Podcasts about rmd

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

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Don and Tom break down the overhyped expectations around recent market returns, referencing Jason Zweig's analysis of 230 years of stock market data. They emphasize that spending and saving habits matter more than chasing 15% returns, and explain why realistic planning using a 3–6% real return assumption over 30-year rolling periods is more prudent. They also tackle questions about RMD strategies from Vanguard IRAs and the TSP's F and G bond funds. The show ends with a tongue-in-cheek breakdown of NFL team valuations—yes, the Raiders rank surprisingly high. 0:04 Welcome, fatuousness defined, and realistic investing begins 0:52 Why you shouldn't expect 15% returns forever—even if you got them 1:52 What Jason Zweig's long-term data reveals about stock returns 2:51 Bogle warned us not to expect high returns—now what? 4:16 Spending and saving: more important than investing performance 5:08 Don's “prepaid gains” analogy for future expectations 7:00 Real market returns since 1793—spoiler: they're not 15% 8:58 Stocks might only beat inflation by 3%—and that's still a win 9:45 Start saving early: waiting until 50 is a losing game 10:18 How to plan with lower expected returns (realistic scenarios) 11:56 Use expected return to guide your savings rate (3% = save 20%) 13:45 “You weren't smart. You were lucky.” Now diversify. 15:31 Tom's wife dreads football season—Don celebrates Chiefs loss 18:42 Listener RMD question: Which ETFs get tapped at Vanguard? 19:29 Bonds are back: fixed income up ~6% this year 20:24 Rebalancing vs. just selling: how to handle RMDs smartly 21:04 Raiders rank #4 in NFL valuations… but why? 24:36 Top NFL team values: Cowboys rule, Cardinals drool 27:27 Arizona sports: low attendance, low valuations 28:59 TSP question: F fund vs. G fund—what to use, when 30:25 Don favors the G fund for simplicity and ballast 31:45 Tom and Don disagree—F fund might return more, but… 32:26 Don's vegetable-spiked coffee and Justin's final TSP allocation 34:13 Listener Barbara has multiple annuities—Don and Tom say, “Yikes” 35:47 Why you probably talked to a salesperson, not a fiduciary 37:04 The free Appella consultation is steak-free and no-pressure Learn more about your ad choices. Visit megaphone.fm/adchoices

How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I'll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You'll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don't trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.

Guest: Paola Marignani, PhD, EMBA Single-cell RNA sequencing is transforming our understanding of tumor heterogeneity in primary lung cancers by offering insights far beyond traditional bulk sequencing. In this program, Dr. Paola Marignani explores how advanced machine learning enables faster, more precise profiling of genetic diversity, predictive modeling for recurrence and drug resistance, and personalized treatment strategies. Dr. Marignani is a Professor in the Department of Biochemistry and Molecular Biology at Dalhousie University in Halifax, Novia Scotia, and she spoke about this topic at the 2025 World Conference on Lung Cancer.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Samuel Yamshon, MD The treatment landscape for large B-cell lymphoma (LBCL) is rapidly evolving due to the growing integration of bispecific antibodies into second-line care. While these agents offer promising, targeted options—not only for patients ineligible for CAR T-cell therapy, but also as complementary strategies in combination with chemoimmunotherapy—they raise important questions around sequencing, durability, and patient selection. Joining Dr. Charles Turck to explore the real-world implications of this evolving approach is Dr. Samuel Yamshon, Director of the Cellular Therapy Service and an Assistant Professor of Medicine at Weill Cornell Medicine in New York.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Sairah Ahmed, MD CAR T-cell therapies have helped transform the treatment of aggressive lymphomas, but could they also change the game for slower-growing, harder-to-treat diseases like marginal zone lymphoma? Based on new data from the TRANSCEND FL study, liso-cel achieved a 95 percent overall response rate and sustained 24-month progression-free survival in relapsed/refractory marginal zone lymphoma. Here with Dr. Charles Turck to share the key efficacy and safety findings is Dr. Sairah Ahmed, Professor in the Department of Lymphoma and Myeloma and CAR T Program Director at MD Anderson Cancer Center.

