Podcasts about spousal

Episode Summary In this episode of the Canadian Immigration Podcast, hosts Mark Holthe and Alicia Backman-Beharry shine a light on one of the most overlooked pathways to staying in Canada: the open work permit for spouses and dependent children of permanent residence sponsorship applicants. They clarify who qualifies, how the process differs for in-Canada vs. Family Class applications, and how to avoid costly mistakes. With processing delays, stricter rules, and fewer temporary pathways, this episode is essential for couples navigating the PR journey. Key Topics Discussed Who's Eligible: Only spouses and dependent children included in a PR sponsorship (not PGWP holders or student spouses). Inland vs. Outland Sponsorship: Family Class applicants can now apply for open work permits too—without losing the right to appeal or travel. Processing Times & AOR: You generally need an Acknowledgment of Receipt (AOR) to apply—but there's a two-week grace rule if your status is expiring. How to Apply Properly: Must apply online through IRCC's portal with correct job codes and supporting documents—no flagpoling or border apps allowed. Out-of-Status Pathway: A slower paper-based route exists for applicants with no valid status, but only after getting approval in principle. Key Takeaways A valid PR sponsorship with AOR unlocks the open work permit. Don't wait—timing and document accuracy are critical. Even Family Class sponsors in Canada may qualify. Seek legal help to avoid costly delays or misrepresentation. Quotes from the Episode Mark Holthe:“If you don't follow the instructions, the processing times are so long that if something goes wrong, you're probably landing in a really tough spot.” Alicia Backman-Beharry:“You only have a two-week window. This is why I wanted to bring attention to this category—it can make a huge difference in people's lives.” Links and Resources Watch this episode on YouTube Canadian Immigration Podcast Book a consult Enroll in the Express Entry Accelerator and Masterclass Subscribe for MoreStay up-to-date with the latest in Canadian immigration by subscribing to the Canadian Immigration Podcast on iTunes, Spotify, or YouTube. Don't miss future episodes on policy changes, strategies, and practical advice for navigating Canada's immigration process. Disclaimer This episode provides general information about Canadian immigration and is not intended as legal advice. For personalized assistance, consult an immigration lawyer.

Aubrey Masango speaks to Claire Thomson, an attorney in private practice to unpack divorce settlements and maintenance. Claire further explains what really separates the two, and exactly what the law says about each. Tags: 702, Aubrey Masango show, Aubrey Masango, In community of property, Out of Community of property, Customary marriage, Divorce, Divorce settlement, Spousal maintenance The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Widow 180: The Podcast welcomes Amber Vogt, a recent widow navigating life after the sudden loss of her husband, Jay, in April 2024. Amber opens up about the shock and trauma of that day, parenting through grief, and the unexpected challenges of solo adulthood. Her story is raw, vulnerable, and ultimately inspiring. Here are five standout takeaways from our conversation:Trusting Your Instincts: Amber shares how paying attention to a “weird feeling”  caused her to go home from work and check on her husband—reminding us to listen to our gut, especially during uncertain times.The Fog of Grief: The initial days following loss can be a blur; Amber only remembers fragments and emphasizes that it's normal to struggle with memory, planning, and focus after trauma.Importance of Hard Conversations: Having discussed funeral wishes and life plans with Jay helped tremendously—Amber encourages everyone to talk openly about end-of-life decisions, no matter how uncomfortable.Seeking Help and Letting Go: From home maintenance to parenting and finances, Amber's journey highlights the value of asking for support and accepting that independence sometimes means leaning on others.Giving Yourself Grace in Change: Whether it's tackling household projects as a form of coping, adapting to new routines, or learning to forgive yourself for not having all the answers—Amber's story illustrates that healing requires patience, self-compassion, and permission to keep moving forward.Tune in every week for honest widow talk  and conversations about loss, resilience, and learning to rebuild life!Get our latest workbook in the Widow 180 Workbook Series, The Let Go Of Guilt Workbook if you need help releasing the tiring burden of guilt after losing your spouse. Get all of the details at https://www.widow180.com/guiltGet support from our community and join our Facebook Group, Widow 180 The Community on Facebook! Be sure to join our Facebook group, Widow 180 The Community: https://www.facebook.com/groups/312036956454927Also follow us on Insta: https://www.instagram.com/widow_180/Check us out on YouTube at Widow 180: The Channel: https://www.youtube.com/channel/UC-DK_dl31qMilJ5cE6t9MVQFor more blog posts and resources go to www.widow180.comQuestions? Email me at jen@widow180.com

