Podcasts about roth conversions

Jim and Chris discuss listener questions on Social Security timing rules, retroactive benefits for an ex-spouse, investment strategy philosophy, fraternal benefit societies, and Roth conversions.(6:30) The guys address a listener's question about whether applying for Social Security at 70 requires enrolling in Part B or if retroactive filing is an option without losing payments.(16:00) A […] The post Social Security, Risk Philosophy, Fraternal Benefit Societies, Roth Conversions: Q&A #2535 appeared first on The Retirement and IRA Show.

On this episode: An old financial practice is making a comeback. What are the benefits of converting IRA money to Roth? Retirees aren't buying into financial "rules of thumb" anymore. Like this episode? Hit that Follow button and never miss an episode!

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

#243: Discover smarter strategies to grow your wealth and create financial flexibility. We dive into when it makes sense to invest beyond retirement accounts, how to access savings early through Roth conversions and 72(t) distributions, ways to reduce taxes with HSAs, tax-advantaged accounts, and charity, and so much more. Michael Kitces is the Head of Planning Strategy at Focus Partners Wealth, co-founder of XYPN and publisher of a continuing education blog for financial planners, Nerd's Eye View. Link to Full Show Notes: https://chrishutchins.com/smarter-savings-retirement-michael-kitces Partner Deals Mercury: Help your business grow with simplified finances Oceans: Best proactive global talent to level up your work and life OpenPhone: 20% off the first 6 months of your own business phone system DeleteMe: 20% off removing your personal info from the web Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Michael Kitces: Website | Focus Partners Wealth | XYPN Blog Posts The Four Phases Of Saving And Investing For Retirement 3 Types Of Retirement And Their Very Different Savings Strategies Supplemental Saving In An HSA For Retiree Medical Expenses IRA Aggregation Rule And Pro-Rata IRA Taxation Effective Backdoor Roth Strategy: Rules, IRS Form 8606 Strategies For Maximizing (Or Minimizing!) Rule 72(t) Early Distribution Payments Systematic Partial Roth Conversions & Recharacterizations 72t Distribution Calculator ATH Podcast Submit questions for AMA Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (00:53) Should You Max Out Your Retirement Accounts? (05:08) Investing in Your Career as a High-Return Strategy (09:55) Saving in a Taxable Account vs. Retirement Account (13:40) Tax Advantages of a Retirement Account vs. Brokerage Account (16:19) How to Think About Emergency Savings (18:06) Choosing the Best Retirement Accounts (24:21) Reimbursing Medical Expenses via HSA (27:02) Evaluating the Core Retirement Accounts (29:19) Nuances of the Backdoor Roth IRA (30:53) Traditional vs. Roth IRA (32:12) Why the Majority Shouldn't Worry About Tax Brackets (36:58) Roth Conversions in Low-Income Years (Sabbaticals) (39:52) Consolidating and Managing Old 401(k)s (42:05) Can You Access Retirement Funds via Roth Conversions? (42:44) Why Michael Doesn't Practice Roth Conversions Before Retirement (45:36) The Rules for 72(t) Distributions (48:35) Tackling the Account Sequencing Problem (52:16) Leveraging Charity for Tax Deductions (53:58) What Happens When You Leave Money to Your Kids (1:00:43) Where to Find Michael, His Work and Services Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part-time job? Also, "Elwood Blues" in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when "Elwood" can really put down that harmonica. Free financial resources & episode transcript: https://bit.ly/ymyw-544 Complete the 8th Annual YMYW Podcast Survey by 5pm Pacific on August 31, 2025, for your chance at a $100 Amazon e-gift card! (secret password: ymyw) WATCH 15 Maneuvers to Duck an Unplanned Early Retirement Knockout on YMYW TV CALCULATE your free Financial Blueprint 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 with Joe Anderson, CFP® and Marc Horner, CFP® 00:49 - Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA) 12:03 - Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment 13:11 - I'd Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL) 27:10 - Next Week on YMYW Podcast: The One Big Beautiful Bill + More 27:40 - YMYW Podcast Outro

Think retirement means tax-free living? Think again. In this episode of The Art of Money, Art McPherson unpacks the hidden tax traps that catch retirees off guard—from unexpected Social Security penalties to capital gains surprises. Learn how income levels, Roth conversions, and strategic withdrawals can make or break your retirement budget. Plus, discover why focusing on income—not just savings—is the key to lasting financial freedom. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Ted Thatcher discusses his market outlook, citing the U.S. consumer's struggles with inflation and the impact of potential Fed rate cuts. He highlights the performance of large tech stocks, such as Microsoft (MSFT), and their potential for long-term growth driven by AI infrastructure investments. Thatcher also touches on the benefits of Roth conversions in the current market environment, particularly if there's a pullback in the markets. Additionally, he notes the recent outperformance of Alphabet (GOOGL) and its potential for continued growth.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Episode 604: John and Abbie uncover the psychological traps behind common money mistakes. They also share strategies to help you avoid them and set up “Future You” for success. Then, the Money Doctors break down the pros and cons of Roth conversions to help you decide if they're the right move for your financial future.

