Podcasts about rmd

In this September 2026 Mailbag, Jason and Jeff tackle listener questions on when it makes sense to "average up" on massive winners, analyzing David Gardner's contrarian approach to building a Rule Breaker portfolio. The hosts then explore the specific valuation and counter-cyclical margin arguments behind Jason's recent purchase of The TJX Companies, and debate the psychology of co-managing spousal IRAs. To close the episode, the duo reviews listener submissions for a "5 Stocks for 10 Years" portfolio, ultimately drafting their own hypothetical decades-long portfolios from the audience's picks. 02:03 Patreon Shoutout 03:07 Rapid Fire Housekeeping 04:15 Mailbag Begins 04:58 Double Down Winners 16:50 TJX Valuation Debate 24:42 ResMed Growth Outlook 28:20 When to Take Profits 29:56 When Valuation Matters 31:50 Couples Managing IRAs 34:49 Risk Across Net Worth 38:18 Spreadsheets And Aggregation 43:06 Five Stocks For 10 Years 44:19 Discord Picks Breakdown 48:23 Picking Five From The List Companies mentioned: AER, AMZN, ASML, AXON, BAM, BN, BRK.B, COST, CVX, ISRG, LLY, LMND, MA, MEDP, META, RBRK, RMD, SBUX, TBBB, TJX, TSM Find where to listen & subscribe,  portfolio contests, and contact information at https://investingunscripted.com ***************************************** To get 15% off any paid plan at fiscal.ai, visit https://fiscal.ai/unscripted ***************************************** Join our Patreon Subscribe to our portfolio on Savvy Trader. Use code Unscripted2026 for 30% off a one-year subscription! Learn more about your ad choices. Visit megaphone.fm/adchoices

After a year of sitting across from federal employees within a couple of years of retiring — different agencies, different balances, different ages — the same two fears came up almost every single time. And they aren't really two fears. They're one, wearing two coats. This is what retirement planning actually looks like when you get past the account balance.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- The question people ask out loud — and the one they actually mean, about 20 minutes in- Fear #1: a tax bill on a schedule you don't control, and the IRMAA surcharge with a two-year lookback- Fear #2: "do I have enough?" — and the arbitrary target most people never chose- Why these two fears are actually the same fear- What eleven federal employees said, in their own words- Why a written retirement income plan is what turns both into arithmeticWhich one is louder for you right now — reply 1 for taxes or 2 for running out

In the final part of the Retire With Style Live Q&A, Wade and Alex tackle listener questions on tax-efficient retirement withdrawals, Roth conversions, Social Security, sequence-of-returns risk, annuities, and buffered ETFs. They explain why smart tax planning goes beyond simply filling tax brackets, how to think about Roth conversions with lifetime taxes in mind, and when strategies involving HSAs, MYGAs, and annuities may play a role. It's a practical look at how the different pieces of a retirement income plan can work together. Listen now to learn more! Takeaways Tax brackets alone don't tell the whole story: Roth conversion decisions should consider your effective marginal tax rate, including interactions with Social Security taxation, IRMAA, capital gains, deductions, ACA subsidies, and other tax provisions. The goal isn't necessarily to eliminate your traditional IRA: Converting too much to Roth could leave you without enough taxable income later to take advantage of the standard deduction and other low-tax opportunities. Roth conversions can be front-loaded or spread over time: The better approach depends on the effective marginal tax rates available to you now versus those you may face later. Withdrawal sequencing should account for lifetime taxes, not just this year's bill: Comparing taxable, IRA, and Roth withdrawals can help determine which source makes the most sense after considering the broader tax consequences. Saved HSA receipts may provide another strategic source for paying Roth conversion taxes: Qualified reimbursements could potentially provide tax-free funds in a year when a large conversion creates a significant tax bill. MYGA ladders can potentially serve double duty before Social Security: They may function as a buffer asset during poor markets while allowing interest to remain tax-deferred when the funds aren't needed, preserving room for Roth conversions. Buffered ETFs trade some market upside for downside protection: They can potentially fill a structured-return role similar to certain indexed annuities when lifetime income guarantees aren't the objective. Paying Roth conversion taxes from an IRA isn't automatically a mistake: For those at least 59½, Wade notes that it can be workable, provided the additional taxable distribution needed to pay the tax is included in the conversion calculations.      Annuities inside an IRA may have an unexpected RMD-planning role: Wade describes emerging “RMD Shield” research examining whether annuity payments can help satisfy RMD requirements while reducing required distributions from other IRA assets and potentially preserving a larger legacy. Chapters 00:00 Introduction to Retirement Tax Strategies 02:10 How the Tax Map Calculator Helps Minimize Taxes 04:03 Planning Roth Conversions and Managing RMDs 06:06 Using HSA Receipts for Tax Efficiency 08:01 Understanding IRMA Thresholds and Future Planning 11:05 Evaluating Roth Conversion Strategies: Gradual vs. Upfront 13:08 Effective Marginal Tax Rate and Its Importance 15:59 Handling Insufficient Assets for Roth Conversions 18:05 Buffered ETFs and Annuities as Retirement Tools 22:10 Paying Taxes from IRA and Managing Infinite Loops 25:04 Using Annuities to Reduce RMDs and Boost Legacy 26:50 Future Research and White Paper on RMD Shield   Links

Guest: Elise Shalowitz, MS New research is examining the relationship between gynecologic surgery and heart failure in women. Learn more about how surgery type and timing were associated with heart failure risk with Elise Shalowitz, a Principal Clinical Research Professional at the Colorado Center for Personalized Medicine at the University of Colorado Anschutz School of Medicine.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Krina Patel, MD, MSc A recent analysis used matching-adjusted indirect comparisons to evaluate anitocabtagene autoleucel, teclistamab, and talquetamab for relapsed or refractory (R/R) multiple myeloma, drawing on data from the iMMAGINE-1, MajesTEC-1, and MonumenTAL-1 trials. The analysis compared efficacy and safety outcomes across these CAR T-cell and bispecific therapies, including overall response, depth of response, MRD negativity, cytokine release syndrome, ICANS, infections, and non-relapse mortality. To explore the findings, their potential clinical implications, and key limitations of these indirect comparisons, Dr. Charles Turck speaks with Dr. Krina Patel, Professor in the Department of Lymphoma and Myeloma at the University of Texas MD Anderson Cancer Center in Houston. She also presented these data at the 2026 International Myeloma Society Annual Meeting.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Krina Patel, MD, MSc As CAR T-cell therapy options expand for relapsed or refractory (R/R) multiple myeloma, comparative data may help clinicians weigh efficacy and safety when selecting treatment. One recent matching-adjusted indirect comparison of anitocabtagene autoleucel and ciltacabtagene autoleucel drew on data from the iMMAGINE-1 and CARTITUDE-1 trials to evaluate response and safety outcomes, including cytokine release syndrome, ICANS, infections, and non-relapse mortality. To learn about the findings, their clinical implications, and important limitations of the analysis, Dr. Charles Turck speaks with Dr. Krina Patel, Professor in the Department of Lymphoma and Myeloma at the University of Texas MD Anderson Cancer Center in Houston. She also presented these data at the 2026 International Myeloma Society Annual Meeting.

Roth conversions are gaining momentum, with @Fidelity reporting a 41% jump in conversions in the first quarter of 2026 compared to the same period last year.

Understanding Required Minimum Distributions is essential for managing your retirement income effectively. Learn how to navigate these rules.Carson Odom, Myles Zuger, and Jerri Anne break down the complexities surrounding Required Minimum Distributions. The financial industry is filled with acronyms that can feel overwhelming, but we are here to simplify the process so you can focus on your long-term goals.Proper retirement planning is about more than just accumulation; it requires a clear strategy for distribution. By integrating these concepts into your overall wealth management plan, you can avoid common pitfalls and make informed decisions about your financial future. We discuss how these tax strategies impact your accounts and what steps you need to take to stay compliant.-Any opinions are those of Myles Zueger, Carson Odom, and Jeri Anne Agee and not necessarily those of Raymond James. Expressions of opinion are as of this date and are subject to change without notice. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.RMD's are generally subject to federal income tax and may be subject to state taxes. Consult your tax advisor to assess your situation.