Jim and Chris discuss listener questions on spousal Roth IRA eligibility, backdoor Roth contributions using a solo 401k, Social Security timing, post-tax contributions to an IRA and 401k , and an HSA strategy coordinating withdrawals with Roth conversions.(9:30) George asks whether he can contribute to a spousal Roth IRA after his retirement if his wife […] The post Spousal Roth, Backdoor Roth, Social Security, Post-Tax Contributions, HSA Strategy: Q&A #2542 appeared first on The Retirement and IRA Show.

Episode 96 — Debunking Social Security Myths (Part 2)Episode SummaryIn this second installment of our two-part Social Security series, we continue busting the most common — and costly — myths surrounding Social Security.From the misconception that Social Security alone can fund a comfortable retirement, to the idea that everyone automatically qualifies for benefits, these misunderstandings can lead to financial shortfalls that are hard to recover from.We'll unpack the math, explore real-life examples, and explain why personalized retirement planning is essential. We'll also share a valuable strategy for those claiming spousal benefits — and how to avoid leaving money on the table.Remember: Social Security is important, but it's just one part of your retirement plan.What You'll Learn in This Episode:Why contributing to Social Security isn't the same as saving for retirementHow much income Social Security really replaces — and for whomThe truth about who qualifies for benefits (and who doesn't)Why some retirees are shocked by how little they receiveHow Australia's retirement system compares to Social SecurityWhen (and when not) to claim spousal Social Security benefitsKey Takeaways:Social Security is not a retirement plan. It's a supplement — not a substitute — for personal savings like IRAs or 401(k)s.Claiming early reduces benefits, and delaying only helps if it's your own benefit — not a spousal one.Spousal benefits cap out at 50% of your spouse's full benefit and do not increase after your FRA.Only those who've paid into the system for 10+ years qualify — and even then, benefits are based on your 35 highest-earning years.Under-the-table wages hurt your future benefits. Report income accurately to protect your retirement.A holistic retirement strategy — including taxes, income sources, longevity, and goals — leads to better outcomes.Referenced Resources:Listen to Episode 95 – Debunking Social Security Myths (Part 1)Social Security Administration Benefit Calculator: ssa.govAARP: Understanding Social Security's Progressive Benefit FormulaWant More?Subscribe to One for the Money on your favorite podcast platform.Ready to plan your ideal retirement? Schedule a free consultation with our team.https://BetterPlanningBetterLife.com Connect with Jonny on LinkedIn

A Marine was sentenced to 26 years for murdering his wife on base as the Army investigates another spouse found dead on Schofield Barracks weeks earlier. Wives are sounding the alarm about the violence and lack of information being provided to the community by military leadership. Staff Sgt. Alonzo Alcantara was sentenced on Sept. 30, 2025, for the murder of his wife, Ruby Tenorio Alcantara, who died just over a year prior, on Sept. 1, 2024. Alcantara admitted in court to using a rear-naked chokehold, a martial arts technique taught by the Marines, to kill his wife during an argument about finances and his legal troubles. But the autopsy report that HNN Investigates obtained shows she had a lot more injuries, indicating Alcantara did more that just a chokehold. The couple’s 8-year-old son witnessed the violence, it was revealed in court, and their younger child was also in the home at the time. The Alcantara children are now living with family members who are struggling to pay the bills. There is a GoFundMe set up to help.

