Podcasts about Roth IRA

Logan and Quint dive into a whether or not a Roth IRA is a good option for your financial plan. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Streaming was supposed to save us money. Instead, it quietly rebuilt cable… with better branding and worse self-control. Don and Tom trace the journey from rabbit-ear TV to today's subscription sprawl, where “it's only $14 a month” quietly becomes hundreds per year. They break down why streaming costs have exploded faster than inflation, how duplication and inertia drain wallets, and what actually works to fix it (bundling, pruning, and strategic binge-and-cancel). From there, the show pivots to listener questions covering smart investing for an 18-year-old, retirement withdrawal sequencing, trust and estate planning pitfalls, and why complexity is often the real enemy of good financial decisions. 0:04 Life before streaming: rabbit ears, three channels, and forced family labor 0:48 Rewatching Bewitched and realizing old TV was… not great 2:27 Cable's rise, early streaming optimism, and Netflix's cheap beginnings 3:30 Subscription creep: listing the modern streaming pileup 4:16 Streaming prices vs inflation — why this hurts more than groceries 6:43 Average household streaming costs and the real percentage increase 8:21 Duplicate subscriptions and why households overpay without realizing it 9:37 Live TV bundles, YouTube TV vs Hulu, and paying cable prices again 12:30 Binge-and-cancel as a legitimate cost-control strategy 14:02 Value judgments: paying for services you don't actually watch 15:20 Annual audits, forgotten subscriptions, and silent monthly leaks 18:17 Investing $9,000 for an 18-year-old with decades ahead 19:20 Why a Roth IRA plus one global ETF can be enough 20:53 Retirement withdrawals: taxable vs IRA confusion clarified 22:45 When wealth gets big enough that DIY stops making sense 24:00 Trusts, trustees, and why professional oversight is expensive 27:15 Estate planning as a team sport (advisor + attorney) 29:33 Why every TV character is suddenly a podcaster 30:49 Gratitude, rankings, and why the audience matters Learn more about your ad choices. Visit megaphone.fm/adchoices

What would you do with over $6 million? In this episode of Allworth's Money Matters, Scott and Pat take a call from a couple in their early 60s with a net worth exceeding $6 million. The big question: should they use funds from their Roth IRA or brokerage account to cover a major expense? The conversation explores smart strategies for managing cash flow, deciding which accounts to draw from (Roth IRA vs. taxable), and why proactive tax planning is critical. Plus, the guys break down the concept of defined contribution plans and when they make sense—especially for high earners weighing long-term tax benefits against immediate priorities like home purchases or lifestyle flexibility. Finally, Allworth advisor Mark Shone joins to share expert portfolio strategies for navigating market volatility, from tax-loss harvesting to charitable giving with appreciated stock. 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.

984. Laura answers a listener's question about the pros and cons of contributing to a Roth IRA in addition to a workplace retirement plan.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Looking for an educational overview of today's most commonly searched retirement planning topics? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase provide context around retirement income planning, tax considerations, and widely referenced financial frameworks, helping listeners better understand how these concepts are typically discussed. • Review how Roth IRA conversions are generally evaluated and why converting an entire retirement account balance in a single tax year can materially affect taxable income calculations. • Explain how marginal tax brackets apply to large conversions and why simplified terms like “tax bomb” may not fully reflect how tax liability is determined. • Highlight considerations associated with forgotten or inactive 401(k) accounts and why consolidation is often discussed from an organizational or administrative perspective. • Examine how withdrawal flexibility prior to Social Security eligibility is commonly framed when discussing early-retirement income planning. • Outline factors frequently reviewed when evaluating whether life insurance coverage remains appropriate as family and financial circumstances change. • Clarify how Secure 2.0 legislation outlines limited 529 plan–to–Roth IRA rollovers, including applicable statutory rules, eligibility criteria, and contribution constraints. • Compare the traditionally cited 4% withdrawal framework with alternative retirement income scenarios that include pensions or guaranteed fixed-rate income sources. • Discuss how “dry powder” reserves are often described using bond ETFs or money market ladders within retirement planning conversations. • Evaluate the role small- and mid-capitalization stocks may play alongside large-cap equities within diversified, long-term portfolio discussions. • Reframe home value benchmarks in an inflationary environment while noting why mortgage status is often considered when assessing retirement readiness. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions that explore retirement planning concepts, market context, and long-term financial considerations. Learn more about your ad choices. Visit megaphone.fm/adchoices

To learn more on year-end retirement account strategies read our new article: https://directedira.com/year-end-retirement-account-strategies/?utm_source_youtube_socialmedia&utm_year_end_strategies_webinarYear-end is one of the most important windows for retirement planning. Some moves must be completed by December 31, while others can wait until the tax filing deadline – and new rules coming in 2026 will change how much you can save and whether certain contributions must be Roth.In this live webinar, Directed IRA's CEO, Mat Sorensen, will walk through the most important retirement account strategies to understand before year-end and how to position yourself for 2026.     You'll Learn- Which retirement account moves must be done by December 31…and which can wait- How to optimize 401(k), IRA, Roth IRA, HSA, and Solo 401(k) strategies at year-end- When Roth conversions make sense now vs. pushing them into 2026- Backdoor Roth and mega backdoor Roth strategies to know before year-end- Key 2026 rule changes that may impact contribution limits and Roth requirementshis session is designed to help you avoid missed opportunities, reduce taxes, and make informed decisions before the year closes.Why Directed IRA?At Directed IRA, we've helped thousands of investors put over $3 billion into real estate, private funds, notes, and more, all inside tax-advantaged retirement accounts. Our team of experts and streamlined platform make it easy to invest with confidence.Directed IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

In this episode of the Know Your Numbers, REI Podcast, hosted by Chris McCormack, we delve deep into tax planning for high-income earners who exceed the contribution limits for Roth IRAs. Chris explains the benefits of a Roth IRA and introduces the 'Backdoor Roth IRA' strategy as an effective means to build tax-free wealth for retirement.Learn about specific income thresholds, contribution limits, and practical steps to transition from a traditional IRA to a Roth IRA. Discover why this strategy is crucial for legacy planning and ensuring a tax-free retirement.Don't miss these valuable insights to enhance your retirement planning!Tune in to the Know Your Numbers REI podcast for valuable tax planning tips and strategies to keep more money in your accounts. Don't miss out on empowering yourself with the knowledge to make informed financial decisions. Subscribe now and stay informed!••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

On this week's episode of Educational Insights, Robert Moody breaks down the latest updates to 529 plans, including new tax benefits, scholarship withdrawal flexibility, and even the ability to roll unused funds into a beneficiary's Roth IRA. These changes give families more control than ever over education and retirement planning, with several little-known rules that could make a major financial difference. Don't miss this quick breakdown of what's new, what's changing, and how to make the most of your 529. Watch to learn more. Robert Moody, CFP®, CEPA® Senior Vice President Wealth Consultant Email Robert Moody here Fi Plan Partners is an independent investment firm in Birmingham, AL, with a team of professionals serving clients across the nation through financial planning, wealth management and business consulting. The team at Fi Plan Partners creates strategies in the best interest of their clients using fee based investing. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Economic forecasts set forth in this presentation may not develop as predicted. No strategy can ensure success or protect against a loss. Stock investing involves risk including potential loss of principal. Securities and advisory services offered through LPL Financial, Member FINRA/SIPC and a registered investment advisor.The post 529 Plans – Overview and Important Changes first appeared on Fi Plan Partners.