Think Roth conversions are simple? Think again. In this episode of The Retirement Key, Justin Dobak dives into the strategy behind Roth conversions—timing, tax brackets, Medicare premiums, and legacy planning. Learn how to avoid costly mistakes and why a personalized income plan is key to making Roth conversions work for your retirement goals. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is it possible, common even, to spend a lot early in retirement to celebrate your financial freedom? How do Roth conversions and withdrawals work if you do plan to call it quits around age 57, and spend big early on? Should you convert retirement funds to tax-free Roth after you stop working? Joe Anderson CFP® and our special guest co-host, Marc Horner, CFP® spitball on these topics for "Beavis and Daria" in Texas and "Clark Kent" in Pennsylvania, today on Your Money, Your Wealth® podcast number 543. Plus, the sooner 56-year-old "Tony Soprano" in New Jersey can retire, the better. What tips do Joe and Marc have for him? By the way, Marc is one of the newest principals here at Pure Financial Advisors. He's the founder of Fairhaven Wealth Management, which has just become the newest Pure Financial Advisors Chicagoland office in Wheaton, Illinois - so help us welcome him for his YMYW debut. Free financial resources & episode transcript: https://bit.ly/ymyw-543 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) DOWNLOAD the Withdrawal Strategy Guide for free WATCH Withdrawal Trap Doors 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 01:00 - Spending Higher Earlier in Retirement to Celebrate? How to Convert? Where to Withdraw? (Beavis & Daria, TX) 12:30 - Watch Withdrawal Trap Doors on YMYW TV and Download the Withdrawal Strategy Guide for free 13:36 - Can I Retire at 57 Even With a High Draw Down Rate? Should I Convert After Retirement? Should I Consider an Annuity? (Clark Kent, PA) 28:23 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 29:09 - When Can I Retire? The Sooner the Better. (Tony Soprano, NJ) 37:43 - Next Week on the YMYW Podcast 38:01 - YMYW Podcast Outro

Is the 4% retirement rule outdated—or just misunderstood? Damon Roberts and Matt Deaton unpack the myths, math, and media noise surrounding retirement withdrawal strategies. From Roth conversions and RMDs to alternative income tools and celebrity financial advice, this episode helps retirees navigate the shifting landscape of retirement planning with clarity and confidence. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is the 4% rule outdated? In this episode, Brandon Bowen challenges traditional retirement withdrawal strategies and explores how personalized income planning can unlock more flexibility. From Roth conversions to balancing risk and lifestyle goals, learn how a tailored approach can help you make the most of your savings while supporting the lifestyle you’ve worked hard to achieve. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

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

This week, Andrew and I answer your money questions about the nitty-gritty of retirement planning, complexities of early retirement strategies, roth conversion ladders, what to do with your cash, common investing misconceptions, US vs. international stock investing, and more.Get the full show notes, show references, and more information here:  https://www.insideoutmoney.org/124-listener-qa-with-andrew-us-vs-international-investing-457b-plans-roth-conversion-ladders-when-to-stop-contributing-to-your-401k-tracking-hsas-expenses-and-more/

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

On this week's Money Matters, Scott and Pat answer real-life questions about retirement planning strategies that every pre-retiree should hear. One caller asks whether it's better to build a cash bridge or continue Roth IRA contributions ahead of retirement—prompting a thoughtful breakdown of retirement planning strategies around income gaps, Social Security timing, and tax-smart withdrawals. You'll also hear about the role Roth conversions can play between retirement and age 70, how pensions and spousal benefits factor into planning, and why detailed income modeling is key. Scott and Pat also touch on risks tied to high-yield municipal bonds and illiquid assets, offering a broader context for smart portfolio construction. If you're planning to retire in the next few years, this episode delivers essential, real-world retirement planning strategies that can help you retire with clarity and confidence. 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.        

