Podcasts about roth conversions

Lance Roberts looks at both sides of the Market Cycle—the bullish liquidity-driven momentum and the bearish fundamental weaknesses. With support and resistance levels tightening around the S&P 500, and the Fed meeting, economic data, and major earnings directly ahead, investors must prepare for a market that could swing in either direction in 2026. 0:00 - INTRO 0:18 - Markets Set up for Santa Claus Rally 5:30 - Expect Sloppy Trading This Week 11:22 - Economic Summit, Elf on a Shelf, & Baylor Dating 14:42 - Market Outlook for 2026 16:36 - The Case for Bullishness 21:29: The Bullish Backdrop 24:13 - The Case for Bearishness 27:52 - Stress in Credit markets 28:36 - The Risk for Lower Returns 29:59 - Investing Strategies for 2026 35:06 - Cash Provides Optionality 38:16 - The Cost of Carrying Margin Debt 41:47 - Disposable Personal Income 44:38 - The Google Example & Margin Debt 46:10 - Margin Call call folly Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=tBXSsrMLmSA&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Why Bitcoin Is Lagging the S&P," is here: https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Articles Mentioned in Today's Show: "Bullish Case Or Bearish Backdrop" https://realinvestmentadvice.com/resources/blog/bullish-case-or-bearish-backdrop/ -------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Roth Conversions, Money Rules & Financial Wellness: What Actually Works?" here: https://www.youtube.com/watch?v=PdFmXFB3sW4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.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/ #BitcoinNews #SP500 #MarketUpdate #CryptoMarkets #PreMarket #MarketOutlook2026 #BullMarket #BearMarket #FederalReserve #StockMarketAnalysis

Cody Garrett, CFP®, and Sean Mullaney, CPA, discuss year-end tax planning, tax moves in 2026, fear-based marketing, Roth conversions, asset tax location, and more in the 89th episode of the Bogleheads® on Investing podcast. • • • Jon Luskin, CFP®, a long-time Boglehead and financial planner, hosts this episode of the podcast. 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. 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® on Investing #87: Ed Slott, CPA 2026 Premium Tax Credit Update Bogleheads® YouTube Bogleheads® Live with Sean Mullaney: Episode 40 Bogleheads on Investing with Cody Garrett: Episode 61 • • • The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Jon and the Bogleheads® on Investing podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. 

Jim and Chris discuss listener questions on Social Security family maximum and suspending benefits, a listener PSA on IRMAA premiums, a listener PSA on Medicare premiums, a listener PSA on Social Security claiming strategies, Roth contribution rules, and Roth conversion disadvantages.(4:30) George asks how the combined family maximum benefit works when two retirement records are combined to increase the family limit for auxiliary benefits paid to a spouse and two minor children.(16:00) A listener asks what additional factors should be considered when suspending a Social Security benefit at full retirement age and restarting at 70 after previously claiming early.(30:15) The guys share a PSA in which a listener states that IRMAA is a premium rather than a tax because Medicare enrollment is optional.(37:45) Georgette shares her objections to Chris describing the base Medicare premium as “free” and explains why she feels that is misleading.(44:30) A listener offers a couple of PSAs, first sharing their thoughts on Nokbox, then sharing an article on a Social Security claiming strategy they believe could help people concerned about sequence of returns.(51:00) The guys answer a question about how a 529-to-Roth IRA transfer affects the annual Roth contribution limit when part of the rollover is gains.(56:30) Jim and Chris address what disadvantages exist when choosing a Roth conversion instead of a non-RMD IRA withdrawal when both would be taxable. Show Notes: NokBox Social Security | Readjust your claiming strategy | Fidelity The post Social Security, IRMAA, Medicare, Roth Contribution Rules, Roth Conversions: Q&A #2549 appeared first on The Retirement and IRA Show.

Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period: • Staying in a traditional IRA/401(k) and taking RMDs • A one-time Roth conversion • A gradual, multi-year conversion strategy RIA Advisors' Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Rich also shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations. 0:00 - INTRO 0:19 - The Roth Account Smile 4:40 - Roth Applications for Different Stages of Life 12:41 - Rules Can Save You in a Turbulent World 14:55 - Annuities Should Be Planned, not Sold 15:52 - A Home is a Liability, not an Asset 18:35 - Set Personal Financial Boundaries 20:28 - Debt Control & Savings Priorities 22:05 - Dealing with Student Loan Debt 24:32 - Invest in Yourself 26:37 - Benefits of AI - Look Ahead 28:34 - Setting Good Financial Wellness Standards Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=PdFmXFB3sW4&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Volatility May Precede Santa Claus Rally," is here: https://www.youtube.com/watch?v=CnOnz8np7ps&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Fed Regime Change: Is Groupthink Finally Ending?" here: https://www.youtube.com/watch?v=jvNL-iyGgj0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.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/ #RothIRA #RetirementPlanning #TaxStrategy #IRAConversion #PersonalFinance #FinancialPlanning #WealthManagement #InvestingTips #RetirementPlanning #MoneyMindset