You might have seen those viral articles promising a mysterious multi-thousand-dollar Social Security “bonus,” but are they actually legit? On the show this week, I separate fact from fiction, debunking the myths and sharing seven actionable strategies to help you get the most out of your Social Security over your lifetime.  Whether you're curious about how working longer, delaying your benefits, checking your earnings record, or understanding tax implications can impact your retirement paycheck, this episode is packed with valuable tips to help you make sure you're not leaving money on the table.  You will want to hear this episode if you are interested in... [00:00] Retirement Planning Misconceptions Explained. [03:25] Filling in or replacing "zero" or low-earning years boosts benefits. [04:26] Reasons for and against early collection. [06:48] Repay benefits within one year of starting to “reset” your claim. [08:15] Eligibility requirements for spousal benefits. [12:28] How to check your Social Security earnings. [13:00] Strategies to delay taxable distributions and reduce Social Security taxation. Debunking the Social Security "Bonus" Myth Many retirees have seen headlines promising a massive Social Security “bonus" that most people don't collect. Let's be real, this so-called "bonus" isn't some sort of secret benefit; it's a reference to the cumulative value you could gain over your lifetime by paying a little attention to your Social Security strategy and reducing your tax liability. In other words, there's no one-time check or hidden program, just savvy planning that can add up to tens of thousands more in your pocket. 1. Work Longer, Maximize 35 Years of Earnings The Social Security Administration calculates your benefit using the highest 35 years of your working life. If you retire with fewer than 35 years of work, the missing years count as zero, lowering your benefit. Even for those with a full 35-year history, additional years of higher earnings (often later in your career) can replace lower-earning years, bumping up your monthly check. Working a little longer not only increases your benefit but may also put you in a better position for retirement overall. 2. Delay Claiming Benefits  While you are eligible to start at age 62, waiting until your full retirement age (typically 66 or 67), or even delaying to age 70, can significantly increase your monthly benefit. For every year you wait past full retirement age (up to age 70), you receive an 8% credit, on top of any cost-of-living adjustments. There are some exceptions where it may make sense to claim early, such as serious health issues or unique family situations.  3. Unwind an Early Claim with Repayment If you've already claimed Social Security but then realize you made a mistake, there is a potential do-over option. If you started benefits within the past year, you can repay the benefits received (without interest) and reset your claiming strategy to earn a higher benefit later. This is a once-in-a-lifetime opportunity and includes repayment of any Medicare premiums withheld, so be sure this move fits your broader financial plan. 4. Don't Miss Out on Spousal and Survivor Benefits If you're married, you can claim a spousal benefit up to 50% of your spouse's benefit at your full retirement age. This strategy can be a huge game-changer for non-working or lower-earning spouses. When a spouse passes away, the survivor can step up to the higher of the two benefits, which is why it's important to maximize the higher earner's benefit for long-term security. 5. Check Your Social Security Earnings Statement Regularly Mistakes happen, even with Social Security's generally high record-keeping accuracy. Reviewing your annual earnings statement ensures all your income is being counted, and thus, your benefit is maximized. Errors not caught early can seriously reduce your benefit down the road. 6. Be Tax-Smart About Social Security Benefits By smartly timing IRA distributions, capital gains, and part-time work, you can potentially reduce or even eliminate the tax owed on your benefits for several years. For couples with a combined income under $32,000, none of the benefit is taxable, while at higher incomes, up to 85% can be taxed. Knowing these thresholds is key to tax-efficient retirement income planning. 7. Get Advice When Needed Social Security may be just one piece of your retirement puzzle, but it's a critical one. Consulting with a financial advisor can help you coordinate claiming strategies, minimize taxes, and make the right decisions for your unique situation. While there's no hidden "Social Security bonus" waiting to be claimed, a thoughtful approach to your Social Security strategy can result in thousands, even tens of thousands, of dollars more in your retirement years. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Can't Tear My Eyes From You, Chapter 7: Homosexual Romantic TraditionThe loophole in the challenge is exploited, but not all of the contestants are happy about it. Cast:Marge Dunn as Raine RandolphAmanda Egbu as Georgia WhittakerJosephine Moshiri Elwood as Valentina Ride and the Cash For Homes AnnouncerEleanore Cho Fellerhoff as Holliday Murdock and WifeJoshua Ilon as Customer 2Tooky Kavanagh as The Algorithm and Customer 1Quinn McKenzie as Capote WhittakerMelody Perera as Anouk KalharaStefano Perti as Dennis LangMarc Pierre as Sergeant MurdockStewart Evan Smith as Taylor Kelley and HusbandAlexander Stravinski as The Host and the Bully 1(Trigger warnings can be found at the bottom of this episode description and at the end of the transcript.)-------You can find all of our transcripts here. Transcripts will come out along with the public release of the episode and include all required SFX attributions.On staff at the Penumbra:Ginny D'Angelo -- Head of operationsMelissa DeJesus -- Script editing teamHarley Takagi Kaner -- Co-creator, director, sound designerJoelle Kross -- TranscriptionistGrahame Turner -- Script editing teamKevin Vibert -- Co-creator, lead writerRyan Vibert -- Composer and performer of original musicJeff Wright -- Graphic designer--------Trigger warnings:- Spousal abuse -- emotional, verbal, physical- Homophobia and transphobia- Racism and xenophobia- Abuse of authority- Violence and threats of violence- Sudden loud noises- Descriptions of military occupation and violence- Deception and gaslighting- Homelessness- Climate catastrophe- Descriptions of killingYou can find early and ad-free episodes, production scripts, commentary tracks, blooper reels, livestreams with the creators, and much more, at The Penumbra Podcast: SPECIAL EDITION. Hosted on Acast. See acast.com/privacy for more information.