Ed Slott, CPA, is a nationally recognized IRA distribution expert, professional speaker, television personality, and best-selling author. He is known for his unparalleled ability to turn advanced tax strategies into understandable, actionable and entertaining advice. He has been named “The Best Source for IRA Advice” by The Wall Street Journal, and USA Today wrote, “It would be tough to find anyone who knows more about IRAs than CPA Slott.” • • • This episode of the podcast is hosted by Jon Luskin, CFP®, a long-time Boglehead and financial planner. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance, and relevant information to other investors of all experience levels at no cost. The organization supports a free forum at Bogleheads.org, and the wiki site is Bogleheads® wiki.    Since 2000, the Bogleheads have held national conferences in major cities across the country. The 2025 conference will take place in San Antonio, Texas, from October 17 to 19. In addition, local Chapters and foreign Chapters meet regularly, and new Chapters form periodically. All Bogleheads activities are coordinated by volunteers who contribute their time and talent.   This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012. Your tax-deductible donation to the Bogle Center is appreciated.   Show Notes: Bogleheads® Live with Mike Piper: Episode 36 Bogleheads® Live with Mike Piper: Episode 23 Bogleheads® Live with Mike Piper: Episode 9 Bogleheads® Live with Sean Mullaney and Cody Garrett: Episode 11 Bogleheads on Investing with Cody Garrett: Episode 61 Asset Location For Stocks In A Brokerage Account Versus IRA Depends On Time Horizon Bogleheads on Investing with Phil Demuth, “The Tax-Smart Donor”: Episode 83

On this Ask Suze & KT Anything episode, KT asks Suze your questions about Roth Conversions, Bitcoin, and home titles. Plus, the correct way couples should split expenses and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

Tired of sifting through retirement noise and myths? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase unpack practical strategies and honest conversations to help you navigate your retirement journey with confidence—wherever you may stand today. • Question what "Is the 60/40 Dead?" means for balanced investing and consider how classic stock/bond allocations might still fit modern portfolios. • Analyze the evolution of balanced portfolios and prioritize flexibility and personalization to match your unique goals. • Evaluate the benefits of working with a fiduciary advisor versus managing a low-cost index fund portfolio on your own. • Clarify the mechanics of Roth conversions, including tax management, employer plan rules, and common pitfalls like the pro rata rule. • Assess the advantages and drawbacks of using self-directed brokerage windows within your 401(k) and identify key considerations. • Uncover the realities behind the Great Wealth Transfer and plan for receiving and leaving inheritances thoughtfully with estate planning insights. • Emphasize the importance of communicating family values and wishes about money to help facilitate smoother inheritance discussions. • Compare the tax efficiency of target-date ETFs versus mutual funds when shaping your taxable investment approach. • Decode fully paid lending programs from brokerages such as Fidelity and weigh the implications of loaning your stock holdings. • Consider appropriate asset allocations for elder care responsibilities when acting as a power of attorney, factoring in rising costs and longevity. Empower your retirement future with practical, actionable knowledge from this episode. Listen and subscribe to the Retire Sooner Podcast to stay informed on real-world financial strategies that may help support your goals. Learn more about your ad choices. Visit megaphone.fm/adchoices

"Rubble and Skye" in Minnesota want to spend $65,000 a year in retirement, and they'll have $67K in annual fixed income. Are they cutting it too close? "Atouk and Tala" in New Jersey will have retirement money, Social Security, and “Lumpy,” their lump sum pension - will they be okay? We'll find out today on Your Money, Your Wealth® podcast number 542 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, should David in Redondo Beach California use his Roth money to buy a home? And what do the fellas think about "Charlie Pepper" in Colorado using a home equity line of credit (HELOC) for retirement spending, instead of living off of pre-tax money? Free financial resources & episode transcript: https://bit.ly/ymyw-542 DOWNLOAD the Investing Basics Guide WATCH Financial Boot Camp on YMYW TV COMPLETE the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 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 00:43 - $250K Saved, $67K Fixed Income, $65K Spending. Are We Cutting Retirement Too Close? (Rubble & Sky, MN) 05:20 - We Have a $700K Pension, $335K Retirement, Plus Social Security. Will We Be OK? (Atouk and Tala, NJ) 13:14 - Watch Financial Boot Camp on YMYW TV, Download the Investing Basics Guide 14:03 - Should I Use My Roth Money for a Home Purchase? (David, Redondo Beach, CA) 21:03 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 22:01 - HELOC vs. Pre-Tax Account for Retirement Spending (Charlie Pepper, CO) 34:23 - Next Week on YMYW Podcast: Guest Co-Host Marc Horner, CFP® 34:53 - YMYW Podcast Outro

