Podcasts about rollovers

Tait Duryea and Ryan Gibson sit down with Mat Sorensen of Directed IRA to tackle one of the most common investor questions: Who do you actually trust when investing in alternative assets? The conversation breaks down how to vet operators, assess risk, understand leverage, and use self-directed retirement accounts responsibly. Mat shares real-world insight from seeing thousands of deals flow through his firm, explains why advisors often avoid alternatives, and outlines practical rules for due diligence, alignment, and saying no to bad opportunities.Mat Sorensen is a nationally recognized authority on self-directed retirement investing and the CEO of Directed IRA. A tax and business attorney with over 20 years of experience, Mat has helped thousands of investors use IRAs and 401(k)s to invest in alternative assets like real estate, private equity, and startups. He is the author of The Self-Directed IRA Handbook and co-hosts educational events and podcasts focused on empowering investors to take control of their retirement capital.Show notes:(0:00) Intro(0:29) Understanding investment risk(4:54) What custodians do and don't do(6:01) Why advisors avoid alternatives(9:09) How wealthy investors allocate capital(13:55) What you pay a self-directed custodian for(18:16) The “bring your own deal” reality(25:05) Identifying an operator's real edge(33:07) Debt as the biggest risk factor(48:28) Learning when to say no(51:57) OutroConnect with Mat Sorensen:Website: https://directedira.com/ YouTube: https://www.youtube.com/@MatSorensen/videos Learn more about: Alternative Asset Investor Summit - https://altassetsummit.com/ Episodes Mentioned:1. #124 - $44 Trillion and the Future of Retirement Investing with Mat Sorensen2. #110 - The IRA Club Advantage: The Self-Directed IRA Strategy for Pilots with Ramez Fakhoury 3. #36 - Decoding the Untapped Potential and Complex World of Self-Directed IRAs with Derreck Long 4. #9 - Demystifying IRAs: Transfers Vs. Rollovers with Carrie Cook —If you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com *Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

529 college savings plans are a favorite tool for families looking to fund education, but recent updates have made them even more compelling. With the passing of the One Big Beautiful Tax Act in 2025, there have been some exciting changes to what you can use 529 funds for, including expanded coverage for K-12 tuition, test fees, vocational programs, and support for learning differences. I also discuss the various tax advantages of contributing to a 529 plan, like state tax deductions, tax-deferred growth, and even the ability to roll leftover funds into a Roth IRA for your child. He offers real-life examples, highlights differences across state plans, and gives practical tips on maximizing your savings and tax benefits as the year wraps up. If you're looking to make the most out of your child or grandchild's future education while being smart about your finances, this episode is packed with must-know information.  You will want to hear this episode if you are interested in... [00:00] 529 Plan updates and expansions. [06:48] 529 Plans: taxes and benefits. [08:02] 529 Plan tax-free growth. [09:55] Investment considerations for 529 plans. [13:49] New rules on 529-to-Roth IRA rollovers. The Expanded 529 Universe Most people know 529 plans are great for covering college tuition, room and board, and required fees. The One Big Beautiful Tax Act of 2025 has expanded what 529 distributions can cover, opening up a wider range of education-related expenses, including much earlier in a student's academic journey. Newly Eligible Expenses: K-12 Tuition: The annual limit for K-12 tuition expenses jumps from $10,000 to $20,000 in 2026. Test Fees and Credentialing: You can now use 529 funds to pay for standardized testing, college entry exams, and vocational credentialing programs. Homeschool & Specialized Support: Structured homeschool curricula, academic tutoring, therapies, and materials for diagnosed learning differences (including ADHD) are now eligible. Apprenticeships & Educational Equipment: Costs for apprenticeship programs and special technology or learning tools can now be covered. However, there are still some limitations: transportation, school-purchased health insurance, and extracurricular activity fees remain ineligible. State Tax Deductions The state tax deduction is a unique benefit offered by many states for 529 contributions, but often families overlook this: over 30 states offer a tax break, but the rules vary. In Connecticut, for example, you can deduct up to $5,000 per person or $10,000 per couple from your state taxable income. You must usually contribute to your own state's plan (though states like Arizona, Kansas, and Pennsylvania allow deductions for out-of-state plans). Be mindful of year-end deadlines, contributions must be made by December 31st to claim the deduction for that year. Even if your state benefit is modest, it's essentially "free money" for doing something you're likely planning anyway. Student Loan Repayment and Rollovers to Roth IRAs 529 plans now offer more flexibility, even if the intended student doesn't use all the funds for education. Student Loan Repayments: Up to $10,000 (lifetime) per beneficiary can be used to pay down qualified student loans, helping recent grads reduce their debt burden. Roth IRA Rollovers: As of recent law, up to $35,000 can be rolled from a 529 plan to a Roth IRA for the beneficiary, provided the 529 is at least 15 years old, the money isn't a recent contribution, and the beneficiary has earned income. This can be an incredible jumpstart for retirement savings if college funds aren't fully used. All 529 plans are not created equal. Look for low-cost, direct-sold plans rather than advisor-sold plans that carry extra commissions. Every dollar saved on fees is another dollar that can grow tax-free in your account. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Investments Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

