Podcasts about Roth

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    Best podcasts about Roth

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    Latest podcast episodes about Roth

    The Distraction: A Defector Podcast
    Schur-da-land with Mike Schur

    The Distraction: A Defector Podcast

    Play Episode Listen Later Jul 10, 2025 65:24


    Mike Schur is back! With guest co-host Rohan Nadkarni and Drew to talk about how tech brainrot has infected how TV is made, as well as trades, sandwiches, and more. Then, they open up the funbag to answer real questions from listeners.Do you want to hear your question answered on the pod? Well, give us a call at 909-726-3720. That is 909-PANERA-0!Stuff We Talked AboutThe tech takeover of entertainmentPoor, sweet GrokMinkah Fitzpatrick for Jalen Ramsey and Jonnu Smith, why?Roth as a sex symbol for moms in BrooklynBill Belichick…The Devers tradeReally great (and one really bad) sandwichesSponsors- Raycon, where you can get 15% off Raycon's best-selling Everyday EarbudsCredits- Hosts: Drew Magary & David Roth- Producer: Brandon Grugle- Editor: Mischa Stanton- Production Services & Ads: Multitude Podcasts- Subscribe to Defector!About The ShowThe Distraction is Defector's flagship podcast about sports (and movies, and art, and sandwiches, and certain coastal states) from longtime writers Drew Magary and David Roth. Every week, Drew and Roth tackle subjects, both serious and impossibly stupid, with a parade of guests from around the world of sports and media joining in the fun! Roth and Drew also field Funbag questions from Defector readers, answer listener voicemails, and get upset about the number of people who use speakerphone while in a public bathroom stall. This is a show where everything matters, because everyone could use a Distraction. Head to defector.com for more info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Your Financial Pharmacist
    YFP 414: Ask YFP: When Should I Contribute to Roth vs. Traditional Accounts?

    Your Financial Pharmacist

    Play Episode Listen Later Jul 10, 2025 13:08


    Wondering whether to contribute to a Roth or Traditional retirement account? Tim Ulbrich and Tim Baker break down key factors like tax brackets, Roth 401(k) access, and long-term planning tips to help you decide. Episode Summary One of the most common questions we get is: Should I contribute to a Roth or Traditional retirement account? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, break down the key factors to consider when deciding between Roth and Traditional contributions, including: ✅ Your current and projected future tax bracket ✅ How much you've already saved in each account type ✅ Roth 401(k) availability through your employer ✅ State income tax implications ✅ Whether you have the cash flexibility to consider Roth conversions ✅ How the Roth IRA's freedom from required minimum distributions (RMDs) can be a valuable planning tool If you've ever found yourself wondering which retirement bucket to prioritize, or if you're simply trying to be more tax-savvy with your savings, this episode is for you.

    The Clark Howard Podcast
    07.08.25 Ask An Advisor With Wes Moss

    The Clark Howard Podcast

    Play Episode Listen Later Jul 8, 2025 40:09


    Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love letter from a couple who are self-proclaimed “happiest retirees on the block.” He shares the letter and the big keys to happy retirement success. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 8, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

    Crushing Iron Triathlon Podcast
    #862 – New Kona Qualifying System

    Crushing Iron Triathlon Podcast

    Play Episode Listen Later Jul 8, 2025 58:09


    Despite our best effort to resist, today we look at what the new Kona Qualifying System could mean for you! BUT, we also look at if it may give Ironman events a boost. Or . . . are there other things they can/should do to revitalize interest in their main brand, Full Ironman events. What would it take? Will they announce something new? How are they doing with getting new people in the sport? We have been on the ground at these Ironman events for a long ass time and have some thoughts about why people get involved in racing. Topics: The fireworks over the Kona Qualifying system Why was the new IM CEO at Roth? Kona Should be hard to get into Nothing is perfect Will THIS finally make everyone happy??!!  Probably not. How one WC is better for general interest Ironman shit on who they are Field vs. Years before in your age group? Making races spectacles New IM on the way?? Sticking to your guns The deep interest in Mass Starts from athlete to fan to new beginnings New IM CEO seems to be going back to the roots   Mike Tarrolly - mike@c26triathlon.com Robbie Bruce - robbie@c26triathlon.com

    Your Money, Your Wealth
    Asset Location, Investing Property Sale Proceeds, and Maxing Tax-Free Retirement - 537

    Your Money, Your Wealth

    Play Episode Listen Later Jul 8, 2025 36:08


    You've got your tax-free Roth accounts and your tax-deferred retirement accounts. Should you invest the same way in each? Kevin in Denver wants to know. Jim and Pam in Orange County are eligible for combat zone tax exclusions (CZTE). How else can they maximize their tax-free retirement strategy?  Susan Brandeis, CFP® spitballs with Big Al Clopine, CPA, today on Your Money, Your Wealth® podcast number 537. Plus, should Ned in Tokyo sell his Bay Area rental property and invest the proceeds? And Bob and Brigette in Wisconsin got a late start on Roth IRA savings. Should they prioritize saving into a Roth, brokerage account, or 401(k)? Free financial resources & episode transcript: https://bit.ly/ymyw-537 DOWNLOAD Why Asset Location Matters DOWNLOAD The Recession Protection Guide WATCH How to Build a Recession-Proof Portfolio on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:46 - Should the Asset Location of Our Accounts Be Independent of Each Other? (Kevin, Denver) 08:54 - CTZE - Any Other Ways to Maximize Our Tax-Free Retirement Strategy? (Jim & Pam, Orange County) 17:19 - Watch How to Build a Recession-Proof Portfolio on YMYW TV, Download the Recession Protection Guide 18:00 - Should We Sell a Rental Property and Invest the Proceeds? (Ned, Tokyo, Japan) 25:37 - Got a Late Start on Roth IRA Savings. Should I Prioritize Roth, Brokerage, or 401(k)? (Bob & Bridgette, WI) 34:49 - Next Week on YMYW Podcast

    Talking Real Money
    Annuity University

    Talking Real Money

    Play Episode Listen Later Jul 8, 2025 46:54


    In this hard-hitting episode, Don and Tom expose “Retirement Planning University”—a slick, misleading marketing operation posing as a legitimate educational program. Despite hosting seminars at respected universities, the organization isn't accredited and exists primarily to funnel attendees into high-commission indexed annuities sold by Strategic Wealth Investment Group. The duo break down the tangled relationships, the legal gray zones (including a likely violation of Florida law), and the wildly under-disclosed conflicts buried deep in Form ADV filings. Plus: a call from a skeptical listener about global diversification, a backdoor Roth update in response to H.R.1, a heartwarming tribute to Tom's mother-in-law, and a brutal real-world annuity pitch targeting grieving beneficiaries. This one hits hard. 0:04 Thunder and fireworks, then a storm of a different kind: fake financial education 1:20 “Retirement Planning University” is not accredited—possibly illegal in Florida 2:38 Florida law: using “university” in a name can be a crime 4:21 Strategic Wealth Investment Group funnels money into their “nonprofit” 6:27 Don breaks down Form 990 and discovers $6.3M in funding with 1.8% used for education 8:50 A never-before-seen conflict disclosure: over a page of indexed annuity conflicts 11:02 Universities that rent space to these events—should they be ashamed? 13:56 Don confesses: used ChatGPT to surface filings, laws, and charity reports faster 15:40 Final verdict: it's not education—it's a sophisticated lead funnel 17:18 Caller Jack: Is VT too concentrated in tech megacaps like Apple and Nvidia? 19:22 Don: It's still globally diversified, but yes, value/small tilts help 21:57 A heartfelt tribute to Tom's mother-in-law and her one smart money move: LTC insurance 23:01 Caller Mark: Does the new tax bill kill backdoor Roths? 27:18 Don runs the full 900-page bill through GPT—no mention of Roth changes 28:56 Sidebar: elderly elephant tourists and Romanian bear selfies 30:36 Caller Mary: Advisor pitching a 1035 annuity swap to dodge IRMA 34:42 Don and Tom: Just pay the IRMA bump—don't buy another bad annuity 36:44 The IRMA fear is way overblown; it's just one year 39:18 Why aren't these practices banned? Because regulators are stretched thin 40:12 Don taught real adult education classes—but the next “educator” was a broker Learn more about your ad choices. Visit megaphone.fm/adchoices

    Retire With Style
    Episode 186: How to Build a Retirement Plan That Lasts (and Saves on Taxes)