What do Bill Murray, inherited IRAs, and the 84-trillion-dollar wealth transfer have in common? In this episode, Damon Roberts and Matt Deaton explore the financial and emotional realities of passing down wealth, the tax traps of inherited IRAs, and how to avoid costly mistakes. Plus, a candid conversation with Bill Murray on quality of life, investing regrets, and why restaurants might be the worst investment ever. It’s a mix of humor, insight, and practical retirement planning you won’t want to miss. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What does a 360° retirement roadmap really look like? In this episode of Beyond the Money, Jackie Campbell breaks down the essentials of smart tax planning, legacy protection, and financial clarity. From the impact of Roth conversions and the silver tsunami of wealth transfer to a candid moment with Bill Murray on quality of life, this episode blends practical advice with heartfelt insight. Whether you're nearing retirement or already there, this conversation helps you align your money with your purpose. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Is your retirement plan built to withstand inflation, taxes, and market volatility? In this episode of Your Retirement Radio Podcast, Kevin Madden breaks down how to navigate Required Minimum Distributions (RMDs), the risks of private equity in 401(k)s, and the power of Roth conversions. Whether you're 10 years out or one year away from retirement, learn how to align your financial tools with your goals and build a strategy that brings peace of mind and long-term stability. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Scott Brown with Edgewater Family Wealth answers listeners' questions including one about Roth Conversion in your 401k. Scott also talks about why he named his book what he did, before discussing how the economy is really doing.See omnystudio.com/listener for privacy information.

Joel Landon is based in Salt Lake City where he helps investors administer their retirement savings. On today's show we are talking about how to use a Roth Conversion as a tax efficient method for investing in real estate. This is not a rookie move, and of course we are not providing tax advice on this show. Consult your own tax specialists who are familiar with your specific circumstance. To connect with Joel, visit https://heritageira.com/joel-landon/ or email him directly at joel@heritageira.com. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

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

On this episode: Taxes, the markets, inflation, and your health. Don’t assume it will remain the same. How often do you hear from you advisor? It’s a problem, but a good problem. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Pam and Jim in Phoenix are 38 and 41 and want to retire at 59 and 62. Matt and his wife in Pennsylvania are both 39 and want to retire at 57. Are these millennials on the right financial path, or have they brunched and YOLO'd away their retirement dreams? That's today on Your Money, Your Wealth® podcast number 541 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, do Roth conversions make sense for Will and Jane in New York, given their high income and high tax bracket? Which pension option is best for their circumstances? Finally, the fellas spitball for Juan's mother in Florida on how long-term capital gains on the installment sale of her company will be taxed. Free financial resources & episode transcript: https://bit.ly/ymyw-541 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! LIMITED TIME OFFER: Download The Money Makeover Guide before this Friday, August 8, 2025! WATCH Complete Money Makeover 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 00:44 - We're Millennials. Have We Brunched and YOLO'd Away Our Retirement Dreams? (Pam & Jim, Phoenix, AZ) 12:10 - We're 39 With $840K. Can We Retire at Age 57? (Matt, PA) 22:57 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 23:53 - Do Roth Conversions Make Sense Given Our High Income and Tax Bracket? What Pension Option is Best? (Will and Jane, NY - voice) 37:04 - Watch Complete Money Makeover on YMYW TV, Download the Complete Money Makeover Guide before Friday, August 8, 2025! 37:46 - How Will Long Term Capital Gains on the Installment Sale of My Company Be Taxed? (Juan's Mother, FL) 47:50 - YMYW Podcast Outro  

What’s the biggest surprise in retirement? Taxes. In this episode, Damon Roberts and Matt Deaton reveal how 31% of every retirement dollar may go to taxes—and why that number could climb. Learn how Roth conversions, Social Security timing, and smart income strategies can help you keep more of what you’ve saved. Plus, hear real stories of retirees gaining confidence to spend, adjust their income, and create lasting memories—all backed by a comprehensive plan that protects against market downturns and rising costs. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Would you spend more time planning a Disney trip than your retirement? In this episode, Jackie Campbell explains how the Retirement Map helps you visualize your financial future, reduce taxes, and build a plan that supports your lifestyle and legacy. From RMD strategies and Roth conversions to budgeting for adult children and stress-testing your income, Jackie shares real-life stories and practical advice to help you retire with confidence. Whether you’ve saved $500K or $5M, it’s not about how much you have—it’s about how you plan. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

What should you do with an unexpected inheritance—or one you know is coming? In this episode, Brandon Bowen walks through how to turn a windfall into long-term financial strength. From income planning and tax strategies to Roth conversions and growth-focused portfolios, he shares real-life stories and practical steps to help you make smart, confident decisions. Whether you’re navigating a recent inheritance or preparing for one in the future, this episode is packed with insight to help you make the most of it. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Can Beth and Rip retire early, spend more, and Die with Zero? When should they claim Social Security? Forrest and Jenny have 10 rental properties at age 31. Can they retire at age 50? (And what makes you a real estate professional from a tax perspective?) Plus, what are the rules for spousal IRA contributions and required minimum distributions? Memphis wants to know. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW audience members who are definitely not fictional characters, today on Your Money, Your Wealth® podcast number 540. Free financial resources & episode transcript: https://bit.ly/ymyw-540 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV CALCULATE your free Financial Blueprint 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 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 00:35 - Intro: This Week on the YMYW Podcast 01:13 - Can We Retire Early, Spend More, and Die With Zero? When Should We Collect Social Security? (Beth and Rip, FL - voice) 12:06 - Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV Calculate your Financial Blueprint Schedule a Free Assessment 13:41 - We Have 10 Rental Properties at Age 31. Are We on Track to Retire at Age 50? (Forrest and Jenny, Cherry Hill, NJ - voice) 20:04 - Spousal IRA Contributions and RMD Rules (Memphis) 32:23 - YMYW Podcast Outro