Host: Barton Lynn Blackorby, MD Guest: Kyle Davis Kovacs, MD Guest: Matthew Starr, MD How aggressively should you manage a vitreous hemorrhage after a PVD when you can't see the retina underneath it? Barton Blackorby, MD, moderates a discussion with Matt Starr, MD, and Kyle Kovacs, MD, about a study published in Ophthalmology by Hasbolat et al examining 366 patients with PVD-related vitreous hemorrhage initially managed with observation. The panel discusses how exam technique and B-scan reliance may affect detachment detection rates, debates follow-up intervals given that most retinal detachments in the study occurred within the first 3 weeks, and shares their own thresholds for moving to early vitrectomy versus continued observation, including how they counsel patients eager for faster visual recovery.

Should you use permanent life insurance to cover long-term care? Does converting a $1M pre-tax account before you stop working make mathematical sense? In this episode of Allworth's Money Matters, Scott and Pat walk through real-world portfolio case studies, dissect common tax myths, and break down where aggressive financial pitches fall short. Topics covered in this episode: The Rise of Prediction Markets: Why momentum traders are shifting from crypto to event betting, and how speculative traps disguise themselves as investing. Commercial Real Estate Realities: A look at how major leveraged properties can collapse, and the timeless importance of broad diversification. Caller Case Study (Jonathan): Evaluating a seminar pitch on life insurance with long-term care riders, understanding pure insurance costs, and deciding when self-insuring makes sense with a $2.5M portfolio. Caller Case Study (Jeff): Debunking the “zero taxes” pitch. Scott and Pat explore the math behind Roth conversions, the difference between marginal brackets, and why high earners shouldn't rush conversion timing before RMD age. 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.  

Friday's listener questions cover the kind of decisions that sound simple until the details arrive. Don weighs the ease of Vanguard's total bond fund against building a Treasury ladder, and explains why convenience can be a perfectly sensible investment feature.Then it's overseas: how much international stock exposure belongs in a diversified portfolio, and why no single U.S./international split is scientifically “right.” The show also sorts out HSA investing, beneficiaries, and the rule for holding more than one HSA.Finally, Don explains why a large RMD and tax puzzle needs a real written plan, then helps a listener nearing retirement compare a two-fund portfolio with a Vanguard target-date fund.0:46 Friday Q&A begins2:24 Listener feedback on the show's music4:20 BND versus a Treasury ladder9:01 U.S. versus international stocks12:59 How to invest and inherit an HSA16:24 Preparing a large portfolio for RMDs20:08 Two funds or a target-date fund near retirementQuestions? Comments? Click!

What if financial success isn't the destination, but simply the foundation for something greater?We spend a great deal of time thinking about how to earn, save, invest, and manage money wisely. Those things matter. Faithful stewardship requires care and wisdom with what God has entrusted to us.But what happens when you've done many of those things well and still find yourself wondering, Is there something more?Scott Highmark, President and Co-Founder of Mosaic Wealth, a Certified Kingdom Advisor®, and author of The Significance Pyramid: Climb Beyond Success to Find Lasting Significance, believes there is.His “Significance Pyramid” offers a framework for moving beyond financial success toward a life increasingly shaped by purpose, generosity, service, and ultimately surrender to Christ.Why Success Alone Can't SatisfyOur culture often encourages us to keep moving “up and to the right”—more income, more achievement, more possessions, more recognition.There's nothing inherently wrong with achievement. The problem comes when we expect it to satisfy desires it was never designed to fulfill.Highmark points out that even people who reach the top of their professions often discover that the fulfillment they expected doesn't last. Accomplishment may bring genuine satisfaction for a season, but our appetites continually reach for something more.Ultimately, the human heart's deepest longing cannot be satisfied by another financial milestone or professional achievement. We were created for God Himself.That conviction is at the heart of the Significance Pyramid. Every life points somewhere. The question is whether ours ultimately points toward ourselves or toward something greater.Stewardship: Building the FoundationThe pyramid's first level is stewardship.Stewardship involves wisely managing all God has entrusted to us—not simply our money, but our time, abilities, opportunities, and relationships.Financially, that means understanding what we have, knowing where it is going, and learning to live within our means. Practices such as budgeting can sometimes feel restrictive, but healthy financial boundaries can actually create freedom. When our finances are in order, we can spend and give more intentionally instead of constantly reacting to financial pressure.But stewardship is only the foundation. Once money consumes less of our attention, we can begin asking deeper questions about what our resources are actually for.As Highmark puts it, money can help fund our purpose, but it cannot help us find our purpose.Symmetry: Bringing Our Lives Into AlignmentThe second level is symmetry, or alignment.Most of us can quickly name what matters most to us: faith, family, marriage, generosity, service, relationships. But would someone looking at our calendars and financial statements reach the same conclusion?Symmetry means aligning the way we actually live with the things we say we value.James 1 describes a person who looks at himself in a mirror, walks away, and immediately forgets what he looks like. In a similar way, we can profess certain priorities while organizing our lives around completely different ones.Highmark tells the story of a successful executive who traveled more than 150 days a year. His children were nearing adulthood, his mother was aging, and financially, he no longer needed to continue working at the same pace. Yet striving had become such a normal part of his life that he had never seriously considered another way.One simple question changed his perspective: Why are you still working like this?Eventually, he stepped away from that role. In doing so, he gained more time with his children and his mother and began serving through ministry.Sometimes faithful stewardship requires more than accumulating enough. It requires asking whether the life we are living actually reflects what we say matters most.Purpose: Using What God Has Given YouThe third level of the pyramid is what Highmark calls self-satisfaction. The name can sound self-focused, but the idea is really about discovering meaningful work and using our unique gifts well. Ephesians 2:10 says, “For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.”God has made each of us with different abilities, experiences, relationships, and opportunities. Faithful stewardship includes learning to use those things in service to Him.Highmark draws on an insight from Henry Blackaby: Rather than beginning with the question, What is God's will for my life? we should begin with, What is God's will? Then we ask whether we are willing to adjust our lives to participate faithfully in what He is doing.That changes the focus. Purpose is no longer primarily about finding the career or activity that makes us feel fulfilled. It becomes a matter of offering our lives to God and faithfully using what He has entrusted to us.And even personal fulfillment isn't the top of the pyramid. If our purpose ends with ourselves, it still falls short.Significance: Turning OutwardThe fourth level is significance.Here, the focus shifts from inward to outward. Instead of asking, What will make me happy? we begin asking, How can I use what God has entrusted to me for someone else's good?That may require sacrifice. We may willingly choose to have less so someone else can have what they need. We may surrender time, comfort, opportunity, or resources for another person's good.Jesus Himself models this kind of life. Philippians 2 describes Christ as taking “the form of a servant.” Rather than using His position for His own advantage, Jesus humbled Himself and served.Significance, then, isn't simply about accomplishing something impressive or leaving behind a recognizable legacy. It is about loving and serving others faithfully—even when doing so costs us something.That can show up in countless ways: generosity, hospitality, mentoring, caring for family, serving through the local church, investing in younger generations, or simply making ourselves available to people God has placed around us.Surrender: The Ultimate DestinationEven significance isn't the final destination. At the top of Highmark's framework is surrender.A person can live generously, serve others, and pursue meaningful work and still remain at the center of their own life. Biblical surrender goes further. It means offering our whole lives to Christ.Our money belongs to Him. Our careers belong to Him. Our families, abilities, ambitions, plans, and futures belong to Him. That doesn't mean financial planning or professional success is unimportant. It means those things find their proper place beneath the lordship of Christ.Success asks, How much can I accomplish? Significance asks, How can what I have been given serve others? Surrender asks an even deeper question: Lord, how would You have me faithfully use everything You have entrusted to me?Financial success can be good. Wise stewardship can create margin, opportunity, and freedom. But success was never meant to become our ultimate destination. The goal is faithfulness—a life in which everything God has entrusted to us increasingly points beyond ourselves and toward Him.On Today's Program, Rob Answers Listener Questions:My husband and I are entering retirement and use a credit card for groceries, paying it off monthly to earn travel rewards. Is that a wise strategy, or would it be better to pay directly from our monthly budget?I'm 71 and want to use Qualified Charitable Distributions for my tithes and offerings. How do QCDs work, can they come from an annuity, and can I direct part of my RMD to myself and part directly to my church?Resources Mentioned:Become a FaithFi PartnerThe Significance Pyramid: Climb Beyond Success to Find Lasting Significance by Scott HighmarkMosaic WealthFaithful Steward: FaithFi's Quarterly MagazineFaithFi Field Guide: How Much Money is Enough? Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob WestWisdom 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 weekday 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. 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Guest: Lisa Carter-Bawa, PhD, MPH, APRN, ANP-C, FAAN, FSBM Even well-intentioned conversations about tobacco use can leave patients feeling judged and potentially less willing to engage in lung cancer screening, follow-up, or cessation support. Tune in as Dr. Lisa Carter-Bawa shares practical strategies for fostering more supportive, patient-centered conversations that reduce stigma and keep the door open to screening and continued care. In addition to being the Director of the Cancer Prevention Precision Control Institute at the Hackensack Meridian Health Center for Discovery & Innovation, she's also a Co-Leader of the Cancer Prevention and Control Program and the Deputy Associate Director of Community Outreach and Engagement for the Georgetown University Lombardi Comprehensive Cancer Center. She also spoke about this topic at the 2026 World Conference on Lung Cancer.