Guest: John Cho, MD, PhD, FRCPC Surgery for mesothelioma after radiation therapy (SMART) offers new hope for patients with resectable epithelioid mesothelioma by reversing the traditional treatment sequence. Hear from Dr. John Cho as he discusses the rationale behind this decade-long clinical advancement, which he spoke about at the 2025 World Conference on Lung Cancer. Dr. Cho is a radiation oncologist at Princess Margaret Cancer Centre and an Associate Professor in the Department of Radiation Oncology at the University of Toronto.

Guest: John Cho, MD, PhD, FRCPC While early findings using the SMART protocol for mesothelioma have been encouraging, replication has proven challenging due to steep surgical learning curves, complexities in planning, and skepticism. Dr. John Cho explores why adoption has been limited and what's next for this approach, which he discussed at the 2025 World Conference on Lung Cancer. Dr. Cho is a radiation oncologist at Princess Margaret Cancer Centre and an Associate Professor in the Department of Radiation Oncology at the University of Toronto.

Host: Ryan Quigley The World Health Organization's new Integrated Lung Health Resolution is the first to explicitly include lung cancer within a global lung health framework. In this AudioAbstract, ReachMD's Ryan Quigley explains what this means for screening, early diagnosis, care pathways, and equitable access to treatment.

Guest: John Cho, MD, PhD, FRCPC While early findings using the SMART protocol for mesothelioma have been encouraging, replication has proven challenging due to steep surgical learning curves, complexities in planning, and skepticism. Dr. John Cho explores why adoption has been limited and what's next for this approach, which he discussed at the 2025 World Conference on Lung Cancer. Dr. Cho is a radiation oncologist at Princess Margaret Cancer Centre and an Associate Professor in the Department of Radiation Oncology at the University of Toronto.

Host: Ryan Quigley The World Health Organization's new Integrated Lung Health Resolution is the first to explicitly include lung cancer within a global lung health framework. In this AudioAbstract, ReachMD's Ryan Quigley explains what this means for screening, early diagnosis, care pathways, and equitable access to treatment.

Guest: John Cho, MD, PhD, FRCPC Surgery for mesothelioma after radiation therapy (SMART) offers new hope for patients with resectable epithelioid mesothelioma by reversing the traditional treatment sequence. Hear from Dr. John Cho as he discusses the rationale behind this decade-long clinical advancement, which he spoke about at the 2025 World Conference on Lung Cancer. Dr. Cho is a radiation oncologist at Princess Margaret Cancer Centre and an Associate Professor in the Department of Radiation Oncology at the University of Toronto.

Guest: Paola Marignani, PhD, EMBA Single-cell RNA sequencing is transforming our understanding of tumor heterogeneity in primary lung cancers by offering insights far beyond traditional bulk sequencing. In this program, Dr. Paola Marignani explores how advanced machine learning enables faster, more precise profiling of genetic diversity, predictive modeling for recurrence and drug resistance, and personalized treatment strategies. Dr. Marignani is a Professor in the Department of Biochemistry and Molecular Biology at Dalhousie University in Halifax, Novia Scotia, and she spoke about this topic at the 2025 World Conference on Lung Cancer.

Guest: Juan P. Rocca, M.D., MHA On this episode of Advances in Care, host Erin Welsh hears from Dr. Juan P. Rocca, a transplant surgeon at NewYork-Presbyterian and Weill Cornell Medicine who recently led the first fully robotic liver transplant in New York. Dr. Rocca details the recent developments in robotic surgery at Weill Cornell Medicine's Division of Liver Transplantation and Hepatobiliary Surgery, including an ongoing push to advance from laparoscopic and open surgical methods, and now to robotics. He explains why the robotic approach is optimal for complex liver surgeries and discusses how he and his team have been training to make robotic living donor hepatectomies a standard in their department. Then, Dr. Rocca breaks down the process of the liver transplant operation that became the first fully robotic execution in New York. He describes the most critical steps of the procedure, how it felt to achieve this milestone, and the example that he hopes to set for other institutions beyond NewYork-Presbyterian and Weill Cornell Medicine. © 2025 NewYork-Presbyterian

Guest: Ann Klopp, M.D., Ph.D. The recent NRG0238 trial evaluated whether adding chemotherapy to radiation improves outcomes in patients with localized endometrial cancer recurrences. Hear from Dr. Ann Klopp as she explains the findings and how they could shift practice patterns for patient care. Dr. Klopp is a Professor of Radiation Oncology, the Director of Brachytherapy, and the leader of the gynecologic section in the Department of Radiation Oncology at The University of Texas MD Anderson Cancer Center in Houston.