Is $5 million really the magic number for retirement? In this episode of Success in the New Retirement, Damon Roberts and Matt Deaton break down what truly matters—your income needs, not arbitrary savings goals. They share real client stories, explain how to bridge income gaps with smart strategies like Roth conversions and structured notes, and reveal why efficient income planning can help you retire sooner and with more freedom. Whether you're behind on savings or ready to optimize your nest egg, this episode offers practical steps to build a retirement plan that works for you. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if your retirement plan could turn taxes into opportunity? In this episode, Kevin Madden breaks down how recent tax law extensions open the door for strategic Roth conversions and smarter estate planning. He also weighs in on the risks of over-relying on the “Magnificent Seven” tech stocks and explains why now might be the time to lock in high annuity rates. Plus, a candid look at why so few people work with financial advisors—and why that could be a costly mistake. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

What if your retirement plan could weather any storm? In this episode of the Retire(meant) for Living podcast, JoePat Roop breaks down the three key pillars of a successful retirement: income, protection, and tax-smart legacy planning. From Roth conversions and recession-proofing your savings to avoiding costly tax mistakes, JoePat shares real-world stories and strategies to help you retire with confidence—no matter what the headlines say. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Think DIY tax planning is saving you money? It might be costing you more than you realize. In this episode, Abe Abich breaks down why retirement tax strategy is too complex to tackle alone. From Roth conversions to RMDs and legacy planning, they explore how working with a fiduciary advisor can help you avoid costly mistakes and build a more tax-efficient future. Click here for Abe's 2025 Tax and Benefit Guide. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

On this week's Money Matters, Scott and Pat tackle real-life financial questions from listeners across the country. From a 74-year-old millionaire navigating Roth conversions and legacy planning, to a military retiree wondering if he's behind financially—this episode covers the full spectrum of money challenges. Plus, insights on private investments sneaking into 401(k)s and the financial upside of flying business class. Honest, helpful, and always practical. 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.

Chris is joined by Jake and Jacob to answer listener questions on Social Security, followed by a PSA about unexpected Social Security payment timing, then additional questions on transition planning, asset positioning across account types, weighing Roth conversions against the senior deduction, and planning around IRMAA.(6:15) George asks what percentage of taxes he should have […] The post Social Security, Transition Planning, Positioning, Roth Conversions, IRMAA: Q&A #2530 appeared first on The Retirement and IRA Show.

Roger in Canton, Ohio, is burnt out. Can he and his wife Jane pre-retire next year in their mid-50s with $2.8 million? Joe and Big Al spitball on whether they'll still have enough money for their Go-Go years, Joe's favorite, today on Your Money, Your Wealth® podcast number 539. Roger also has an employee stock purchase plan. For the best asset location strategy, should he max out the ESPP at a 15% discount, convert to Roth IRA, build his brokerage account, or a little of all the above? Speaking of asset location, some of our YouTube viewers object to the idea of putting higher performing assets in your Roth account. They say you can't write off the losses and you'll be exposed to sequence of returns risk. Stick around for Joe and Al's response. Free financial resources & episode transcript: https://bit.ly/ymyw-539  DOWNLOAD Why Asset Location Matters for Free CALCULATE Your Free Financial Blueprint WATCH Recipe for Retirement | Retirement Plans Explained 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 02:03 - I'm Burned Out. Can I Pre-Retire Next Year? (Roger & Jane, Canton, OH) 11:46 - Watch Recipe for Retirement | Retirement Plans Explained on YMYW TV and Calculate Your Free Financial Blueprint 12:50 - Would You Rather for Asset Location: Roth vs. Brokerage? Roth vs. ESPP with 15% Discount? (Roger & Jane, Canton, OH, cont'd) 21:08 - Higher Performing Assets in Roth Exposes You To Sequence of Returns Risk and You Can't Write Off  The Losses (YouTube comment) 24:54 - Next Week on the YMYYW Podcast 25:27 - Download Why Asset Location Matters for Free