David McKnight addresses three key questions you must be able to answer before executing a single Roth conversion. Too many people go for Roth conversions without a game plan – this is something that can lead to overpaying taxes and running out of money sooner than anticipated. David points out that if you can't answer the three key questions, you should stop and reevaluate because guessing here can cost you big. "What's the total amount I should convert from my IRA or 401(k) to tax-free?" is the first and most critical of the three questions. Remember, the goal of a Roth conversion isn't to get your tax-deferred bucket to zero at all costs. It's to get to the right amount of tax-deferred dollars shifted to tax-free, the amount that allows you to stay in the 0% tax bracket in retirement. "How much should I convert each year?" is the second question and is about pacing your conversion so as to avoid unnecessary exposure to higher tax brackets. The goal is to convert to Roth slowly enough that you don't rise into a tax bracket that gives you heartburn. "Over what time frame should I complete my Roth conversions?" is the third question you should address before executing a Roth conversion. Addressing each of the three questions helps you shift from Roth conversion guesswork to Roth conversion strategy. Be careful. Most financial gurus will say "Roth conversions are great, just pay the tax and move on!"     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight 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 OBBBA (One Big Beautiful Bill Act) Donald Trump David Walker

What’s the most overlooked opportunity in retirement planning? This episode explores the “sweet spot” for Roth conversions, how timing and tax strategy can make a difference, and why only a quarter of adults use a financial advisor for retirement. Damon Roberts breaks down common misconceptions, shares real-life stories, and discusses how to maximize your financial moves before year-end. Plus, hear how holiday traditions and giving back can enrich your retirement journey. 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.

In this episode of Retire With Style, Alex and Wade answer listener questions on key retirement planning topics. They discuss penalty-free withdrawals from 401(k)s, the role of Roth conversions for both younger savers and retirees, and the distinctions between qualified and non-qualified accounts. They also examine how long-term demographic trends may influence market expectations and investment strategies in the decades ahead.   Takeaways The rule of 55 allows penalty-free withdrawals from 401(k) plans if employment is terminated after age 55. Roth conversions should be considered based on current and future tax rates. It's important to fill your standard deduction to minimize tax liabilities. The after-tax safe withdrawal rate differs between account types due to ongoing taxes. Demographic trends are known and factored into market pricing over time. Diversification across asset classes remains a key strategy for long-term investment success. Understanding the implications of RMDs is crucial for tax planning in retirement. Financial planning software can help manage taxes and withdrawals effectively. Chapters 00:00 Introduction and Overview 03:01 Understanding the Rule of 55 10:56 Roth Conversions: Strategies and Timing 21:34 Tax Implications of Withdrawals 25:26 Demographic Trends and Market Predictions   Links 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 McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

Stop letting your birthday decide your bond mix.That “age in bonds” rule feels safe, but it can quietly rob you of growth, freedom, and spending power.In this episode, Ari challenges the traditional 60/40 rule and shows how to build a smarter allocation based on your actual life, not your birth year. Using a real client story—a couple with $2 million in a 401(k), $85K in rental income, and $50K in part-time work—we explore how to balance risk, income, and long-term security without falling into the target-date trap.You'll hear:Why age-based rules and target-date funds often miss the markHow to define risk as losing purchasing power, not watching prices moveWhen higher equity can safely support early retirement dreamsHow to use part-time work, rental income, and Social Security to reduce bond dependenceTurning volatility into an advantage with Roth conversions and tax-smart rebalancingThe “five-year war chest” method for withdrawals without panic sellingIt's not about chasing returns, it's about funding freedom. Learn how to design your portfolio around the life you want, not the rule someone made decades ago.If this conversation helped you rethink your allocation, follow the show, share it with a friend, and leave a quick review.Ready to build a plan that aligns your investments, taxes, and cash flow? Visit https://www.rootfinancial.com/start-here/ to start your custom plan today.-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.

David McKnight busts some of the most common Roth conversion myths that are costing retirees hundreds of thousands – if not millions –  of dollars over the course of retirement. The "Don't worry about Roth conversion, you'll be in a lower tax bracket when you retire" myth is based on two flawed assumptions. The first one is that your lifestyle will drop significantly in retirement, while the second is the one related to future tax rates being the same or lower than they are today. David points out that, in retirement, people want to maintain their lifestyle. In some cases, they even spend more in early retirement (think travels, healthcare and helping with kids or grandkids). Let's remember that the U.S. national debt is projected to hit $63 trillion by 2035. The country has unfunded obligations in Social Security, Medicare, and Medicaid that total over $200 trillion, and interest on the debt is going to crowd out most of the national budget items by the mid 2030s… The primary value of a Roth conversion is that it pre-pays taxes at historically low rates to avoid paying them later when rates are likely to be higher. Roth conversions not being binary, and the fact that you can get massive tax benefits without having to convert your entire IRA is another big myth David debunks. David explains why you should voluntarily pay taxes instead of delaying that decision. Ever heard of "If you don't have cash to pay the tax, you shouldn't convert"? It's another myth David addresses in this episode. For the millions of Americans who have most of their savings in tax-affirmed accounts, strategic conversions are one of the best ways to insulate yourself from the tax freight train bearing down on America.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight 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

Hosted By: Joe Bert CFP® & Dave Balakrishnan CFP® Joe Bert CFP®  and Dave Balakrishnan CFP® take your calls and provide expert answers to your questions on NEWS 96.5 FM. Submit your questions to:  1-844-220-0965 Joe@FinancialGroup.com •  D.Balakrishnan,@FinancialGroup.com   The post Roth Conversions – Is it something I should consider? appeared first on On The Money Podcast.