    Retire With Style

    Play Episode Listen Later Jul 8, 2025 32:19


    In this episode of Retire with Style, Alex Murguia and Wade Pfau answer listener questions on retirement planning for high earners. They explore tax strategies like Roth conversions and qualified charitable distributions, and discuss how tools like life insurance and annuities can help hedge longevity risk and support a stable retirement income.   Takeaways The importance of community engagement in retirement planning. High earners face unique tax challenges and strategies. Qualified charitable distributions can help manage tax implications. Roth conversions can be beneficial for reducing future RMDs. Understanding the widow's penalty in retirement planning is crucial. Annuities can provide income stability in later years. Life insurance can hedge against the risk of not living long enough. The interplay between income sources and tax brackets is complex. Gifting strategies can help manage estate taxes effectively. Combining life insurance and annuities can optimize retirement income.   Chapters 00:00 Introduction and Community Engagement 03:12 Exploring Tax Strategies for High Earners 06:09 Navigating Retirement Risks for Couples 11:49 Hedging Against Longevity Risks in Retirement 28:59 Conclusion and Future Q&A Sessions   Links If you want to better understand how to protect your retirement from bad market timing, don't miss Retirement Researcher's free webinar: “Four Ways to Manage Sequence of Returns Risk,” hosted by Wade Pfau happening July 15th, 2025 from 1:00 - 2:00 PM ET. You'll learn practical strategies to reduce volatility's impact on your retirement income. Register now at retirewithstyle.com/podcast. Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

    Dobré ráno | Denný podcast denníka SME
    Fico využil príležitosť, uniesol aj Cyrila s Metodom (8. 7. 2025)

    Dobré ráno | Denný podcast denníka SME

    Play Episode Listen Later Jul 8, 2025 25:23


    Robert Fico sa nám najnovšie stal fanúšikom Cyrila a Metoda a nielenže jeho vláda k tomu vychystala drahé opulentné oslavy, on ich rovno aj využil na rozprávanie o nejakých mostoch a národných suverenitách.Čo tým Smer vlastne sleduje, na koho cieli a aký to môže mať ohlas medzi fanúšikmi domnelých aj skutočných tradícií?Tomáš Prokopčák sa v podcaste Dobré ráno pýta Petra Tkačenka.Zdroj zvukov: YouTube/SMER-DR, Úrad vlády SROdporúčanie:Mojim dnešným odporúčaním sú nedeľné epizódy podcastu Dobré ráno. Po novom totiž každú nedeľu v Dobrom ráne nájdete sériu Roth číta Marca, v ktorej Robo Roth číta komentáre a publicistiku Sama Marca - a naozaj tieto nedeľné epizódy odporúčam.–Všetky podcasty denníka SME nájdete na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/podcasty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠–Odoberajte aj audio verziu denného newslettra⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SME.sk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ s najdôležitejšími správami na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/brifing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

    Capes and Japes
    #384 – Arnold Roth

    Capes and Japes

    Play Episode Listen Later Jul 8, 2025 41:37


    Today we talk about Arnie Roth, who was Steve Roger's childhood friend and protector before they lost touch after the war, but they rekindled their friendship after Arnie needed help saving his good pal Michael. What we were up to this week: Briar has been dealing with Ants Olivia hasn't read anything... yet. Stay tuned for Hellfire Vigil (2025) thoughts, probably. Thanks to Victoria Watkins for our icon! Support Capes and Japes by: Checking out our Patreon or donating to the Tip jar Find out more on the Capes and Japes website.

    checking roth arnie capes japes arnie roth victoria watkins
    Money Matters With Wes Moss
    Rethink Retirement: Efficient Moves for Taxes, Timing, and Portfolio Shifts

    Money Matters With Wes Moss

    Play Episode Listen Later Jul 8, 2025 39:44


    On today's episode of the Money Matters Podcast, Wes Moss and Christa DiBiase unlock powerful retirement and investment moves that could help shape your financial future. Today, they: • Explore how a couple with $5M in assets can consider early retirement while balancing tuition payments and uncertain markets. • Calculate the power of the 4% rule and see how $5M can potentially yield $200,000 annually in sustainable withdrawals. • Learn why emotional timing and slow investing may not always serve you best in today's interest rate environment. • Discover the real purpose of a financial manager—and why it's not about “beating” the S&P 500. • Examine the peace of mind that can come come from a 6-9 month investment strategy instead of stretching it over years. • Hear from a retired law enforcement officer with a $4,200/month pension weighing travel vs. keeping property—find out why selling his home may unlock nearly $90K/year in income. • Understand how capital gains exclusions might work when selling a primary residence before moving abroad. • Get clarity on using the new 529-to-Roth rollover rule—how parents can repurpose unused college funds for their working children. • Adjust your withdrawal strategy based on life expectancy—learn how shorter horizons (like 20 years) might allow for higher withdrawal rates, up to 5.5%. • Evaluate pension options that vary in payout length and amount—see how selecting the right one could impact your long-term cash flow. • Align retirement timing with market conditions—hear why one couple may want to delay retirement to avoid locking in stock losses. • Balance equity-heavy portfolios before retirement to help avoid relying too heavily on market performance. • Plan major home renovations before retiring—discover why waiting could turn into a costly trap. • Examine harnessing low-income years to help strategically harvest long-term capital gains—while possibly staying in the 0% tax bracket. • Use tax loss harvesting to offset gains and rebalance portfolios more efficiently. • Hear a real success story: consistent $1,000/month investing for 20 years yields over $2M—now learn how to effectively shift from aggressive to conservative assets. • Understand the difference between Roth contributions and Roth conversions—and avoid costly mix-ups.

    The.Ink
    WATCH: How universities can fight back

    The.Ink

    Play Episode Listen Later Jul 8, 2025 24:30


    This is a free preview of a paid episode. To hear more, visit the.inkDonald Trump's actions represent an existential threat to the university as we know it.But why? What is it about the modern American university that is so upsetting to a famously insecure leader? Why has he fixated on this out of all possible targets?We just talked with Wesleyan University's president, Michael Roth, an outspoken defender of student free speech and Trump critic, and 1,300 of you. He spoke of:* How universities are a culture-making, opinion-shaping power center, which Trump, like all authoritarians, fears* How they facilitate social progress by helping students pick up ideas and perspectives that sever them from the prejudices of their families and hometowns, and why that threatens the right's larger political project* Why the kidnappings of Mahmoud Kahlil and Rümeysa Öztürk and others are so chilling, and part of an attempt to turn university leaders into collaborators* How the chilling effects of Trump's cuts and abductions are already shifting the behavior of students and professors* Why the Trump regime's anti-antisemitism exploits genuine anxieties as a cudgel against his enemies, and how it has made Jews in America not more but less safe* How academia came to hold too much influence over the political left and the Democratic Party in particular, and the need to go beyond the jargon and wonkiness and elitist inclusionspeak that keep many Americans at bay* And why, even though Roth is afraid, he's committed to speaking up — because that is the only way to find out if you're wrong, and the only way to stay freeYou won't want to miss this one, so just click on the video player above.Our live shows are open to all. Afterward, to access the full video of this interview and the transcript, become a paying subscriber.Your support is how we keep the lights on, pay our staff a fair wage, and build the new media we all deserve. When you subscribe, you help us reach more people. Join us today, or if you are already a member, give a gift or group subscription.Join us for more Live conversations this week!Tomorrow, Wednesday, July 9, at 12:30 p.m. Eastern, we'll meet with The Ink Book Club. Then on Thursday, July 10, at 12:30 p.m. Eastern, we'll talk with messaging guru Anat Shenker-Osorio.To join and watch, download the Substack app (click on the button below) and turn on notifications — you'll get an alert once we're live, and you can watch, chat, and even participate in the conversation during our Book Club meetings from your iOS or Android mobile device. If you're using a computer, you can also watch (and ask questions in the text chat) on our homepage.

    Retirement Starts Today Radio
    Mailed, Stolen and Cashed: a $114,000 Retirement Check

    Retirement Starts Today Radio

    Play Episode Listen Later Jul 7, 2025 16:19


    KQED’s Perspectives
    Hudson Roth: Keeping Sports Fun

    KQED’s Perspectives

    Play Episode Listen Later Jul 7, 2025 3:33


    Hudson Roth has played competitive soccer for years and wonders if people have lost sight of what youth sports should be about.