In our final episode of Nurturing Financial Freedom for 2025, we take a deep dive into the rapidly evolving world of education and what that means for families planning ahead. College isn't what it used to be, and as we head into 2026, we unpack how demographic shifts, cost pressures, and emerging technologies like AI are reshaping higher education—and what families can do to stay ahead of the curve.Alex explains how college enrollment has been declining steadily since its peak in 2010. While part of that is due to lower birth rates post-2007, we focus on the bigger shift—young people increasingly turning toward trade careers, certifications, and alternative learning paths. Fields like HVAC, welding, and nursing are growing in demand, and students are seeking out stable, well-paying jobs that don't require a four-year degree.For those who do choose college, we're seeing a clear shift in preferred majors. STEM fields like engineering, computer science, and data science are growing, along with healthcare and business, while traditional liberal arts majors are shrinking. Rising costs are a huge part of the conversation, with many families questioning whether a $320,000 undergraduate degree truly delivers a return on investment. This economic pressure has pushed many toward more flexible paths like community college, online programs, or hybrid models that offer practical value without the high price tag.We also examine how universities themselves are evolving—sometimes in the wrong direction. From luxury dorms to reduced tenure-track faculty, schools are spending more to attract students but aren't always investing in what really matters: quality education. Alex shares a personal story from his alma mater, Washington University that perfectly illustrates this disconnect.Next, we turn to the financial side. Ed walks us through how 529 plans remain one of the best tools families can use, even in this uncertain educational landscape. These plans are far more flexible than many realize—they now cover trade schools, certifications, online degrees, and even some K–12 costs. Plus, any leftover funds can be rolled into a Roth IRA, offering tax-free growth and long-term retirement benefits for beneficiaries. The ability to change the plan's beneficiary and the favorable tax treatment make 529s an incredibly versatile, powerful savings option.Even if the future of education is less predictable, we agree the cost will still be significant. That's why saving early and often—while staying flexible—is more important than ever. You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536 Any opinions are those of Ed Lambert Alex Cabot, financial advisors, RJFS, and Jon Gay, and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. Stock Market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190. Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Ask Me Anything episode, Ryan Michler and Kipp Sorensen tackle the number one issue facing men today: money. From scarcity mindset and debt to retirement planning, investing, and raising financially responsible kids, the conversation blends practical financial wisdom with deeper insights on discipline, self-belief, and values.  Ryan breaks down Dave Ramsey's baby steps, explains Roth vs. traditional IRAs, challenges popular budgeting rules, and shares how to instill abundance thinking in your family. A must-listen for men looking to build wealth without losing perspective. SHOW HIGHLIGHTS 00:00 Financial stress and the current economy 03:46 Physical baseline and discipline 08:59 Scarcity vs. abundance mindset 19:23 Dave Ramsey's seven baby steps 26:01 Roth IRA vs. traditional IRA 34:45 The 50-30-20 budgeting rule 37:29 Building wealth in an underpaid career 45:08 Teaching kids financial discipline 56:18 Iron Council and end-of-year call to action Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready

Today's Q&A Wednesday is driven entirely by live YouTube chat questions, covering the market topics investors are most focused on right now. Lance Roberts & Danny Ratliff address real-time concerns around market volatility, Federal Reserve policy, interest rates, inflation, portfolio risk, asset allocation, and year-end positioning—without hype or speculation. This interactive session is designed to help investors better understand what matters, what doesn't, and how markets typically behave during periods of uncertainty. Rather than making predictions, we focus on context, probabilities, and risk management—answering your questions as they come in live. If you have a market question, join the conversation in the chat. If you're watching the replay, timestamps and chapter markers are included for easy navigation. 0:00 - INTRO 0:19 - Economic Data Disappoints 5:50 - Markets Re-Test 50-DMA 11:26 - Reindeer & Dwarfs 13:54 - Volatility Commentary 21:23 - Effects of the One Big Beautiful Bill on Charitable Donations 24:37 - Buybacks vs Dividends 26:42 - Expectations for Gold and Silver in 2026 33:25 - Economic Summit Tease 34:41 - TLT Shorts & Speculative Bets 37:37 - Best Portfolio Allocations for 2026 39:35 - What Investments Should NOT Be Held in a Roth IRA? 41:54 - RSI vs Value, MACD, & Volume Trading? 45:38 - Retiring at 63? 48:07 - Dealing with Future Risk 51:50 - Sectors and Stocks for 2026 56:07 - 403b's vs 457's 57:58 - Energy Plays for 2026 Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Consolidate After 50-DMA Test," is here: https://www.youtube.com/watch?v=X4PjkAGK804&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, "Year-End Checklist for Young Investors," here: https://www.youtube.com/watch?v=3Wyudzh3naw&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/ #MarketOutlook #StockMarketToday #TechnicalAnalysis #YearEndMarkets #RiskManagement #MarketQandA #InvestorQuestions #MarketVolatility #FedPolicy #RiskManagement

Today's Q&A Wednesday is driven entirely by live YouTube chat questions, covering the market topics investors are most focused on right now. Lance Roberts & Danny Ratliff address real-time concerns around market volatility, Federal Reserve policy, interest rates, inflation, portfolio risk, asset allocation, and year-end positioning—without hype or speculation. This interactive session is designed to help investors better understand what matters, what doesn't, and how markets typically behave during periods of uncertainty. Rather than making predictions, we focus on context, probabilities, and risk management—answering your questions as they come in live. If you have a market question, join the conversation in the chat. If you're watching the replay, timestamps and chapter markers are included for easy navigation. 0:00 - INTRO 0:19 - Economic Data Disappoints 5:50 - Markets Re-Test 50-DMA 11:26 - Reindeer & Dwarfs 13:54 - Volatility Commentary 21:23 - Effects of the One Big Beautiful Bill on Charitable Donations 24:37 - Buybacks vs Dividends 26:42 - Expectations for Gold and Silver in 2026 33:25 - Economic Summit Tease 34:41 - TLT Shorts & Speculative Bets 37:37 - Best Portfolio Allocations for 2026 39:35 - What Investments Should NOT Be Held in a Roth IRA? 41:54 - RSI vs Value, MACD, & Volume Trading? 45:38 - Retiring at 63? 48:07 - Dealing with Future Risk 51:50 - Sectors and Stocks for 2026 56:07 - 403b's vs 457's 57:58 - Energy Plays for 2026 Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=yJV-vnHx4Eg&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Markets Consolidate After 50-DMA Test," is here: https://www.youtube.com/watch?v=X4PjkAGK804&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, "Year-End Checklist for Young Investors," here: https://www.youtube.com/watch?v=3Wyudzh3naw&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/ #MarketOutlook #StockMarketToday #TechnicalAnalysis #YearEndMarkets #RiskManagement #MarketQandA #InvestorQuestions #MarketVolatility #FedPolicy #RiskManagement

In this episode, The Annuity Man discussed:  Seeing through product-driven Roth pitches Recognizing political risk in long-term tax planning Keeping conversions separate from annuity products Avoiding shiny-object sales tactics   Key Takeaways:  Treat Roth conversions as tax decisions rather than annuity strategies. Rely on math and tax guidance instead of sales-driven framing. Understand that tax-free structures like Roths can face future policy shifts. Plan with awareness that political changes may affect long-term assumptions. Run conversion numbers independently of any annuity recommendation. Evaluate tax impact, break-even timing, and personal comfort before acting. Watch for bonuses, churning, and pressure to "flip" existing annuities. Focus on guarantees, documentation, and advice from qualified tax professionals.   "You should never do a Roth conversion without talking to a Certified Financial Planner, a CPA, or tax lawyer. Period." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

How do you know if it's time to retire? Roger and Elias react to the 10 Subtle Signs That You Are Ready to Retire.  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

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

Jennifer Gartenberg, Managing Director at Mesirow, joins Jon Hansen on Your Money Matters to discuss converting an IRA into a Roth IRA. For more information, visit www.mesirow.com.