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Build your million dollar studio plan with me LIVE this week: https://bit.ly/p-2026-million-dollar-studio If I opened your numbers this week, would they show a calm, composed operator - or someone flying the plane on feelings? Because here's the truth: business isn't magic, it's maths. In this episode, we give you the exact model to hit the million-dollar run rate in 12 months - without the burnout, the guesswork, or the fluff. We'll show you the weekly targets, the order to install them, and the mindset to stick with it long enough for compounding to kick in. Here's what we're covering: The 21 → 7 → 80% → 5 − 2 = Net 3 weekly formula that gets you to $1M Why holding a “Net 3” for 50 weeks (the Green Line) changes everything The success sequence: leads → sales → rollovers → retention (don't do it out of order) Problems vs projects—how to sit with the real constraint until it's solved Running the business strategically (not emotionally): be the composed pilot Building the dream team and tracking LER 2–3 so your growth is profitable Owner hours: forced vs optional—and why freedom requires a real handover … and a whole lot more Chapters: ⏳ [00:00] Cold Open: Business Isn't Magic - It's Maths ⏳ [01:08] Life & Drama Updates: Hawaii Vision, MDS Pro Launch ⏳ [03:43] Manager School & Content Room: Closing Team Gaps ⏳ [08:12] The Million-Dollar Model: 5–7 Numbers You Need ⏳ [10:09] The Formula: 21 Leads → 7 Sales → 80% Rollovers → 5 − 2 = Net 3 ⏳ [11:01] From 150 Members To $1M: Hold Net 3 For 50 Weeks ⏳ [13:41] Success Is In The Sequence (Install In Order) ⏳ [16:26] Why Most Studios Don't Make It: Consistency & Composure ⏳ [22:25] Face The Facts: Track Numbers Weekly & Win The Week ⏳ [26:15] Turning Pro: Choose Your Hard & Stay The Course ⏳ [34:34] Compounding: Don't Quit Before The Stack Hits ⏳ [37:53] Bonus Metrics: LER 2–3 & Owner Hours (Freedom Test) ⏳ [41:05] Your Duty: Stay Open & Serve Your Community Keen to chat to our team about building a $1M dream business and life? Go Here: https://bit.ly/4kZSlya Want to SCALE your business and generate more LEADS? Go Here: https://bit.ly/4kZSlya Want to LEARN proven systems to grow your business without burnout? Go here: https://bit.ly/44XoX5w Connect with us: My website: ⁠https://thegeronimoacademy.com ⁠ IG Geronimo: ⁠https://www.instagram.com/thegeronimoacademy⁠ IG Hey.Doza: ⁠https://www.instagram.com/hey.doza⁠ LinkedIn: ⁠https://au.linkedin.com/in/andrewhandosa⁠

After a stretch of record highs, the markets finally caught their breath. This week's Money Wise explores what happens when momentum meets resistance, from the S&P 500's test of its 50-day moving average to the market's sharp recovery after a late-week rally. The Money Wise guys discuss how short-term volatility often signals strength, not weakness, in a bull market, and why a healthy pause helps prevent the market from overheating. The conversation also turns to investor sentiment, which remains surprisingly negative despite strong year-to-date gains. The team highlights recent data showing all-time-high cash levels in money market funds,  a sign that many investors are still on the sidelines. Meanwhile, the crew explains how these cautious attitudes, paired with robust fundamentals, could lay the groundwork for future gains once confidence catches up to performance. The 50-Day Test  When analysts talk about the 50-day moving average, they're referring to a technical benchmark that smooths out market fluctuations by averaging closing prices over the past 50 trading days. It often acts as a “line in the sand” between short-term strength and weakness. When an index like the S&P 500 dips below this level, it can trigger concern that momentum is fading, but holding above it or quickly rebounding, as we've seen recently, often signals underlying resilience. For investors, these tests aren't warnings to panic but reminders to stay focused on long-term strategy rather than short-term noise. In the second hour, the Money Wise guys dive into all things 401(K) Rollovers. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

#ThisMorning #Retirement | #RolloverCentral: #Safe, #Secure, and #Efficient #Participant #IRA #Rollovers | Jonathan Wolff, SS&C Technologies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

Your 401(k) is going to take some thought and effort in retirement. Do you rollover to a personal IRA? What is an RMD and what do you need to know? Am I headed for a tax problem? Let’s get you the answers. Like this episode? Hit that Follow button and never miss an episode!

In this episode of the Retirement Made Easy podcast, I delve into 401(k)s: how they work, why they matter, and how to maximize their benefits. I break down the basics in simple terms, just like I always aim to do, because retirement planning shouldn't be confusing. I discuss the differences between good and not-so-great 401(k) plans, the pros and cons of keeping your money in a 401(k) versus rolling it into an IRA, and how changes in providers can impact your investment options. I also share a helpful government site for tracking down old retirement accounts and explain why Roth conversions might be worth considering. My goal is to help you take control of your financial future with clarity and confidence. You will want to hear this episode if you are interested in.... (00:00) Intro. (00:27) Overview of 401(k) Plans. (01:40) Resources and Services Offered. (02:48) Deep Dive into 401(k) Plans. (05:13) 401(k) Rollovers and Conversions. (10:53) Employer Contributions and Vesting. (19:52) 401(k) Loans and Company Stock. (22:58) Mega Backdoor Roth and Final Tips. Smart 401(k) Moves: What to Know About Matching, Vesting, and Rollovers I will explain how Roth conversions can be done while you're still working or after retirement, depending on your 401(k) plan's rules. Not all plans allow them, and some require a hefty 20% tax withholding, which could be a drawback. I also break down how employer matching works (some companies offer generous matches, others offer none, and vesting schedules determine how much of that match you actually get to keep). I stress the importance of checking your vesting status before leaving a job. Then I dive into profit-sharing, which can be even more valuable than matching, but it's never guaranteed. I clarify a common misconception: rolling over funds from an old 401(k) or IRA into your current 401(k) won't earn you a match. Finally, I talk about the pros and cons of rolling old 401(k)s into either your current plan or a rollover IRA. Personally, I favor rollover IRAs for their flexibility, investment freedom, and ease of Roth conversions. Unlocking 401(k) Opportunities and Avoiding Pitfalls I caution listeners about 401(k) loans. If you retire or get laid off, that loan must be repaid quickly, or it becomes taxable. Once you leave your employer, you can't take out new loans from your 401(k) or IRA. I also touch on company stock in your 401(k); if you have a large concentration, talk to your financial planner about a tax strategy called net unrealized appreciation (NUA), which could work in your favor. Additionally, I introduce the "mega backdoor Roth," another beneficial strategy that allows high earners to contribute beyond the standard limits if their plan permits it (up to $70,000 annually). Not all plans allow this, but it's worth asking.  I also share my frustration that there's no standardized way to compare 401(k) plans across companies. The best thing you can do is request your plan summary document and review it with a fiduciary advisor. Lastly, I offer a tip: some employers let you use unused vacation or PTO payouts as 401(k) contributions, which could help reduce your tax bill. It's a smart move to look into before you retire. Resources & People Mentioned 3 Steps to Retirement Planning FIVE 401(k) Secrets You Must Know Retirement Savings Lost and Found Database | Employee Benefits Security Administration Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