What if you could retire with zero taxes? In this episode, Mike Canet & Lawrence Kiely unpack the “Big Beautiful Bill” and its real impact on Social Security, Roth conversions, and long-term tax planning. They break down how seniors can leverage new deductions, why tax efficiency is more critical than ever, and how proactive planning today could potentially save your heirs hundreds of thousands of dollars tomorrow. It’s not just about saving money—it’s about keeping more of what you’ve earned. Want to begin building your retirement and tax plan? Schedule a call with us here:

Brad and Rachael Camp tackle listener-submitted questions focusing on bonds, retirement strategies, pensions, and optimizing Roth IRA conversions. Rachael Camp, a Certified Financial Planner, sheds light on various financial independence (FI) strategies—discussing the impact of interest rate volatility on bond investments, the importance of tax planning during retirement, and navigating unexpected inheritances. Timestamps and Key Topics 00:01:10 - Introduction to Bonds 00:03:15 - Bonds vs. Bond Funds 00:24:07 - Pension Strategies 00:27:29 - Roth IRA Conversions 00:45:11 - Handling Inheritance and Taxes Key Insights Understanding Bond Dynamics: Timestamp: 00:04:10: Understanding the inverse relationship between bond prices and interest rates is crucial. Timestamp: 00:16:30: Review your bond strategy annually to assess risks associated with interest rate changes. Bond Funds vs Individual Bonds: Timestamp: 00:21:24: For long-term strategies, individual bonds and bond funds often perform similarly. If you consistently reinvest mature bonds, you effectively manage the same risk as a bond fund. Pension Ramifications: Timestamp: 00:25:53: Use your pension wisely to enhance your tax strategy! Roth IRA Conversion Strategy: Timestamp: 00:34:10: Maximize your savings with strategic Roth conversions, particularly before pension income starts. Inheritance Implications: Timestamp: 00:46:21: Evaluate the impact of any inheritance on your overall tax strategy carefully. Actionable Takeaways Regularly assess your bond exposure and adjust according to market conditions. Prioritize Roth conversions during income gaps in your retirement timeline to leverage low tax brackets. Plan your inheritance withdrawals strategically over the 10-year required period to mitigate tax impacts. Frequently Asked Questions What is the difference between bond funds and individual bonds? Bond funds are collections of bonds that continue to reinvest, while individual bonds are purchased with a fixed interest rate and maturity. This influences cash flow needs and risk tolerance. Timestamp: 00:10:40 How do Roth conversions affect my tax bracket? Roth conversions can fill your tax bracket before pensions begin to reduce available space, maximizing tax efficiency of your retirement income. Timestamp: 00:34:10

Chris and Jake address listener questions on Social Security, single premium immediate annuity (SPIA) taxation, IRMAA impacts from NQDC payments, and Roth conversions. (9:45) George asks whether the restricted application strategy for Social Security spousal benefits is still possible, and if so, whether birth year requirements apply, along with what changed after the 2015 law […] The post Social Security, SPIA Taxation, IRMAA, Roth Conversions: Q&A #2529 appeared first on The Retirement and IRA Show.

What is a Roth IRA, and How can you use a Roth to build wealth?   On this episode of Through The Pines, we'll discuss all things Roth IRA's, including…   Roth vs. Traditional IRA's What is a Backdoor Roth Contribution? When can you do Roth Conversions? What is a MEGA-Backdoor Roth? Does your 401K Allow Roth's? 3 Money Types in a Roth IRA What is the 5 Year Rule?   Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while Rollerblading the Newport Beach Boardwalk, this is Through the Pines.   Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com   2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah -  Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award -    Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates   Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2   __________________________________________________________________________   This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah.   ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia   WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/   Through the Pines  -  Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.   ****   This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.   Through the Pines Podcast Copyright, The Banyan Collective - 2025