Inheriting money from your spouse is a pretty straightforward process, but when money is passed down from parents or other family members, the rules get a bit more murky. Donna and Nathan discuss the process of distributing assets from a non-spousal inheritance, and the tax implications of getting it wrong. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. —Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features, and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company, not an outside entity. Investors are cautioned to carefully review an index annuity for its features, costs, risks, and how the variables are calculated. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/30/2025; Original Air Date: 7/1/2025. 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.

Spousal maintenance take centre stage in this episode which analyses Judge Whelan's 2021 Court of Appeal judgment. This week, Judge Baker and Claire Collins SC break down the nuanced considerations around limited-term maintenance orders, the burden of proof for future earning capacity, and the constitutional recognition of homemakers. ___ N.O. v P.Q. [2021] IECA 177 https://www2.courts.ie/acc/alfresco/ed263e66-9a1f-46d3-b1f9-8faa8f20b036/2021_IECA_177%20(Unapproved).pdf/pdf#view=fitH Note: The presenters are not offering or seeking to offer legal advice or assistance. Their aim is to explain some new cases which elucidate the constitutional and legal principles in divorce and judicial separation. Any person who is affected by any of the issues raised, or the examples used, should consult with a solicitor.

Host Wood shares reactions after listening to an episode of the Dear Future Wifey podcast's "Love After Loss" episode with married couple Ray and Lexus Singleton. After hearing some familiar and inspiring details about the introduction and courtship of the Singletons, Wood gets into some sharing about the part of spousal grief for which it's hard to find content - raw details about the early and mid period of an older widowers Year 1. Then, since we're talking about rookies, Wood speaks on on the intersection of what's being referred to as Black Fatigue and talking a lil' ball regarding Cleveland Browns 3rd string QB Shedeur Sanders.