This week on Money Wise, the team digs into a strong performance on Wall Street - with the Dow up 1.6%, S&P 500 up 1.7%, and NASDAQ climbing 2.1%, while discussing the market's ongoing resilience in the face of widespread investor skepticism. Despite impressive year-to-date gains across major indices, investor sentiment remains unusually negative, a disconnect that could actually fuel future growth once optimism catches up. Kyle uses his “Mount Everest” analogy to remind listeners that bull markets need pauses to stay healthy, emphasizing that pullbacks are normal and even necessary for long-term momentum. Jeff and Joe weigh in on volatility and investor behavior, noting that market corrections in the 7–12% range are part of any sustainable rally. Louie references recent Fundstrat research showing it's rare to see such strong market returns alongside negative sentiment, a setup that historically precedes continued gains. The team also highlights a staggering $7.6 trillion sitting in money market funds, suggesting there's still plenty of cash waiting to reenter the market. Between skeptical investors and cautious fund managers, this “dry powder” could become a powerful force for further upside once confidence returns. When Negativity Meets a Bull Market While sharp price swings can feel uncomfortable, volatility is a sign of a functioning, responsive market. It reflects investor reactions to new data, earnings results, policy shifts, or economic reports, and helps prices find their true value over time. Without these fluctuations, markets risk becoming complacent or inflated, setting the stage for more severe corrections later. Volatility also serves a purpose in maintaining long-term market health. It encourages investors to reassess positions, reprice risk, and avoid herd mentality. When markets pull back, they often flush out speculative excess and create new entry points for disciplined, long-term investors. In this way, volatility acts as a “pressure valve,” releasing tension before it builds into instability. In the second hour, the Money Wise guys dive into all things 401(K) Rollovers. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

This week, the Money Wise guys review a quieter stretch for Wall Street, with all three major indexes slightly down. The Dow is off 68 points (-0.1%), the S&P 500 is down 21 points (-0.3%), and the NASDAQ down 147 points (-0.7%). Despite the dip, year-to-date numbers remain strong: Dow up 8.7%, S&P up 13%, and NASDAQ up 16.4%. The big focus was Friday's Personal Consumption Expenditures (PCE) report, which came in line with expectations at 2.9% core inflation year-over-year. While inflation remains “sticky,” the guys emphasize that dire predictions about tariffs causing runaway inflation haven't materialized. They also revisit April's “Liberation Day” selloff, pointing out that their decision not to sell, and even to buy during the dip, has proven wise, as April 8 may stand as the market low of the year. The discussion also highlights how volatility this year has matched expectations, but downturns like this week's have mostly drawn out “doom and gloom” commentary rather than lasting market damage. They caution listeners not to get spooked by exaggerated comparisons to past bubbles, especially with markets still near record highs. Sticky Inflation Sticky inflation was a big theme in this week's episode, especially as the crew dug into the latest Personal Consumption Expenditures (PCE) data. While the headline numbers came in right on expectations, the fact that inflation is still running at 2.9% year-over-year shows that it hasn't fallen quickly back to the Fed's 2% target. As the team pointed out, this “stickiness” doesn't necessarily stem from tariffs, as the financial press often claims, but from the service side of the economy, areas like housing, healthcare, and everyday services that don't adjust as easily as goods prices. For investors, it means the Federal Reserve may feel compelled to keep rates higher for longer, even if some market voices argue for cuts. The takeaway: while markets rallied earlier this year on hopes of easing inflation, the persistence of sticky inflation keeps monetary policy and volatility in the spotlight. In the second hour, the Money Wise guys dive into all things 401(K) Rollovers. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

In this episode of Money Meets Medicine, Dr. Jimmy Turner and Justin Harvey answer listener-submitted questions about what to do with your money when you switch jobs or retire. Topics include:• Old Employer Plans: Should you roll over a 401(k)/403(b) to your new employer plan, leave it, or move it to an IRA? They explain how each option impacts your ability to do backdoor Roth IRAs.• Home Savings Strategy: Tips for physicians saving for a home purchase—where to park cash for 6–12 months without missing growth potential.• Solo 401(k) vs. SEP IRA: For side gig income, they break down which one gives you better Roth conversion flexibility.• Financial Advisor Red Flags: The duo calls out one especially egregious example of poor advisor behavior—and what every doctor should watch out for.• Extra Pro Tips: Including why not all Roth accounts are created equal, how to simplify your accounts in retirement, and the best ways to avoid “analysis paralysis” when making account moves.This episode is packed with tactical advice and practical insights for physicians navigating career transitions, early retirement, or side income.Get a quote on own-occupation disability insurance from a company you can trust at https://moneymeetsmedicine.com/disability Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jim and Chris discuss listener questions on IRMAA reductions and Roth-conversion effects, widow filing status and IRMAA, in-kind stock Roth conversions and RMD transfers, annuity RMD interactions, and 60-day rollover mail timing. (7:45) George asks whether an approved SSA Form 44 that reduced 2025 IRMAA will also govern next year, how a large 2026 Roth […] The post IRMAA, Widow Status, Roth Conversions, Annuity RMDs, and Rollovers: Q&A #2538 appeared first on The Retirement and IRA Show.

#ThisMorning #Retirement | #RolloverCentral: #Safe, #Secure, and #Efficient #Participant #IRA #Rollovers | Jonathan Wolff, SS&C Technologies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

What if your federal pension is small and you're not relying on it—should you still elect survivor benefits? In this episode, John and Tommy respond to a listener's detailed YouTube question about pensions, TSP, and survivor benefits when service time is short and other retirement savings are strong. They break down the real value of keeping survivor benefits, even when your pension isn't your main income stream. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn:  LinkedIn John Mason: LinkedIn Federal Employees - DO NOT Decline Survivor Benefits! 

There are a record number of people turning 65 this year and they are wondering if they are ready to retire. Charisse goes through her list to give you the green light. Like this episode? Hit that Follow button and never miss an episode!

With so much market noise and doom-filled headlines, you might be wondering — is now actually a good time to invest? In today's episode, we break down six compelling reasons why today could be the best day to start your investing journey.

What is the number one cause of farm-related fatalities? Brian Scheid returns to join hosts Jeff Jarrett and Sal Sama for this episode of The High Ground powered by Premier Companies!  As you may remember, Brian is the Director of HR and Environmental Health and Safety for Premier Companies.Jeff, Sal, and Brian will cover a variety of farm-related safety topics including equipment safety, and Brian will dig into leading causes of fatalities including why tractors are prone to rollovers.  From power takeoff (PTO) injuries to driving on the road, grain bin safety, and lockout/tagout (LOTO) procedures, you'll learn about several of the basics to be aware of around the farm. “The main thing is just being aware.  I think everybody gets in a hurry and tries to multitask… you just can't do that.” 