Guest: Ann Klopp, M.D., Ph.D. Endometrial cancer treatment is continuing to evolve, with surgery guiding initial decisions and new evidence showing that adding immunotherapy significantly improves outcomes in advanced disease. But key questions remain around tailoring regimens to individual patients. Dr. Ann Klopp highlights the latest advances and challenges in management, particularly in patients with pelvic recurrences. Dr. Klopp is a Professor of Radiation Oncology, the Director of Brachytherapy, and the leader of the gynecologic section at the University of Texas MD Anderson Cancer Center in Houston.

Guest: Thomas DeLoughery, MD Host: Peter Buch, MD, FACG, AGAF, FACP Iron deficiency anemia is common in gastroenterology patients and is often underrecognized or suboptimally managed. That's why targeted treatment is essential to improve patient outcomes. In this expert-led discussion, Dr. Peter Buch and Dr. Thomas DeLoughery outline what gastroenterologists need to know about oral vs IV iron, absorption dynamics, and tailoring therapy for various patient populations. Dr. DeLoughery is a Professor of Medicine in the Division of Hematology and Oncology at Oregon Health and Science University in Portland.

Guest: Francis Farraye, MD Host: Peter Buch, MD, FACG, AGAF, FACP A 2025 update to the American College of Gastroenterology (ACG)'s guideline on preventive care in inflammatory bowel disease (IBD) includes key changes impacting vaccine recommendations, dermatologic screening, and care coordination. Dr. Peter Buch sits down with Dr. Francis Farraye, lead author of this guideline, to highlight what clinicians need to know. Dr. Farraye is a Professor of Medicine and the Director of the Inflammatory Bowel Disease Center at the Mayo Clinic in Jacksonville, Florida

Host: Peter Buch, MD, FACG, AGAF, FACP Guest: Iris Wang, M.D. From symptom trackers to multidisciplinary app-based platforms, evidence-based digital therapeutics are expanding access to brain-gut behavioral care for patients with irritable bowel syndrome (IBS) and inflammatory bowel disease (IBD). Dr. Peter Buch sits down with Dr. Iris Wang to discuss the spectrum of available tools and explore strategies for aligning them with individual patient needs. Dr. Wang is an Associate Professor of Medicine and the Associate Program Director of the Gastroenterology Fellowship at the Mayo Clinic in Rochester, Minnesota.

CME credits: 0.25 Valid until: 02-09-2026 Claim your CME credit at https://reachmd.com/programs/cme/Retina-Case-Review-Translating-the-Data-Into-Care/36108/ Wondering how your practice's use of next-generation retinal agents compares to the experts? Join Dr. Durga Borkar and Dr. Veeral Sheth as they discuss how they are using next-generation agents to free their patients from frequent office visits. =

Have you heard of required minimum distributions (RMDs) but aren't sure how they impact your retirement plan? In this episode of Coffee with Your Retirement Coach, Nic and I unpack everything you need to know about RMD rules, retirement income planning, and tax-smart strategies to avoid costly mistakes.   We'll explain what RMDs are, when they start, how they're calculated, and the tax implications you need to prepare for. Plus, we share real stories of retirees who were blindsided by RMD requirements—and how the right planning can help you reduce taxes, stay in control of your money, and enjoy retirement with confidence. Whether you're approaching age 73 or just getting started with retirement planning, this episode will help you build a smarter strategy for your future. --- ⏰ Episode Timeline - [1:00] - Why **required minimum distributions** (RMDs) are a critical part of retirement income planning - [2:20] - Which retirement accounts are subject to RMD rules (and why Roth IRAs are an exception) - [3:37] - A powerful story: an engineer nearing retirement who had no idea about RMDs - [5:42] - How RMDs are calculated using your year-end balance and the IRS life expectancy tables - [7:33] - Flexibility in choosing which retirement account to withdraw from—and key caveats to know - [9:11] - The truth about how RMDs are taxed as ordinary income, and one costly mistake to avoid - [11:12] - Why you need an **RMD strategy** before age 73: Roth conversions, charitable giving, and more - [12:36] - How market growth and IRS rules can push you into higher tax brackets over time - [14:24] - A client story showing why even some CPAs misunderstand required minimum distributions - [16:20] - Free resource: our **one-page RMD worksheet** to prepare for conversations with your CPA or advisor ---