When a sudden car crash shatters her world, a woman's grief and struggle to keep living leads her to an unexpected rebirth of love.Today's episode featured Polly Vickery. If you'd like to contact Polly, you can email her at pollyvickery81@gmail.com. Polly is on Instagram and Facebook @PollyVickery Producers: Whit Missildine, Andrew Waits, Ellen (Elly) Westberg, Aviva LipkowitzContent/Trigger Warnings: Child death, Spousal death, Graphic accident details, Medical trauma, Grief and bereavement, Suicidal ideation, Survivor's guilt, Anxiety/PTSD, explicit languageSocial Media:Instagram: @actuallyhappeningTwitter: @TIAHPodcast Website: thisisactuallyhappening.com Website for Andrew Waits: andrdewwaits.comWebsite for Aviva Lipkowitz: avivalipkowitz.comWebsite for Ellen Westberg: shedatespodcast.com Support the Show: Support The Show on Patreon: patreon.com/happening Wondery Plus: All episodes of the show prior to episode #130 are now part of the Wondery Plus premium service. To access the full catalog of episodes, and get all episodes ad free, sign up for Wondery Plus at wondery.com/plus Shop at the Store: The This Is Actually Happening online store is now officially open. Follow this link: thisisactuallyhappening.com/shop to access branded t-shirts, posters, stickers and more from the shop. Transcripts: Full transcripts of each episode are now available on the website, thisisactuallyhappening.com Intro Music: “Sleep Paralysis” - Scott VelasquezMusic Bed: Cylinder Four ServicesIf you or someone you know is struggling with the effects of trauma or mental illness, please refer to the following resources: National Suicide and Crisis Lifeline: Text or Call 988 National Alliance on Mental Illness: 1-800-950-6264National Sexual Assault Hotline (RAINN): 1-800-656-HOPE (4673)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textCatch and release? Chris Scott now knows the process firsthand. The rookie MPP for Sault Ste. Marie was arrested Sunday night for alleged spousal abuse and released on bail the following day. He is charged with one count of assault and one count of assault with a weapon — the weapon being “a high chair,” according to court documents. (None of the allegations have been tested in court and Scott is presumed innocent until proven guilty).The 35-year-old was promptly booted from Doug Ford's PC caucus and is now an Independent MPP (at least for the time being). Although the NDP is demanding his resignation, Scott has yet to answer questions about the criminal case or his future as a politician.Should he step down? Can fellow MPPs force him to resign? And what do we know about Chris Scott, a one-time senior Ford staffer handpicked by the Premier to run in February's provincial election?Joining us on tonight's Closer Look are two Village Media journalists who covered the breaking story: Jessica Smith Cross, editor-in-chief at The Trillium, and Kenneth Armstrong, a reporter at SooToday.You can watch the full episode in the above YouTube video. Earlier this year, Scott sat down with SooToday for a one-on-one interview during the provincial election race.Hosted by Village Media's Michael Friscolanti and Scott Sexsmith, and produced by Derek Turner, Closer Look is a new daily podcast that goes way beyond the headlines with insightful, in-depth conversations featuring our reporters and editors, leading experts, key stakeholders and big newsmakers.Fresh episodes drop every Monday to Friday at 7 p.m. right in your local news feed — and on the show's dedicated website: closerlookpodcast.ca. Of course, you can also find us wherever you get your favourite podcasts.Want to be the first to know when a new episode lands? Sign up for our free nightly newsletter, which delivers the latest Closer Look straight to your email inbox. You can also subscribe to our YouTube channel or follow us on X, Instagram, Facebook and TikTok.Have something to say? Please reach out. Our email address is closerlook@villagemedia.ca.

Marriage is like a mirror—it reflects both the beauty we love and the flaws we'd rather avoid. Like mirrors, our spouses often reveal truths about us that we can't see on our own. God uses marriage to shape us, to refine us, and to prepare us for His purposes. The problem is that none of us enjoy having our weaknesses exposed. Our natural instinct is to deny, defend, or pull away. But when we distance ourselves from our spouse's observations, we not only weaken the bond of marriage but also miss an opportunity for spiritual growth and deeper intimacy with God. Thriving marriages grow when we choose to look in the mirror instead of turning away. That means noticing our emotional triggers, inviting honest feedback, and communicating without blame. Practical tools like journaling, counseling, or even a monthly “mirror date” can help couples reflect and grow together. Proverbs 27:17 reminds us, “As iron sharpens iron, so one person sharpens another.” The next time you feel criticized or irritated, ask yourself: “What is this showing me about me?” Marriage is not just about comfort—it's God's way of making us more like Him. Lean into the truth your spouse reflects, and let it strengthen both your relationship with God and with each other

Welcome back to Market Moment! In today's episode, Matt, Lee, and Isaac tackle one of the most frequently asked retirement planning questions: "When should I claim Social Security benefits?" If you're approaching age 60 or older, you've likely seen projections, conflicting advice, and heard it all—from "claim early at 62" to "wait until 70 for the biggest payout." Today, we break down how to evaluate your optimal Social Security claiming age based on: ✅ Life expectancy and personal health ✅ Investment portfolio pressure ✅ Income penalties before full retirement age ✅ Emotional and psychological factors ✅ Spousal strategies and survivor benefits ✅ Common myths around Social Security going away   Plus, we share general rules of thumb and how we use financial planning software to tailor decisions to each client's situation. If you're wondering whether to take benefits early, wait, or plan around your spouse's benefit—this episode is for you.  