What is the number one cause of farm-related fatalities? Brian Scheid returns to join hosts Jeff Jarrett and Sal Sama for this episode of The High Ground powered by Premier Companies!  As you may remember, Brian is the Director of HR and Environmental Health and Safety for Premier Companies.Jeff, Sal, and Brian will cover a variety of farm-related safety topics including equipment safety, and Brian will dig into leading causes of fatalities including why tractors are prone to rollovers.  From power takeoff (PTO) injuries to driving on the road, grain bin safety, and lockout/tagout (LOTO) procedures, you'll learn about several of the basics to be aware of around the farm. “The main thing is just being aware.  I think everybody gets in a hurry and tries to multitask… you just can't do that.” 

Joyce Marter didn't just build a therapy business—she survived betrayal, took on millions in debt, and still managed a seven-figure exit. In this episode, she gets brutally honest about the moment her co-founder quit by email (and CC'd the staff), how she rebuilt from financial rock bottom, and the mindset shifts that helped her turn chaos into a multimillion-dollar win. If you've ever felt like you're drowning while everyone else thinks you're thriving—this one's for you.   Chapters: 01:22 – Building a Therapy Empire with $500 03:44 – Scaling Fast… and Falling into Cashflow Hell 07:02 – The Shocking Co-Founder Exit (via Email!) 09:15 – Half the Staff Walks Out — Now What? 11:00 – Asking for Help and Facing the Truth 12:30 – “Your Business Is Worth Seven Figures” 14:05 – Restructuring: The Office Manager Problem 15:44 – Mindset Work and the Power of Meditation 17:10 – Using Therapy Tools to Fix Financial Trauma 18:56 – Scarcity Mindset Rooted in Family History 21:00 – The Road to Exit: Vision Boards and Vetting Buyers 23:08 – Rejecting the Sexiest Deal (and Why It Paid Off) 25:20 – Three Paydays: Equity, Rollovers, and More 26:56 – Refusing Last-Minute Terms — Even at 7 Figures 29:10 – How to Truly Shift Your Financial Mindset 32:00 – Why Money Is About Flow, Not Fear 34:18 – Intergenerational Financial Trauma is Real 36:00 – Final Advice and How to Learn from Joyce

Today we are back to our most asked about topic: Roth. We answer a question about rollovers, then we talk about Mega Backdoor Roth and then the regular backdoor Roth and the pro rata rule. We then switch gears and talk about high yield dividend funds and answer a question about asset allocation and asset location. We end the episode talking about what to do if you are averse to the S&P500 including Coinbase. Laurel Road is committed to serving the unique financial needs of residents and doctors. We want to help make your money work harder and smarter. If credit card debt is weighing you down and you're struggling with monthly payments, a personal loan designed for residents with special repayment terms during training may be exactly what you need to consolidate your debt. Check your rates in minutes to see if you qualify for a lower rate, plus, White Coat Readers also get an additional rate discount when they apply through https://LaurelRoad.com/WCI. For terms and conditions, please visit https://www.LaurelRoad.com/WCI. For terms and conditions, please visit https://www.LaurelRoad.com/WCI. Laurel Road is a brand of KeyBank N.A. Member FDIC. All products are offered by KeyBank N.A. Member FDIC. ©2025 KeyCorp® All Rights Reserved. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In today's episode, I'm diving into a topic that's top-of-mind for anyone who's switched jobs: what should you do with your old 401(k) plan? I discuss five key reasons why moving them into an IRA could simplify your financial life, from consolidating accounts for better control to gaining access to a broader range of investment options, reducing fees, optimizing Roth and after-tax funds, and making it easier to work with a financial advisor.  Whether you're planning your next career step or just want to make your retirement savings work harder for you, this episode is packed with practical advice to guide your decision. Stick around until the end, and don't forget to tune in next week when I cover situations where rolling over your 401(k) might not be the best choice! You will want to hear this episode if you are interested in... [00:00] Vested retirement funds offer four options: keep them in the plan, or withdraw and pay taxes [04:46] Rolling over a 401(k) to an IRA offers more control and access to your retirement funds, preventing forgotten accounts as you change jobs [06:41] Consolidate investments for simplicity and control; update records if keeping old retirement accounts [12:05] Convert Roth contributions to a Roth IRA to start the five-year period and ensure future gains grow tax-free, especially for after-tax funds in a 401(k) without in-plan Roth conversions [13:13] Rollovers to an IRA can facilitate Roth conversions and allow financial advisors to manage retirement accounts. Consolidate Old 401ks for a Smoother Future When you change jobs, it's important not to leave your old retirement accounts behind. For many Americans, the primary vehicle for saving for retirement is their employer-sponsored 401(k) plan. But what should you do with that 401(k) once you've moved on? Rolling it into an Individual Retirement Account (IRA) may be the smart move, offering control, flexibility, potential cost savings, and tax advantages. Let's walk through five compelling reasons why a 401(k) rollover into an IRA might make sense for you. 1. Greater Control and Account Consolidation One of the biggest headaches of changing jobs multiple times is having various retirement accounts scattered across different institutions. Not only is it difficult to keep track of these accounts, but there's the risk that you might forget about them entirely. By rolling old 401(k)s into a single IRA, you consolidate your investments, making it easier to manage and monitor your retirement savings. With all your funds in one place, you'll have more control over your asset allocation and will be better positioned to implement a cohesive investment strategy. Additionally, consolidating accounts reduces the administrative burden of managing multiple logins and statements. 2. Expanded Investment Choices and Flexibility Most employer-sponsored 401(k) plans offer a fairly limited menu of investment options, typically ranging from a dozen to twenty funds. These may or may not align with your preferred asset allocation strategy, and some plans are more limited than others. By rolling over your 401(k) into an IRA at a major discount broker like Schwab, Fidelity, or Vanguard, you unlock a much broader universe of investment possibilities, mutual funds, exchange-traded funds (ETFs), stocks, bonds, CDs, and more. This flexibility lets you fine-tune your portfolio, properly diversify, and better tailor your investments to your risk profile and retirement timeline. 3. Potential for Lower Investment Costs 401(k) plans, particularly those from smaller employers, often feature higher administrative and fund expenses, sometimes reaching 1% or more in annual fees. These extra costs chip away at your investment returns over time. With an IRA, especially when investing in low-cost ETFs or mutual funds, you can often significantly reduce the expense ratios you pay. Over decades, even a modest reduction in annual fees can translate into thousands more in retirement savings due to the power of compounding. 4. Managing Roth and After-Tax Contributions Many 401(k) plans now offer a designated Roth component as well as avenues for after-tax contributions. When you roll over your account, this is a valuable opportunity to ensure your Roth and after-tax money are treated with optimal tax efficiency. For example, rolling Roth 401(k) funds into a Roth IRA starts the five-year clock for tax-free withdrawals on earnings, which is critical for planning your retirement withdrawals. Additionally, an IRA rollover can be structured to split after-tax contributions into a Roth IRA, giving those funds tax-free growth potential rather than the more limited advantages offered inside the 401(k). 5. Access to Professional Management If you want professional help managing your retirement investments and financial planning, rolling your assets into an IRA is almost always a prerequisite. Advisors generally cannot manage assets held within a former employer's 401(k) platform, but with funds consolidated in an IRA at a major custodian, they can actively manage your investments, make ongoing adjustments, and assist with tax planning and distributions as you transition into retirement. Assess Your Situation Before Moving While rolling over your old 401(k) to an IRA offers considerable advantages, it's not always the perfect solution for everyone. Each situation is unique, and certain protections or features (such as early withdrawal options or creditor protections) may be stronger inside a 401(k) for some individuals. Be sure to review your specific circumstances carefully, ideally, with a trusted financial advisor, before making any big moves. A well-considered rollover could make your road to retirement much smoother, giving you more control, lower costs, and better investment options along the way. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Schwab Fidelity  Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