    Israel and You
    Stuart Roth from the ACLJ—Future Israel, Iran, and the Middle East

    Israel and You

    Play Episode Listen Later Jul 7, 2025 28:30


    Listen now to a conversation with Aaron and Stuart Roth, of Counsel to the American Center for Law and Justice and Senior Counsel of the European Law and Justice, about the aftermath of Israel's war with the terrorist Iranian regime. What might the future hold?

    Cleveland's Morning News with Wills and Snyder
    Roth Conversion - Is It right for you? Bob Casarona CFP-Sequoia Financial

    Cleveland's Morning News with Wills and Snyder

    Play Episode Listen Later Jul 7, 2025 5:46


    Roth conversion aren't really sure what it is or if it is right for you? Bob Casarona CFP, with Sequoia Financial talks what a Roth conversion is, who it makes sense for, and what traps to avoid before you make the move. What is a Roth Conversion? Who are the best candidates? Watch for pitfalls

    Dobré ráno | Denný podcast denníka SME
    Roth číta Marca: Ako som sa pri Robertovi Ficovi mýlil

    Dobré ráno | Denný podcast denníka SME

    Play Episode Listen Later Jul 6, 2025 9:57


    Poznáte jeho texty – teraz ich budete môcť aj počuť.Každú nedeľu vo svojej podcastovej aplikácii nájdete trochu iný formát Dobrého rána – Roth číta Marca.Eseje a komentáre publicistu Sama Marca v podaní herca Roberta Rotha.Načítaný text: https://komentare.sme.sk/c/23511537/robert-fico-nato-eu-neutralita-samo-marec.html–Všetky podcasty denníka SME nájdete na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/podcasty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠–Odoberajte aj audio verziu denného newslettra⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SME.sk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ s najdôležitejšími správami na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/brifing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

    roth ka marca sme dobr pozn eseje robertovi ficovi odoberajte
    The Mark Perlberg CPA Podcast
    EP 110 - Why You Should (or should not) Defer Taxes

    The Mark Perlberg CPA Podcast

    Play Episode Listen Later Jul 6, 2025 20:22 Transcription Available


    Send us a textTax deferrals can be a powerful tax strategy when implemented properly and at strategic times, as demonstrated by a client who missed an opportunity that will cost them approximately $100,000 in taxes. We explain why timing your tax deferrals between high and low-income years creates massive tax savings despite common objections.• Common objections to tax-deferred accounts include eventual taxation, liquidity concerns, and ordinary income tax rates on distributions• Retirement accounts offer more liquidity than people realize, with loan options for Solo 401(k)s and principal withdrawal flexibility from Roth accounts• Strategic timing of contributions and distributions between high and low tax bracket years creates substantial tax arbitrage• Contributions to SEP IRAs and Solo 401(k)s can be made until October 15th of the following tax year• Self-directed retirement accounts can invest in real estate and other alternative assets without needing real estate professional status• Advanced strategies include timing Roth conversions during temporary valuation dips, potentially reducing conversion taxes by 30-40%• Beyond retirement accounts, consider 1031 exchanges, installment sales, and charitable planning for additional tax deferral opportunitiesPS. Whenever you're ready, here are some ways we can help with reducing your taxes... Ready to slash your tax bill? Schedule your free consultation and let's strategize your tax savings together! Book now at: https://www.prosperlcpa.com/apply Or, if you still need more time, here are some other ways to begin winning the tax game...  Take our free Tax Planning Checklist & learn about what tax savings may be available for you in our minicourse at https://taxplanningchecklist.com  At the very least, get on our newsletter to gain access to free live events and exclusive insight you won't find anywhere else: https://www.prosperlcpa.com/subscribe

    Allworth Financial's Money Matters
    Bitcoin at 60? Bold Moves, Roth Rules, and the Wild World of ETFs

    Allworth Financial's Money Matters

    Play Episode Listen Later Jul 5, 2025 56:10


    On this week's Money Matters, Scott and Pat tackle a range of topics, from a wild retirement strategy involving Bitcoin to the often-misunderstood five-year Roth IRA rule. They also dive into the explosion of Exchange-Traded Funds (ETFs), the downside of complicated income products, and a heartwarming yet hilarious look into redecorating empty-nest bedrooms. With over three million downloads, we thank our dedicated listeners—especially those who keep us humble and laughing! Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.  

    The Dr. Jeffrey Roth‘s Looking Good Feeling Great Podcast
    Board Certified Plastic Surgeon Dr. Jeffrey Roth discusses the popular GLP-1 weight loss medications in this new episode!

    The Dr. Jeffrey Roth‘s Looking Good Feeling Great Podcast

    Play Episode Listen Later Jul 4, 2025 30:35


    In this episode of the Looking Good Feeling Great Podcast, Board-Certified Plastic Surgeon Dr. Jeffrey Roth of Las Vegas Plastic Surgery and co-host Darrell Craig Harris dive into the buzz surrounding GLP-1 weight loss medications. From how they work to their growing popularity, get expert insight on this trending health topic! Website www.JJRothMD.com  Social Media www.Instagram.com/lasvegasplasticsurgery We invite you to contact us with your questions including suggestions for topics to cover on future episodes!  email: inquiry@darrellcraigharris.com Meet Dr. Jeffrey J. Roth from Las Vegas Plastic Surgery Drawn to medicine by his innate desire to help others, he received his medical degree from the University of Nevada School of Medicine. He completed his general surgery residency at the Medical College of Pennsylvania/Hahnemann University in Philadelphia and his plastic surgery residency at the University of California, San Francisco, serving as chief resident in both programs. He then furthered his training with a fellowship in microsurgery and hand surgery at USC, where he also served on the faculty. Having gathered the kind of expertise and experience that makes him a leader in his field, Dr. Roth returned to Las Vegas in 2003 and opened his practice, Las Vegas Plastic Surgery, Inc. Website www.JJRothMD.com  Social media www.Instagram.com/lasvegasplasticsurgery www.Instagram.com/lookinggoodfeelinggreatpodcast www.Facebook.com/lasvegasplasticsurgery www.Twitter.com/DrJeffreyRoth             

    Retire With Purpose: The Retirement Podcast
    508: More Control, Less Surprise: A Real Retirement Tax Wake-Up Call

    Retire With Purpose: The Retirement Podcast

    Play Episode Listen Later Jul 4, 2025 23:00


    What if you did everything “right” in retirement, but were still left surprised? That's exactly what happened to Fritz Gilbert, one of our favorite past podcast guests. In this episode, we unpack his recent article, “My Biggest Surprise in Retirement,” and explore why his carefully planned Roth conversions didn't make the impact he expected. This conversation is for anyone who wants to stay in the driver's seat—no surprises, no backseat driving from Uncle Sam—just thoughtful, purpose-driven planning.  In this episode, we discuss:  Why Roth conversions may not reduce your tax-deferred balance as expected Why waiting until retirement to convert might be too late Strategic conversions = lower RMDs, Medicare premiums, and taxes for heirs The ripple effects of taxes: Medicare IRMAA, Social Security, legacy Today's article is from The Retirement Manifesto blog titled, My Biggest Surprise in Retirement. 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/508

    The Military Millionaire Podcast
    7 SIMPLE Steps That Made Me a Millionaire in the Military

    The Military Millionaire Podcast

    Play Episode Listen Later Jul 4, 2025 16:14


    7 SIMPLE Steps That Made Me a Millionaire in the Military Hosted by: David Pere Episode Type: Personal Finance, Wealth Building Length: ~16 minutes Watch on YouTube: 7 SIMPLE Steps That Made Me a Millionaire in the Military

    American Institute of CPAs - Personal Financial Planning (PFP)
    BBB Crossover Special: How the New Tax Law Changes Everything for Your Clients

    American Institute of CPAs - Personal Financial Planning (PFP)

    Play Episode Listen Later Jul 4, 2025 28:48


    The One Big Beautiful Bill Act is no longer a proposal, it's the law. That means CPA financial planners must shift gears fast. In this special crossover episode of the AICPA Personal Financial Planning Podcast and the AICPA Tax Odyssey Podcast, host Cary Sinnett is joined by nationally recognized experts Bob Keebler and Mark Gallegos to break down what the new law really means for your clients and your planning strategies. From the permanent TCJA tax brackets and QBI deduction to enhanced SALT caps, PTET elections, and new income exclusions for tips and overtime, this episode delivers high-level insights you can act on immediately. You'll also hear forward-looking guidance on Roth conversions, entity structure decisions, estate and gifting strategies, and what Medicaid reforms mean for clients with multigenerational care responsibilities. This is the must-listen briefing every CPA financial planner needs right now. Resources: 2025 Reconciliation charts Planning for tax changes and tax reform 2025 House tax bill This episode is brought to you by the AICPA's Personal Financial Planning Section, the premier provider of information, tools, advocacy, and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program. Subscribe to the PFP Podcast channel at Libsyn to find all the latest episodes or search “AICPA Personal Financial Planning” on your favorite podcast app.  