Wow, how is it that another year is almost behind us? The older I get, the more I feel like time is just flying by, and if you're not intentional about making the most of your time, you'll get left behind chasing goals you never quite reach. This reality feels even more true as I reflect on 2025 and look ahead to what I want to accomplish in 2026. In the spirit of making the most of my time and staying intentional with my progress, I'm a firm believer in the power of planning, setting, and reflecting on goals…both personal goals for my life and business goals for City Girl Savings. But here's what makes goal-setting even more powerful: accountability. Sharing my goals publicly with the CGS community holds me accountable to actually working toward them instead of letting them sit in a journal collecting dust. It also gives you real-world examples of how entrepreneurs balance personal wellness goals with business growth targets, manage financial priorities while building wealth, and adjust expectations when things don't go as planned. In this transparent episode, I'm sharing my complete personal and business goals for 2026, along with honest progress updates on the goals I set for 2025…the wins, the misses, and the valuable lessons learned along the way. From maxing out my Roth IRA to managing a short-term rental property, from improving profit margins to taking a podcast break for mental health, I'm pulling back the curtain on what it really looks like to run a business while prioritizing personal wellness. My hope is that you finish this episode feeling empowered and inspired to set and reflect on your own 2026 goals, whether they're financial, health-related, business-focused, or all of the above.   Here's What You'll Learn in This Episode: Balancing ambitious financial goals with realistic expectations Investment strategies: maxing out retirement accounts (Roth IRA) Real estate investment lessons from managing a short-term rental property Business finance: increasing profit margins while managing revenue fluctuations Health and wellness goals for entrepreneurs and busy professionals Managing screen time and reducing social media-induced anxiety Prioritizing nervous system regulation and work-life balance Setting business revenue and profitability targets for sustainable growth   Radical Transparency for Accountability: This isn't a highlight reel—it's an honest look at what worked, what didn't, and how an entrepreneur balances million-dollar net worth building with mental health priorities. Use this as your roadmap for setting realistic, meaningful goals that honor both your ambitions and your wellbeing.   Here's a glance at this episode: [03:37] Health Goal Progress: Hitting 12,000 daily steps 90% of the year and evolving fitness goals with naturopathic support. [06:43] Real Estate Reality Check: Palm Springs Airbnb lessons—prioritizing memories over profit and managing investment expectations.  [11:35] Email Growth Strategy: How City Girl Savings tracks newsletter subscribers and sets baseline metrics for growth. [16:42] 2026 Life Goals: Planning a courthouse wedding and 3-week European honeymoon adventure!  [18:51] Nervous System Regulation Priority: Why slowing down and reducing stress is Raya's top personal focus for 2026.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube! Podcast Update: No new episodes in Q1 2026—the show returns with fresh content the first Monday in April 2026! Past favorite episodes will air during the break.   Resources mentioned in this episode: Listen to Episode 187 - 2025 Mid Year Personal and Business Goals Check In Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

In this episode, Gregory Ricks is joined by Attorney Wes Blanchard of WJ Blanchard Law, LLC., to discuss estate litigation issues including Usufruct and Powers of Attorney. Gregory also dives into the importance of annuities and investment returns in retirement.  For financial news talk radio, tune into "Winning at Life with Gregory Ricks" on Saturday Mornings on:WRNO-News Talk 99.5 FM New Orleans - 10 am - 1 pmWBUV-News Talk 104.9 FM Biloxi - 10 am - 1 pmORFor financial news talk ON DEMAND, tune into the Ask Gregory Podcast for more financial topics that may interest you! Visit: https://gregoryricks.com/podcast/Download the Winning at Life app to never miss a replay!Investment Advisory products and services made available through AE Wealth Management, LLC or registered investment advisor, insurance products are offered through the insurance business Gregory Ricks and Associates, Incorporated AE wealth management does not offer insurance products, the insurance products offered by Gregory Ricks and Associates incorporated are not subject to investment advisor requirements. Investing involves risk, including the potential loss of principal, any references to protection, safety or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying ability of the issuing Carrier. This radio show was intended for informational purposes only. It is not intended to be used as the sole basis for a financial decision, nor should it be construed as advice designed to meet the particular needs of an individual situation. Gregory Ricks and Associates is not permitted to offer and no statement made during the show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US government or any governmental agency. The Information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Gregory Ricks and Associates. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences, including, but not limited to a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. Neither AE Wealth Management nor advisors providing investment advisory services through AE Wealth Management recommend or facilitate the buying or selling of cryptocurrencies. Third parties and guests of the show are not affiliated with nor do their opinions reflect those of Gregory Ricks and associates or AE wealth management. Ae Wealth Management provides services without regard to political affiliation. And the views of individual advisors are not necessarily the views of AE Wealth Management.

Learn how to prepare your money for 2026 and invest retirement savings you hope to leave to your family. How do Americans feel about their money heading into 2026? How should you invest retirement accounts you don't plan to spend so your family can benefit later? The Nerds discuss how to invest a seven‑figure nest egg in workplace retirement plans to help you understand how to balance risk, taxes and legacy goals. But first, senior news writer Anna Helhoski joins hosts Sean Pyles and Elizabeth Ayoola to discuss NerdWallet's 2026 consumer outlook survey, including how confident people feel about their financial security, which potential money setbacks are weighing on them, and what big financial moves and risks they're planning to take in the new year. Then, credit writer Amanda Barroso and investing writer Taryn Phaneuf join Elizabeth to discuss how a retired military listener and their soon‑to‑be-retired spouse might invest $1.2 million they've saved  in a TSP and 403b and  hope to leave to their children and grandchildren. They review  how TSPs and 403bs work and when it might make sense to roll them into IRAs, how to think about asset allocation when you have a long time horizon but may still face surprise retirement costs like long‑term care, and the rules around required minimum distributions and the 10‑year payout window for inherited retirement accounts. They also explore high‑level estate planning choices such as using trusts and keeping beneficiaries up to date, pros and cons of Roth conversions for heirs (including the Roth IRA five‑year rule), and how to balance leaving a legacy with using some money to create meaningful experiences with family during your lifetime. The Roth IRA 5-Year Rule: What to Know https://www.nerdwallet.com/retirement/learn/roth-ira-5-year-rule  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: 2026 financial outlook, economic outlook 2026, rising prices 2026, inflation 2026, emergency fund savings, how much emergency fund should I have, save 1000 emergency fund, pay off high interest debt, avalanche vs snowball debt payoff, debt consolidation options, nonprofit credit counseling, crypto investing risks, invest in AI stocks, start a business 2026, buying a home in 2026, financial anxiety, Gen Z finances, women and money stress, stock market crash preparation, and TSP investment strategy. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

KKOS Webinar: Solo 401(k) Tax Credit for New and Existing PlansMark and Mat return to the Directed IRA Podcast with holiday cheer, quick-fire banter, and a stocking stuffed with three Roth strategies that can transform your long-term wealth. This is the year-end roadmap every proactive investor needs.They break down how to time Roth conversions for maximum tax efficiency, how a Kid's Roth IRA can quietly grow into a seven-figure legacy, and how the mega backdoor Roth lets both employees and small business owners pump serious dollars into the tax-free zone.If you want your money growing tax-free, your strategy dialed in, and your year-end planning wrapped with confidence, settle in for this quick, insightful, and entertaining episode.Chapters: 0:00 - Warm Welcome And Light Banter1:12 - Roadmap: Three Year-End Roth Strategies1:54 - Strategy One: Roth Conversions And Chunking4:20 - Brackets, Deductions, And Timing The Tax7:16 - Backdoor Roth Clarified For High Earners8:04 - Strategy Two: Kids Roth IRA Mechanics11:18 - Paying Kids Legitimately And Funding Options15:02 - Early Compounding And Grandparent Angle18:27 - Strategy Three: Mega Backdoor Roth OverviewDirected IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