We go through some of the mistakes people make when moving money from an IRA or 401(k) to a Roth. We also share a story of a 90-year-old who choose not to do conversions and is now in a tax nightmare. Like this episode? Hit that Follow button and never miss an episode!

On this episode: Should you be building up your cash reserves? The MVP of your Retirement plan. Things to watch out for in an IRA-to-Roth rollover. Like this episode? Hit that Follow button and never miss an episode!

The Moneywise Radio Show and Podcast Monday, May 19th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement Guest: Thomas Maxwell, Entrepreneur, Partner at Keathley, Maxwell & Antongiovanni, LLP, Business Owner, CPA & Much More website: www.kmallpcpa.com/  

 It was a strong week for the markets, with the S&P 500 posting solid gains, driven by upbeat economic data and a newly announced trade deal between the U.S. and the U.K. The April jobs report surpassed expectations, with steady unemployment, while the Federal Reserve held interest rates steady, citing caution amid shifting global conditions. We also dive into what it really means to work with a financial adviser—K.C. likens it to a financial root canal, digging into every aspect of your financial life to build a customized plan. Plus, if you're rolling over a 401(k), should you reinvest all at once or ease in with dollar-cost averaging? We break down the pros, cons, and emotions behind each strategy. And finally, fintech firms are offering flashy high-yield savings accounts—but are they too good to be true? We explore what's real, what's risky, and the questions you should ask before chasing higher returns. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — May 10, 2025  |  Season 39, Episode 19 Timestamps and Chapters 4:00: Solid week buoyed by trade deal and April jobs report 16:15: Engaging with a financial adviser 34:26: All in at once or dollar-cost average? 43:56: Fintech: Shaking up the savings game Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Wie geht man die Quartals- und Jahresplanung an und balanciert verschiedene Anforderungen?Für viele ist es ein langweiliges und notwendiges Übel. Für andere die beste Zeit des Jahres - Die Quartals- bzw. Jahresplanung. Firmen lieben es zu planen. Firmen lieben es, den Kunden neue Features zu versprechen. Produktmanager können endlich alles in die nächsten 3 Monate einordnen, dann wird das gemacht und die Welt ist wieder in Ordnung.Am Ende des Quartals fragt man sich dann aber: Wieso hat das alles so lange gedauert? Wieso haben wir für Feature X 2 Wochen geplant, aber es wurden 6 Wochen draus? Wieso werden wir bei der Software-Entwicklung langsamer und nicht schneller? Das ist ein bekanntes Bild in vielen Firmen, denn oft findet die Stimme der Software-Entwickler*innen keinen Platz in der Planung.Technical Debt abbauen? Machen wir nächstes Quartal. Was für die eigene Team-Produktivität tun, um manuelle Aufgaben zu automatisieren? Das lohnt sich nicht. Kleine Bugs, sogenannte Papercuts, fixen um die Power-User glücklich zu machen? Zu klein, machen wir nebenher. Software updaten? Das ist Keep The Lights On Arbeit und kann doch Ops machen. So oder so ähnlich trägt es sich alle 3 Monate in Firmen zu.In dieser Episode geben wir euch mal ein paar Leitfragen und ein spezifisches Framework an die Hand, wie man die Software-Entwicklungs-Ressourcen gut über das nächste Quartal balanciert, es genug Features in die Roadmap schaffen, aber auch Zeit für Tech Debt und Produktivitätsverbesserungen bleibt. Dabei klären wir, warum eine gewisse Planung eigentlich so wichtig ist, wer eigentlich immer die ganzen Anforderungen auf den Tisch knallt, was Over-Commitments und Rollovers sind, wie Ubuntu und Github mit Mission Papercut kleine Bugs zu einem großen Projekt gemacht hat aber auch warum eine Quartalsplanung in die Bereiche KTLO, Build New Stuff, Improve Stuff und Productivity eingeteilt werden sollte.Das Thema klingt trocken. Dennoch kann dies euch eine Stimme im Planungsprozess geben, damit ihr endlich mal Zeug aufräumen könnt.Bonus: Ist Jira das neue ERP-System?Unsere aktuellen Werbepartner findest du auf https://engineeringkiosk.dev/partnersDas schnelle Feedback zur Episode:

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world.Today's Stocks & Topics: Starting a Roth I-R-A, How Long to Hold an Investment, Rollovers, Social Security Withdraw, Dividends, Covered Calls, Options Trading, Moving Averages, Investing Factors, Stock Split, REIT Space, 457 Rollover, Low Contribution Limits, Tariffs, Covered Call Strategy, Foreign Stocks, Gas-Pipeline Producers, How Much Debt a Company Has.Our Sponsors:* Check out Kinsta: https://kinsta.comAdvertising Inquiries: https://redcircle.com/brands