Guest: Jennifer Caudle, DO Host: Patrick McGill, MD Current cancer screening guidelines cover just five cancers—breast, lung, colon, prostate, and cervical—leaving many aggressive cancers undetected until later stages. But multi-cancer early detection (MCED) testing is reshaping the landscape with blood-based analyses of cell-free DNA and methylation patterns to identify potential cancers earlier than traditional imaging. Designed for the general population over age 50, MCED testing complements rather than replaces standard screenings, helping detect cancers at stages when treatment is most effective. Joining Dr. Jennifer Caudle to share practical strategies for integrating MCED into clinical workflows, addressing misconceptions, and streamlining follow-up protocols is Dr. Patrick McGill, board-certified family physician and Executive Vice President, Chief Transformation Officer at Community Health Network in Indianapolis.

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

THE EIGHTH WONDER OF THE WORLD - THE QCD! FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA Episode Details: For charitably minded retirees, a Qualified Charitable Distribution (QCD) can be one of the smartest tax strategies available. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor and Tyler Kluge explain how QCDs allow individuals age 70½ and older to donate directly from an IRA to a qualified charity—with meaningful tax benefits. Listeners will learn how QCDs work, the eligibility rules, and why this strategy often provides more advantages than giving directly from a bank account. For example, donating through a QCD reduces adjusted gross income, which may in turn lower Medicare premiums or reduce the taxable portion of Social Security benefits. Sandy and Tyler also explain how the annual contribution limits apply—$108,000 per person in 2025, or $216,000 for married couples filing jointly. The episode covers important differences between required minimum distributions (RMDs) and QCDs, showing why the two should not be confused. Unlike taking an RMD and then writing a check to charity, a QCD ensures the distribution is never taxed in the first place. This simple distinction can mean substantial savings. Practical guidance is also included. The hosts explain how to properly execute a QCD, why the funds must go directly from the IRA custodian to the charity, and how deadlines affect year-end giving. They also share a timeline for planning—suggesting that clients aim to finalize QCDs well before December to ensure smooth processing. Ultimately, QCDs represent a powerful way to align charitable giving with tax-smart planning. For clients who are both financially secure and charitably inclined, this episode highlights why QCDs are often referred to as the “eighth wonder” of retirement planning. For more on BWFA's approach, visit BWFA's Tax Planning page.