    The Distraction: A Defector Podcast
    A Fish-Eating American

    The Distraction: A Defector Podcast

    Play Episode Listen Later Jul 3, 2025 54:18


    It's summer, and Drew and Roth are both sunburned, so it's time to talk about politics. Then, they answer questions from the Funbag, full of real questions from real listeners. Happy July 4th!Do you want to hear your question answered on the pod? Well, give us a call at 909-726-3720. That is 909-PANERA-0!Stuff We Talked AboutFoot meatNYC grocery stores being badBeing the child in your own relationshipSponsors- Raycon, where you can get 15% off Raycon's best-selling Everyday Earbuds- Mint Mobile, where you can get 3-months of premium wireless service for $15 a monthCredits- Hosts: Drew Magary & David Roth- Producer: Brandon Grugle- Editor: Mischa Stanton- Production Services & Ads: Multitude Podcasts- Subscribe to Defector!About The ShowThe Distraction is Defector's flagship podcast about sports (and movies, and art, and sandwiches, and certain coastal states) from longtime writers Drew Magary and David Roth. Every week, Drew and Roth tackle subjects, both serious and impossibly stupid, with a parade of guests from around the world of sports and media joining in the fun! Roth and Drew also field Funbag questions from Defector readers, answer listener voicemails, and get upset about the number of people who use speakerphone while in a public bathroom stall. This is a show where everything matters, because everyone could use a Distraction. Head to defector.com for more info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Suze Orman's Women & Money (And Everyone Smart Enough To Listen)
    Suze School: A Special Way To Make Your Money, Make More Money

    Suze Orman's Women & Money (And Everyone Smart Enough To Listen)

    Play Episode Listen Later Jul 2, 2025 22:15 Transcription Available


    On this special Wednesday episode, we get a Suze School lesson on ways you can make your money work harder for you, including a special limited-time offer only for Women and Money podcast listeners. Plus, why you should prioritize Roth retirement accounts and more! Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

    Afford Anything
    Q&A: Which Investments Should Go Into Which Accounts?

    Afford Anything

    Play Episode Listen Later Jul 2, 2025 69:06


    DOWNLOAD the FREE Cheat Sheet: ASSET LOCATION MADE SIMPLE at affordanything.com/assetlocation #621: Jared is attracted to the favorable terms of the annuity plan that his employer offers, but he's hesitant to pay the opportunity cost of locking up his money now. What should he do? An anonymous caller is struggling to find the efficient frontier with only three funds to choose from in his Thrift Savings Plan. Is there any hope for him? Jack feels great about the funds in his portfolio, but he's losing sleep over how to apportion them between his taxable, pre-tax and Roth accounts. What's the best tax strategy for him? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it at https://affordanything.com/voicemail Learn more about your ad choices. Visit podcastchoices.com/adchoices

    Talking Real Money
    Gen Z's Retirement Edge?

    Talking Real Money

    Play Episode Listen Later Jul 2, 2025 43:32


    Gen Z may just be schooling the rest of us in retirement savings—sort of. Don breaks down why the kids are all right… and also why they're misled. Auto-enrollment rules, social media misinformation, and shaky FinTok advice are all under the microscope. He then tackles smart ETF choices for young investors, questions about windfall investing and burial plots, the overhyped Shell-BP merger rumor, the madness of MicroStrategy's crypto-fueled valuation, and how to responsibly (and legally) cash out decades-old gold holdings. Plus, Don dishes out practical planning wisdom and allergic sniffles from sunny Florida. 0:04 Gen Z's surprising retirement savings rate—and why it's not the whole story 1:06 Auto-enrollment in 401(k)s and how it changed everything 2:34 Gen Z's financial education: more access, but less understanding? 3:49 The rise (and danger) of FinTok as a financial advice source 5:00 Over 70% of FinTok advice is misleading or incomplete 6:15 Back in studio—Don on allergies, Alpha kids, and social media scams 8:29 Chase “glitch” scam and other Gen Z-targeted bad advice 10:11 Credit Karma: Gen Z scams and IRS audits are shockingly high 11:17 Call: Should a granddaughter's IRA stay in VOO or add tech/growth? 12:48 Why Don avoids sector funds like Infotech, even for young investors 13:45 The trouble with chasing recent winners like VOOG 14:29 Historical returns: value > growth, despite recent performance 15:47 Call: $20k–25k Nordstrom stock sale—spend, save, or invest? 17:59 Burial plots vs. emergency fund: Don's (very real) take 20:42 CDs for older investors: short-term, safe, sensible 21:48 Call: Shell buying BP? Not likely—and Don calls the hype 23:35 BP's politics and price already reflect takeover speculation 25:02 Inheriting BP stock: should you take the exit opportunity? 26:13 UK resistance to selling BP to a Dutch firm like Shell 26:56 Individual stocks = concentrated risk, even for giants like BP 28:09 Reminder: Every financial move should be part of a real plan 29:05 Roth conversions, tax brackets, and portfolio rebalancing 31:08 MicroStrategy's insane Bitcoin play—and why it's all risk 32:23 Company worth 40% more than its Bitcoin holdings—why? 33:28 Don warns: short selling and options are for gamblers only 34:00 Call: 59-year-old IT director wants to invest $5K/month wisely 35:21 Max the 401(k), use Roth IRA next, and build long-term wealth 36:47 Portfolio diversification with risk-based allocation 37:27 Call: Selling gold bought in the '80s—how to handle taxes 39:47 How to recreate gold purchase records if you've lost receipts 40:55 Debunking the “three coins per month tax-free” myth Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Power Of Zero Show
    Doug Andrew: Consider Rolling Your IRA into an IUL (Good idea?)

    The Power Of Zero Show

    Play Episode Listen Later Jul 2, 2025 10:18


    David McKnight addresses Doug Andrew's recommendation of turning your IRA into an IUL. David agrees with some of Andrew's views, including his objection to rolling a 401(k) into an IRA, and then leaving it there until you die. Given the exploding national debt, most experts predict that taxes 10 years from now will have to rise dramatically to keep the U.S. solvent… Doug Andrew lists Indexed Universal Life as his “favorite financial vehicle because of liquidity, safety, predictable rates of return, and tax-free growth”. David is skeptical of advice that denigrates every tax-free alternative within the IRS tax code in an attempt to glorify the IUL – which happens to be the product Andrew sells. While David recognizes some admirable qualities that are unique to IUL (and that no other financial tool has), he doesn't recommend having an IUL as the only prong in your tax-free strategy. David's preference is for you to opt for an approach that takes advantage of every tax-free nook and cranny within the IRS tax code. Many gurus are “married” to and recommend only one strategy. David, on the other hand, prefers “multiple streams of tax-free income, none of which show up on the IRS' radar, that contribute to you being in the 0% tax bracket.” David lists the unique qualities of financial tools such as Roth IRAs, Roth 401(k)s, Roth Conversions, and IULs. If you're someone who's looking for advice, David recommends being careful whenever someone recommends you liquidate a retirement account you've been saving into your entire life and move it wholesale into an IUL! Your ideal goal should be to have multiple tax-free income streams that will land you in or near the 0% tax bracket in retirement. Why is that so important? Because even if tax rates were to double, two times zero is still ZERO.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Doug Andrew

    The Wealth Flow
    EP168: How to Legally Cut Your Lifetime Tax Bill with Real Estate - Christopher J. Picciurro, CPA, MBA, PFS, ARA