The administration has named their nominee to lead the Federal Motor Carrier Safety Administration – someone with a law-enforcement background. Also, Congress hears plenty about trucking issues. But earlier this week, OOIDA's Lewie Pugh gave them truckers' points of view. And truckers are telling Marty Ellis about truck rollovers from recent high wind incidents, and the ongoing technology vs. training debate. 0:00 – Newscast 10:01– Pugh offers the facts on major trucking issues 24:27 – What we know about the FMCSA nominee 39:25 – Rollovers from high winds have truckers' attention

Financial Journalism Legend: Robert Powell, CFPIn this engaging conversation, financial journalist Bob Powell and Jae discuss critical topics on retirement planning, financial literacy, and how to navigate the complexities of investing and Medicare. Learn valuable insights from industry experts, understand the impact of ageism and AI on the workforce, and explore practical strategies for managing your financial future. Whether you're approaching retirement or just starting your financial journey, this video offers a wealth of knowledge to help you make informed decisions.In This Episode:00:00 Introduction: Bob Powell and Jae Discuss Retirement Insights05:00 Job Loss, Ageism, and White Collar Recession12:00 Retirement Confidence: Do People Feel Prepared?18:00 401(k) Rollovers and the Complexity of Managing Savings25:00 Financial Literacy Gaps: Are We Reaching Enough People?32:00 Gen Z and Millennials: How They Approach Investing38:00 The Role of Financial Influencers in Educating the Public45:00 AI and Financial Advice: Can Machines Guide Retirement Planning?52:00 Speculation vs. Investing: The Rise of Sports Betting Mentality58:00 Closing Thoughts: Financial Awareness and Next Steps

In this episode of the Directed IRA Podcast, Mark Kohler and Mat Sorensen break down the key steps to setting up and funding a self-directed retirement account. If you have an existing IRA, 401(k), or another retirement account and you're wondering how to transition into self-directing, this episode is for you.Mark and Mat discuss the importance of understanding what type of retirement account you already have, how to take inventory of your funds, and what options are available for rolling over or transferring assets. They also highlight common mistakes people make when assuming what kind of account they hold—and how to avoid them.Whether you're an investor looking to move into alternative assets like real estate, crypto, or private deals, or just want more control over your retirement funds, this episode lays out the mechanics you need to know.Tune in to get expert insights and actionable steps for taking charge of your financial future with a self-directed IRA.Learn how to take control of your retirement - https://directedira.com/Self-directed IRA Podcast - https://matsorensen.com/podcast/Shop my products - https://shop.matsorensen.com/ Blog & Articles - https://matsorensen.com/blog/Connect with Mat online:Instagram: https://www.instagram.com/matsorensen/Facebook: https://www.facebook.com/mat.sorensen.1LinkedIn: https://www.linkedin.com/in/matsorensen/TikTok: https://www.tiktok.com/@sorensenmat YouTube: https://www.youtube.com/@MatSorensenWebsites:https://directedira.comhttps://matsorensen.comhttps://kkoslawyers.comhttps://mainstreetbusiness.com Being a Tax Advisor is a lucrative opportunity...Learn more about Mark's Main Street Tax Pros ...

Send us a textThey do rock crawling a little different on Vancouver Island BC.  Because of the slippery rocks, they see a lot more rev limiter action and rollovers. Brady from Pathmaker Productions has been filming Island style rock crawling as well as rock crawling events all over North America for over 20 years. He also has one of the few, if the only, Nissan Pathfinder on 40's!Pathmaker ProductionsWebsiteYoutubeInstagramFacebook15% off Brightsource Lights with cod 4x4canada10% off TOC Supplies with code 4x4canada 10% off WildMedKits with code 4x4canada 10% off Afraid Knot Ropes with code 4x4canada23 10% off Miolle Gear with code 4x4 Make sure to check us out on Facebook and Instagram!

In episode 308 of the More Than Commas, Host Paul Adams is joined by Jeremy Ames to explore the Rollovers for Business Start-ups (ROBS) strategy, a unique funding option that allows entrepreneurs to use their retirement savings to launch or acquire a business without incurring penalties. Jeremy outlines the ROBS process, emphasizing the importance of forming a C-corporation and setting up a new 401(k) plan. He discusses compliance requirements and the roles of key parties involved, including Guidant Financials' support in navigating regulations.   Links: https://www.guidantfinancial.com/ https://www.guidantfinancial.com/401k-business-financing-robs-guide/ https://jeremyames.com/podcast/   ---   This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

This ER doc is back to broke only one year out of training. He decided to focus on investing and growing wealth instead of tackling his student loans. He refinanced before covid and got his loans locked in at a 2 1/2 percent interest rate, so he knew he could make more in the market. But don't worry he will have those loans paid off in only another 4 years. He is crushing the savings rate and will be a millionaire in no time. After the interview we will be talking about rollovers for Finance 101. Resolve is the #1 rated physician contract team, reviewing 1000+ physician contracts every year. They empower physicians with location specific compensation data which leads to unparalleled leverage during the physician contract negotiation process. A physician contract lawyer is included and can negotiate on your behalf – alleviating the stress that can go along with reviewing complex legal terms.  Flat-rate pricing and flexible schedules are designed for a physician's schedules. Visit https://WhiteCoatInvestor.com/Resolve and use code WHITECOAT10 for 10% off! The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Dave and Jon are back! On this episode, the guys give an AO tournament preview and talk through the draw! 2:25 AO Tournament Preview 10:12 Outrights 13:12 1st Quarter 19:27 2nd Quarter 25:25 3rd Quarter 28:29 4th Quarter 32:46 ML Rollovers