The kids may be heading back to class, but it's not a bad time for adults to hit the books too, especially when it comes to retirement. So, let's test your knowledge with a quick financial pop quiz and see how ready you really are.   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:  Marc: The kids may be heading back to class, but it's not a bad time for us adults to maybe hit the books too, especially when it comes to our retirement strategies. So let's test our knowledge this week on the podcast and play a quick financial pop quiz with Tony here on Plan With The Tax Man.   Welcome into the podcast folks. Thanks for hanging out with Tony Mauro and myself. Tony, of course, is here to answer all the questions and give us some insights as he is a CPA, CFP, and an EA of 30 plus years in the industry and over there at Tax Doctor Inc, helping folks get to and through retirement. And Tony, I want to send you to school today, my friend. How you doing?   Tony Mauro: I'm doing well. Enjoying the summer. It's fair time here.   Marc: Good. Good, good.   Tony Mauro: And kids here are heading back to school.   Marc: Yeah. Are you a good test taker?   Tony Mauro: I used to be. I've taken a lot of them, so I've had a lot of practice, but back in school, I wasn't all that great.   Marc: Got you. Got you.   Tony Mauro: Especially in grade school.   Marc: Well, this will be pretty easy for you, but I thought it'd be fun for our listeners to play along as well. And feel free, Tony, once we go through this, it's multiple choice, so it's pretty easy. I'll give you the question, possible answers and then you give us the correct answer or the answer you think, and then maybe just share a client story or elaborate on the answer a little bit, wherever you want to go with that.   Tony Mauro: Mm-hmm.   Marc: But we'll let folks play along as well, see how they do. So, ready for it? You ready to get started?   Tony Mauro: I'm ready.   Marc: All right, here we go. Question number one, what age can you receive full social security benefits if you were born after 1960? Is it A; 59 and a half, B; 62, C; 65 or D; 67?   Tony Mauro: Well, for this one, since I'm in this group, I know this one, it's D for 67.   Marc: Okay. And the trick is the 60, isn't it? The 1960?   Tony Mauro: It's the 1960 and a lot of people still have, in their mind the magical retirement age is 65 and that's still theoretically true, but what they started doing was moving up the age that we can receive full benefits when the trust fund started seeping out more money than it was taking in. And so that's what they did as a step back from that. But a lot of people still think 65, the 62 answer is, you could take it as early as 62, but for us after 1960, it's 67.   Marc: Right, for that full retirement age. And it's always, what is it, like 66 and some months or something? I think my brother was one of those, he was 66 and seven months or something like that. But we'll see what happens if they change it. But a lot of times people wonder is it worthwhile to extend it to 70 and all that stuff. But this was again, just when you can do the full and of course the caveat there being Tony, if you don't do the full, if you go early, there are income limitations.   Tony Mauro: There are a lot of income limitations, yeah, if you take early because if you take it at 62, you can go out and earn income, but they're going to reduce your social security. And this is all the way up to full retirement age, a dollar for every, I believe it's $2 that you earn. And so, the whole idea, I believe, of probably this question is you need to work with somebody and try to figure out what's the optimal age for you depending on your situation.   Marc: Correct.   Tony Mauro: Because everybody's going to be a little bit different there.   Marc: Yeah. Yeah, exactly. And of course, once you get to 67, you can make all the money you want in the world and go from there. But yeah, so there you go. Good job. So good job with this first one. All right, so how'd you guys do? Did you get the question correct? And most people, I think, probably know that one, but again, you might not be aware that depending on when you were born, it could affect your social security or when you turn it on. All right, number two, what is the maximum annual contribution limit for a traditional or a Roth IRA for individuals that are age 50 and older as of 2025? Is it $6,000 a year you can put into that account, B; $7,000 a year, C; $8,000 a year, or D; $9,000 a year?   Tony Mauro: That's another one of those questions that I think for most people, they've got the general idea, they've probably lost track unless you're like us and live it every day. But the correct answer is C; $8,000 in my mind because... And the reason I say that people get lost is they know it's around anywhere from, I get answers from about $5,000 to $8,000, but they've done a lot for people over 50 now as a catch-up provision. So they give you a little chance to put extra in if you're over 50, which is a great deal.   Marc: Yeah, I mean, it's not the most massive amount. Sometimes people might hear, oh, $8,000. Because you get what, $7,000 normally and if you're over 50 you get that extra thousand, right?   Tony Mauro: Extra thou, yeah.   Marc: But I mean-   Tony Mauro: That's not a lot.   Marc: Yeah, but I mean, 8 grand, Tony, if you're 50 and you're not retiring until, see the prior question, 67, that's 17 years at $8,000 a year. I mean, that's not chump change either.   Tony Mauro: And you got to think, at least I think in my opinion, and even with now what they've done with the recent retirement changes for these 401K's and whatnot, they're really trying to make it known, I don't think they'd do a good enough job, because they don't want us really relying on what we're talking about in the first question, and that's social security. Even though I believe it'll be there, but they're trying to say, "Hey look, we're going to give you every break that we can to try to stock money away so that you're not just dependent on social security." That's my theory.   Marc: Okay. Yeah. And again, if you're over 50, you get those catch-up contributions and that's just the traditional in the Roth. Then there's the company sponsor plans, which is obviously quite a bit more so the government, every once in a while they do something that makes sense and the catch-up contributions over 50 is definitely helpful for a lot of people. So that's a good place to... Especially for folks who feel like they're behind, which many people who first start thinking about getting into retirement when they get into their 50's are like, "Ah, man, I'm not in good shape." So this is a great way to shore that up. All right, number three, which type of retirement account, Tony, requires you to take the RMD, the required minimum distribution? Is it A; a brokerage account, B; a 401K, C; an HSA or D; a Roth 401K?   