What is a Roth IRA, and How can you use a Roth to build wealth?   On this episode of Through The Pines, we'll discuss all things Roth IRA's, including…   Roth vs. Traditional IRA's What is a Backdoor Roth Contribution? When can you do Roth Conversions? What is a MEGA-Backdoor Roth? Does your 401K Allow Roth's? 3 Money Types in a Roth IRA What is the 5 Year Rule?   Welcome to a Financial Planning Podcast with a down to earth vibe Sasquatch listens while Rollerblading the Newport Beach Boardwalk, this is Through the Pines.   Our Advisors for this episode, we welcome back Rex Baxter and Brandyn Smith from planwithbaxter.com   2023, 2024 & 2025 Forbes Best in State Wealth Management Teams For Utah -  Advisor Hub Fastest Growing Advisors to Watch under 1 Billion - Receivers of the Ameriprise Client Experience Award -    Financial Advisors: Baxter, Smith & Associates Contact: rex.m.baxter@ampf.com Website: https://www.ameripriseadvisors.com/team/baxter-nelsen-associates   Notes: Refer to Ameriprise 2024 Stock Market Year in Review: https://www.ameripriseadvisors.com/rex.m.baxter/insights/2024-stock-market-reflections?CID=MOD_ME_1224_C_2   __________________________________________________________________________   This podcast was produced by The Banyan Collective and recorded in our camp trailer studio located inside the Monarch Building inside the 9 Rails Arts District on Historic 25th Street in Ogden, Utah.   ***Find value in this podcast, consider supporting us here: https://www.buymeacoffee.com/banyanmedia   WATCH & SUBSCRIBE to us on YouTube @throughthepines LIKE our Facebook Page: https://www.facebook.com/pinespodcast Follow our Instagram: https://www.instagram.com/pines_podcast/   Through the Pines  -  Reminding you to use Yesterday's Dollars to Finance Tomorrow's Dreams.   ****   This episode includes financial advice from professionals. Visit the financial planners in this podcast at www.planwithbaxter.com The Banyan Collective & Host, R. Brandon Long are not the financial professionals - podcast pro's, maybe - money men, not so much.   Through the Pines Podcast Copyright, The Banyan Collective - 2025

Join Brian J. Decker and Marc Knauss, CFP(R) on this week's episode of Safer Retirement Radio as they uncover why your traditional IRA might be a tax “loan” to the IRS—and how smart Roth conversion planning can turn the tables in your favor. From real-world illustrations of IRA tax bills topping $1.4 million to step-by-step guidance on: IRA Inefficiency: How deferral becomes a hefty tax liability for you —and your heirs Roth Conversions: Why paying taxes now can yield tax-free growth and a far larger legacy Medicare IRMAA: How distributions affect your Medicare premiums (and how to avoid spikes) Advanced Strategies: QDRO “happy divorces,” donor-advised funds, dynasty trusts, cost-segregation for real estate, and more Whether you're retired or close to retirement, the right tax plan can boost your retirement income, protect against future rate hikes, and maximize what you pass on. Tune in and discover: Real numbers: $1 million IRA → $1.4 million paid to the IRS vs. $319 000 with a Roth plan When and how to convert for maximum impact Estate-planning moves to shelter assets from both income and estate taxes

SPAC's (Special Purpose Acquisition Companies) are making headlines again. Lance Roberts & Danny Ratliff break down why SPAC investing is back in 2025, what's driving the latest SPAC market trends, and what investors need to know before jumping in. Are these deals a golden opportunity or another speculative bubble? Earnings Season continues with Banks' reports and the effects of stock buy backs beginning to wane. Tuesday's CPI print had something for everyone; will PPI finally show effects of tariffs? We're preparing for 3-5% correction by mid-August or September. Will President Trump replace Jerome Powell at the Fed? What really matters is what markets wants: An independent Fed. Should the Fed be cutting rates now? (The Fed is always late.) Lance & Danny discuss who really pays tariff fees (producers); eating out and budget leakage. Wall Street will sellyou anything you want, even when you don't know what it is yet: SPAC's are back, along with a voracious appetite for risk. When investors are all-in, that sets up for correction. Danny describes new challenges to Roth Conversions under the Big Beautiful Bill...and impromptu revelation of grade school antics and interpersonal relationships...and commentary on speculative risk returning to the market. SEG-1: Bank Earnings Review, PPI Preview, and Contrarian Indicators SEG-2: Will Trump Replace Powell? SEG-3: SPAC's are Bank - Will St. Will Sell You What You Want SEG-4a: Roth Conversations Under the Big Beautiful Bill SEG-4b: If Lance Was a Bully SEG-4c: Speculative Risk Returns to the Market Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=MaCxUW2BClU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Articles mentioned in this report: "Turtle Trading" "Is The Dollar Setting Up For A Comeback?" https://realinvestmentadvice.com/resources/blog/is-the-dollar-setting-up-for-a-comeback/ "Relative Returns Or Absolute. What's More Important?" https://realinvestmentadvice.com/resources/blog/relative-returns-or-absolute-whats-more-important/ ------- The latest installment of our new feature, Before the Bell, "Bullish Sentiment is a Contrarian Indicator," is here: https://youtu.be/4k2AfV8moZ8 ------- Our previous show is here: "Two Dad's on Money," https://www.youtube.com/watch?v=Rm-FNuRdgB0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next live webinar, "RIA Retirement Blueprint," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #MarketRisk #BullishSentiment #ContrarianIndicator #Technology #LiberationDay #EarningsSeason #RiskManagement #PortfolioRisk #PortfolioManagement #SPACs #SPACInvesting #StockMarketTrends #InvestingNews #FinancialMarkets #InvestingAdvice #Money #Investing