Guest: Lisa Carter-Bawa, PhD, MPH, APRN, ANP-C, FAAN, FSBM For patients who smoke or have a history of smoking, seeking lung cancer screening can mean confronting more than the fear of a diagnosis; it can also mean anticipating blame and judgment. Dr. Lisa Carter-Bawa joins us to share how tobacco-related stigma and nihilism can discourage screening, honest conversations, and follow-up care. Learn how approaching patients with greater awareness and compassion can help create a more supportive path to early detection. Dr. Carter-Bawa is the Director of the Cancer Prevention Precision Control Institute at the Hackensack Meridian Health Center for Discovery and Innovation and a Co-Leader of the Cancer Prevention and Control Program and the Deputy Associate Director of Community Outreach and Engagement for the Georgetown University Lombardi Comprehensive Cancer Center. She spoke about this topic at the 2026 World Conference on Lung Cancer.

Guest: Lisa Carter-Bawa, PhD, MPH, APRN, ANP-C, FAAN, FSBM Even well-intentioned conversations about tobacco use can leave patients feeling judged and potentially less willing to engage in lung cancer screening, follow-up, or cessation support. Tune in as Dr. Lisa Carter-Bawa shares practical strategies for fostering more supportive, patient-centered conversations that reduce stigma and keep the door open to screening and continued care. In addition to being the Director of the Cancer Prevention Precision Control Institute at the Hackensack Meridian Health Center for Discovery & Innovation, she's also a Co-Leader of the Cancer Prevention and Control Program and the Deputy Associate Director of Community Outreach and Engagement for the Georgetown University Lombardi Comprehensive Cancer Center. She also spoke about this topic at the 2026 World Conference on Lung Cancer.

Guest: Lisa Carter-Bawa, PhD, MPH, APRN, ANP-C, FAAN, FSBM For patients who smoke or have a history of smoking, seeking lung cancer screening can mean confronting more than the fear of a diagnosis; it can also mean anticipating blame and judgment. Dr. Lisa Carter-Bawa joins us to share how tobacco-related stigma and nihilism can discourage screening, honest conversations, and follow-up care. Learn how approaching patients with greater awareness and compassion can help create a more supportive path to early detection. Dr. Carter-Bawa is the Director of the Cancer Prevention Precision Control Institute at the Hackensack Meridian Health Center for Discovery and Innovation and a Co-Leader of the Cancer Prevention and Control Program and the Deputy Associate Director of Community Outreach and Engagement for the Georgetown University Lombardi Comprehensive Cancer Center. She spoke about this topic at the 2026 World Conference on Lung Cancer.

Once required minimum distributions begin, the IRS decides how much comes out of your IRA each year. But it doesn't decide when... You can take it all in January, wait until December, or spread it out across the year. At first glance, the choice seems almost meaningless. The required amount is the same, and the distribution still lands in the same tax year. But the timing can matter in ways that aren't always obvious. And even if you're years away from taking RMDs, this is a decision you'll eventually need to make if you have money in pre-tax retirement accounts. Here's what you'll learn: → The 3 things RMD timing can still affect (and how much each one really matters) → Why the order of your RMD, charitable gifts, and Roth conversions can matter more than the month you withdraw  → When taking your RMD early, late, or throughout the year makes the most sense By the end, you'll have a simple framework for thinking about RMD timing before it becomes another retirement decision you're forced to make on the fly. ***

Guest: Lawrence Lustig, M.D. On this episode of Advances in Care, Erin Welsh speaks with Dr. Lawrence Lustig, otolaryngologist-in-chief at NewYork-Presbyterian and Columbia. Dr. Lustig has spent decades working to advance various interventions to treat genetic deafness and after years of research, his team was the first to show that gene therapies could be effective at reversing hearing loss in mouse models. Dr. Lustig focused his initial study on otoferlin, a gene that is missing in people with a rare form of genetic deafness, and how to safely deliver it back to patients. Starting with mouse models and solving for the uniquely large size of the gene, they discovered that packaging otoferlin with an adeno-associated virus and injecting it into the ear completely reversed deafness. From there, they began the process of trialing this approach in humans at NewYork-Presbyterian and Columbia. The trials were successful, leading to natural hearing restoration in most patients, and in April 2026 the work culminated with an FDA approval of the first ever gene therapy for genetic deafness based on the research pushed forward by Dr. Lustig and his team. Dr. Lustig's team has trialed the therapy in patients across a range of ages, from six years old to …

If an investment takes longer than a minute to explain, the confusion may be doing the selling. Don and Tom examine the confusion-to-risk ratio through structured notes, CDOs, variable annuities, equity-index annuities, leverage, hidden tradeoffs, and the costly products that prosper when buyers stop asking simple questions. Then they tackle tax-gain harvesting for a child, Massachusetts municipal bonds, and RMD timing.Want more Money Music? Hear extended versions from Don's fictional AI band, The Financial Fysicist, on Apple Music: https://music.apple.com/us/album/let-the-boring-money-in/6805953759 or Spotify: https://open.spotify.com/album/0G06JEvGsyw6SISfAOxLt6?si=ah2uVVWuQwmxTqjBeta8AQQuestions? Comments? Click!