Tony Mauro: Another tough one. This one is the 401K, letter B because it is a qualified retirement account. And so what the IRS basically, unless it's a Roth 401K, that's different, but 401Ks, keep in mind, if you've been putting money in tax deferred for however many years, that's basically a deal with the IRS that basically said, "Hey, we're going to let you tax deferral on this money, but hey, by the way, when you start taking it out, we are going to require taxes to be paid."   But they got smart enough to say, "Well, you know what? Some of these people will never take it out and then we're going to escape. We're not going to get our tax money. So they came up with this required minimum distributions rule of, well, once you become a certain age, we're going to require you to take it out whether you like it or not, and you're going to pay taxes at that time, and that's what that RMD means. And they have an age, brackets now, they have raised those a little bit because people are living longer, but the other ones, your Roth, your HSA, and these other ones, you don't have to take money out of those at any time. You can die with whatever you want in those accounts, but the government is crafty that way because they can say they want their tax money.   Marc: I don't know if I've ever ever heard anybody say the government's crafty that way, but there you go.   Tony Mauro: Yeah, some of this stuff they think of it's just, you think they're not very smart and then you think, yeah, that's pretty crafty of them to do that. I get it.   Marc: Sometimes you shake your head though. You do sit there and go, "What in the world are they thinking?" So good stuff. All right, number four here, Tony, what does the 4% rule refer to? Many people have heard this and most people probably know what it is, but in retirement planning, what does the 4% rule refer to? Is it A; the maximum percentage you can contribute to a 401K, is it B; a tax on high income retirees, C; a suggested annual withdrawal rate from your portfolio or D; the penalty for early withdrawal from a Roth IRA?   Tony Mauro: Yeah, I would think most people would probably get this one, but the answer is C, it's the suggested withdrawal rate from your retirement portfolio. And we've talked about this before, several episodes back about that. That's the theory these days that if you can take 4% out of your retirement plan and you can stress test it and tell people, "Hey, if you do this, you can't outlive your money. But I don't really like as a one size fits all for everything. I like to work with clients basically anywhere from 4-6% based on what they have and what they want to do. As long as you can stress test the portfolio and show them that, hey, even if you live till you're 95 or 100, in your instance, with what you want to do, you will not run out of money. They like that. Now, it is a general theory to start and it's an easy way to just ballpark things, but I think you need to work it and get it down a little closer than that. But that's what they're talking about there.   Marc: Yeah. And is it still viable, do you think? Do you think it's something or is it just this gets us in the ballpark?   Tony Mauro: I think it gets us in the ballpark. I still think it's viable. I think with today's interest rates, in order to do 4% or more, you will have to be willing to accept either taking principle out or you've got to accept a little more risk and delve into either some bonds or equities or some things like that. A little higher paying dividends than just an old time CD. Right now, if you just were in CDs, you couldn't do that.   Marc: Got you. Okay. And then the final one this week, Tony, is what is a financial risk that many retirees face? This is question number five. I'm going to give you a layup. I got to make this easy. Is it A; outliving their money, B; paying too much in taxes, C; miscalculating healthcare costs, D; being overexposed to risk in the market or E; all of the above?   Tony Mauro: And one's not on there, is earning too much from their returns, but this is D; all of the above. I think all of these things is what we work with, especially with people, as I just said, making sure they don't outlive their money, making sure they're not paying too much in taxes. I mean, that's really what people are paying us to help them do. I mean, we will help them calculate their social security and their healthcare costs and whatnot. And then D; is trying to make sure that if we are trying to get them between 4 and 5%, that we're not overly exposed in their type of risk. So all of these lend themselves to the stuff that we do. Actually, all of the questions do really, but that number five is really what people are after us to help them with.   Marc: Gotcha. Yeah, and I think at the end of the day, really just like school, if you think about it, the more you study your financial picture and understand the pieces, hopefully the better the outcome's going to be. But the good news is you don't have to go it alone. You can definitely turn to some help. And obviously, this is a profession that's been around a while, people helping folks get 2 and 3 retirement. You want to do your homework and your due diligence to find the right person for you, but that's why so many advisors, Tony, like yourself offer those consultations and conversations complimentary to get things rolling a little bit, usually the first couple of ones actually, to see if it's the right fit. So if you need help, get onto the calendar. Reach out to Tony and his team at yourplanningpros.com and go back to school, if you will. Now, don't worry, they don't assign a whole lot of homework, I don't think, Tony. It's pretty... He does most to the heavy lifting, but I guess you got to do a little homework on your own.   Tony Mauro: You have to do a little bit, yeah. I mean, the biggest thing for us with clients is helping them, and we try to make it as easy as possible, figuring out really what they've got going on in their financial life. And so we needed an insight. You've got to show us and tell us some things. We've got to gather data and so you do have to help us with that.   Marc: A little bit of homework. So not too bad though. So get on the calendar, come on in, have a conversation. Yourplanningpros.com, yourplanningpros.com or call 844-707-7381, 844-707-7381. Tony, thanks for hanging out as always, playing our game with us. We appreciate it. And folks, don't forget to subscribe to us on Apple or Spotify or whatever podcasting app you enjoy using so that you can plan with the tax man. And we'll see you next time. Thanks, Tony.   Tony Mauro: Okay, take care.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Evandro Bezerra, MD As CAR T-cell therapy advances, so does the complexity of adverse event monitoring. Due to evolving insights into acute toxicities, infections, cytopenias, and secondary malignancies, both inpatient and outpatient care models are adapting to meet new standards. Joining Dr. Charles Turck to discuss practical strategies and emerging tools for managing post-CAR T toxicities across the continuum of care is Dr. Evandro Bezerra, Clinical Assistant Professor at Ohio State University Comprehensive Cancer Center in Columbus.