Today we focus on one of the most critical aspects of retirement: the first five years of, emphasizing the importance of planning, financial stability, and understanding the complexities of retirement income. We discuss common pitfalls, such as impulsive purchases and the necessity of a solid cash flow plan. Randy, Laura and Jeremiah also highlight the significance of healthcare costs, tax efficiency, and investment strategies tailored for retirees. Takeaways The first five years of retirement are crucial for establishing habits. Creating a financial plan is essential for clarity and confidence. Emergency funds should cover 12 to 24 months of expenses. Healthcare costs can significantly impact retirement budgets. Roth IRA contributions can be strategic during low-income years. Investment strategies may need to shift as retirement progresses. Social security decisions should be made carefully, considering long-term benefits. Understanding the sequence of returns is vital for withdrawal strategies. Planning for multiple income streams can ease financial stress in retirement. Having a financial advisor can simplify complex retirement planning. Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.com Connect with Randy: LinkedIn: / rkbarkley Email: Randy@tricordadv.com --- Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

#257: We break down essential tax and financial decisions to make before year-end. Learn how to maximize deductions, optimize charitable giving, manage investment gains and losses, and take advantage of retirement and home-improvement credits. We also run through all the credit card, points and miles deadlines to hit before 12/31. Link to Full Show Notes: https://chrishutchins.com/end-of-year-financial-checklist-2025 Partner Deals Vuori: 20% off the most comfortable performance apparel I've ever worn MasterClass: Learn from the world's best with 15% off Aura Frames: $35 off the best digital frames with code ALLTHEHACKS DeleteMe: 20% off removing your personal info from the web Fabric: Affordable term life insurance for you and your family Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Daffy: Free $25 to give to the charity of your choice For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Chris' End of Year Checklist for Taxes, Points & Miles Carry Solo 401k Kick (20% off your first year of bookkeeping with code CHRIS20) Invest America Kids Savings & Investment Accounts Hotel Mattress Run CardPointers Pro (50% off here) Use Your Credits ATH Podcast Chris' Best Cards Page Ep 144: Leveraging Tax-Advantaged Accounts to Maximize Your Wealth with Katie Gatti Tassin Ep 243: Smarter Strategies for Retirement, Wealth Building, and Taxes with Michael Kitces Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:03) Standard Deduction vs. Itemizing (03:02) The New SALT Cap & Property Tax Strategy (05:02) Pass-Through Entity Taxes for Business Owners (06:07) Smart Charitable Giving Strategies (07:07) Donating Appreciated Assets (09:18) Using Donor-Advised Funds (DAFs) (14:16) Why 25-26 Changes Matter for Charitable Giving (16:14) New Car Loan Interest Deduction (18:19) Deduction for Qualified Tips & Overtime (18:34) New Senior Deduction (19:12) Shifting Income to Optimize Your Tax Bracket (20:48) Capital Gains: Loss & Gain Harvesting (22:02) Understanding the Wash Sale Rule (25:11) Advanced Tax Moves to Ask Your CPA (25:42) Key Retirement Deadlines & Contribution Limits (31:01) Roth IRA & Traditional IRA Rules (34:18) Backdoor & Mega Backdoor Roth Contributions (35:18) ISOs & Alternative Minimum Tax (36:16) FSA Essentials: Use It or Lose It (38:57) HSA Strategy & Triple-Tax Advantage (42:13) Home Efficiency & Solar Credits for 2025 (43:14) 529 Plans, Gifting Rules & Education Savings (47:37) The New “Trump Account” for Kids (48:14) Funding a Child's Roth IRA Through Earned Income (50:29) EOY Tax Moves for Business Owners (55:51) EOY Checklist for Points & Miles (01:00:32) Credit Card Annual Credits & Benefit Resets (01:03:57) Calendar-Year Credits to Use Before January (01:14:55) Final EOY Checks for Airlines, Hotels & Credit Cards 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

This episode sees David McKnight look at Suze Orman, who, despite being one of the most widely recognized financial voices in America, shares what appears to be incomplete advice. David believes that Orman has done a lot of good for a lot of people thanks to her financial discipline-centered approach (in addition to being a big proponent of Roth IRAs). He agrees with Orman: "Roth IRAs are powerful, no doubt about it. You contribute after tax dollars, your money grows tax-free, and, provided you meet the requirements, you can withdraw those funds in retirement 100% tax-free".  The U.S. is currently at historically low income tax rates and, thanks to the One Big Beautiful Bill Act, they have been permanently extended. However, David shares that, when it comes to the IRS tax code, there's no such thing as a permanent extension. David's pet peeve with Orman: getting money into Roth IRAs now (while tax rates are low) isn't something that will truly protect you from rising tax rates in retirement. That's because a Roth IRA by itself isn't enough. In his book The Power of Zero, David advocates for a balanced, comprehensive approach to tax-free retirement that draws from six different streams of tax-free income. David goes through the six strategies and explains why you need each and every one of them if you want to land in the 0% tax bracket in retirement.     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 Suze Orman OBBBA (One Big Beautiful Bill Act)

Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers: https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ Peter Thiel famously turned a small amount of PayPal founder shares into a multi-billion-dollar, tax-free Roth IRA. It's one of the most viral tax stories of all time… and also one of the most misunderstood. Today, Mr Henderson breaks down why you cannot repeat Peter Thiel's tax strategy today, and why relying on rare loopholes, mega-Roths, or billionaire exceptions is the wrong plan for the average entrepreneur. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ Disclaimer: Neither Nomad Capitalist LTD nor its affiliates are licensed legal, financial, or tax advisors. All content published on YouTube and other platforms is intended solely for general informational and educational purposes and should not be construed as legal, tax, or financial advice. Nomad Capitalist does not offer or sell legal, financial, or tax advisory services.

We love talking about the benefits of the Roth IRA, and if you are one of the investors who can’t make direct contributions to a Roth due to the income limits, there are a few workarounds that you may not know about. Donna discusses some of the strategies that high earners use to take advantage of the benefit of saving on a Roth basis. Also, on MoneyTalk, anchoring our lifestyle expectations to reality. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 12/8/2025. 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.