Roger and Annie tackle a topic they've never covered before: the tax issues that come with aging, for clients and preparers alike. They break down the new senior deduction, Social Security claiming strategies across the 62/67/70 timeline, IRMAA appeals, RMD rules, and when long-term care costs are actually deductible. They close with a cautionary tale about gifting appreciated property too early and the recordkeeping every family should have in place before it's needed.SponsorsPadgett -  Contact Padgett or Email Jeff PhillipsGet NASBA Approved CPE or IRS Approved CELaunch the course on EarmarkCPE to get free CPE/CE for listening to this episode.Links mentioned in this episodeChapters(00:00) - Welcome and Forum Travel (00:59) - Listener Shoutouts and Podcast Origins (02:21) - Tax Talk Today Inspiration (04:23) - Senior Deductions and Filing Thresholds (07:51) - Social Security Tax Basics (08:48) - When to Claim Social Security (15:48) - Solvency Fears and Policy Fixes (20:21) - Medicare Premiums and IRMAA Appeals (22:29) - Retirement Plans and Inherited IRAs (24:57) - RMD Rules and Planning Ideas (27:29) - Long Term Care and Medical Deductions (28:25) - Senior Living Deductions (29:12) - Chronically Ill Criteria (30:35) - Spouses Insurance Statements (32:21) - Meals Fees Itemizing (34:38) - Facility Records Due Diligence (36:26) - Gifts vs Inheritance Basics (37:57) - Basis Step Up Valuations (41:43) - Estate Returns Advisory (43:32) - Gifting Appreciated Property (43:57) - Lake House Cautionary Tale (48:04) - Client Records Planning (51:01) - Bank Red Tape Death Certificates (54:21) - Advisor Role Wrap Up (55:25) - Podcast Closing Updates Follow the Federal Tax Updates Podcast on Social Mediatwitter.com/FedTaxPodfacebook.com/FedTaxPodlinkedin.com/showcase/fedtaxpodConnect with the Hosts on LinkedInRoger HarrisAnnie SchwabReviewLeave a review on Apple Podcasts or PodchaserSubscribeSubscribe to the Federal Tax Updates podcast in your favorite podcast app!This podcast is a production of Earmark MediaThe full transcript for this episode is available by clicking on the Transcript tab at the top of this pageAll content from this podcast by SmallBizPros, Inc. DBA PADGETT BUSINESS SERVICES is intended for informational purposes only.

A new 2026 tax deduction is about to create a lot of confusion for retirees and a lot of quiet disappointment at tax time. If you are married and both 65 or older, the new “senior bonus” can be worth up to about $12,000, stacked on top of the standard deduction and the additional age 65+ amount. That sounds like found money, but the real story is what happens when your income is higher than you expect once you combine Social Security, a pension, and withdrawals from retirement accounts.We walk through the exact phaseout trap that starts for married couples at $150,000 of household income. Using a simple Mark and Diane example at roughly $200,000 of combined income, we discuss how the bonus gets reduced behind the scenes and why you may never see the full deduction you planned on. This is where retirement tax planning pays off: Coordinating withdrawals, Roth conversion timing, and taxable income so you understand the thresholds before you cross them.We connect that same income to Medicare IRMAA. Medicare premiums use a two-year lookback, so a big RMD, a one-time gain, or a large Roth conversion can raise your Medicare bill two years later, long after you have forgotten what caused it. If you get hit with a surprise surcharge, we also explain why Form SSA-44 may help you request a recalculation based on current income.If you want more guidance on tax planning, Medicare IRMAA, Roth conversions, and RMD strategy, subscribe, share this with someone nearing retirement, and leave a quick review so more people can find it.

Guest: M. Melih Dogan, MD What does current evidence tell us about subcutaneous lipoprotein(a)-lowering therapies? Find out as Dr. M. Melih Dogan shares findings from a recent meta-analysis examining their efficacy, safety, and effects on key lipid parameters, along with the limitations that remain as larger clinical trials continue. He's a Postdoctoral Researcher at East Carolina University Heart Institute, and he spoke about this topic at the 2026 European Society of Cardiology Congress in Munich.

You might be thinking that a Roth conversion could be a smart way to avoid paying some of the taxes on your RMD, but unfortunately for you, the government thought of that first. Nathan discusses required minimum distribution rules, common misconceptions about loopholes, and some proactive planning strategies for reducing the RMD tax bite. Also on MoneyTalk, understanding stock options, and the rise of JP Morgan. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/9/2026; Original Air Dates: 1/28/2026 & 5/17/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You can retire with a FERS pension and a healthy TSP and still feel lost the month the paycheck stops. Charles and Marcus walk through building a federal retirement paycheck from the ground up: what you actually cost each month, which income sources form your dependable floor, the gap your TSP has to fill, and how installment payments really work — plus the age rules to understand before you roll anything to an IRA. Chapters: 0:00 The Paycheck Stops, the Bills Don't 0:27 Welcome + This Week's Question 1:30 Start Here: How Much Do You Cost? 4:14 Building Your Dependable Income Floor 7:00 Finding the Gap Your TSP Has to Fill 9:47 How to Create Monthly TSP Income 11:35 The Age 55 / 59½ Trap Before You Roll Over 13:20 What Can Break the Plan 15:18 When to Review It 18:37 Watch Next Resource mentioned: the free Monthly Expenses worksheet at cdfinancial.org CTA: Apply for a Retirement Consultation: https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/ Disclaimer: Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company. Educational only; not financial, legal, tax, or investment advice. TSP withdrawal rules, penalty exceptions, and RMD ages depend on your situation — verify with TSP.gov, SSA, and OPM. Support the show

Guest: Jonathon B. Cohen, MD, MS As chemotherapy-free approaches for mantle cell lymphoma continue to evolve, important questions remain about how best to incorporate them into clinical practice. Here to help shed light on the key unknowns surrounding patient selection, treatment sequencing, and the potential implications of using targeted and immune therapies in the frontline setting is Dr. Jonathon Cohen. He's a board-certified hematologist and medical oncologist at Emory Winship Cancer Institute in Atlanta, and he spoke about this topic at the 2026 Society of Hematologic Oncology Annual Meeting.

In this September 2026 First Fridays live stream, Jason and Jeff tackle a jam-packed earnings season and a surprisingly resilient market. The hosts dissect The Trade Desk's revenue contraction and strategic missteps against tech walled gardens, debate whether Lemonade's post-earnings drop was justified despite a record-low 60% gross loss ratio, and break down DocuSign's incredibly consistent free cash flow generation. The duo also checks in on the portfolio contest, explores the nuances of trimming big winners like ASML and Datadog to rebalance, and evaluates QuantumScape's pivot to manufacturing partnerships with its new Honda deal.  00:32 First Friday Roll Call 02:57 How We Promote Stuff 05:41 Market Vibes Check 09:58 AI Supercycle Debate 13:13 DocuSign Breakdown 20:41 SavvyTrader and Community 23:05 Why TJX Is a Buy 28:25 New Stock Ideas PRCT 29:20 Medical Devices Watchlist 31:24 ResMed and GLP-1 Impact 32:35 Surgical Robots Competition 36:07 Baseball Cards and Value 41:06 Smattering Contest Update 43:18 New Picks Rocket Lab 47:54 Listener Portfolio Standings 51:53 Selling Stock Regrets 57:03 Wrap Up and Disclosures Companies mentioned: AAPL, AFG, APH, ASML, AVGO, BOC, CLF, COST, CPNG, DAVA, DDOG, DOCU, IONQ, ISRG, KNSL, LEN, LMND, MDT, MELI, MRNA, MTH, NNI, NOW, NVDA, PCOR, PRCT, PYPL, QS, QXO, RHP, RKLB, RMD, SOUN, TJX, TTD, TWLO, WINA Find where to listen & subscribe,  portfolio contests, and contact information at https://investingunscripted.com ***************************************** To get 15% off any paid plan at fiscal.ai, visit https://fiscal.ai/unscripted Listen to the Chit Chat Stocks Podcast for discussions on stocks, financial markets, super investors, and more. Follow the show on Spotify, Apple Podcasts, or YouTube ***************************************** Join our Patreon Subscribe to our portfolio on Savvy Trader. Use code Unscripted2026 for 30% off a one-year subscription! Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest: Triparna Sen, PhD The 2026 World Conference on Lung Cancer (WCLC) is bringing together leaders, emerging investigators, and educational opportunities from across the lung cancer field. Dr. Triparna Sen sat down with us to share her perspective on how early-career clinicians and researchers can get the most out of their WCLC experience. She's the Max Morehouse Endowed Chair in Cancer Research and Associate Director of Research for the Division of Medical Oncology at The Ohio State University, as well as the Director of the Lung Cancer Preclinical Therapeutics Platform at The Ohio State University Comprehensive Cancer Center.