In a world where friendship costs roughly $250/month for Gen Z and millennials and nearly 60% say social spending impacts their financial goals, how do we balance wallets and relationships? Roger and Elias discuss how money dysmorphia is impacting our finances and what we can do to stay on track and find balance in our lives. 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: Peter Buch, MD, FACG, AGAF, FACP Guest: Neena Abraham, MD, MS Knowing how to manage anticoagulants and antithrombotics during acute GI bleeding is essential in preventing avoidable complications, including thromboembolism and delayed hemostasis. Dr. Peter Buch sits down with Dr. Neena Abraham to discuss the latest recommendations from major GI and cardiology societies and explore practical strategies for anticoagulant reversal, triage criteria, and endoscopic hemostasis. Dr. Abraham is a Professor of Medicine and the Medical Director of the Cardiogastroenterology Clinic at the Mayo Clinic in Phoenix.

Host: Brian P. McDonough, MD, FAAFP Guest: Mylynda Massart, MD, PhD Given its ability to identify universal cancer signals across multiple tumor types, multi-cancer early detection (MCED) testing is emerging as a promising tool to complement traditional, single-cancer screening methods. Joining Dr. Brian McDonough to share practical strategies for introducing MCED testing into clinical workflows and enhancing patient engagement is Dr. Mylynda Massart. Not only is she an Associate Professor at the University of Pittsburgh School of Medicine, but she's also the Founder and Medical Director of the Primary Care Precision Medicine Clinic and Associate Director of Clinical Services for the Institute for Precision Medicine at the University of Pittsburgh Medical Center.

Host: Brian P. McDonough, MD, FAAFP Guest: Marie Wood, MD Traditional cancer screening has always focused on individual organs, but now, multi-cancer early detection (MCED) tests are changing that paradigm. By analyzing multiple biomarkers through a single blood draw, MCED testing can detect signals from a variety of cancers—many of which currently lack effective screening tools. These multi-biomarker approaches not only outperform single-marker tests, but also demonstrate scientific rigor and clinical utility. Still, challenges remain, including false positives and integration with standard screening protocols. Joining Dr. Brian McDonough to explore the rationale for using a multi-biomarker approach to MCED testing is Dr. Marie Wood, Professor of Medicine at the University of Colorado School of Medicine and Medical Director of the Hereditary Cancer Program at the CU Cancer Center.