A Roth conversion can be a powerful tool in your financial planning toolkit. But like most financial strategies, it's not right for everyone, and the timing matters considerably.

Are you risking your retirement by flying blind with your investments? Join Steve Hoyl and Derek Caldwell as they reveal the hidden pitfalls of DIY retirement planning, from Roth conversion tax traps to forgotten 401(k)s. Discover why transparency, active management, and knowing your risk are essential for protecting your life savings. Whether you’re in the retirement red zone or just starting out, this episode uncovers the strategies—and mistakes—that can make or break your financial future. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

What ingredients make for the most optimal Roth conversions? In this episode, I explain what the Roth conversion sweet spot is and why this period of time is the best time to do conversions.

Nick Hopwood, CFP and founder of Peak Wealth Management, shares strategies to help Americans retire with confidence. From navigating market volatility and comparing brokers like Robinhood, Schwab, and Fidelity, to making the most of forgotten 401(k)s and last-minute Roth conversions, Nick covers it all. Get your finances in peak shape before the year ends.  Visit PeakWM.com/Gruber to get in on the last chance for a Roth Conversion before year end!

PFR Nation,It's the most wonderful time of the year…You guessed it…it's ROTH CONVERSION time!

Is your financial strategy ready for the year-end crunch? Discover overlooked retirement moves, new catch-up contribution rules, and smart tax tactics that could help you keep more of your money. Financial advisor Abe Abich breaks down essential steps for maximizing retirement plans, meeting required minimum distributions, and leveraging Roth conversions and tax loss harvesting before the calendar flips. Whether you’re planning for retirement or just want to tidy up your financial “junk drawer,” this episode delivers practical insights for a stronger financial finish. 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.

In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retirees' Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the “widow's penalty,” and the need for better financial education. The episode blends personal stories with practical advice for navigating retirement's hidden tax challenges.(03:25) – From College Athletes to Retirees(04:10) – What Is IRMAA?(06:00) – The Tax Trigger(10:20) – How the Brackets Are Set(13:40) – Tax Planning & the SSA-44 Form(19:45) – Medicare Advantage & IRMAA(23:15) – Strategies to Reduce IRMAA(25:55) – The Widow's Penalty(29:06) - Long-Term Care, RMDs, and IRMA(31:21) - IRMA Certification Details(34:57) - Roth Conversions and Standard DeductionNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

Not all Roth conversions are created equal — and new research shows a clear winner. Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period: • Staying in a traditional IRA/401(k) and taking RMDs • A one-time Roth conversion • A gradual, multi-year conversion strategy We examine how taxes, RMDs, longevity, and investment returns affect the outcome — and why a one-time conversion often comes out ahead if you can handle the upfront tax bill. 0:19 - The Sexiest Word in Finance 4:44 - The Roth Account Smile 7:29 - Roth Applications for Different Stages of Life 10:17 - Tax Hierarchy Considerations 14:09 - The Craft of Retirement Income & Withdrawals 19:07 - Roth as a Legacy Tool 21:22 - A Lifetime of Tax Savings with Roth 24:11 - Why a One-time Roth Conversion is Best Option 30:36 - Reconsidering Gradual Withdrawals 33:12 - Retirement Strategies are Personal 33:53 - Tim Allen, Mike Rowe, & Why Men Don't Work 38:14 - Thanksgiving Wishes Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=8mkgUOAZU7Y&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- The latest installment of our new feature, Before the Bell, "Why This Pullback Isn't a Panic" is here: https://www.youtube.com/watch?v=bb8BeVp7ID8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "How The Fed Deals Liquidity: The Monetary Toolbox" is here: https://www.youtube.com/watch?v=GnB1pog_r_I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.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/ #RothIRA #RetirementPlanning #TaxStrategy #IRAConversion #PersonalFinance

Not all Roth conversions are created equal — and new research shows a clear winner. Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period: • Staying in a traditional IRA/401(k) and taking RMDs • A one-time Roth conversion • A gradual, multi-year conversion strategy We examine how taxes, RMDs, longevity, and investment returns affect the outcome — and why a one-time conversion often comes out ahead if you can handle the upfront tax bill. 0:19 - The Sexiest Word in Finance 4:44 - The Roth Account Smile 7:29 - Roth Applications for Different Stages of Life 10:17 - Tax Hierarchy Considerations 14:09 - The Craft of Retirement Income & Withdrawals 19:07 - Roth as a Legacy Tool 21:22 - A Lifetime of Tax Savings with Roth 24:11 - Why a One-time Roth Conversion is Best Option 30:36 - Reconsidering Gradual Withdrawals 33:12 - Retirement Strategies are Personal 33:53 - Tim Allen, Mike Rowe, & Why Men Don't Work 38:14 - Thanksgiving Wishes Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=8mkgUOAZU7Y&list=PLVT8LcWPeAuhi47sn298HrsWYwmg8MV7d&index=1 ------- The latest installment of our new feature, Before the Bell, "Why This Pullback Isn't a Panic" is here: https://www.youtube.com/watch?v=bb8BeVp7ID8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Our Previous Show, "How The Fed Deals Liquidity: The Monetary Toolbox" is here: https://www.youtube.com/watch?v=GnB1pog_r_I&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Get more info & commentary: https://realinvestm entadvice.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/ #RothIRA #RetirementPlanning #TaxStrategy #IRAConversion #PersonalFinance