    The Wealth Flow

    Play Episode Listen Later Jul 2, 2025 0:14


    In this episode, Christopher J. Picciurro, CPA, MBA, PFS, ARA, returns to break down powerful, tax-saving strategies for real estate investors. From the basics of passive investing to advanced tax planning tools, he shares how to legally reduce your lifetime tax burden. If you're serious about building wealth, this is the playbook you need.   Key Takeaways To Listen For Cash Flow vs. Tax Flow: Why your paper loss can still be a financial win Understanding depreciation, “gold diagnoses,” and lifetime tax planning How to use REP status and cost segregation for massive tax savings Strategies to control capital gains when selling and when to use them Income-shifting tactics using S corps, spousal payroll, Roth conversions, and health reimbursement hacks Resources/Links Mentioned In This Episode Defeating Taxes   About Christopher J. Picciurro, CPA, MBA, PFS, ARAChris Picciurro is a nationally recognized tax strategist specializing in real estate investing. A CPA, MBA, PFS, and ARA, Chris brings over two decades of experience helping investors and entrepreneurs legally and ethically reduce their lifetime tax burden. He's the founder of Teaching Tax Flow, co-founder of Integrated CPA Group, and a sought-after speaker for organizations like NATP, MICPA, and NARPM. Based in Franklin, TN, Chris is also a podcast co-host, former Intuit Tax Council member, and passionate educator dedicated to demystifying tax planning for investors and professionals alike. In his free time, he enjoys pickleball, travel, and family time. Connect with Chris Website: Teaching Tax Flow | Chris Picciurro Podcast: Teaching Tax Flow | Apple Podcasts and Spotify LinkedIn: Christopher Picciurro, CPA, MBA, PFS, ARA Facebook: Chris Picciurro Facebook Group: Defeating Taxes Instagram: @chrispicciurro Connect With UsIf you're looking to invest your hard-earned money into cash-flowing, value-add assets, reach out to us at https://bobocapitalventures.com/.   Follow Keith's social media pages LinkedIn: Keith Borie Investor Club: Secret Passive Cashflow Investors Club Facebook: Keith Borie X: @BoboLlc80554

    Do More With Your Money
    #141: Unlocking the Power of Self-Directed IRAs with Adam Bergman

    Do More With Your Money

    Play Episode Listen Later Jul 2, 2025 36:36


    In this conversation, T.J. van Gerven and Adam discuss the concept of self-directed IRAs, exploring their differences from traditional IRAs, the potential for investing in alternative assets, and the role of custodians. Adam shares insights on the benefits and risks associated with self-directed IRAs, including compliance issues and the importance of education. They also touch on investment strategies, Roth conversions, and the flexibility of various retirement accounts, emphasizing the long-term wealth-building potential of these financial tools. Takeaways   Self-directed IRAs allow investment in alternative assets beyond stocks and ETFs. The term 'self-directed IRA' is not defined in the tax code; it's a marketing term. Investors can use their IRAs to invest in real estate, hedge funds, and cryptocurrencies. There are only three prohibited transactions with IRAs: life insurance, collectibles, and self-dealing. Custodians play a crucial role in managing self-directed IRAs and ensuring compliance. Self-directed IRAs are not more popular due to lack of marketing from large financial institutions. Roth conversions can be a strategic way to manage tax liabilities on investments. Valuation of non-publicly traded assets is important for compliance and reporting purposes. Various types of retirement accounts can be self-directed, including HSAs and solo 401(k)s. Long-term investment strategies and starting early are key to building wealth.    Chapters   00:00 Understanding Self-Directed IRAs 02:53 Exploring Alternative Assets 05:49 The Role of Custodians in Self-Directed IRAs 08:54 The Popularity and Misconceptions of Self-Directed IRAs 11:56 Working with Financial Advisors 14:45 Investment Strategies and Success Stories 17:54 Roth Conversions and Tax Strategies 20:53 Types of Retirement Accounts 23:52 Valuation and Reporting of Private Assets 26:47 Navigating Required Minimum Distributions 29:53 Encouragement for Millennials  

    Talking Real Money
    Highs Hype

    Talking Real Money

    Play Episode Listen Later Jul 1, 2025 45:12


    The market hit another “all-time high”—shocking no one. Don dismantles the myth that record highs are reasons to panic or pull back, reminding listeners that long-term investing and diversification remain undefeated. He breaks down the actual recent S&P 500 data, explains why global diversification matters (even when it lags), and skewers both single-stock overconfidence and scammy ETFs promising outrageous yields. Listener calls dig into retirement withdrawal strategy, Roth conversion tactics, and why brokerage accounts might not always be necessary. 0:04 Market hits all-time high again… surprise! 0:39 Should you invest when the market is at an all-time high? 1:43 Don takes live calls—money questions welcome 2:11 S&P 500 update: fastest bounce in history 3:55 Surprise stock leaders: not the Magnificent Seven 5:13 Why diversification matters—again 9:30 All-time highs are normal—and necessary 11:21 Global stocks vs. U.S.: less volatile, less exciting 13:20 Palantir millionaire: savvy or lucky? (Spoiler: probably lucky) 16:55 Overconcentration risk—even with the S&P 500 18:07 Fixed income + discipline = real-life smoother ride 18:53 Caller Don in Covington: timing Roth withdrawals and big expenses 21:43 Withdrawal order: Taxable → Traditional IRA → Roth 23:50 Investing = confusing or clear. Your pick. 24:39 Caller Dave in Gig Harbor: 529-to-Roth confusion cleared up 27:31 529s just got even better for long-term wealth building 29:52 Back to solo Don: Tom's in Normandy 30:27 Jason Zweig warns about shady 200% yield ETFs 33:08 How Tesla YieldMax ETF lost 80% while claiming a “62% yield” 34:44 If it sounds too good to be true… skip it 36:00 Listener question: Should cash be counted in your 70/30 allocation? 38:12 The role of cash in reducing volatility and funding withdrawals 39:01 Caller Mark in Connecticut: Do I even need a brokerage account? 41:59 Roth as dual-purpose tool: liquidity + long-term compounding Learn more about your ad choices. Visit megaphone.fm/adchoices

    The Planning For Retirement Podcast
    84: Retire @ 58 w/ $3million. Prioritize ACA Premium Tax Credits or Roth Conversions?

    The Planning For Retirement Podcast

    Play Episode Listen Later Jul 1, 2025 42:48


    Hello, PFR Nation and Happy 4th of July, and Happy Birthday, America!  What a great country we live in, I'm so proud to be an American.  My Dad being a (legal) immigrant has given me great appreciation for the opportunities we have relative to the rest of the world.  I'm feeling extremely blessed for the clients we are serving in our financial planning firm, and I'm so grateful to serve all of you with this podcast.  I hope you continue to find value.  We have a fair amount of new listeners, plus the legacy listeners, and I just want to say how excited I am to deliver this weekly content to all of you.  Thank you for the support, and welcome to the 84th episode of the PFR Podcast and 7th edition of the ‘Whiteboard Retirement Plan.'  Leo and Lisa are looking to retire in 2 years, at 61 and 58 respectively.  They have done quite well accumulating approximately $3 million for retirement with the majority being inside of traditional tax deferred IRA's and a 401k.   Leo is on Long Term Disability and was forced to ‘retire earlier' than planned, and is receiving tax free income until 65.  Lisa plans to fully retire at 58.  However, this will result in losing employer-sponsored healthcare and ultimately needing to shop around in the open market.  One option will be to consider the Affordable Care Act policies on Healthcare.gov.  Furthermore, Roth Conversions are of interest during their “Roth Conversion Window” from Lisa's age 58 until she turns 75.  In this episode, we will help them decide whether or not to aggressively pursue a ‘low income' to reduce healthcare costs in early retirement…or, to begin converting some of the tax-deferred accounts right away to reduce the ‘Tax Trap of 401ks.'  Drop a comment and let me know what you plan to do if you retire before 65!  Will you aggressively pursue ACA Premium Tax Credits?  Aggressively convert to Roth?  Or potentially a hybrid between the two?  I hope you enjoy the 7th edition of the “Whiteboard Retirement Plan.”ACA Premium Tax Credits Video***Additional Disclaimer***  So much about these rules are up in the air.  From 2021-2025, there has been a “gradual slope” downwards of ACA premium tax credits even AFTER you exceed 400% of the Federal Poverty Level.  However, that is set to revert back to the “Cliff” at 400% after 2025.  With that said, there is a LOT on the table with the “One Big Beautiful Bill” which will likely include further changes to these rules.  I guess what I'm saying is…continue to follow the “OBBB” and of course follow the PFR Pod!-KevinTakeaways:Many of the families we serve are overachievers looking to retire early.Healthcare costs are a significant concern for early retirees prior to reaching Medicare eligibility.Budgeting for lifestyle and healthcare is crucial in retirement planning.Roth conversions can optimize tax liabilities over time.Monte Carlo simulations can help stress test the plan, but is by no means the be all end all retirement metric.Understanding the Affordable Care Act and their premium tax credits are important, but should NOT be the sole basis for tax planning opportunities.  Tax traps in traditional retirement accounts can impact long-term wealth during a retiree's lifetime, and for the next generation.  Income stability is key for a successful retirement.Adjusting retirement plans can provide more flexibility and security.⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