Guest: Triparna Sen, PhD The 2026 World Conference on Lung Cancer (WCLC) is set to spotlight pivotal research that could inform the next chapter of lung cancer care. Dr. Triparna Sen previews key phase III trials across small cell and non-small cell lung cancer, including emerging data on antibody-drug conjugates, targeted therapies, MRI surveillance, and adjuvant treatment, as well as sessions focused on biomarkers and liquid biopsy. Dr. Sen is the Max Morehouse Endowed Chair in Cancer Research and Associate Director of Research for the Division of Medical Oncology at The Ohio State University, as well as the Director of the Lung Cancer Preclinical Therapeutics Platform at The Ohio State University Comprehensive Cancer Center.

Guest: Triparna Sen, PhD How does the immune microenvironment change as EGFR-mutant lung adenocarcinoma develops treatment resistance and undergoes histologic transformation? In a recent study, multiomic spatial findings revealed broad immune suppression following transformation, including changes in T cells and immunosuppressive macrophages. Learn more with Dr. Triparna Sen, who shared these new findings at the 2026 World Conference on Lung Cancer. She's the Max Morehouse Endowed Chair in Cancer Research and Associate Director of Research for the Division of Medical Oncology at The Ohio State University, as well as the Director of the Lung Cancer Preclinical Therapeutics Platform at The Ohio State University Comprehensive Cancer Center.

What happens when vitreous hemorrhage (VH) secondary to non-tractional PDR doesn't clear on its own? And does preoperative anti-VEGF actually change surgical outcomes? Maria Berrocal, MD, speaks with Sumit Sharma, MD, about a retrospective case series of 360 patients who underwent vitrectomy for non-clearing VH without tractional elements, examining whether preoperative anti-VEGF injection affects the risk of postoperative rebleeding, when to consider repeat vitrectomy, and how both physicians approach these cases in their own practices.

(Short episode) One small assumption can turn a routine Required Minimum Distribution (RMD) into an IRS penalty, and it happens to smart retirees all the time. We walk through the real-world RMD mistakes we see most often, using simple examples that make the rules stick without the jargon overload.The “married filing jointly” trap: Why you still cannot satisfy two spouses' IRA RMDs from one person's account, even if the household withdraws the right total. Then we get practical about aggregation rules, because not every retirement account plays by the same combining logic. Traditional IRA RMDs can be aggregated across multiple IRAs, but 401(k) RMDs generally cannot. We also explain the 403(b) exception, and why mixing up IRA, 401(k), and 403(b) rules can create an accidental shortfall on the account you never touched.We cover the rollover mistake that surprises people consolidating an old 401(k) into an IRA after reaching RMD age. RMDs cannot be rolled over, and skipping that step can lead to an excess IRA contribution and an ongoing penalty until it is fixed. If you care about retirement tax planning, RMD rules, and avoiding unnecessary IRS penalties, this is a quick listen that can save real money.

Becoming a 401(k) millionaire can require decades of hard work and sacrifice. Previously, a seven-figure nest egg shined as the gold standard among retirement planners. But the shine has dulled as a portfolio of that size no longer guarantees the same security. What steps should you take to protect your savings and avoid going broke in retirement? Sheryl Rowling has a list of tips. The certified public accountant is the editorial director of financial advice for Morningstar. Your 7-Figure Retirement Fund Might Not Stretch As Far As You Think. Here's How to Change That On this episode: 00:00:00 Welcome 00:01:20 Why seven-figure retirement portfolios need extra planning finesse 00:01:58 Why the retirement-to-RMD window matters 00:03:40 How taxpayers can approach the new SALT deduction 00:04:50 Building a cash bucket for market downturns 00:06:15 Retirement money missteps worth avoiding 00:09:41 Shifting asset allocation and key takeaways Watch more from Morningstar: New ETFs Are Launching Fast. Proceed With Caution Why Playing It Safe in Retirement Can BackfireWhy Do Active Funds Lag Even With Winning Picks? Follow Morningstar on social: Facebook: https://www.facebook.com/MorningstarInc/ X: https://x.com/MorningstarInc Instagram: https://www.instagram.com/morningstarinc/ LinkedIn: https://www.linkedin.com/company/morningstar/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sometimes one glimpse can change everything. For a woman facing an unexpected pregnancy, fear and uncertainty can make it difficult to know what comes next. But seeing her baby through an ultrasound can bring a moment of clarity—and open the door to compassionate care, practical support, and hope. Dan Steiner, Founder and President of PreBorn!, joined the show today to explain how the ministry partners with pregnancy clinics across the country to reach women facing unexpected pregnancies. PreBorn! provides ultrasound machines, training, financial support, and other resources to help local clinics serve women at a critical moment. The Power of an Ultrasound One of PreBorn!'s primary tools is remarkably simple: giving a mother the opportunity to see her baby. A gift of $28 can fund one ultrasound, $56 can fund two, and $140 can fund five. For donors with greater capacity, a $15,000 gift can help provide an ultrasound machine for a pregnancy center. According to Steiner, those machines can remain in service for years and help thousands of women. The ultrasound itself can be a powerful moment. A woman may arrive feeling pressure from a boyfriend, family member, or overwhelming circumstances. But seeing her baby's arms and legs and hearing the heartbeat can make the pregnancy suddenly feel very personal. PreBorn! says that seeing an ultrasound significantly increases the likelihood that an abortion-minded woman will choose life. The ministry then seeks to walk alongside her with compassion and practical support rather than judgment. Strengthening Local Pregnancy Centers PreBorn! generally does not operate pregnancy centers directly. Instead, it works alongside local clinics, many of which have limited staff and resources. The ministry helps provide ultrasound machines, funds individual scans, trains staff, assists with marketing and leadership, and works to increase clinic capacity. Steiner said PreBorn!'s network includes roughly 300 clinics across the United States, with an emphasis on reaching women in communities with high abortion rates. That partnership allows local ministries to focus on serving women while receiving resources they might otherwise struggle to afford. When Seeing Her Baby Changes the Story Steiner shared the story of one young mother who arrived at a pregnancy center intending to have an abortion. She already had two boys at home, her boyfriend was unsupportive, and she feared another child would make it harder to care for the children she already had. During her first ultrasound, she saw her baby and began to cry—but she still planned to proceed with an abortion. The following week, however, she returned for another ultrasound. At 11 weeks, she could see her baby moving. She also learned she was expecting a daughter. Having always wanted a girl, she decided to continue the pregnancy. Steiner pointed out that a donor funded her ultrasound—illustrating how even a relatively small gift can become part of a much larger story. More Than Meeting an Immediate Need For PreBorn!, the work does not end when a woman chooses life for her child. The ministry also wants women and families to encounter the hope of the gospel. PreBorn! trains clinic staff to share Christ when appropriate while emphasizing that those conversations should never be forced. Steiner said evangelism remains central to the ministry's mission, alongside practical care for mothers and their babies. That reflects a broader picture of Christian compassion: caring for both immediate physical needs and eternal spiritual needs while recognizing the dignity of every person made in the image of God. An Opportunity to Come Alongside Women FaithFi is partnering with PreBorn! to help fund 1,500 free ultrasounds. Every $28 funds one ultrasound, while larger gifts can provide multiple scans or even help place an ultrasound machine in a pregnancy center. According to Steiner, PreBorn!'s network saw more than 84,000 babies saved from abortion in the previous year and provided more than 136,000 ultrasound scans across the country. For Christians thinking about generosity, this is a reminder that stewardship is not simply about giving money away. It is about prayerfully using what God has entrusted to us to serve others, meet tangible needs, and point people toward the hope of Christ. To learn more or support the campaign, visit FaithFi.com/PreBorn or dial #250 and say “BABY.” On Today's Program, Rob Answers Listener Questions: I have money sitting in the bank and about $3,000 in credit card debt. Should I use some of my savings to pay off the cards, and where should I keep the rest so it earns more without being too easy to spend? I have an RMD of about $10,000 that I need for living expenses. Is there any way to reduce the tax impact, and what should I do with the money if I need to spend it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) PreBorn! Christian Credit Counselors FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday 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.