In this episode, we explore the ripple effects of the end of the U.S. penny — what it means for everyday consumers and how pricing may change. Then we take a look at the 2025 stock-market ride: despite record highs this year, we've already seen a sharp drawdown before finishing strong, and pullbacks have tended to be surprisingly shallow and brief. Finally, we break down popular frugal habits to ask: are they really saving you money, or just costing you time and stress? Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Costly IRA Conversion Warning & the Hidden Billions Americans Are Leaving Behind In this episode, fiduciary financial advisor Wes Moss tackles a piece of financial advice that he calls "lunacy" and "insanity" – a recent Op-Ed arguing that retirees should convert their entire Traditional IRA to a Roth IRA in a single year. Wes explains why this academic advice is a dangerous real-world strategy, warning listeners about the potential for a massive tax bill that could reach hundreds of thousands of dollars. Also, Wes addresses a sinister issue in retirement savings: billions of dollars in "forgotten" 401(k) balances. Wes warns that this money is often parked in cash or a low-interest money market, missing out on decades of critical growth. Mentioned on the show: Forgotten 401(k) Accounts Are Costing Americans Billions in Lost Investment Gains Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 9, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us as Rishi, a remarkable 15-year-old personal finance enthusiast, shares his journey and insights on financial literacy for the next generation. Rishi discusses key strategies for teaching kids about personal finance, including practical experience, understanding needs versus wants, and early investing through index funds. His insights aim to empower both parents and teenagers to engage in meaningful conversations about money, fostering a pathway to financial independence. Key Topics Discussed Rishi's early interest in finance and investments [02:27] Strategies for teaching kids about personal finance [11:56] The importance of balancing saving and spending [30:15] Benefits of early investing and compound growth [25:42] Insights on college planning and potential alternatives [39:40] The concept of financial independence and its relevance to youth [46:44] Timestamps 00:01:21 - Introduction to Rishi 00:02:27 - Rishi's Financial Journey 00:05:20 - Creating Engaging Financial Content 00:08:40 - Learning Sources for Personal Finance 00:11:56 - The Role of Parents in Financial Education 00:19:09 - The Importance of Financial Choices 00:25:42 - Investing Early 00:30:56 - Balancing Saving and Spending 00:39:40 - College and Financial Planning 00:46:44 - Understanding Financial Independence 00:56:11 - Final Thoughts Key Insights Personal Finance Foundations: Rishi began his finance journey at age 6, influenced by his parents and their reading habits. Early exposure is crucial for understanding financial concepts. Practical Experience: The best lessons come from real-life scenarios. Rishi emphasizes managing an allowance, recognizing needs vs. wants, and making choices about spending and saving to foster financial literacy. Invest Early: Rishi highlights the importance of starting investments young to take advantage of compounding returns. The earlier you begin investing, the greater your potential savings by retirement. Balancing Income and Expenses: Finding a balance between spending on experiences and saving for the future is key to financial well-being. Understanding your values helps prioritize budget decisions. Evolving Education on College: Attitudes toward college are changing, with greater emphasis on exploring multiple educational paths, including trade schools and the importance of financial planning for college expenses. Actionable Takeaways Start teaching your kids about finance early by involving them in budgeting discussions. [11:56] Encourage teenagers to open a Roth IRA for long-term investing benefits. [38:07] Educate children about the differences between needs and wants to foster mindful spending. [51:18] Key Quotes "Start investing early to maximize your retirement savings." [00:17:48] "True wealth comes from contentment, not accumulation." [00:31:29] "Don't wait to invest; start now with whatever you have." [00:57:07] Related Resources Easy Peasy Finance Easy Peasy Finance YouTube Channel

Deciding when to claim Social Security is one of the most important retirement choices you'll make, but most people approach it the wrong way. They pick an age early, cling to it for years, and assume the “best” decision never changes. In reality, the right claiming strategy shifts as your life shifts: your spouse's benefit, your health, your spending, your tax plan, and even how much joy you're getting out of retirement all matter far more than a hard rule.In this episode, Ari explains why Social Security should never be treated as a one-time, set-it-and-forget-it decision. Through real client stories, a behind-the-scenes look at how Roth conversions, RMDs, and retirement income interact, and a simple framework that fits any household, this conversation reframes the entire question. Sometimes delaying boosts long-term security. Sometimes taking it early frees up your cash flow for meaningful years. And in many cases, the “optimal” age changes as your plan changes.If you've been wondering when to claim Social Security, how it fits into Roth IRA conversions, what it means for your surviving spouse, or how to build a flexible retirement income plan, this episode gives you clarity without the jargon and confidence without the fear.-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.

Learn how to shift savings between retirement and a home down payment without derailing your future. How do you balance big life experiences with long-term financial goals? Is it smart to scale back retirement savings to buy a home sooner? Hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting, honeymoon spending, and saving trade-offs to help you think through your own big-ticket plans. Fresh off his San Francisco City Hall wedding and multi-city honeymoon through Japan and South Korea, Sean shares how he saved ahead of time, avoided debt, and still came home with money left over. They talk about budgeting for flights and hotels, deciding when to splurge versus save, the realities of travel fatigue, and how to reset your budget afterward by trimming categories like clothing. Elizabeth also opens up about her “37 to 37” joy challenge, holiday shopping stress around Black Friday and Cyber Monday, and the emotions of planning birthday and Christmas spending. Then, fellow Nerds Dalia Ramirez and Kate Ashford join Elizabeth to discuss whether it makes sense to divert retirement savings toward a home down payment. They walk through how to prioritize savings goals, use age-based benchmarks to see if you're on track, and set a clear end date for any “pause” to protect your future self. They also break down key differences between Roth IRAs and 403(b)s, when it may be smarter to lower 403(b) contributions instead of tapping a Roth, how first-time homebuyers might use up to $10,000 in Roth earnings for a purchase, and the trade-offs of sacrificing compound growth today for the long-term benefits of owning a home. Enter to Win NerdWallet's Debt-Free December Sweepstakes: https://www.nerdwallet.com/m/loans/personal-loans/debtfreedecember  Use NerdWallet's free retirement calculator to check your progress, see how much retirement income you'll have and estimate how much more you should save: https://www.nerdwallet.com/investing/calculators/retirement-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: retirement savings, home down payment, diverting retirement savings, saving for a house, Roth IRA withdrawal for home, Roth IRA first time homebuyer, 403b vs Roth IRA, pension and retirement savings, retirement savings benchmark by age, compound interest retirement, emergency fund vs house down payment, balancing savings goals, saving for retirement in your 30s, retirement calculator planning, how much to save for retirement, wedding budget, honeymoon budget, travel budget planning, Japan trip cost, Tokyo travel budget, Seoul travel budget, big life event budgeting, saving for wedding and house, Cyber Monday shopping tips, Black Friday shopping stress, holiday gift budget, birthday spending, joyful spending, government pension retirement planning, high interest debt payoff vs investing, reducing 403b contributions, Roth IRA contributions vs earnings, and first time homebuyer rules Roth IRA. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

$7,500 is the new maximum amount you can contribute for your IRA in 2027. We recommend generally that you and your spouse (if applicable) both do Roth IRAs, after 5% to the the TSP for the match.   Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Most retirement advice quietly assumes you have a partner: two incomes, two Social Security checks, someone to split expenses with, someone to catch the slack if something goes wrong. But for singles, the margins are tighter and the freedom can be much greater. Planning alone means every decision carries more weight, but it also means you have full control over the life you want to build.This video centers on Tina, a 62-year-old single woman with roughly $2.2 million across investment accounts, employer stock, a 401(k), and a Roth IRA. Her situation highlights something many single retirees face: the rules for married couples don't apply. There's no second Social Security benefit, no shared expenses, no fallback income — just her plan, her goals, her decisions. Once her “freedom number” becomes clear, the entire plan shifts. Reliable income fills part of the picture, but the rest depends on how her portfolio supports the exact life she wants to live. Simple choices — retiring sooner, traveling more, inviting friends on those trips, or designing a lifestyle that actually reflects what matters — completely change her projections and expand what's possible.The heart of this conversation isn't about budgets or perfect withdrawal rates. It's about giving singles permission to build lives that match their values, not someone else's template. When the numbers align with the life you want, confidence follows naturally.If this perspective helps you rethink how retirement looks when it's just you, tap like and share what resonated. Your retirement doesn't need to look like anyone else's, it just needs to support the version of life that feels right to you.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

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.

Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark to break down tax-efficient withdrawal strategies that maximize your retirement savings. Discover blended drawdown strategies and cyclical drawdown methods that optimize which accounts you tap first—Traditional IRA, Roth IRA, taxable brokerage, HSA—to minimize your lifetime tax burden. This episode covers: Sequential vs. blended vs. cyclical retirement drawdown strategies How to optimize withdrawal order from retirement accounts (401k, IRA, Roth, taxable accounts) Tax-efficient retirement planning for early retirees and FIRE followers How to leverage today's historically low tax rates before they expire Healthcare costs in early retirement (ACA subsidies, Medicare planning) Asset protection and estate planning considerations Roth conversion strategies during low-income years How to avoid costly tax mistakes in the decumulation phase Whether you're planning for financial independence, already retired early, or managing multiple retirement accounts, this tax optimization masterclass will help you keep more of your money and make your nest egg last longer. Learn more about your ad choices. Visit megaphone.fm/adchoices

Listener Q&A where Andy talks about: A correction on something incorrect I said last week regarding deciding which spouse's pre-tax account to distribute or convert from ( 3:28 )Pros and cons of using a single total global stock market fund vs multiple other funds such as just US and just international  ( 8:17 )What's in the calculation for Modified Adjusted Gross Income ("MAGI") for purposes of determining eligibility to contribute to a Roth IRA ( 14:49 )Deciding when to start a Roth account, and whether it should be a Roth IRA or Roth 401(K) (if you have the option), and whether it should be funded via conversion or contribution ( 20:40 )What to consider when deciding on which pension payment type of choose ( 27:52 )Should IRA distributions instead be converted to Roth if you don't need to use the money any time soon ( 35:50 )What to consider when retiring late (e.g. late-60s or 70s) ( 42:02 )Explaining certain "fees" on trade confirmations, such as when buying coupon-paying bonds or stocks/ETFs ( 47:21 )Why just looking at unrealized gains or losses on a position in a dividend or distribution paying security don't tell the whole story with regards to how much money you've actually made or lost in the position ( 53:45 )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

Stay informed about today's highly-searched retirement and financial planning topics in this new episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Gain clear, accessible context on economic trends, retirement rules, portfolio structures, and planning conversations that are shaping long-term decision-making discussions. • Explore how the proposed 50-year mortgage is influencing conversations around affordability, home-equity timelines, and shifting real estate structures. • Recognize how the K-shaped economy reflects differing financial experiences across households and shapes discussions about consumer sentiment and wealth-building patterns. • Clarify how mortgage leverage and ultra-long terms relate to borrowing structures, payoff timelines, and the considerations homeowners may evaluate. • Understand how equal-weighted investing frameworks are designed to help distribute exposure more evenly across sectors to address concentration awareness. • Review how equal-weighted and sector-weighted ETFs and mutual funds structure market exposure and present alternative allocation methodologies. • Assess the factors often discussed when evaluating early Social Security filing, especially when immediate income needs are already met. • Compare modeled scenarios that illustrate how different 401(k) contribution timelines can affect projected balances under various assumptions. • Examine informational considerations for highly compensated employees, including restoration plan structures, tax mechanics, and withdrawal rules. • Weigh the structural differences between W-2 and 1099 income in high-income medical professions, including taxation, liability frameworks, and benefits access. • Explore available approaches for high earners encountering Roth IRA limits, such as after-tax contributions, mega-backdoor Roth structures, and ETF allocation strategies. • Hear listener questions addressing savings habits, employer-plan options, and retirement-plan mechanics discussed in real-world scenarios. • Identify informational steps that may support ongoing awareness throughout different stages of retirement planning. If you want to stay current on the retirement conversations shaping today's financial landscape, listen and subscribe to the Retire Sooner Podcast. Join Wes Moss, Christa DiBiase, and the Retire Sooner community for grounded, ongoing discussions aimed at helping listeners stay informed and intentional about long-term planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, President and Senior Financial Planner Paul L. Moffat and Director of Financial Planning Jordan Naffa break down five powerful financial planning strategies that help clients protect wealth, reduce taxes, and build long term financial security. With laws constantly changing and new opportunities emerging, many investors are unaware of the tools available to them. Paul and Jordan shine a light on the strategies that can make a meaningful difference in a client's financial life.They cover topics ranging from real estate tax strategies and rebalancing to modern 529 uses, backdoor Roth contributions, and the step up in basis at death. Through real examples and clear explanations, they show how thoughtful planning can help cut unnecessary taxes, grow assets more efficiently, and support multigenerational wealth.In this episode: ● How 1031 exchanges can defer taxes on investment properties ● New ways 529 plans can support education and long term planning ● Why rebalancing and asset location matter for growth and tax efficiency ● How backdoor Roth IRA contributions create powerful tax free opportunities ● The importance of the step up in basis and how it protects inherited wealth ● Why proactive planning helps reduce taxes and maximize long term outcomesIf you have any questions, call the Arista Wealth Management office located in Las Vegas, NV at 702-309-9970Connect with Arista Wealth:Website: https://www.aristawealth.comEmail: support@aristawealth.comThe opinions expressed in this podcast are for general purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. It is not intended to provide tax or legal advice. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital: please seek advice from a licensed professional.Arista Wealth Management is a registered investment adviser. Advisory services are only offered to clients or prospective clients where our firm and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Arista Wealth Management unless a client service agreement is in place.

In this installment of our Employee Benefits and Executive Compensation Preparing For 2026 series, hosts Constance Brewster and Jeff Banish walk employers through the new rules on mandatory Roth catch-up contributions and the optional "super catch-up contributions," as we approach 2026. This episode distills what's changing, who's affected, updated limits for 2026, and practical steps plan sponsors should take now to prepare for 2026. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

End-of-Year Financial Checklist + AssetBuilder Office Move Announcement In this practical end-of-year episode of the Keep It Simple Podcast, Joey Badinger – Lead Advisor at AssetBuilder – sits down with Adam Morse (Senior Lead Advisor) and Tommy Williams (Associate Advisor) to walk through a clear, no-nonsense checklist you should review before December 31. Recorded from AssetBuilder's headquarters in Plano, Texas, the team covers retirement contributions, Roth conversions, tax-loss harvesting, RMDs, charitable giving, portfolio rebalancing, and even thoughtful strategies for gifting to kids and grandkids—without accidentally harming your own retirement plan. They close with a major announcement: AssetBuilder is moving its headquarters to the Allen Tech Hub at Waters Creek—and explain what that means for clients, the team, and the next decade of growth. Whether you're a DIY investor or working with an advisor, this episode gives you a clean, actionable framework to finish the year financially strong. Timestamps 00:00 – Intro & important disclosure 00:40 – Welcome from AssetBuilder HQ in Plano, TX 01:15 – Meet the team: Joey Badinger, Adam Morse (Senior Lead Advisor), and Tommy Williams (Associate Advisor) 02:00 – Conference recap: Vegas Financial Planning Conference & Alts Texas (CFA Society / Markets Group / CAIA) 06:50 – Hard pivot: why “boring, simple” tasks drive the biggest long-term results 08:00 – Checklist #1: Maxing out 401(k), IRA & Roth IRA contributions for 2025 11:45 – Checklist #2: Roth conversions – what they are, how they work, and ideal timing 15:45 – Checklist #3: Tax-loss harvesting – when it makes sense & when it doesn't 18:30 – Checklist #4: RMDs, inherited IRA rules, and QCD charitable giving 22:30 – Checklist #5: Rebalancing, diversification, and handling concentrated stock positions 27:30 – Checklist #6: Reviewing beneficiaries, cash reserves & liquidity 31:45 – Smart gifting: helping kids without jeopardizing your own retirement 37:40 – Final recap: What to do if you haven't done any of this yet 39:30 – Big announcement: AssetBuilder is moving to the Allen Tech Hub at Waters Creek 44:30 – New office details, build-out, and client experience upgrades 46:00 – Closing & how to get in touch with the AssetBuilder team Hosted by: Joey Badinger Featuring: Adam Morse, Senior Lead Advisor — Tommy Williams, Associate Advisor Podcast: Keep It Simple by AssetBuilder Location: Plano, Texas → moving to Allen Tech Hub (Waters Creek) Website: assetbuilder.com Questions? Email podcast@assetbuilder.com  or book a consultation on the website. If this episode helped you prepare for 2026, LIKE, SUBSCRIBE, and tap the bell—new episodes drop weekly with simple, evidence-based investing guidance. #YearEndChecklist #RetirementPlanning #RothConversion #TaxLossHarvesting #BehavioralFinance #AssetBuilder #KeepItSimplePodcast #IndexInvesting #WealthBuilding2025 #PersonalFinance