    The Federal Retirement Podcast
    Thrift Savings Plan Management: Navigating Retirement in Volatile Markets

    The Federal Retirement Podcast

    Play Episode Listen Later Jul 1, 2025 19:20


    Benchmark Financial Group explores essential strategies for federal employees who need to optimize their Thrift Savings Plan (TSP), navigate volatile markets, and make informed decisions about traditional and Roth contributions. You'll also learn about TSP contribution limits for 2025, the differences between G, F, C, S, and I funds, and how to create a strategic retirement income plan tailored to your needs.If you're a federal employee approaching retirement or looking for actionable advice on TSP and retirement income, this video is a must-watch. Ready to take the next step? Contact Benchmark Financial Group for a personalized consultation, and let us help you achieve your financial goals with confidence today.————Since 1987, Benchmark Financial Group, LLC has been committed to helping clients realize their financial independence, especially at retirement. Benchmark works with federal employees to provide a customized analysis of their federal benefits. This customized analysis of federal benefits is prepared by Benchmark professionals who hold a ChFEBC designation. This means we are financial professionals who have completed extensive training to learn and understand federal benefits. Follow Benchmark Financial Group:Website: https://bfgkc.com/LinkedIn: https://www.linkedin.com/company/benchmark-financial-group-llc/ orFacebook: https://www.facebook.com/BenchmarkFinancialGroupLLCBenchmark is located at 10975 Benson Dr., Suite 500, Overland Park, KS 66210, Corporate Woods Building 12. You can contact Benchmark Financial Group by visiting the website at https://bfgkc.com, calling 913.227.4224, or emailing David at david.raetz@bfgkc.com.Securities and Advisory Services are offered through CreativeOne Securities, LLC. Member FINRA/SIPC and an Investment Advisor. Benchmark Financial Group, LLC, and CreativeOne Securities are not affiliated companies.#tsp #benchmarkfinancialgroup #planyourfederalretirement

    The Clark Howard Podcast
    06.30.25 Airfare Update / Travel Credit Card Points Devalued

    The Clark Howard Podcast

    Play Episode Listen Later Jun 30, 2025 31:23


    Today - A Clark travel update about what the airlines are doing to get you to pay more for your tickets and what you can do about it.  Also, Clark has talked about how the airlines and hotels continuously devalue their miles and points. Now the credit card industry is at it as well. It looks like credit card points are going the way of the airline frequent flyer miles Airline Travel Update: Segment 1 Ask Clark: Segment 2 Travel Credit Card Points: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Thrifty Traveler - US Airlines Are Quietly Hitting Solo & Biz Travelers with Higher Fares How To Find Cheap Flights in 3 Easy Steps  /  Are Airline Miles Worth It? SeatGuru: Airline Seat Maps, Flights shopping and Flight information GOING - Plan trips. Get alerts. Fly for less Roth vs. Traditional 401(k): What's the Difference? Citi Is Devaluing ThankYou Points: Will It Impact the Double Cash Card? Best Airline Credit Cards for 2025: Are They Right For You? Should I Keep My Old Car or Buy a New Car? How To Sell Gift Cards Online for Cash Best Places To Find Free E-Books  Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

    Talking Real Money
    Dr. Doom or Dr. Boom

    Talking Real Money

    Play Episode Listen Later Jun 30, 2025 29:30


    Don and Tom tear into the lunacy of financial predictions—starting with famed doomsayer Nouriel Roubini suddenly turning optimistic (is that a good sign or a terrifying one?). Then it's onto Ron Baron and his wildly volatile, high-fee Barron Partners Fund, which beat the QQQ—barely—by taking massive concentrated bets on Tesla and SpaceX. Finally, they answer listener questions about portfolio diversification, international exposure, and outrageously overpriced 401(k) fund options (Nationwide, we're looking at you). It's a full-on roast of Wall Street's ego-driven nonsense with a side of smart, actionable advice. 0:04 Predicting markets is impossible—so why do people still listen to those who try? 1:50 Dr. Doom (Nouriel Roubini) turns into Mr. Boone—predicting good times ahead 3:35 Roubini blames AI and nuclear fusion for his new optimism 4:57 Don's rule: All predictions are a prehistoric brain trap 5:20 Ron Baron and his Partners Fund—poster child for active management hype 6:41 Nearly half the fund is in two holdings: Tesla and SpaceX 8:44 From $10K to $6.5K in 6 months: the cost of extreme concentration 9:47 Expense ratio: 2.25%—with $7.5B in assets? Outrageous 10:54 Why high-flyer funds are built to crash hard, too 11:39 Investing in Barron = trying to beat the market (and probably failing) 13:14 Lost 43% in 2022—twice the S&P's loss 13:48 But in 2020? Up 150%. Thanks, Tesla 14:51 Listener Q: Army major wants to clean up his Roth portfolio 16:10 Don and Tom: Scrap the mid-cap clutter—go global with VT 17:59 Listener Q: New job, horrible 401(k) fund choices—can he still contribute? 19:03 Nationwide's 93-basis-point index fund sparks full-on Don rant 20:14 High fees vs. tax breaks: what wins? 21:31 Why the financial industry is addicted to greed 22:11 Appella's no-pressure offer to review your portfolio 23:04 Don's publisher's clearinghouse FaceTime scam story Learn more about your ad choices. Visit megaphone.fm/adchoices

    Secure Your Retirement
    Transitioning into Retirement: Key Steps for a Smooth Shift

    Secure Your Retirement

    Play Episode Listen Later Jun 30, 2025 39:55


    In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the essential elements involved in Transitioning into Retirement and how to ensure you make a smooth and confident shift into this next stage of life. They walk through practical retirement planning steps that cover everything from creating a reliable retirement income strategy, navigating tax-efficient withdrawals, preparing for healthcare costs, and protecting against common retirement risks like market volatility. The Peace of Mind Pathway—a comprehensive process developed by the team—serves as a guide to address all the complex moving parts of retirement planning.Listen in to learn about crucial financial decisions such as Roth conversions explained, managing Healthcare before Medicare, effective Medicare planning, and Long-term care planning options that protect your assets. Radon and Murs also explore investment strategies like the Bucket investment strategy and how to guard against Sequence of returns risk. Plus, they dive into sophisticated tax strategies like utilizing Donor advised funds, the Direct indexing strategy, and optimizing Charitable giving in retirement. This episode is a masterclass for anyone who wants to plan for retirement, live confidently, and secure your retirement.In this episode, find out:· How to design a reliable retirement withdrawal strategy using the bucket system.· Why Roth conversions may offer powerful long-term tax benefits.· The importance of strategic tax withholding and year-by-year tax planning.· How to evaluate your healthcare options before Medicare and address future Medicare planning.· What to consider for Long-term care planning and protecting your retirement savings.Tweetable Quotes:"Transitioning into retirement isn't just about stopping work — it's about creating a sustainable income plan that gives you peace of mind." – Murs Tariq"Every great retirement plan needs nurturing, because life happens and adjustments are always part of the journey." – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

    Tech Path Podcast
    Are Institutions Ready?

    Tech Path Podcast

    Play Episode Listen Later Jun 29, 2025 27:39


    Guest: Kevin Maloney – CEO, iTrustCapital~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul00:00 Intro00:20 Data breach epidemic01:37 New features04:20 Non-IRA institutional custody accounts06:00 Assets10:15 Competition with banks15:05 Demographic19:45 Yield, staking and lending22:40 Top help tokens (minus BTC and ETH)24:30 Data features26:54 Outro#Crypto #Bitcoin #Ethereum~Are Institutions Ready?