Your TSP has some of the lowest fees in the country — but a low-fee investment account is not the same thing as a written retirement income plan. In this short video, Charles explains what a real federal retirement plan actually coordinates, and what it costs you every year you wait.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why low TSP fees don't add up to a retirement plan- What a real plan coordinates: FEHB, Medicare Part B, survivor benefits, and Social Security timing- How tax-deferred savings turn into RMDs — and who picks the number if you don't- The Medicare Part B cycle that quietly raises your costs as your income rises- The two things every written retirement income plan should start withWhat worries you more — paying higher fees, or not having a plan at all? Drop it below

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the tax problem quietly building for anyone with a large 401(k) or IRA, required minimum distributions, Roth conversions, and the Medicare IRMAA surcharge that catches even careful savers off guard.Listen in to learn about how RMDs are calculated once you reach your 70s, why a disciplined saving habit can turn into a bigger tax bill than expected, how a Roth conversion strategy can smooth that out over time, and how Medicare's IRMAA surcharge fits into the timing of it all.In this episode, find out:What a required minimum distribution (RMD) actually is, and why it can surprise even the most disciplined saversA simple way to estimate what your own future RMD could look like, using nothing more than your current balance and a rough growth assumptionHow a Roth conversion strategy can smooth out RMDs over time, including a real example from POM's tax strategy sessions that projected six figures in lifetime tax savingsWhat the Medicare IRMAA surcharge is, why it's tied to your income two years before you enroll, and why it can add hundreds or thousands of dollars a year to your Medicare premiumWhy RMD planning and Medicare IRMAA planning can't be handled separately, and need to be revisited every year as part of a real tax strategyTweetable Quotes:"Not everybody should do a Roth conversion, but everybody should have an analysis done to find out if it makes sense." — Radon Stancil"A big 401(k) is a good problem to have, but it's still a problem you need a plan for." — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

CME credits: 0.25 Valid until: 24-08-2027 Claim your CME credit at https://reachmd.com/programs/cme/ready-set-act-opportunities-to-address-persistent-unmet-needs-in-patients-with-hfref-a-case-based-discussion/57260/ Using a real-world patient case, Dr. Stephen Greene and Dr. Carolyn Lam explore strategies to optimize care for patients with heart failure with reduced ejection fraction (HFrEF) who remain at elevated risk despite guideline-directed medical therapy (GDMT). The discussion examines the importance of avoiding clinical inertia, addressing persistent residual risk, and using biomarkers such as NT-proBNP to guide treatment decisions. Faculty also review the mechanism of action of the soluble guanylate cyclase stimulator vericiguat and evidence from the VICTORIA and VICTOR trials evaluating its use across a spectrum of ambulatory HFrEF populations, as well as findings from the VELOCITY study supporting a 5-mg starting dose and simplified titration to the target dose. Practical guidance is provided on integrating vericiguat with established HFrEF therapies, including patient selection, dosing, and tolerability, with the goal of reducing the risk of cardiovascular death and worsening heart failure in appropriate patients.=

Guest: Leonardo Lopez, M.D. On this episode of Advances in Care, Erin Welsh is joined by Dr. Leonardo Lopez, a psychiatrist at NewYork-Presbyterian and vice chair for inpatient services in the Department of Psychiatry at Weill Cornell Medicine. Dr. Lopez and his team are at the forefront of electroconvulsive therapy (ECT) and have built one of the largest programs of its kind in the country dedicated to treating severe psychiatric illness through this revolutionary method. Though it is one of the most effective therapies available for certain psychiatric conditions like treatment resistant depression and schizophrenia, ECT isn't widely adopted or accessible. However, Dr. Lopez hopes to change that. In the episode, he describes the history of this treatment, how it has evolved since its inception to become one of the safest procedures done under general anesthesia, and the dramatic response rates. ECT works by restructuring neurotransmitter release and promoting neuronal growth. Patients with conditions like psychotic depression and catatonia can sometimes see upwards of 90-95% response rates. To illustrate the power of ECT, Dr. Lopez shares the story of a pediatric patient who was referred to his team after being diagnosed with catatonia caused by another condition. Although the other condition was treated, the …

Book a call: https://remnantfinance.com/calendarEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEHans opens this episode with a correction to the original recording, the SECURE 2.0 Act dropped that penalty from 50 percent to 25 percent, and then makes the case that the only incentive that explains the rule at all is that they do not want you leaving it to your children.From there, a macro roundup on the three stories driving the tape right now: the 30-year Treasury clearing above 5.3 percent for the first time since 2007, oil sitting stubbornly in the eighties while the Strategic Petroleum Reserve hits its lowest level since 1982, and the Fed holding its range at 3.5 to 3.75 while the betting markets start pricing a hike rather than a cut. Then a replay of what was, for most of this show's run, its most popular episode. Hans and Brian take apart the conventional financial planning model, starting with the assumption buried underneath all of it: that anyone can predict the future. When you retire, what taxes will be, what inflation does, how long you live, how the market performs. Every one of those has to break your way for the plan to work. Only one has to break against you for it to fall apart.Chapters 00:00 – Opening segment 01:05 – Why part two of the interest rate breakdown is delayed a week 04:55 – Correction: SECURE 2.0 took the RMD penalty from 50 percent to 25 percent 06:45 – The one piece of the tax code Hans cannot steel man 07:00 – How the two gates work: 59 and a half, then 73 08:15 – Reducing the penalty to 10 percent, and why the barrier never really left 10:20 – Tax on the seed versus tax on the harvest 11:55 – Macro roundup: how a Treasury auction actually clears 14:05 – The 30-year breaks 5.3 percent, highest since 2007 14:55 – Heavy federal issuance and the approaching 40 trillion mark 15:50 – AI data center CapEx enters the rate story 16:35 – Three straight down sessions in the S&P 17:00 – Oil, Hormuz, and the lowest SPR level since 1982 20:20 – Why "cooling inflation" is still inflation 22:10 – Replay begins: the airline gig and stop being a passenger 25:50 – What the institutions want, and the four things they are optimizing for 26:40 – Pond money versus river money 27:45 – The blackjack cheat sheet the dealer hands you for free 28:50 – The conventional model in one paragraph 30:50 – Where did 65 come from, and why is it a goal at all 32:25 – The Social Security incentive trap 33:35 – The generation that struck gold on the timeline of history 36:10 – Asset price inflation is not value creation 37:10 – A proposal: let our generation take the hit 40:40 – On spending it all and leaving nothing behind 44:15 – The Waiting List, and what you would actually trade for your children 48:55 – Back to the model: predict the future 50:20 – What will tax rates be in thirty years 53:40 – If taxes double, does your plan survive 53:55 – The family budget slide and what it actually is 59:35 – 1988 prices and the case against linear inflation 1:02:50 – How long will you live, and the barrel of water on the island 1:05:35 – Market performance as a load-bearing assumption 1:06:45 – Closing segmentKey TakeawaysThe conventional plan is a stack of predictions dressed as a strategy. When you retire, what tax brackets look like decades out, what inflation does to the cost of a car or a house, how long you live, and what the market returns over the accumulation window.