Send us a textMany investors have questions about IRAs and Roth IRAs as we approach year-end. On this episode I am joined by Andrew Bishop, a Senior Wealth Strategist at Bernstein. We start with the basics on contribution limits, then dive into the impact of the one big beautiful bill act (OBBBA) on retirement planning, the math around Roth IRA conversions, and then get into some of the complexities of using IRAs for generational wealth planning.  With any questions or comments, or to discuss your own financial situation, I can be reached at marc.penziner@bernstein.com or 212-969-6655.The information presented and opinions expressed are solely the views of the podcast host commentator and their guest speaker(s).  AllianceBernstein L.P. or its affiliates makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor's personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein.

Retiring before Medicare? You might face a tricky balancing act between doing Roth conversions and keeping your health insurance subsidies through the Affordable Care Act (ACA). Tanner Watson, CFP®, helps us unpack a real-life retirement planning case to show how Roth conversions can impact your premium tax credits and what strategies can help you make the most of both. Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/RzfHaemmR3A  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Joe Anderson, CFP® and Big Al Clopine, CPA spitball Roth conversions, capital gains, and retirement readiness from every angle, today on Your Money, Your Wealth® podcast number 556. Joe Momma from Virginia wants to know if his zero percent capital-gains strategy is too good to be true, if he can trust his advisor, and if it's finally time to start converting to Roth. David in Poway is already converting his IRA to Roth, but should they convert his wife Shannon's too? Thomas wonders when in retirement to finally start using the Roth money he's saved, instead of just admiring it. And Lizzy and Billy from Texas want to know if $3.5 million is enough for them to retire in 7 years at ages 62 and 65. Free Financial Resources in This Episode: https://bit.ly/ymyw-556 (full show notes & episode transcript) 2025 Tax Planning Guide - free download Escape These 11 Tax Traps and You'll Save in Retirement - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:46 - Keep 0% Capital Gains or Convert to Roth? Should I Trust My Advisor? (Joe Momma, VA) 12:03 - I'm Converting My IRA to Roth. Should We Convert My Wife's IRA Too? (David & Shannon, Poway, CA) 17:39 - How to Use Roth IRA Money in Retirement (Thomas) 25:34 - Can We Retire at in 7 Years at 62 and 65 on $3.5M? (Lizzy and Billy, TX) 29:33 - Outro: Next Week on the YMYYW Podcast

Is your retirement plan ready for the twists and turns of today’s economy? This episode explores how shifting tax laws, market volatility, and required minimum distributions impact your financial future. Damon Roberts shares real-life stories, practical strategies for tax efficiency, and tips for making smart moves before year-end. Whether you’re decades from retirement or already drawing income, discover actionable insights to help you navigate the new landscape. 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 your retirement plan ready for a “stuck in the mud” economy? This episode with Art McPherson explores how slow growth, new tax rules, and required minimum distributions (RMDs) are reshaping retirement strategies. Discover actionable insights on Roth conversions, budgeting for life after work, and navigating unexpected layoffs—so you can make informed decisions for your financial future without missing key opportunities. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

This episode tackles some of the biggest financial decisions listeners are facing right now. Brian starts with a breakdown of upcoming ACA subsidy changes—why many families may see higher health insurance premiums next year and what planning steps to consider before open enrollment closes. We also cover challenges around financing a CBD/hemp-related business, why traditional banks often won't lend, and what alternative paths may still be available. From there, we dive into real listener questions. One caller wants to know whether a Roth conversion makes sense alongside pension income and future retirement withdrawals. Brian walks through how conversions really work, the tax traps people overlook, and how withholding decisions impact your final bill. Plus, a question about pulling equity from a four-plex to refinance or reinvest. Brian explains the pros and cons of HELOCs, traditional refinances, and VA loan options in the current interest-rate environment.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Most people think retirement success depends on the stock market, but one of the biggest factors that determines whether your money lasts isn't what you invest in, it's when and how you withdraw it.  In this episode, we break down the 3 key tax levers that can dramatically impact your lifetime retirement income: Required Minimum Distributions, Roth Conversions, and Social Security. These income sources are deeply interconnected, and if you don't coordinate them properly, you could pay far more in taxes than necessary.  Learn how the sequence of withdrawals can matter even more than your rate of return, and how a thoughtful strategy can protect your nest egg for decades. Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

What’s the real cost of holiday spending as you approach retirement? This past weekend’s radio show dives into the financial frenzy of the season, the truth about required minimum distributions (RMDs), and why tax planning is more critical than ever. Host Abe Abich shares real stories from local retirees, strategies for Roth conversions, and how a comprehensive retirement roadmap can turn confusion into confidence. 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.