    Dobré ráno | Denný podcast denníka SME
    Roth číta Marca: Vysvetľujeme Hlasu: Takto funguje svet

    Dobré ráno | Denný podcast denníka SME

    Play Episode Listen Later Jun 29, 2025 10:30


    Poznáte jeho texty – teraz ich budete môcť aj počuť.Každú nedeľu vo svojej podcastovej aplikácii nájdete trochu iný formát Dobrého rána – Roth číta Marca.Eseje a komentáre publicistu Sama Marca v podaní herca Roberta Rotha.Načítaný text: https://komentare.sme.sk/c/23508488/vysvetlujeme-hlasu-takto-funguje-svet-pise-samo-marec.html–Všetky podcasty denníka SME nájdete na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/podcasty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠–Odoberajte aj audio verziu denného newslettra⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SME.sk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ s najdôležitejšími správami na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/brifing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

    So Money with Farnoosh Torabi
    1845: Ask Farnoosh: Paid Off Mortgage. Now What? College Savings Problems, Roth 401(k) vs Roth IRAs and more

    So Money with Farnoosh Torabi

    Play Episode Listen Later Jun 27, 2025 29:35


    This week's Ask Farnoosh mailbag includes timeless questions with a fresh twist:-What should you do after paying off your mortgage?-How to handle running out of tuition money when your child is in their third year of college.-Is it worth opening a second retirement account beyond your 401(k)?-And what's the real difference between a Roth IRA and a Roth 401(k)?

    Talking Real Money
    Question Time with Tom & Roxy

    Talking Real Money

    Play Episode Listen Later Jun 27, 2025 21:31


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

    PAST 10s: A Top 10 Time Machine
    1975: Captain Davetastic and the Brown Dirt Milt-Boy

    PAST 10s: A Top 10 Time Machine

    Play Episode Listen Later Jun 27, 2025 102:40


    Are you still reading these silly show notes? Honestly, bless your heart. You're a true Time Machiner. Or you're just really bored at work. Anyway, on this week's episode, Dave and Milt climb into the Time Machine and rocket back to June 21, 1975 — the land of lava lamps, fringe vests, and an absolutely bonkers Billboard Top 10 Albums chart. We're talkin' Elton, Earth, Wind & Fire, The Beach Boys, and even Alice Cooper giving us all the Welcome-to-My-Nightmare vibes (spoiler: it's not a lullaby). But wait — Milt's back from Africa! That's right, our Chartmeister went on a literal safari. Lions. Giraffes. Possibly cursed sand. He's got stories, and Dave is mildly concerned for his health and sanity. Oh, and intern Jack "The Fact Machine" Nathanson drops in to host a chaotic 80s music trivia quiz that somehow leads to Warrant, Mr. Roboto, David Lee Roth, and yes, Michael Bolton co-writing a KISS song. You can't make this stuff up. The episode ends (because it has to) with the boys politely kicking some albums off the list and replacing them with stuff they actually like. Sorry, Chicago, but y'all were in your weird phase.

    The REAL Triathlon Podcast
    Challenge Roth Is Coming!

    The REAL Triathlon Podcast

    Play Episode Listen Later Jun 27, 2025 69:44


    In this episode of the Real Triathlon Podcast, hosts Lisa Becharas, Jackson Laundrie, Nicholas Chase, and Garrick Loewen engage in a lively discussion covering a range of topics from personal updates and training challenges to insights on upcoming races and the dynamics of the T100 series. The conversation flows through reflections on past episodes, the importance of social connections in the sport, and practical advice on recovery techniques like cold plunges. The hosts also share their experiences and thoughts on the Roth race, highlighting the excitement and logistics involved. As they wrap up, they touch on the need for more engaging race formats to attract viewers and enhance the sport's appeal. In this episode, the hosts engage in a lighthearted conversation filled with humor and banter, discussing upcoming races, personal training challenges, and the intricacies of triathlon life. They share insights on swim camps, coaching, and the importance of nutrition while also diving into fun segments like 'Pass or Smash' and 'Grind My Gears' where they express their frustrations about airport etiquette and food choices. The episode captures the camaraderie and shared experiences of triathletes, making it relatable and entertaining for listeners.

    The Distraction: A Defector Podcast
    The Stupid Teams Are Even Stupider with Ray Ratto

    The Distraction: A Defector Podcast

    Play Episode Listen Later Jun 26, 2025 65:53


    Defector's own Ray Ratto joins Drew & Roth once again! First up, the NYC mayoral race, and whether New York mayors are a special breed all their own, or if all mayors all across the country are just Like That. Will Zohran Mamdani, fresh off a trouncing of Andrew Cuomo in this week's primary, be any different? Then, speaking of huge paradigm shifts, they talk the NBA Championship. The OKC Thunder are the 7th champion in 7 years - no one's doing dynasties anymore, what gives? And then, with only the briefest diversion for some MLB mishegoss for Ray, they'll dig into the Funbag, answering real questions from real listeners.Do you want to hear your question answered on the pod? Well, give us a call at 909-726-3720. That is 909-PANERA-0!Stuff We Talked AboutNYC mayoral primaryWill the Thunder be a dynasty?Falling down on the moonSponsors- IDEO U, where you can get 15% off sitewide- Raycon, where you can get 15% off Raycon's best-selling Everyday Earbuds- Green Chef, where you can get 50% off your first month, then 20% off for two months with free shippingCredits- Hosts: Drew Magary & David Roth- Producer: Brandon Grugle- Editor: Mischa Stanton- Production Services & Ads: Multitude Podcasts- Subscribe to Defector!About The ShowThe Distraction is Defector's flagship podcast about sports (and movies, and art, and sandwiches, and certain coastal states) from longtime writers Drew Magary and David Roth. Every week, Drew and Roth tackle subjects, both serious and impossibly stupid, with a parade of guests from around the world of sports and media joining in the fun! Roth and Drew also field Funbag questions from Defector readers, answer listener voicemails, and get upset about the number of people who use speakerphone while in a public bathroom stall. This is a show where everything matters, because everyone could use a Distraction. Head to defector.com for more info.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    Early Retirement
    Why Brokerage Accounts Might Be the Most Underrated Tool in Your Financial Plan

    Early Retirement

    Play Episode Listen Later Jun 26, 2025 18:35 Transcription Available


    You've probably heard that maxing out your 401(k) and IRA is the smartest move you can make. But for many investors, that strategy alone may lead to a surprising challenge: becoming "qualified rich, cash poor." In other words, having plenty saved, but locked away in accounts you can't easily access without tax consequences or penalties.That's where the often-overlooked brokerage account comes in.Also called a taxable, individual, or joint account, the brokerage account offers unmatched flexibility. No age restrictions. No early withdrawal penalties. And potential long-term capital gains tax treatment instead of higher ordinary income rates. That can make a big difference when it comes time to actually enjoy what you've saved.More than just a retirement supplement, brokerage accounts give you the freedom to fund mid-term goals, adjust to life's unexpected changes, or even retire earlier. They also play a key role in long-term tax planning by allowing you to pull from different types of accounts—pre-tax, Roth, and brokerage—based on what's most efficient each year.A truly thoughtful financial plan isn't just about growing wealth. It's about having access to it, when and how you need it most.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

    Ready For Retirement
    Why Brokerage Accounts Might Be the Most Underrated Tool in Your Financial Plan

    Ready For Retirement

    Play Episode Listen Later Jun 26, 2025 18:35 Transcription Available


    Retirement accounts like 401(k)s and IRAs often get all the attention, but there's another tool that can play a powerful role in your long-term strategy: the humble brokerage account.Unlike retirement accounts with age restrictions and penalties, brokerage accounts offer flexibility. You can access funds at any time, for any purpose without early withdrawal penalties. That kind of control can be incredibly valuable, especially if your goals include retiring early, helping family, or funding big life moments along the way.Having a mix of account types—pre-tax, Roth, and brokerage—can give you more control over your income and taxes in retirement. It also helps you avoid a common challenge: having most of your wealth tied up in accounts that are difficult (or costly) to access when you need them most.A thoughtful strategy includes more than just maxing out retirement accounts. It's about building flexibility, tax efficiency, and confidence into every stage of your financial life.- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

    Retirement Planning Education, with Andy Panko
    #157 - Q&A edition...bonds and the bond market, paying estimated taxes, converting ALL pre-tax money to Roth and MORE!