SPAC's (Special Purpose Acquisition Companies) are making headlines again. Lance Roberts & Danny Ratliff break down why SPAC investing is back in 2025, what's driving the latest SPAC market trends, and what investors need to know before jumping in. Are these deals a golden opportunity or another speculative bubble?  Earnings Season continues with Banks' reports and the effects of stock buy backs beginning to wane. Tuesday's CPI print had something for everyone; will PPI finally show effects of tariffs? We're preparing for 3-5% correction by mid-August or September. Will President Trump replace Jerome Powell at the Fed? What really matters is what markets wants: An independent Fed. Should the Fed be cutting rates now? (The Fed is always late.) Lance & Danny discuss who really pays tariff fees (producers); eating out and budget leakage. Wall Street will sellyou anything you want, even when you don't know what it is yet: SPAC's are back, along with a voracious appetite for risk. When investors are all-in, that sets up for correction. Danny describes new challenges to Roth Conversions under the Big Beautiful Bill...and impromptu revelation of grade school antics and interpersonal relationships...and commentary on speculative risk returning to the market. SEG-1: Bank Earnings Review, PPI Preview, and Contrarian Indicators SEG-2: Will Trump Replace Powell? SEG-3: SPAC's are Bank - Will St. Will Sell You What You Want SEG-4a: Roth Conversations Under the Big Beautiful Bill SEG-4b: If Lance Was a Bully SEG-4c: Speculative Risk Returns to the Market   Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Senior Financial Advisor Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=MaCxUW2BClU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Articles mentioned in this report: "Turtle Trading" "Is The Dollar Setting Up For A Comeback?" https://realinvestmentadvice.com/resources/blog/is-the-dollar-setting-up-for-a-comeback/ "Relative Returns Or Absolute. What's More Important?" https://realinvestmentadvice.com/resources/blog/relative-returns-or-absolute-whats-more-important/ ------- The latest installment of our new feature, Before the Bell, "Bullish Sentiment is a Contrarian Indicator," is here:  https://youtu.be/4k2AfV8moZ8 ------- Our previous show is here: "Two Dad's on Money," https://www.youtube.com/watch?v=Rm-FNuRdgB0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Register for our next live webinar, "RIA Retirement Blueprint," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketRally #MarketRisk #BullishSentiment #ContrarianIndicator #Technology #LiberationDay #EarningsSeason #RiskManagement #PortfolioRisk #PortfolioManagement #SPACs #SPACInvesting #StockMarketTrends #InvestingNews #FinancialMarkets #InvestingAdvice #Money #Investing

George and Weezy in the land of Lincoln will have deferred compensation and wonder if they can retire in mid-2026, or even earlier. Will they have enough? Should Jenn in Ohio move with work, take a break, or just retire? She asks Joe Anderson, CFP® and Big Al Clopine, CPA for a brutally honest spitball, today on Your Money, Your Wealth® podcast 538. Plus, Seth isn't sure if he can afford to stay retired at age 52, and whether he should convert his retirement savings to Roth, so he uses an AI voice to ask the fellas for his spitball. And Leon uses his real voice to ask whether REIT ETFs are a good way to get into real estate investing. (Until Big Al returns from his extended European Vacation, enjoy an encore presentation of these questions from an October 2024 episode of Your Money, Your Wealth podcast.) Free financial resources & episode transcript: https://bit.ly/ymyw-538  Test your knowledge: take our Retirement Pop Quiz Watch Retirement Pop Quiz: 18 Questions To Get You Ready to Retire on YMYW TV Download the Retirement Readiness Guide for free Email Us and Request a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life on Kindle!  Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers 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 01:03 - Can “George and Weezy” Retire in 2026 or Earlier With Deferred Compensation? (IL) 12:17 - Pop Quiz, Retirement Readines Guide 13:02 - Should I Move With Work, Take a Break, or Retire Now? Be Brutally Honest (Jenn, OH) 17:43 - Can I Stay Retired at Age 52? Should I Convert Retirement Savings to Tax-Free Roth? (Seth, Montana, AI voice) 24:34 - Ask Joe & Big Al for your Retirement Spitball Analysis, Schedule a Free Financial Assessment 25:30 - Are REIT ETFs a Good Way to Get Into Real Estate Investing? (Leon, Chicago - voice) 33:56 - Request a Free Kindle Copy of The Best of Jonathan Clements,  Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers

In today's Five Question Friday we look at the following questions:1. How should the $6,000 senior deduction affect Roth conversions?2. Are short-term bonds a reasonable alternative to intermediate-term bonds?3. Are tax-managed balanced funds ok in a taxable account?4. How should I invest money I'll use to pay the rent in retirement?5. Boldin vs ProjectionLab for Roth conversion analysis?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

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