Gene was flying solo with Alyssa traveling on assignment answered questions and explored important topics: At age 68 what income taxes can a retiree expect? When changing jobs should one roll over the old 401(k) into the new 401(k)? What are the mechanics for moving accounts from one firm to another? Tips for year end income tax cutting – 401(k)s, Roth Conversions, QCDs, and gifting. Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

What can a chili cook-off teach you about retirement planning? This past weekend’s show explores why shortcuts might work in the kitchen but can backfire with your finances. Mike Douglas shares real stories about RMDs, Roth conversions, and the importance of building a plan that fits your life—not someone else’s recipe. Plus, hear cautionary tales of windfalls gone wrong and how to avoid costly mistakes as you approach retirement. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

As we close in on year-end, this week's “Henssler Money Talks” tackles three financial decisions that can make a major impact on your long-term plan. First, before you write that last charitable check of 2025, make sure you're doing it strategically. We break down the evolving charitable giving rules—from updated deduction limits to how Qualified Charitable Distributions and Donor Advised Funds can help you give more efficiently. Whether you donate regularly or ramp up your giving at year-end, understanding these rules can help you maximize both your impact and your tax benefit. Next, we dig into a question many listeners are asking: Should you stop saving and pay off the mortgage before retirement? While being debt-free sounds great, it may leave you “house-rich and cash-poor.” We unpack the trade-offs, including how mortgage rates compare to long-term investment returns, the risks of cutting back on 401(k) contributions, and why carrying some debt into retirement may actually support your overall financial flexibility. Finally, we explore the recommended “order to savings”—and why it's not a one-size-fits-all formula. From employer retirement plans to Roth IRAs to taxable brokerage accounts, where you save first can depend on your goals, timeline, and tax picture. We break down the most common prioritization framework and help you think through the right path for your personal situation. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 15, 2025  |  Season 39, Episode 46 Timestamps and Chapters 7:35: Smart Strategies for 2025 Charitable Contributions 21:32: Stop Saving to Pay Off the House? Let's Talk About It.26:58: Your Savings, Your Strategy: Where to Start 38:17: Shutdown Ends, Earnings Season and Selling NVIDIA Follow Henssler:Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/TikTok: https://www.tiktok.com/@hensslerfinancial?lang=enX: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Andy and Ben Brandt from Retirement Starts Today share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Thoughts on Monte Carlo analysis; the good, the bad, the ugly ( 9:10 )Why all retirement plans are ultimately wrong as soon as they're made, and need to be agile and adaptable ( 13:30 )How to try to help people get comfortable spending the money they've accumulated ( 22:53 )Should people care how financial advisors dress? ( 29:18 )Is IRMAA (Income Related Monthly Adjustment Amount) something that needs to be avoided, or is it okay to knowingly pay some IRMAA in the name of longer term tax planning ( 35:12 )Are there any planning considerations or concerns people should have if the government shutdown continues to drag on ( 39:58 )Is renting a home (instead of owning or buying) a home in retirement okay ( 44:27 )Are Donor Advised Funds worth using ( 48:35 )Their thoughts on Artificial Intelligence and how it may impact financial and retirement planning ( 52:52 )Is it okay to pay taxes on Roth conversions by withholding it from the IRA, or should taxes on conversions only be paid with money outside of an IRA, such as in a bank or brokerage account ( 1:00:42 )Links in this episode:Ben's website - Retirement Starts TodayBen's YouTube channel - Even Better RetirementTo 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

Meera and her husband have $4.5 million in retirement accounts and a $430K income. They want guidance on when to start Roth conversions, how much to convert each year, and whether to continue 401(k) contributions. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Jesse returns for the 10th "Ask Me Anything" episode to tackle three listener questions that cut to the core of modern wealth planning. He opens with a deep dive into direct indexing, separating substance from sales pitch. While advocates tout it as the next evolution of indexing—combining personalization and tax-loss harvesting—Jesse explains why, for most investors, the extra complexity, cost, and tracking error outweigh the modest tax advantages, making low-cost ETFs the better long-term choice. Next, he answers a question from a listener whose retirement timeline doesn't align with their spouse's, exploring how couples can navigate income changes, healthcare coverage, and tax strategy when one partner stops working years before the other. He breaks down the pros and cons of filing jointly versus separately, showing why joint filing almost always leads to lower overall taxes and greater flexibility. Finally, Jesse delivers a masterclass on decumulation—the art and order of withdrawing money in retirement. From spending taxable assets first to preserving Roth and HSA accounts for last, he maps out how smart sequencing, Roth conversions, and bracket management can extend portfolio life, minimize taxes, and keep retirees financially steady through every stage of the journey. Key Takeaways:• Direct indexing isn't revolutionary for most investors—it's often an overhyped, higher-cost alternative to low-cost ETFs with limited long-term benefits. • Married filing jointly is almost always the better tax choice, offering lower overall tax rates, higher standard deductions, and broader eligibility for credits. • Before changing filing status, couples should test both scenarios using online 1040 tax calculators to see the real impact on their total tax bill. • Guardrail and Monte Carlo strategies help retirees adjust withdrawal rates dynamically based on market performance, rather than using a rigid 4% rule. • HSAs can be used as stealth retirement accounts, reimbursing decades-old medical expenses tax-free or even acting as traditional IRAs after age 65. • The key to successful retirement planning is flexibility—balancing tax efficiency, market uncertainty, and personal goals to ensure sustainable income for decades. Key Timestamps:(02:24) – Tax Loss Harvesting: Strategies and Examples (10:06) – Direct Indexing: Pros and Cons (17:18) – Financial and Tax Planning for Lopsided Retirements (24:09) – Retirement Withdrawal Order of Operations (32:39) – Real-Life Financial Planning Experiences (40:56) – Roth Conversions and Tax Bracket Management (45:37) – Optimizing for Post-Death and Social Security Timing (52:26) – Common Mistakes in Retirement Withdrawal Strategies Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:https://bestinterest.blog/retirement-withdrawal-order-of-operations/ https://www.guidestone.org/resources/education/calculators/tax/tax1040 https://bestinterest.blog/0-capital-gains-vs-roth-conversions-how-to-optimize-in-your-financial-plan/ https://bestinterest.blog/spousal-survivor-divorced-social-security/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