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.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Forat Lutfi, MD Guest: Nilanjan Ghosh, MD, PhD For patients with relapsed/refractory large B-cell lymphoma, timely access to CAR T-cell therapy can be life-saving, but communication gaps between referring physicians and CAR T centers can lead to delays or missed opportunities. Fortunately, practical strategies like building strong referral networks, improving direct communication, and aligning on shared care responsibilities can streamline access and improve outcomes. Joining Dr. Charles Turck to share their insights on how we can bridge these communication gaps are Drs. Forat Lutfi and Nilanjan Ghosh. Dr. Lutfi is an Assistant Professor of Hematologic Malignancies and Cellular Therapeutics at University of Kansas Medical Center, and Dr. Ghosh is a Professor of Cancer Medicine at the Wake Forest University School of Medicine in Charlotte, North Carolina.

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.

Fibrodysplasia ossificans progressiva (FOP) is a severely disabling myopathy in which extraskeletal bone forms and accumulates over time within muscles and soft tissues.1,2 Here's what we know so far about the mechanisms of heterotopic ossification in patients with FOP. References: Kaplan FS et al. Best Pract Res Clin Rheumatol 2008;22:191–205. Pignolo RJ et al. Orphanet J Rare Dis 2011;6:80. © 2025 Ipsen Biopharmaceuticals Inc. All rights reserved. ALLSC-US-001927 | August 2025

Retirement is often imagined as a season of freedom and fulfillment—but reality doesn't always line up with expectations. In this episode of Behind The Wealth, we explore surprising insights from recent studies on how retirees' actual experiences differ from workers' assumptions. We'll unpack: The mismatch between retirement expectations and reality  Why many retirees face unexpected challenges with income, healthcare costs, and lifestyle changes How to create a retirement plan that allows you to enjoy your savings without fear Strategies to balance longevity with living the retirement you've worked so hard for 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.

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Think Roth conversions are just for the ultra-wealthy? Think again. In this episode of The Retirement Key, Joshua Barbin breaks down what Roth conversions really are, why timing is everything, and how they can help retirees manage future tax burdens. From tax brackets to RMDs, this is a strategic look at turning taxable savings into tax-free legacy planning—without the jargon. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Host: Charles Turck, PharmD, BCPS, BCCCP Guest: Jacqueline Wong, MD, MSCR, FACOG For patients with endometriosis, treatment delays can profoundly impact both quality of life and clinical outcomes. Proactive strategies that address logistical barriers—such as prior authorizations—combined with education and multidisciplinary support are essential in improving care. Join Dr. Charles Turck and Dr. Jacqueline Wong as they explore practical approaches for managing this complex condition and navigating potential hurdles. Dr. Wong is a minimally invasive gynecologic surgeon and an Assistant Professor of Obstetrics and Gynecology in the School of Medicine at Oregon Health and Science University in Portland.

In this conversation, Nathan Fort explores the evolving landscape of retirement planning, questioning traditional financial advice in light of modern economic realities. Nathan discusses the implications of mortgage management, the pros and cons of downsizing, the impact of inflation on retirement income, and the importance of having a clear financial strategy. Through various scenarios, he emphasizes the need for personalized planning to ensure financial security and confidence in retirement. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

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

Host: Jennifer Caudle, DO Guest: Johanna Finkle, MD, FACOG As GLP-1 therapies grow in popularity for weight management and diabetes, an unexpected consequence has emerged: a rise in unplanned pregnancies due to reduced oral contraceptive effectiveness. Dr. Jennifer Caudle sits down with Dr. Johanna Finkle, a weight loss specialist and OB/GYN at the University of Kansas Health System, to explore the mechanisms behind this trend and outline practical, long-acting contraceptive alternatives that maintain efficacy during GLP-1 use.

Ever feel like the financial advice you hear just doesn't quite fit you? That's because it probably doesn't. In this episode, Roger and Elias unravel why generic guidance often falls short and discuss what to watch out for as you plan for or enter retirement.  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.

On this edition of Retire Fit Radio with Nathan Fort, we will go over money moves to consider for your retirement. We will also highlight areas to be cautious of as you plan for your retirement. We will talk about the importance of saving, but also the role investing plays in retirement. Liquidity vs growth and will spend time on this today. Planning until the end is vital, and many seniors are falling short. We'll discuss what you can do. Phased retirement is a "thing" and we will dive in on the subject If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

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.

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.

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