows how Medicare surcharges work.  Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies  (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect)   This is the second part of a two-part series and part 1 aired last Wednesday. This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.   Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

Building on last week's discussion about why rolling over your old 401(k) into an IRA could be a smart move, this episode flips the script. It explores seven compelling reasons you might want to leave your 401(k) with your previous employer instead. I break down factors like fees, company stock advantages, penalty-free withdrawals, legal protections, and unique investment options that could all influence your decision.  If you're approaching retirement or just planning your next career move, this episode is packed with insights to help you make the best choices for your financial future.  You will want to hear this episode if you are interested in... [04:12] Leave company stock in 401k to use net unrealized depreciation, potentially saving on taxes via long-term capital gains. [08:55] Consider keeping company stock in an old 401(k) to avoid taxes and penalties if under 59.5 years. [10:01] IRA withdrawal exemptions and strategies. [16:01] Consider keeping your old 401 (k) for potential loan access, but check if your provider permits non-employee loans. [17:50] Deferring 401(k) distributions explained. When to Leave Your Old 401(k) With Your Previous Employer Changing jobs often means making quick decisions about retirement savings. While rolling over your old 401(k) into an IRA is a common choice, there are significant advantages to leaving it where it is. This week, I'm discussing the situations when maintaining your previous employer's retirement plan is advantageous.  1. Potential for Lower Fees If you worked for a large organization, their 401(k) plan might offer exceptionally low administrative and investment fees, especially if they've chosen robust menus with index fund options. While IRA costs have dropped due to strong competition among major financial institutions like Schwab, Fidelity, and Vanguard, some large employer plans still offer a lower cost.  Always compare fees before making a move; sometimes, your old 401(k) will be the most cost-effective option available. 2. Tax Benefits of Company Stock (Net Unrealized Appreciation) Do you have significant company stock in your 401(k)? You could benefit from the unique tax break called Net Unrealized Appreciation (NUA). This allows you to pay lower long-term capital gains rates on your stock's growth instead of higher ordinary income rates. However, to take advantage of NUA, you must carefully roll out your stock and be mindful of any 10% penalty if you're under 59½. Know your stock's cost basis and consult with a tax professional to determine if waiting is best, especially if your cost basis is higher. 3. Penalty-Free Access Between Age 55 and 59½ Left your job between 55 and 59½? Here's a little-known benefit: you can tap your old 401(k) penalty-free before age 59½. If you roll the balance into an IRA, that door closes, unless you qualify for rare exceptions. This rule can be crucial if you need those funds to bridge the gap to retirement, so consider leaving at least part of your balance in the plan until you turn 59½. 4. Enhanced Creditor Protection Federal law (ERISA) offers 401(k) plans strong protection from creditors and judgments, even in bankruptcy. While rollover IRAs are also protected under federal and many state laws, the details can get complicated. Certain states may limit IRA protections, so it's wise to investigate your state's rules. Segmenting rollover IRAs from contributory IRAs can also help simplify tracking and protection. 5. Access to Stable Value Funds Some 401(k) plans offer stable value funds, a low-risk investment choice that often comes with a guaranteed minimum rate of return. While money market funds are currently paying more, that could change if interest rates drop. In lower-rate environments, stable value funds could offer an edge and a safe harbor for your retirement assets. 6. Possible Loan Availability Need to borrow against your retirement savings? Some plans allow you to take a loan from your 401(k), even after leaving the company. However, this isn't universal, since loan repayments are usually tied to payroll. Check with your plan administrator to see if this benefit applies; if it does, it could be an important safety net. 7. Required Minimum Distribution (RMD) Deferral if Still Working If you work past age 73, keeping your funds in a 401(k) with your current employer lets you defer required minimum distributions (RMDs). That's not the case with IRAs. Consolidating old 401(k)s into your current plan can simplify RMD timing and let your funds grow tax-deferred a bit longer. Make an Informed Move Rolling over your 401(k) may seem automatic, but there are times when staying put is the better choice. Carefully assess fees, tax implications, creditor protections, and your unique needs. Most importantly, consider working with a fiduciary, fee-only financial advisor who understands your entire financial picture. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Most people nearing retirement aren't thinking about tax legislation; they're focused on their savings, Social Security timing, or making sure their lifestyle doesn't outlive their money. But what if a single bill quietly reshapes the rules you've been planning around? In this episode, I break down a new piece of legislation that's generating significant political buzz but concealing some far-reaching implications for retirees and pre-retirees alike. If you've heard soundbites about “the biggest tax cut in history,” you might assume you're in for a windfall. The truth? It's a lot more nuanced and more temporary than headlines let on. I walk you through what's actually in the bill, what got stripped out (spoiler: Social Security tax relief didn't make the cut), and how all this might hit people aged 55 to 70. Then, in classic Retirement Made Easy fashion, I pivot to listener questions on how to tap your accounts in the smartest order, why RMD math isn't as harsh as people think, and whether borrowing against your house in a downturn is ever a good idea. I close with a sobering but motivating list of what can go wrong in retirement planning and how to think more clearly and conservatively about your future. You will want to hear this episode if you are interested in... (00:00) Intro (04:19) Key changes in the bill that might affect retirees (13:08) Listener Q1: Which retirement accounts to tap first? (19:58) Listener Q2: Clearing up RMD confusion (23:03) Listener Q3: Is using home equity a good backup plan? (27:06) Listener Q4: What could blow up your retirement plan? Resources & People Mentioned 3 Steps to Retirement Planning https://www.retirestrongfa.com “The One, Big, Beautiful Bill…” https://www.whitehouse.gov/articles/2025/05/one-big-beautiful-bill-is-a-once-in-a-generation-chance/ IRS RMD table https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

On this episode of Ask KT and Suze Anything, Suze responds to some of your comments, and answers questions about trusts, IRAs, fixing RMD mistakes and more. If you’d like to hear the episode from last Suze mentions in this show, listen here: https://bit.ly/April4-24 Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Key takeaways include:-What “managed CRM services” actually mean for advisors-How JEDI helps automate repetitive tasks like RMD reminders and client scheduling-Why data integrity is non-negotiable - and how to test if your data is clean-The direct impact of CRM optimization on firm valuation and exit strategy-Real use cases for automation, integration, and proactive problem solvingWhether you're growing your practice or thinking long-term about your legacy, this conversation is packed with tactical insights to help you get more out of your CRM - and your business.Connect with Us:Learn more at www.JEDIDatabaseSolutions.comContact Sue at sue@eliteconsultingpartners.comCheck out some of JEDI's resources here! - https://jedidatabasesolutions.com/resources/

Don's back from NYC with pride (and maybe jet lag), tackling a full slate of thoughtful listener questions. From Roth conversions and the TSP G Fund to cash balance plan gimmicks, RMD timing, overpriced 401(k) plans, and yes, the eternal question: Are annuities ever worth it? Don delivers straight talk, a little outrage, and no-nonsense advice—with some well-placed jabs at the industry's smoke and mirrors. 0:04 Don returns from NYU graduation trip and thanks listeners for sending questions0:56 Should a 54/61-year-old couple convert traditional IRA to Roth? “It depends”3:05 Federal employee asks about the TSP G Fund – why it's loved, and when not to use it5:47 High earners ask about cash balance plans – Don says beware the fees and opacity11:05 Planning for RMDs at 73 – monthly, quarterly, or lump sum? Don prefers year-end13:38 60-year-old stuck in a principal 401(k) with 2.3% fees – Don goes full outrage18:28 “Are annuities ever appropriate?” Yes—but rarely, and only immediate ones Learn more about your ad choices. Visit megaphone.fm/adchoices