If you've spent any time on social media or read personal finance blogs, you've likely encountered a buzz around Roth IRAs and, specifically, Roth conversions. This week I'm discussing the details of Roth conversions, what they are, how they work, and why they're crucial for those looking to optimize their retirement finances. Roth IRAs hold a special appeal: the promise of tax-free income in retirement. And most people would agree that having tax free income in retirement is preferable over having taxable income. Yet, for many people, especially those in their 50s and older, most of their retirement savings sit in pre-tax accounts such as traditional IRAs or 401(k)s. Roth conversions offer a pathway for transforming those tax-deferred assets into tax-free retirement income. This episode is packed with practical insights to help you make informed decisions about your financial future. Tune in to learn more and get ready to take your retirement planning to the next level! You will want to hear this episode if you are interested in... [00:00] The appeal of tax-free income during retirement. [04:43] Key rules for Roth conversions. [08:53] Roth conversion strategies for wealth. [11:58] Roth IRA conversion strategy. [14:47] Roth conversion planning tips. Breaking Down Roth IRA Conversions A Roth IRA conversion involves moving funds from a pre-tax retirement account, like a traditional IRA or 401(k), into a Roth IRA. This process requires you to pay taxes now on the amount you convert, but it grants you future tax-free withdrawals. Anyone with pre-tax retirement funds can consider a conversion, but it's important to understand the rules: Every time you do it, it starts a new five year holding period on the money. If you withdraw converted funds too soon, you might face taxes or penalties. One clever strategy we'll discuss is the Roth conversion ladder. By converting sums incrementally over several years, you gradually move money into the Roth IRA, allowing each batch to satisfy the five-year holding requirement. This helps maximize flexibility and minimize penalties if you need access in retirement. Who Should Consider Roth Conversions? So, who stands to gain the most from Roth conversions? Here are a few key candidates: Those anticipating higher future tax rates: If you're in a low tax bracket now but expect to be in a higher one later, converting at today's lower rates can save you significant money down the road. Anyone wishing to avoid required minimum distributions (RMDs): Roth IRAs aren't subject to RMDs, making them valuable for those who want more control over retirement withdrawals. Individuals aiming to leave a tax-free inheritance: Paying conversion taxes now could shield heirs from larger tax bills, especially if they'll be in a higher bracket. Retirees seeking flexibility: Having both taxable and tax-free buckets to draw from allows for smart tax-efficient withdrawals. Timing is also critical. Converting in years when your income dips, due to sabbaticals, career changes, or early retirement, can dramatically lower the tax impact of conversion. How to Calculate If a Roth Conversion Makes Sense It's tempting to jump into conversions, but I advise running the numbers. Consider a hypothetical: If you convert $50,000 at a 12% federal and 5.5% state tax rate, you pay $12,055 in taxes upfront. If you left the funds in a traditional IRA and paid taxes on withdrawals in retirement at a similar rate, the outcome might be similar, but if future rates rise, the Roth wins out. The more time your converted money has to grow, the greater the tax-free benefit. And if you can pay conversion taxes from outside the retirement account, your Roth can grow even more efficiently. Steps to Execute a Roth IRA Conversion Ready to act? Here's an overview of the process: Open a Roth IRA at your provider. Transfer funds from your pre-tax account. Decide how much to convert and how you'll pay the taxes (from conversion or other accounts). Complete the paperwork. Invest the funds, you want growth! Report conversions on your taxes, especially using IRS Form 8606. Roth conversions are a powerful but nuanced strategy. If you're nearing retirement, anticipate higher future tax rates, or want flexibility and legacy benefits, it may be time to explore this option. I'd advise you to consult a financial advisor familiar with your specific circumstances before you make any financial decisions, doing so ensures your Roth conversion fits seamlessly into your broader retirement plan, maximizing tax-free growth for years to come. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