    Retirement Planning Education, with Andy Panko

    Play Episode Listen Later Jun 26, 2025 61:52


    Listener Q&A where Andy talks about: A short explanation of bonds and "the bond market" ( 2:48 )Are actively managed bond funds better than passive bond funds ( 21:53 )What are the pros and cons of making all of the year's estimated tax payments in the first quarter ( 30:30 )Why insurers don't offer a long term care product with a 2-3 years elimination period or deductible to cover just LTC needs beyond a few years ( 34:07 )His thoughts on getting retirement income from dividends, Treasury interest and municipal bond interest ( 37:20 )Are there any advisors who specialize in working with couples where only one couple is involved in the household finances ( 42:47 )Are there any disadvantages to converting ALL pre-tax account balances to Roth ( 46:20 )Is disability income considered "earned income" and eligible to make IRA or Roth IRA contributions ( 55:30 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

    Your Money, Your Wealth
    When Do Roth Conversions STOP Making Sense? - 535

    Your Money, Your Wealth

    Play Episode Listen Later Jun 24, 2025 26:43


    Ryan in Texas is in the 32% tax bracket. Where should he save for retirement so he'll be in a lower bracket? Should Weronika in Texas pay the taxes now to convert to Roth for lifetime tax-free growth in the future, even though she's in the 37% tax bracket? And Jerry in Phoenix wonders if there is a point where Joe would come to the conclusion that Roth conversions no longer make sense? Stay tuned for the 7 reasons to consider NOT converting to Roth, today on Your Money, Your Wealth podcast number 535 with Joe Anderson, CFP® and Big Al Clopine, CPA. First up, a word of Roth conversion thanks from Al in Florida. Free financial resources & episode transcript: https://bit.ly/ymyw-535 DOWNLOAD The Ultimate Guide to Roth IRAs Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV RETIREMENT CALCULATION TOOLS: Financial Blueprint EASIRetirement.com (from Boldin, formerly NewRetirement)   ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Insult to a Nose (Scene from Steve Martin movie "Roxanne" - warning, language!)   Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:44 - Thanks for Suggesting a Roth Conversion During the Market Drop (comment from Al, FL) 03:38 - In the 32% Tax Bracket. Where Should I Save for Retirement to Be in a Lower Bracket? (Ryan, TX) 07:57 - In the 37% Bracket: Backdoor Roth or Non-Roth Investments for Retirement Savings? (Weronika, TX) 12:25 - Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV. Calculate your free Financial Blueprint 13:23 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) 25:26 - YMYW Podcast Outro

    Talking Real Money
    Gold Medal Worthy?

    Talking Real Money

    Play Episode Listen Later Jun 24, 2025 45:29


    Don flies solo from Florida while Tom continues his Euro-tour, tackling the deep flaws in Morningstar's mutual fund and target-date fund ratings. He skewers their cozy relationship with high-fee fund companies and explains how commission-based funds keep getting top honors while cheaper, investor-friendly alternatives like Vanguard are buried down the list. Don also fields live calls about asset allocation, inherited IRA distribution rules, Roth IRA contribution strategies, and the all-too-real pain of annuity surrender charges—some as high as 12.5% in year one. 0:04 Don opens solo—Tom's in Germany—and reflects on aging and the Maytag repairman 1:05 A brief history of Don's 40+ year career in financial media and advice 3:05 Praise for Morningstar's data, but heavy criticism of its ratings system 5:04 Morningstar's bias: high-fee target-date funds getting gold medals 9:12 American Funds ranked above Vanguard despite massive commissions 11:01 Don breaks down absurd rankings: T. Rowe, PIMCO, J.P. Morgan all above Vanguard 13:37 Morningstar's “medal” approach ignores cost—key to long-term returns 14:34 When paying more makes sense (hint: not fund fees) 16:41 Why commissions offer zero investor value 18:24 Share class shell games: A-shares vs. C-shares deception 20:40 Call: AVUV vs VT allocation—Don recommends 10% in AVUV 23:43 Weather sarcasm, caller hesitation, and the “Seattle call effect” 25:16 Tease: Surrender charges on annuities—what you don't know can cost you 27:09 Annuities: “safe”… but how safe is 12.5% surrender in year one? 29:35 Call: 43-year-old saving $2,400/year in a Roth and wants to do better 32:39 Don's advice: open an outside Roth, invest in VT, and take the risk quiz 34:39 Call: Inherited IRA RMD rules—Don corrects a past mistake 37:07 Why inherited IRA rules are a legal labyrinth—CPA strongly advised Learn more about your ad choices. Visit megaphone.fm/adchoices

    Talking Real Money
    Low Risk Fantasies

    Talking Real Money

    Play Episode Listen Later Jun 23, 2025 29:17


    Don and Tom expose the seductive illusion of “wealth without risk” by dissecting the explosion of equity-hedged ETFs and mutual funds. They tear into the high fees, low returns, and false promises sold by funds claiming to protect investors from market drops while capturing the upside. With support from recent Wall Street Journal coverage and AQR data, they explain how these “hedging” strategies—especially options-based ones—often underperform simple stock/bond portfolios. Listener questions tackle Roth conversions, AVGE vs. GLOV, and the myth of magical investing pills. 0:04 Investing dreams and chocolate dreams: both come with a price 1:31 Wall Street sells “protection” from volatility—Americans are buying 2:37 Hedged funds as “stock insurance”? More like expensive illusions 3:57 Comparing VOO to PHDG: 13% vs. 4.3% returns 4:54 Downside protection claims fall apart under scrutiny 6:18 Lower volatility, far lower returns—does it help you sleep or retire? 7:34 How these funds work: options-based “protection” explained 8:48 Options decay and premium costs crush performance 9:56 Simpler is better: most “safety” funds fail to beat basic stock/bond mix 11:03 5-year S&P 500 returns: mostly up, and up a lot 11:50 Hedged funds underperform in up years—and still lose in down ones 12:22 Hidden costs in options-based funds aren't in the expense ratio 13:30 Bottom line: no panacea, no magic. Just smart allocation 14:05 Investor responsibility: no one will protect your money but you 14:12 Listener Q&A intro and apology for delay 15:05 Backdoor Roth vs. regular Roth when income is uncertain 16:59 AVGE vs. GLOV: performance vs. philosophy 17:55 GLOV's returns look good—but it's far less diversified 19:21 Passive label vs. reality: GLOV is focused, possibly active 20:38 Short track record makes comparisons tricky 22:04 Don and Tom favor massive diversification over short-term wins 23:42 Set expectations low and you'll be pleasantly surprised 24:49 Ask us anything—and yes, crypto guy left another bad review 26:02 Crypto is “generational”? Maybe, but Don still won't use money he can't spend Learn more about your ad choices. Visit megaphone.fm/adchoices

    Secure Your Retirement
    How to Handle an Inherited IRA Step-by-Step for Beneficiaries

    Secure Your Retirement

    Play Episode Listen Later Jun 23, 2025 28:07


    In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the complexities of Inherited IRAs with special guest Taylor Wolverton, a Certified Financial Planner and Enrolled Agent. They break down what beneficiaries need to know about inherited retirement accounts, including crucial updates introduced under the Secure Act. Whether you're a spouse, non-spouse, or special exception beneficiary, this episode helps you understand how to navigate the rules and avoid costly mistakes when it comes to inherited IRA distributions.Listen in to learn about the different rules based on whether the account was inherited before or after 2020, how the 10-year rule inherited IRA provision works, and how it contrasts with the old Stretch IRA rules. They also explain IRA beneficiary rules for both Roth inherited IRA and traditional IRAs, helping you determine the most tax-efficient strategy for your situation. With insights on Inherited IRA RMD rules, Secure Act IRA changes, and options for non-spouse IRA beneficiaries, this is a must-listen episode for anyone dealing with an IRA inheritance.In this episode, find out:What the 10-year rule inherited IRA really means for beneficiaries.How IRA rules for beneficiaries differ for pre- and post-2020 inheritances.The difference between spousal vs non-spouse IRA beneficiary strategies.How to handle Inherited IRA RMD rules and avoid tax penalties.Why Roth inherited IRA strategies may involve waiting until year 10.Tweetable Quotes:“Just because you're not required to take a distribution every year doesn't mean it's the best strategy for your taxes.” – Murs Tariq“Understanding whether you're a spouse or non-spouse IRA beneficiary changes everything about how you manage the account.” – Taylor WolvertonResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.