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world.Today's Stocks & Topics: Starting a Roth I-R-A, How Long to Hold an Investment, Rollovers, Social Security Withdraw, Dividends, Covered Calls, Options Trading, Moving Averages, Investing Factors, Stock Split, REIT Space, 457 Rollover, Low Contribution Limits, Tariffs, Covered Call Strategy, Foreign Stocks, Gas-Pipeline Producers, How Much Debt a Company Has.Our Sponsors:* Check out Fabric: https://fabric.com/INVESTTALKAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the world.Today's Stocks & Topics: Starting a Roth I-R-A, How Long to Hold an Investment, Rollovers, Social Security Withdraw, Dividends, Covered Calls, Options Trading, Moving Averages, Investing Factors, Stock Split, REIT Space, 457 Rollover, Low Contribution Limits, Tariffs, Covered Call Strategy, Foreign Stocks, Gas-Pipeline Producers, How Much Debt a Company Has.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join my Facebook group, Tax Strategies for Real Estate Investors, and become part of a community with 11,500+ high-level real estate investors ► Join here: ⁠https://www.facebook.com/groups/taxstrategyforinvestors⁠ In this episode, I discuss the five critical things to watch out for when switching jobs, whether transitioning between employers or moving from W2 to 1099 status. We explore essential considerations including COBRA insurance coverage, managing your 401(k) rollover options, and strategic tax planning opportunities during employment transitions. I also share valuable insights about Roth conversion opportunities during income changes and the important differences between W2 and 1099 employment benefits. Timestamps: 00:00:00 Intro 00:01:07 COBRA Insurance and Health Benefits During Job Transitions 00:01:55 Managing 401(k) Rollovers and Investment Options 00:06:02 Strategic Timing for Roth Conversions 00:07:17 Year-End Tax Projections and Social Security Considerations 00:09:34 W2 vs 1099: Benefits Analysis and Lending Implications Interested in working with me? Apply here: ► https://taxstrategy365.com/apply?el=podcast Let's connect! ► Instagram: ⁠https://www.instagram.com/learnlikeacpa/⁠ ► LinkedIn: ⁠https://www.linkedin.com/in/learnlikeacpa/⁠ ► Twitter: ⁠https://x.com/LearnLikeaCPA⁠ ► Facebook: ⁠https://www.facebook.com/learnlikeacpa⁠ ► Tiktok: ⁠https://www.tiktok.com/@learnlikeacpa⁠ *None of this is meant to be specific investment advice, it's for entertainment purposes only.

Nick Hopwood, leads his team of CFP's (Certified Financial Planners) at Peak Wealth Management, working with clients in nearly all 50 states to help them retire with peak confidence. Learn more about Nick at peakwm.com/gruber and claim your complimentary Social Security analysis as well as a roth conversion analysis.

Bettina's Fall/Winter 2024 Fall Fashion ShowOregon wins 32-31 over Ohio StateExploiting loophole in rules. NCAA to close loophole. In the National Football League, the clock reverts back to the original time on a 12-man penalty — that is not the case in college football.10 seconds to go. 3rd and 25. Put an extra defender on field. Then either:(a) Buckeyes make a play and decline penalty. Or (b) Penalty accepted, and 4 seconds off clock. Only 5 yds gained. Now only 6 seconds on clock and need 10-12 yds to make field goal more realistic. Time more important than yards. 529 Plans and MarketsFidelity or Vanguard. Done. Wealthfront: couldn't find the underlying portfolio holdings? Holdings are WAY too conservative. 6000/month &6% or 7&7. Gets you between $200-$250k. 529 Rollovers? Can't roll it all to a Roth. $35,000 lifetime. RoboTaxi - We-Robot EventElon key note. Stayed in LA at Burbank Hotel. Nice. Elevator operator analogy. Cyber Cab unveil. Below $30k. No wheels or pedals. Production in 2026 (optimistic). Inductive charging. No plug. Fully autonomous unsupervised FSD in CA and Texas in 2025. Model 3Van that can carry up to 20 people or packaging. OptimusServing drinks and interacting with everyone there. Rumor is some human involvement. My interaction with Optimus. Sub-optimalShould cost $20-30k. Still thinks it will be biggest product ever of any kind. Everyone will want an optimus “buddy”. Nvidia and XAI: Jensen Juang on Brad Gerstner Podcast. 100m AI assistants to aid his workforce. Jensen talking to Brad: https://x.com/ajtourville/status/1845481395625304331?s=51&t=YUkdoBz4yNifBaQlQUp3-g“Never been done before – xAI did in 19 days what everyone else needs one year to accomplish. “Easily the fastest super computer on the planet”. Normally 3 years to plan and 1 year to set up. That is superhuman – There's only one person in the world who could do that – Elon Musk is singular in his understanding of engineering.” From Pierre FerraguHiiveCan buy SpaceX and XaI there. Sometimes with major conditions, like annual fee and “carry” of 10-20%. Netflix Earnings: Strong. CryptoBest asset class returns in 5 and 10 years…not fair to go back further? How much to own? Why? And where to hold it/ how to invest in it? IBIT and ETHA.Tight correlation to underlying assets. Managed by iShares/ Blackrock, so probably good controls in place. Fees are reasonable.Recommendations:Wife: Citadel Diana on Amazon

Market Valuations Deep Dive, Extrapolating the Stats, and Prudence in September This week's show kicks off with a rapid-fire review of last week's numbers from Wall Street so let's jump right in. The Dow was up 0.6%, the S&P 500 was up 0.6%, and the NASDAQ - which has outperformed both the Dow and the S&P this quarter - was up 1.0%. YTD we see the Dow up 12.3%, the S&P 500 up 20.3%, and the NASDAQ up 20.7%. It's been a September to remember, since this time of year doesn't typically give us a positive month, especially for the Dow. The Money Wise guys admit their surprise and discuss which Fed moves may be helping the markets. Will this rally last in the long term? We simply don't know yet. However, we seem to be at very high valuations these days, and the Money Wise guys practiced prudence in the month of September. We're at High Market Valuations, Folks (Or Are We?) Let's discuss the market valuations aspect of what we've been seeing. We've been running above the 5- and 10-year averages from a historic perspective, and being overvalued can make many investors nervous. However, let's dig into current market valuations a bit deeper. Extrapolating the statistics and removing the Magnificent 7 from the market-cap weighted S&P 500, we see that the market is nowhere near overvalued. In fact, market valuations are below the 5- and 10-year averages. So, we continue to see how the Magnificent 7 is skewing the market valuations of the S&P when you look at valuation in totality. In the second hour today, the Money Wise guys discuss 401(k) rollovers. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

Bill has been in the financial services industry for over 20 years. His goal has been and remains to help his clients achieve their retirement goals, protect and grow their assets. Whether it is to leave a TAX FREE legacy TO THEIR LOVED ONE'S or to provide an income for life FOR THEMSELF AND THEIR SPOUSE. He takes pride in helping achieve your specific outcome.He is licensed in approximately 20 states and has protected over 250 Million Dollars in Assets. Unlike the bigger agencies he can provide a more personal level of attention and care. He looks forward to seeing you.Learn More: https://www.mcdowell-agency.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-bill-mcdowell-president-of-the-mcdowell-agency-discussing-401k-rollovers