What do skyrocketing gold prices, massive IRAs, and family caregiving have in common? This episode unpacks the financial crossroads facing retirees: whether to rebalance portfolios, manage required minimum distributions, or update legacy plans before the year ends. Jackie Campbell and the team discuss the impact of market highs, tax strategies like Roth conversions, and the emotional realities of supporting aging parents. Discover why proactive planning—especially around taxes and beneficiaries—can help protect your wealth and your family’s future. 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 if a single tax law could change your entire retirement strategy before the year ends? This episode unpacks the “big, beautiful bill” and its surprising impact on deductions, Roth conversions, and income planning. Art McPherson breaks down last-minute tax moves, the realities of today’s economy, and how to cut through the noise to make smart financial decisions. Plus, hear insights from Kenny Chesney on authenticity and balance, and discover why now is the time to review your plan before the window closes. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you ready to turn your retirement savings into a reliable paycheck? Discover how everyday people—just like top athletes and savvy investors—strategically carve out guaranteed income for life. Host Steve Anzuoni shares real stories, expert tips, and actionable strategies for building your own “personal pension,” reducing risk, and making confident decisions as you approach retirement. Whether you’re in your 50s, 60s, or beyond, learn how to balance growth with security and replace your paycheck with smart planning. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

With Jim is away at a conference, Chris is joined by Jake to discuss listener questions on Social Security survivor benefits, and Roth conversion strategies. (6:30) A listener asks how a widow can maximize her Social Security benefit when her late husband had not yet claimed his. (14:15) George seeks guidance on figuring out if […] The post Social Security and Roth Conversion Strategies: Q&A #2545 appeared first on The Retirement and IRA Show.

Pay taxes now or later? It's one of the biggest decisions in retirement planning and the Roth conversion strategy sits at the center of it. We break down how Roth conversions work, why timing is critical, and how they can transform your retirement strategy. They explain how to move pre-tax dollars into a Roth account, what the short-term tax hit really means, and how to avoid common pitfalls such as triggering Medicare surcharges or penalties under the five-year rule. We also touch on how to use Roth conversions strategically for long-term tax savings, including how they help protect surviving spouses from higher tax brackets and reduce required minimum distributions later in life. Understand how Roth conversions can turn your biggest liability—taxes—into your greatest long-term advantage!   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels

Roth conversions might help you save on taxes in retirement, but that doesn't mean you only need Roth IRAs... In this episode, I share why it's actually tax-efficient to have money in a Traditional IRA.

Roth Conversion Secrets Your Financial Advisor Won't Tell You #retirementplanning #retirement #financialplanning #podcast If you've built a portfolio between $2M and $7M, and you're either retired or nearing retirement, this video is for you. I'm Andrew Nida, President of Asset Management Group, Inc., and in this video you'll get a step-by-step, rules-based guide to converting your pre-tax retirement assets into a Roth the right way. No hype. No generalities. Just actionable strategy. You'll learn: The five critical factors we always review for clients in your asset-range (burn rate, age & RMD timeline, future tax rate, estate impact, bracket/IRMAA guardrails). The rules and traps you absolutely cannot ignore (taxable income of a conversion, five-year rule, state tax issues, Medicare surcharge risk). A multi-step plan built for those with $2M–$7M: how to measure, model, convert, monitor. Why 2025-2026 may be one of the last big windows for this strategy (thanks to recent tax law changes). Follow us onX.com: https://x.com/AMGinc_ATLInstagram: https://www.instagram.com/assetmanagementgroupinc/LinkedIn: https://www.linkedin.com/company/amgincatl/Facebook : https://www.facebook.com/beyondtomorrowpodcastWebsite: https://www.assetmg-inc.com/YouTube: https://www.youtube.com/@assetmanagementgroupincTikTok : https://www.tiktok.com/@assetmanagementgroupincBlog: https://www.assetmg-inc.com/blogDisclosureEducational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.roth conversion,Roth Conversion Secrets,finance,retirement planning,roth ira,personal finance,investing,financial planning,conversion,retirement income,social security,taxes,how to invest money,401k,financial advisor,tax strategies,estimated taxes explained,dave ramsey,financial education,ira,IRS,roth ira explained,roth ira vs traditional ira,how to make money,retirement,dividend investing,tax free,medicare,one big beautiful bill,Andrew Nida,Podcast,AMG

What if your biggest retirement risk isn’t the market, but your tax bill? Damon Roberts and Matt Deaton break down a real-life scenario where a massive IRA triggers a tax dilemma, revealing how overlooked tax planning can impact anyone’s nest egg. From Roth conversions to year-end strategies, discover why today’s low tax rates are a window of opportunity—and how even small moves can make a big difference. Plus, hear why complacency in a strong market could cost you more than you think. 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.

Are you overlooking the one factor that could drain your retirement savings? Frank and Frankie Guida reveal how even savvy retirees miss critical tax planning steps, sharing real stories of costly mistakes and strategies to keep more of your hard-earned money. Discover why tax efficiency matters and how the right guidance can transform your financial future. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

What if your retirement plan is packed with hidden fees and missed opportunities? Art McPherson unpacks the value of a second opinion, revealing how overlooked costs in your 401(k) and IRAs can quietly erode your savings. This episode explores new tax rules, Roth conversions, and why gold might deserve a spot in your portfolio. Plus, real stories about travel, charity, and the surprising ways your financial “coach” can make a difference. Get the facts you need to ask better questions and take control of your financial future. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you ready to discover how one decision could boost your retirement income beyond the “4% rule”? This episode dives into new catch-up contribution rules, the power of Roth conversions, and real-life stories of retirees who turned their savings into guaranteed income. Learn how to build a personalized retirement roadmap, tackle rising healthcare costs, and make your money work smarter for your future—all without cookie-cutter advice. 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.