Your TSP withdrawals can trigger consequences you never see coming — and sometimes "doing nothing" is the biggest mistake of all. In this short video, Charles walks through the TSP withdrawal traps that quietly cost federal retirees: lump sums that bump your tax bracket, Medicare premium spikes (IRMAA), a hidden jump in how much of your Social Security gets taxed, and RMDs that take the wheel if you don't plan.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- How a big lump-sum withdrawal can push you into a higher tax bracket- How TSP withdrawals can spike your Medicare Part B premium (IRMAA)- How you can accidentally make more of your Social Security taxable- Why doing nothing lets RMDs — and the IRS — take control in your 70s- Why "purposeful and intentional" withdrawals need a written planAre you planning your TSP withdrawals — or leaving it alone and hoping it works out? Drop a Y or N

Host: Peter Buch, MD, FACG, AGAF, FACP Guest: Chul Hyun, MD, PhD, MPH Gastric cancer risk in the United States varies substantially across populations, yet prevention remains largely based on symptoms. Join Dr. Peter Buch and Dr. Chul Hyun, Director of the Gastric Cancer Prevention and Screening Program at the Yale School of Medicine, as they explore how recognizing key risk factors may help us identify patients who warrant closer evaluation.

Jim and Chris discuss listener emails on the Social Security Fairness Act, an IRMAA question involving deferred compensation, Roth conversions before and after key age milestones, Roth contributions for high-income catch-up savers, and how TEFRA affects an inherited annuity. (9:45) — A listener disagrees with the show’s characterization of the Social Security Fairness Act as unfair, explaining that after paying into both a government pension and Social Security for 40 quarters, she believes receiving both without penalty is fair for her situation. (27:45) — The guys field a question from a retiree who retired in 2025 and will receive deferred compensation payments through 2029 that push his income over the IRMAA threshold. He wonders whether he can file an SSA-44 in 2029 to eliminate the IRMAA surcharges. (37:00) — Jim and Chris are asked to revisit a recent discussion on moving money from Traditional to Roth accounts instead of taking distributions, with a listener wanting more detail on the implications of doing so before age 59 and a half and after RMD age. (48:30) — George asks for the pluses and minuses of continuing Roth 401(k)/403(b) contributions later in life compared with investing in a taxable brokerage account, including how a 50-year-old might decide between the two and whether those aged 61-63 should use the Roth option for super catch-up contributions. (1:03:30) — A listener has several questions about TEFRA, including what it stands for, when it was enacted, and how it affects distributions from an inherited annuity listing Pre-TEFRA and Post-TEFRA cost basis. The post Social Security, IRMAA, Roth Conversions, Roth Contributions, TEFRA: Q&A #2633 appeared first on The Retirement and IRA Show.

Diversification is a key part of wise investing, and for many portfolios, that means looking beyond U.S. markets. But Christian investors may wonder whether they can pursue international opportunities while still aligning their investments with biblical convictions. Benjamin Bailey, Vice President of Investments at Praxis Investment Management, says the answer is yes. Faith-based investing can extend across a portfolio—including its international holdings. What Is Faith-Based Investing? Faith-based investing begins with the belief that financial decisions can be informed by faith. Rather than viewing investment returns as the only consideration, this approach seeks to balance two priorities: putting financial resources to productive use while also considering the impact investments may have on individuals, communities, and God's creation. For Christian investors, that means asking not only, “How might this investment perform?” but also, “What am I supporting with the resources God has entrusted to me?” Interest in this approach continues to grow. Bailey points to estimates suggesting that Christian households collectively hold trillions of dollars in investments, creating significant opportunity for believers who want their portfolios to reflect their convictions. Why Invest Internationally? International investments can play an important role in a well-diversified portfolio. Different countries and regions do not always experience the same economic conditions or market cycles at the same time. Investing across global markets can therefore give investors exposure to companies, industries, and opportunities they might not encounter through U.S. investments alone. That principle applies to faith-based investors as well. If an investor wants biblical values reflected throughout a portfolio, those considerations should not necessarily stop with domestic holdings. Until recently, however, Christian investors have had fewer faith-based choices in the international marketplace. “People want choices, and people want options,” Bailey says. The Challenges of Faith-Based Investing Overseas Applying faith-based investment criteria internationally can be more complicated than doing so in the United States. Investors need reliable information about companies around the world, including their business activities and practices. Cultural differences, regulatory environments, and varying levels of corporate disclosure can make that research more difficult. That is why investment managers often rely on global research organizations with experience evaluating companies across countries and industries. There is another challenge as well: certain markets may contain a higher concentration of companies involved in business activities that conflict with an investor's faith-based guidelines. Depending on the screening approach being used, that can limit the available investment universe. These challenges make careful research and a clearly defined investment process especially important. Expanding Faith-Based Choices With PRXI Praxis recently expanded its international offerings with the launch of PRXI, a faith-based international exchange-traded fund. The new ETF is designed to address an area where investors have historically had relatively few faith-based options. Praxis has been investing internationally for years through its international mutual fund. PRXI brings that experience into an ETF structure while using what Praxis describes as an optimized index approach. Rather than attempting to dramatically outperform a market benchmark through active stock selection, the strategy seeks performance that is generally similar to its benchmark while incorporating Praxis' faith-based investment criteria. For investors who want international diversification without moving away from their convictions, that approach provides another potential tool for building a portfolio aligned with their values. Faithful Stewardship Across the Portfolio Faith-based investing does not have to stop at the water's edge. International diversification may be appropriate for many investors, and the growing number of faith-based investment options means Christians increasingly have opportunities to pursue diversification while remaining attentive to what their investments support. As with any investment decision, the goal is not simply to choose a product because it carries a faith-based label. Investors should understand the strategy, risks, expenses, diversification benefits, and underlying holdings and consider how each investment fits within their overall financial plan. Ultimately, investing is another area of stewardship. The resources God provides can be managed with wisdom, intentionality, and a desire to honor Him—not only in how much we earn, but also in how and where we invest. Praxis Investment Management has offered faith-based investment solutions since 1994, incorporating approaches that extend beyond investment screening to include shareholder engagement and other forms of impact. To learn more, visit PraxisInvests.com. On Today's Program, Rob Answers Listener Questions: I have a seven-year-old granddaughter and want to start saving for her college education. What's the best way to invest for that, and can I use my RMD to help fund it? My husband and I are 64, retired, debt-free, and have substantial savings, including about $700,000 in TSP. We've never worked with a financial planner and are considering a Certified Kingdom Advisor, though none are local. How should we think about managing these assets from here, and where might Roth IRAs fit into the plan? We rarely use credit and haven't needed much of it in decades. Is there any downside to freezing our credit reports? We have an investment account whose earnings we give to ministry, and over about five years we've given away roughly what we originally invested. Should we keep the principal invested and continue giving the proceeds, or liquidate it and give the full amount now? We also planned to leave it to our children with instructions to give it to ministries after we die—does that make sense? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Praxis Investment Management | PRXI SavingForCollege.com  Charity Navigator | ECFA (Evangelical Council for Financial Accountability) National Christian Foundation (NCF) Experian | TransUnion | Equifax FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday 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. 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Retirement planning is about more than simply saving enough money. In this episode of Dollars and Cents, Joel Garris breaks down several important issues retirees and pre-retirees should understand before making major financial decisions.First, Joel discusses the continued surge in annuity sales and why investors should be cautious before signing a long-term insurance contract. With record amounts of money flowing into annuities, he explains why these products are often complex, commission-driven, and full of fine print that can affect flexibility, access to money, and the true value of advertised guarantees.Then, the conversation shifts to retirement planning for couples. Joel shares several conversation starters every married couple should consider before retirement, including what retirement actually looks like, how each spouse thinks about money, when each person wants to retire, and where they want to live. These lifestyle expectations can be just as important as the financial projections.Finally, Joel covers tax surprises that can catch retirees off guard, including the taxation of Social Security, Medicare premium increases tied to income, required minimum distributions, and the surviving spouse tax trap. If you're approaching retirement or already there, this episode offers practical reminders to ask better questions, plan ahead, and avoid costly surprises.