This week, Roger and Elias took a break for the Thanksgiving holiday - so we are sharing some of their favorite listener questions from past episodes of their radio show, The Premier Financial Hour. Check out the Premier Financial Hour over on PIWM's YouTube page: https://www.youtube.com/@premieriwm  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

McDreamy Dempsey wants to know if converting to Roth in the 37% tax bracket ever makes sense, and Gary in La Crosse warns Joe Anderson, CFP® and Big Al Clopine, CPA about Roth conversion "lag" and when it DOESN'T make sense to convert, today on Your Money, Your Wealth® podcast 558. Plus, Wine Guy and Gal in Northern California want a spitball on whether they should protect their ACA subsidies or keep converting to Roth before Medicare kicks in. Then it's the classic question for Robert in Napa, Luke and Lorelai in Indiana, and Phil and Claire in California: should they save for retirement in their traditional, pre-tax, tax-deferred accounts, or their post-tax, tax-free Roth accounts? Different needs and situations, same big question: which strategy gives you the smarter tax outcome? Free Financial Resources in This Episode: https://bit.ly/ymyw-558 (full show notes & episode transcript) Top 10 Tax Tips Guide - limited time special offer, download yours before Friday, Dec 5, 2025! Ultimate Guide to Roth IRAs - free download 2025 Key Financial Data Guide - free download 10 Tax-Cutting Moves to Make Now - 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 00:57 - Should High Earners Do Roth Conversions in the 37 Percent Bracket? (McDreamy Dempsey) 06:50 - The Hidden Roth Conversion Lag: When Conversions Don't Actually Pay Off (Gary, LaCrosse, WI) 18:03 - Should You Prioritize the ACA Subsidy Cliff or Roth Conversions Before Medicare? (Wine Guy & Gal, No CA) 26:27 - Traditional vs Roth Contributions: What's Better When You Make $400K? (Robert, Napa) 33:09 - Roth or Traditional Contributions? Save More or Coast After Debt Payoff? (Luke & Lorelai, Indiana) 42:13 - Roth or Traditional at Age 48: Which Strategy Makes More Sense? (Phil & Claire, CA) 49:19 - Outro: Next Week on the YMYW Podcast

In this episode, Lady Landlords founder, Becky Nova sits with Janelle, a CPA and accounting professor as she explains how real estate investors can legally hire their children to gain tax deductions while teaching them financial literacy and entrepreneurship.Parents can pay their kids tax-free for legitimate, age-appropriate work and even invest their earnings in a Roth IRA for long-term, tax-free growth.She highlights this as a powerful, compliant strategy to build generational wealth and model business ownership early.===

Ready to stay informed about today's highly searched retirement topics and financial planning questions? The latest Money Matters Podcast with Wes Moss and Christa DiBiase brings together real-world case studies, retirement strategies, and economic context to help listeners think clearly about long-term decisions. • Reconsider how to frame financial inheritance and lifelong money habits by emphasizing independence, planning skills, and non-monetary lessons. • Reflect on a story about balancing parental support with maintaining retirement priorities, including decisions around student loan assistance for adult children. • Review how Target Date Funds work—covering structure, glide paths, and withdrawal considerations—and assess how often individuals may revisit retirement plans based on lifestyle or market changes. • Track the ongoing conversation around backdoor Roth IRA strategies and compare the broader points often considered in the Roth vs. Traditional IRA evaluation, from FIRE approaches to traditional retirement timelines. • Observe how artificial intelligence is reshaping labor market trends and identify emerging fields—technology, agriculture, home services, estate planning—affected by demographic shifts and innovation. • Examine the considerations related to managing one-time payments such as settlements or back pay, including the potential impact of timing on taxable income. • Enjoy a light segment on popular apple varieties as an illustration of everyday value-focused consumer choices. • Clarify how to think about retirement readiness by evaluating predictable income sources alongside your total savings picture. This episode provides grounded, educational context without predictions or guarantees. Listen and subscribe to the Money Matters Podcast to stay informed and connected to today's most relevant conversations in personal finance and retirement planning.

775. Laura answers a listener's question about the Roth IRA rules for his minor kids and how to pay them and correctly report the income for working in his business.Money Girl is hosted by Laura Adams. Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at 302-365-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links: https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDThttps://twitter.com/LauraAdamshttps://lauradadams.com/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As 2025 comes to a close, we're here to help you make the most of year-end tax planning. I'm explaining seven actionable strategies to help you minimize your tax liability and optimize your retirement savings before the New Year.  From maximizing retirement plan contributions and exploring Roth conversion opportunities to using donor-advised funds for charitable giving and getting the most from your health savings accounts, this episode is packed with practical advice. The insights I'm sharing in this episode will guide you through the essential moves you need to consider before December 31st.  You will want to hear this episode if you are interested in... [00:00] Year-end retirement contribution tips. [04:07] Mega Backdoor Roth IRA strategy. [08:51] Maximizing charitable tax benefits. [12:19] Year-end tax savings key insights. [16:24] Maximize HSA contributions strategically. 7 Essential Year-End Tax Planning Strategies for 2025 When the end of the year approaches, savvy savers and future retirees know it's prime time to make smart financial moves. Here are my top seven actionable steps you can take before December 31st, and even a few after, to set yourself up for retirement success and optimize your tax situation.  1. Max Out Your Retirement Contributions For 2025, the maximum contribution is $23,500 if you're under 50 and $31,000 if you're over 50 (including a $7,500 catch-up). Contributing up to these limits reduces your taxable income for the year and boosts your nest egg for retirement, especially important if you're at your career's earnings peak. But don't wait! Corporate payroll deadlines mean these contributions typically need to be made by year's end. Self-employed individuals might have a little longer, but now is the best time to act. Setting yourself up for the new, higher 2026 limits can also help you keep your savings momentum going. 2. Utilize the Mega Backdoor Roth IRA High earners who make too much for direct Roth IRA contributions aren't out of options. The "Mega Backdoor Roth" strategy lets you contribute after-tax dollars beyond the standard 401(k) limits, then convert those funds into a Roth IRA or a Roth 401(k). For 2025, total contribution limits (including after-tax) can be as high as $77,500 if you're over 50. This powerful move can supercharge your retirement savings with the potential for decades of tax-free growth. However, not all employer plans allow in-plan conversions, so check with your HR department to explore your options. 3. Consider Roth Conversions A Roth conversion involves moving pre-tax money from a traditional IRA or 401(k) into a Roth account. You'll owe taxes on the conversion, but if you're in a low tax bracket this year, or expect to be in a higher one later, converting now could pay off substantially in future tax savings. Even small conversions ($10,000 - $20,000) can be beneficial if kept in lower tax brackets.  4. Maximize Charitable Contributions Using Donor-Advised Funds Charitable giving is generous, but it's also an opportunity to optimize taxes. Since the standard deduction now exceeds what many typically give, "bunching" several years' worth of donations into a single year using a donor-advised fund can allow you to itemize and increase your deduction. For example, funding three years of donations at once could push your deductions over the standard threshold, providing a greater tax benefit. 5. Review Stock Options for Tax Efficiency If you have stock options, especially non-qualified stock options or incentive stock options (ISOs), year-end is an ideal time to review their tax impact. Exercising during a low-income year can mean paying less tax on gains. ISOs, when held beyond the required periods, can qualify for long-term capital gains tax rates. Each type of stock option has distinct rules and opportunities for savings, so analyze your position before acting. 6. Use Flexible Spending Accounts (FSAs) Before They Expire FSAs allow you to pay for medical expenses with pre-tax dollars, saving you the equivalent of your combined federal and state tax rates (often ~30%). For 2025, you can contribute up to $3,300. Remember: FSAs are "use it or lose it," so spend down your balance, or you risk forfeiting unspent dollars, with only a limited carryover allowed. Also consider dependent care FSAs if you have eligible expenses. 7. Maximize Your Health Savings Account (HSA) HSAs are financial powerhouses, offering triple tax benefits: contributions are deductible, growth is tax-free, and withdrawals for qualified medical expenses are untaxed. The 2025 limits are $4,300 for singles and $8,550 for families, plus an extra $1,000 catch-up if you're over 55. Make sure employer contributions are factored into your personal limit, and if both spouses are eligible, consider separate accounts for maximum catch-up savings. Year-end tax planning is your chance to make meaningful progress toward retirement readiness and tax efficiency. Whether you're maximizing workplace plans, exploring Roth opportunities, leveraging charitable strategies, or optimizing account contributions, each move can compound into significant long-term benefits.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