A Roth conversion can be a great strategic tool for reducing overall tax burden, minimizing RMDs, and achieving certain estate planning goals, but only under very specific circumstances. Donna and Nathan run through the variables in the Roth conversion decision process, who benefits most, and the consequences of getting it wrong. Also on MoneyTalk, balancing competing goals, and Special Guest Stock Trivia. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 10/28/2025; Original Air Dates: 11/27/2022 & 10/19/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Joe Anderson, CFP® and Big Al Clopine, CPA tackle one of the trickiest timing questions in retirement planning, today on Your Money, Your Wealth podcast number 553: when should you convert to Roth, while you're still earning, or after retirement? First, James from Texas wonders if it's worth maxing out his high-fee 457 plan, or if he's better off investing in a low-cost brokerage account. Full-time travelers "Lois and Clark" want to know how much they should keep converting to Roth now that they're on Medicare. Ray Charles in Chicago is burned out on corporate life and plans to quit at 55. Is that the perfect time for him to start Roth conversions? And finally, Gun and Rose from Louisiana ask if borrowing again from their 401(k) is a smart move. Free Financial Resources in This Episode: https://bit.ly/ymyw-553 (full show notes & episode transcript) Retirement Lifestyles Guide - free download Ultimate Guide to Roth IRAs - free download Will Your Money Last Through Retirement? - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:56 - 457(b) vs. Brokerage: Are High Fees Worth the Tax Break? (James, TX) 06:43 - Roth Conversions in Retirement: Hitting the Road and the 12% Bracket ("Lois & Clark", FL) 19:54 - Early Retirement Pivot: Quit at 55 and Convert to Roth? ("Ray Charles", Chicago, IL) 33:28 - Should We Borrow From 401(k) For Home Repairs? (Gun & Rose, LA) 38:54 - Outro: Next Week on the YMYW Podcast

David McKnight discusses one of the most destructive pieces of retirement advice he has ever heard: that you should never do a Roth conversion in retirement or within five years of retiring. Dave Ramsey believes you should forego doing a Roth conversion if you're within five years of retirement or are already retired – because of the so-called Five-Year Rule. The problem with this approach, according to David, is that Ramsey is misinterpreting what that rule actually means, in addition to confusing multiple rules and applying them to the wrong people. Ramsey's advice, continues David, encourages retirees to make choices that could cost them a fortune and taxes over time. The bigger issue, however, is the fact that Ramsey is focusing on the wrong thing – what he should really focus on is where tax rates are headed in the future. The current historically low tax rates won't last, as the U.S. national debt is on track to hit $63 trillion by 2035. If that were to happen, the U.S. Congress won't have the luxury of keeping tax rates low anymore. According to former Comptroller General David Walker, tax rates will likely need to double just to keep the Government solvent. A recent Penn Wharton study found that if the U.S. doesn't get its house in order by 2040, no combination of raising taxes or reducing spending will arrest the financial collapse of the nation. David warns that if you're still contributing to or sitting on a big tax-deferred nest egg like a 401(k) or IRA, you're setting yourself up to pay massive taxes in the future. Remember: 2035 is your Roth conversion deadline. David goes through his suggested strategies to avoid paying higher tax rates and potential penalties in the future. Something good to keep in mind is that if you're in the 0% tax bracket and tax rates double, two times zero is still zero… David sees Dave Ramsey as the go-to expert for get-out-of-debt advice, not retirement planning strategy.     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 Dave Ramsey David Walker Penn Wharton

Joe Anderson, CFP® and Big Al Clopine, CPA tackle the fears that mess with even the best-laid financial plans, today on Your Money, Your Wealth® podcast 552. Big Wallet Barbie and Ken from the Midwest have saved millions, but Barbie's still worried about retiring early, buying a new house, and converting to Roth. Is she second-guessing her plans? The fellas spitball for Dan from Florida, who's flying high in the 35% tax bracket and trying to decide between Roth 401(k) contributions and future Roth conversions. They also float a surprising idea - one that's rare on YMYW - for a listener from Chicago who is FIRE'd Up about Roth vs. pre-tax and making a tax-smart wealth transfer. We'll wrap up with a couple of your comments. Free Financial Resources in This Episode: https://bit.ly/ymyw-552 (full show notes & episode transcript) Emotionless Investing Guide The Truth About Your Love/Hate Relationship With Money - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 00:49 - Big Wallet Barbie and Ken's Roth Conversion, Retirement, and Home Purchase Strategy (Barbie Mattel, Midwest) 08:58 - Roth 401(k) Contributions or Roth Conversions? Flying High in the 35% Tax Bracket (Dan, FL) 17:23 - High-Earners Planning FIRE and Wealth Transfer: Roth, Pre-Tax… Life Insurance? (FIRE'd Up, Chicago) 29:56 - Correction on Spousal Social Security Benefits After the Fairness Act (Cindy) 33:37 - Follow Up: The Kids Are Pretty Alright (Lucas, MN) 34:44 - Outro: Next Week on the YMYW Podcast