Have a Financial Advisor for Federal Employees respond to your questions. Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Two federal employees retire the same year with the same TSP balance. Five years later, one has paid tens of thousands more in taxes. The difference wasn't the market — it was the withdrawal decisions. In this episode, Charles and Marcus walk through the five TSP withdrawal mistakes behind that gap, and how to avoid each one.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletter━━━━━━━━━━━━━━━IN THIS EPISODE━━━━━━━━━━━━━━━- Mistake 1: the big lump sum — why cutting into the "wheel of cheese" too fast can't be undone- Mistake 2: why the tax withheld is NOT the tax you owe (and the filing-season surprise)- Mistake 3: withdrawal order — how pulling from the wrong bucket can cost more than a bad market year- Mistake 4: timing that trips IRMAA and bracket creep — including the 2-year lookback- Mistake 5: the fix — a written withdrawal sequence before you separate- Why the goal isn't the lowest tax THIS year, it's the lowest tax over 20–30 years━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Same Balance, Tens of Thousands Apart0:31 Welcome — CD Financial Podcast2:13 Mistake 1: The Big Lump Sum (The Wheel of Cheese)3:42 Mistake 2: Withholding Isn't Your Real Tax Bill6:24 Mistake 3: Withdrawal Order — Traditional vs. Roth7:48 Sailing the Tides: Adjusting Year to Year9:30 Lower Brackets Now = Smaller RMDs Later11:55 Mistake 4: IRMAA & Bracket Creep (2-Year Lookback)14:52 Mistake 5: The Written Withdrawal Sequence16:10 Watch Next: FERS Retirement Explained━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, taxes, Medicare, and retirement income planning — where health meets wealth.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Educational only; not financial, legal, tax, or investment advice. Tax brackets, IRMAA thresholds, Social Security taxation, and RMD rules depend on your individual situation and change yearly — verify with the IRS, SSA, and a qualified tax professional before acting. Client examples are anonymized and illustrative.#TSP #TSPWithdrawals #FederalRetirement #IRMAA #TaxPlanning #CDFinancialSupport the show

What scares Americans more than death? For nearly two out of three people, it's the possibility of running out of money in retirement. Costs continue to rise, paychecks eventually stop, and the money you've accumulated may need to support you for decades. In this episode, Nicholas J. Colantuono, CFP® and Eric Hogarth, CFP® explain why retirement confidence doesn't come from an account balance alone and share strategies to help you avoid spending retirement constantly worrying that the next expense could knock your plan off course. Here's what we discuss in this episode:

Chargebacks were built to protect consumers from stolen cards and crooked merchants. Now they're increasingly used when a subscription surprises someone, a restaurant disappoints, or buyer's remorse sets in. Don and Tom sort real fraud from “friendly fraud”—and explain why the first call should usually go to the merchant, not the bank.They also look at confusing statement names, recurring subscriptions, the cost merchants absorb when a dispute lands, and why credit cards generally provide stronger consumer protection than debit cards.Then it's listener-question time: a free-dinner annuity pitch promising 12% to 15%, whether to bunch charitable gifts, dialing a retirement portfolio from 60/40 to 50/50, and using RMD withdrawals to rebalance at Vanguard.0:38 — From 1929 bucket shops to today's prediction markets3:21 — Chargebacks, card fees and “friendly fraud”7:06 — Mystery merchant names and subscription confusion8:25 — Bad service, buyer's remorse and the fraud line11:10 — When a chargeback is legitimate13:28 — Why merchants lose most disputes16:59 — Listener questions begin17:30 — The free-dinner annuity pitch22:49 — Should you bunch charitable gifts?24:06 — 60/40 or 50/50 before Social Security?26:06 — RMD withdrawals and Vanguard rebalancingQuestions? Comments? Click!

Aug 3, 2026 – Missing a single deadline can trigger a 25% tax penalty, and most retirees do not realize how many ways an RMD can quietly reshape their finances. Brendan McMurtrie sits down with Ryan Puplava to break down required minimum distributions under SECURE Act 2.0...

Jim and Chris discuss the new PROMISE Act’s potential impact on Social Security before covering listener emails on pension RMD timing, interest taxation versus capital gains indexing, and portfolio strategy around Social Security survivor benefits and multi-account allocation. (5:30) — Chris discusses the new PROMISE Act and how it may impact Social Security. (17:15) — George asks how long he can delay pension distributions without violating RMD rules, given his 73rd birthday falls in February 2027. (29:45) — A listener asks whether interest income should be inflation-indexed the same way some propose indexing capital gains for wealthier taxpayers. (43:00) — The guys field a two-part question on how a surviving spouse’s Social Security loss factors into MDF portfolio and annuity design, and how to allocate a portfolio strategy across different account types. The post Social Security, Pension RMDs, Interest Taxation, Portfolio Strategy: Q&A #2629 appeared first on The Retirement and IRA Show.

Jim and Chris discuss listener emails on Social Security spousal benefit calculations, variable annuities in a 403(b), converting Inherited IRAs, and the Social Security child-in-care provision’s effect on spousal benefits. (10:00) — A listener asks Chris to explain why his additional high-earning years increased his own benefit so little, due to Social Security’s bend point formula, and how that translated into only a small spousal benefit adjustment for his wife. He also asks whether Social Security stops recalculating a worker’s PIA once they reach age 70. (28:00) — Georgette asks why her 403(b) funds are classified as variable annuities rather than mutual funds, and whether they function like other variable annuities sold on the open market. (54:30) — The guys field a question about a non-spouse inherited IRA, where the account holder wants to know whether the required RMD must be taken before completing a separate Roth conversion. (1:05:15) — Jim and Chris address whether the child-in-care provision removes the early-claiming reduction to a wife’s spousal benefit, in a case where she claims at 62 and her husband, the higher earner, waits until 65. The post Social Security, 403b Variable Annuities, Converting Inherited IRAs: Q&A #2627 appeared first on The Retirement and IRA Show.

Andy discusses common tax planning mistakes often made in retirement. Additionally, he shares insight on how to attempt to prevent such mistakes, and/or fix them after they've happenedThe 8 common mistakes are:Not paying enough income tax timely throughout the year, and having underpayment penalties as a resultMissing or not taking the correct amount of Required Minimum Distributions (“RMDs”)Having improper beneficiary designationsNot properly applying Roth account withdrawal rulesNot understanding IRA “basis” and the pro rata ruleNot being as tax-efficient as possible with charitable givingNot managing Modified Adjusted Gross Income (“MAGI”)Not planning for state-specific income tax considerationsLinks in this episode:My YouTube video - How Much Estimated Tax to PaySummary of RMD factors from the Retirement Planning Education website's - Free StuffIRS summary of RMDs - hereMy company's newsletter - Required Minimum Distribution ("RMD") Rules from Inherited IRAsMy YouTube video - Roth IRA Withdrawal Rules My YouTube video reply of the webinar - IRA after-tax "basis," the pro rata rule and Form 8606My YouTube video - How to give to charities tax-efficientlyMy company's newsletter - How to donate to charities tax-efficientlyMy YouTube video - What is Modified Adjusted Gross Income, or "MAGI"Tenon Financial monthly e-newsletter - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.comTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com