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Most high-earning business owners are missing a legal, IRS-approved strategy that could save them tens of thousands in taxes — the backdoor Roth IRA. In this episode, Tiffany Phillips explains how this overlooked wealth-building tool works, who qualifies, and what you need to do before December 31 to take advantage of it. You'll learn why even successful entrepreneurs get bad advice from compliance-focused CPAs, how to avoid the costly mistakes that ruin this strategy, and how to use it as part of a bigger plan for tax-free retirement income. If you're making over the Roth IRA income limit and still want tax-free growth, this episode could literally change your financial future.   Next Steps:

Ready to explore the real questions shaping today's retirement conversations? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase respond to listener scenarios on family financial decisions, workplace retirement plans, and the changing job landscape—offering context to help listeners better understand the factors involved in long-term planning. In this episode, you'll: • Explore how non-monetary inheritance can influence family values, expectations, and financial communication across generations. • Review key considerations when evaluating whether to help adult children with debt while maintaining alignment with your own financial priorities. • Understand how focusing on personal financial stability can contribute to more durable and sustainable multigenerational planning. • Clarify what may occur when accessing target date funds and how portfolio allocation generally functions within workplace retirement plans. • Analyze the current discussion surrounding backdoor Roth IRA strategies in connection with 2025 tax legislation and broader tax-advantaged planning choices. • Assess situations that may prompt a review of your financial plan, including market fluctuations, life transitions, or meaningful changes in account balances. • Highlight World Economic Forum projections on how artificial intelligence may influence workforce trends and job categories over the coming years. • Identify occupations that may evolve, contract, or emerge as technology expands—from smart-home system roles to next-generation agricultural positions. • Compare traditional and Roth considerations commonly discussed within the FIRE community across various income situations. • Outline factors individuals may consider when receiving lump-sum back pay, including potential implications for overall financial planning. • Enjoy a lighthearted discussion about Gala versus SnapDragon apples and how everyday preferences can reflect broader spending habits. • Examine how fixed-income sources can be viewed within the context of an individual's overall retirement framework. This episode provides clear, educational discussion for anyone seeking to deepen their understanding of retirement-related topics. Listen and subscribe to the Retire Sooner Podcast to stay connected to future conversations. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you leave a job, you're probably focused on your next move, not tracking down that old 401(k). But those old 401(k)s are your money. And if you don't find them, manage them, or move them where they can grow smarter and harder for you, you're leaving cash on the table. Today, Nicole walks you through exactly how to track down a lost 401(k) and roll it over into a new retirement account — with all the details, step-by-step, so you don't make expensive mistakes. Rollover your old 401(k) and earn a 1% boost at public.com/moneyrehab If your old employer went out of business, check the National Registry of Unclaimed Retirement Benefits and the Department of Labor's Abandoned Plan Search Past Money Rehab episode on the difference between a Roth IRA and a Traditional IRA This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here.

#661: When your income drops, debt spikes, and a rental property starts bleeding cash, it can feel like your entire financial foundation is cracking beneath you. Veronica, our first caller, is navigating all of it at once, from a near-foreclosure to a luxury car payment that's strangling her budget. Her question is simple but enormous, how do you rebuild when you're overwhelmed and out of margin? Once we work through her path forward, we shift to a listener on the opposite end of the spectrum. Daniel has maxed his Roth IRA, HSA, 401(k), and 457, and now sits on growing surplus cash. We talk about where extra money belongs when you're aiming for early retirement and wondering whether to invest, save, or crush a low-interest mortgage. And to close, we take on a question dominating every financial feed right now, what if AI stocks really are in a bubble? We break down what it means to short the market, whether put options are actually a “safe” bet, and how to position a portfolio if you're worried about tech valuations. Listener Questions in This Episode Veronica asks (02:06): How do I dig out of debt, repair my credit, and stabilize my rental after nearly going into foreclosure. Daniel asks (28:17): What should I do with my surplus side hustle cash when I already max tax-advantaged accounts and have a 3.5 percent rental mortgage. Scarlet asks (49:20): If AI stocks are in a bubble like the dot-com era, is there any relatively safe way to profit from a crash, such as put options. Key Takeaways Why tackling the right problem first can change the entire trajectory of a debt recovery plan. How downsizing one major expense can unlock breathing room you didn't realize you had. The surprising factor that often matters more than interest rates when choosing between investing and debt payoff. Why flexible money becomes essential when planning for early retirement. What most people misunderstand about betting against a bubble, especially in fast-moving tech sectors. The simple portfolio shift that can help calm bubble anxiety without trying to time the market. Resources and Links GreenPath Financial Wellness – nonprofit credit counseling and debt management support for people overwhelmed by payments and afraid of bad actors in the debt relief world. Our course: Your Next Raise – a deep dive on how to negotiate a higher salary at work, with a special comp offered in this episode. Paul Merriman Four-Fund Portfolio – the simple, diversified investing framework Daniel uses inside his retirement accounts. The Big Short movie Michael Lewis and the film adaptation. 1929 book by Andrew Ross Sorkin – a historical look at bubbles and crashes. Chapters Note: Timestamps are approximate and may vary greatly across listening platforms due to dynamically inserted ads. (0:00) Veronica's debt crisis and rental challenges (16:46) Cutting car costs and rebuilding cash flow (22:28) Debt relief programs and avoiding bad actors (28:17) Daniel's surplus cash and retirement strategy (37:52) Brokerage vs mortgage payoff discussion (49:20) Can you profit from an AI bubble burst (1:00:40) Why shorting and puts rarely pay off (1:08:18) Safer ways to position your portfolio Got a question: Call it in: https://affordanything.com/voicemail Share this episode with a friend, colleagues, your veterinarian: https://affordanything.com/episode661 Learn more about your ad choices. Visit podcastchoices.com/adchoices