Bill has been in the financial services industry for over 20 years. His goal has been and remains to help his clients achieve their retirement goals, protect and grow their assets. Whether it is to leave a TAX FREE legacy TO THEIR LOVED ONE'S or to provide an income for life FOR THEMSELF AND THEIR SPOUSE. He takes pride in helping achieve your specific outcome.He is licensed in approximately 20 states and has protected over 250 Million Dollars in Assets. Unlike the bigger agencies he can provide a more personal level of attention and care. He looks forward to seeing you.Learn More: https://www.mcdowell-agency.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-bill-mcdowell-president-of-the-mcdowell-agency-discussing-401k-rollovers

After a week off the Money Wise guys are back in the studio kicking things off with a recap of last week's numbers. The Dow Jones Industrial Average rose by 1,048 points (2.6%), the S&P 500 gained 218 points (4%), and the NASDAQ surged by 993 points (6%). Year-to-date, the Dow is up 9.8%, the S&P 500 is up 18%, and the NASDAQ is up 17.8%. The guys note that this strong rally came after a period of market correction, particularly in the NASDAQ. Despite September historically being a volatile month, this past week saw a significant rebound, with the NASDAQ posting its best week of the year. The Money Wise guys discuss recent economic data, such as the Consumer Price Index (CPI) and Producer Price Index (PPI), both of which came in line with expectations. They also highlight positive retail numbers and a dip in unemployment. Additionally, there was debate around the Federal Reserve's expected interest rate cut next week, with some market professionals suggesting a 0.5% cut instead of the anticipated 0.25%. The Money Wise guys generally agree that a 0.25% cut would be more prudent, given that inflation is cooling and the economy is still showing signs of strength. They also point out that the S&P 500 is nearing a crucial technical level and needs to break through and close above 5,670 to maintain its upward momentum. Federal Reserve's Upcoming Interet Rate Cut The Federal Reserve is expected to implement its first interest rate cut in a significant period, with speculation around whether the reduction will be 0.25% or a more aggressive 0.5%. Most analysts and market professionals are anticipating a 0.25% cut, as recent economic data, including positive retail numbers and cooling inflation, suggest the economy remains relatively stable. A 0.25% cut is seen as a cautious and measured approach, aimed at supporting continued growth without overstimulating the market. However, some market professionals have argued for a 0.5% cut, believing a larger reduction would more effectively boost economic activity. The Money Wise guys express concerns that a larger cut could signal too much concern about the economy and might trigger an adverse reaction from the market. In the second hour today, the Money Wise guys discuss 401(k) Rollovers. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

What are some of the biggest tax mistakes you should be avoiding when you file taxes? CPA Steven Jarvis has worked on thousands of tax returns. He focuses on helping people who have a long-term focus. He wants to make sure his clients only pay every dollar they owe and nothing more. It's not about getting a big tax return. It's about looking at the long-term picture and being proactive. We dig in and dissect the top tax mistakes you need to avoid in this conversation. You will want to hear this episode if you are interested in... [3:02] Making proactive choices to impact your taxes [4:47] Learning about the foreign tax credit [6:43] Rollovers from 401Ks to IRAs [11:01] Equity compensation and severance pay [13:07] Managing advanced charitable giving strategies [21:10] What you need to know about HSAs [26:32] Pay what you owe—and nothing more Rollovers from 401Ks to IRAs You'll likely roll over a 401K to an IRA only once or twice in your life. In theory, it should be simple—as long as the rollover is treated as a non-taxable event. It needs to be reported on a 1099-R form, which can be confusing. Tax-adjacent events go on your tax returns but you should not be taxed on them.  If you're working with a tax professional, you need to communicate that you're doing a rollover. Before the tax return is filed, make sure you look it over to see if your income changed. If it has—and it shouldn't have—a rollover being improperly filed may be the culprit.  Managing advanced charitable giving strategies A qualified charitable distribution (QCD) allows you to make a charitable contribution directly from an IRA to a charity. If you donate $1,000, you may save $200–$300 in taxes. If it's a charity that you care about, great. But if you're not charitably inclined, spending $1,000 to save $300 doesn't make sense.  But there are some other tax benefits. A QCD comes out of your income before your adjusted gross income is calculated. Why does that matter? Your adjusted gross income is part of the calculation to determine how much you pay for Medicare. Reporting this correctly is key. Most custodians don't report how much money went to a charity because the IRS hasn't created a way for them to do it. That's why you (or your financial planner) must provide this information when your taxes are filed. I will send a breakdown of QCDs, distributions, etc. to my clients so they can report it properly.  What you need to know about HSAs Steven sees people penalized for over-contributing to HSAs because the form (8889) is confusing and people fill it out incorrectly. That's the #1 thing you have to watch out for with these. One of the advantages of an HSA is that it can grow tax-free. If you can pay medical expenses from another source while funding the HSA, you'll also get a tax deduction. If you don't need the money for qualified medical expenses down the road, you'll just have to pay taxes on the money (which you can remove at age 65 without any penalties).  If you keep track of your HSA-eligible expenses as you go, and have sufficient documentation, you can also request reimbursement for things that happened in the past. What other issues does Steven find himself correcting frequently? Learn other tax mistakes to avoid in this episode.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Retirement Tax Services Podcast Steven's book, “Don't Get Killed on Taxes” Connect with Steven on LinkedIn  Retirement Tax Services Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Could being an authorized user on a business credit card really affect your credit, even if you're not on the hook for the debt? This week Ross and Dan dive into the mailbag to give genuine reactions and advice to listener questions. Send your questions to checkyourbalances@outlook.com to be featured on an upcoming episode!Find this episode on YouTubeWe're also on Instagram

Jim and Chris sit down to discuss listener questions relating to Social Security, rollovers, annuities, and trusts. (6:00) George in Ohio asks about delaying a Social Security benefit, claiming retroactively, and if the SSA will know how to handle the associated spousal benefit. (14:00) A listener from Maine looks for help calculating his wives Social […] The post Social Security, Rollovers, Annuities, and Trusts: Q&A #2412 appeared first on The Retirement and IRA Show.