The hidden complexities of Social Security could cost retirees tens of thousands over a lifetime. While it may seem like a simple income source, the right strategy can dramatically improve your financial security.Claiming isn't one-size-fits-all. Protecting a spouse, guarding against longevity risk, or maximizing investments each call for a different approach. Traditional breakeven analyses often miss key factors like the opportunity cost of using investments while waiting for benefits.Spousal and survivor benefits can be game-changers—especially for couples with different earning histories. Even divorced individuals from long marriages may have powerful options.Taxes add another layer. Up to 85% of your benefits can be taxable, but with smart planning, that burden can shrink. And if you work while claiming early, your benefits may be reduced, erasing the advantage.Most importantly: retiring and claiming benefits are separate decisions. Your Social Security continues to grow whether you work or not, creating opportunities for better coordination across income sources and better after-tax income.Discover how mastering these Social Security secrets can transform your retirement strategy and your peace of mind.-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!

For years, the Windfall Elimination Provision and Government Pension Offset reduced benefits for those who had rightfully earned them. Now that those policies are gone, many are left with questions. Eddie Holland joins us to help clarify what's changed and what it means for your retirement.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Quick History of WEP and GPOThe Windfall Elimination Provision (WEP), enacted over 40 years ago, reduces Social Security benefits for individuals receiving a non-covered pension—a pension from which no Social Security taxes were withheld. This often included employees in state and local government jobs, such as teachers, police officers, and firefighters.Similarly, the Government Pension Offset (GPO) reduced a spousal or survivor benefit for individuals in the same situation. These rules were designed to prevent “double-dipping,” but they often unfairly penalized modest-income workers, sometimes reducing their monthly Social Security checks by hundreds of dollars—or even eliminating their spousal or survivor benefits entirely.The Social Security Fairness Act of 2025That changed on January 5, 2025, when President Joe Biden signed the Social Security Fairness Act. This legislation repealed both WEP and GPO, effective retroactively as of January 2024. As a result:Nearly 3 million Americans became eligible for retroactive benefits.Future monthly benefits for those affected have also been adjusted upward.This marks a significant win for many retired public servants who had long felt the weight of these provisions.What to Expect if You're AffectedThere are two phases of payments:Retroactive Payments – Starting in March 2025, some individuals received large one-time deposits representing the benefits they should have received since January 2024. These payments often arrived with little to no explanation, leaving many confused. Adjusted Monthly Benefits – Beginning in April 2025, Social Security began increasing ongoing monthly benefits for those impacted.It's important to note that these changes only apply to individuals with a non-covered pension, not all civil service employees.Steps to Take if You Think You QualifyIf you believe these changes may apply to you, Eddie recommends two simple steps:Check Your Account Online. Visit SSA.gov to log in to your account (or create one if you haven't already). Contact the Social Security Administration. If your account doesn't show any updates or you have questions, call 1-800-772-1213 or schedule an appointment at your local SSA office to speak directly with an agent.If navigating these changes feels overwhelming, consider consulting a Certified Kingdom Advisor (CKA) who specializes in matters related to Social Security, who can help you make informed, faith-based financial decisions. You can find one in your area by visiting FaithFi.com and clicking “Find a Professional”. On Today's Program, Rob Answers Listener Questions:I'm 60 years old and planning to retire early at 62. I'd also like to pay off my house before I retire. Is that a smart move, and is it realistic given my current financial situation?I understand that retiring before my full retirement age will result in a reduction of approximately 8% per year in my Social Security benefit. How do Social Security cost-of-living adjustments factor into that reduction?My grandson wants to be added as an authorized user on my credit card to take advantage of my good credit score so he can get a lower interest rate on a car loan. Is that a wise decision?At what age am I required to start taking distributions from my 401(k)? Also, I have two family members—one with dementia and another recovering from a stroke. How can we protect their assets, such as their house and 401(k), if they need long-term care?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Some retirement options (like 401ks) can only be funded with contributions from income. So where does that leave full-time parents and homemakers? Luckily, there is a solution. Nicole breaks down the retirement option every spouse not earning income needs to know, and even how to include it in a prenup. 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. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1890144), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC.  *APY as of 6/30/25, offered by Public Investing, member FINRA/SIPC. Rate subject to change. See terms of IRA Match Program here: public.com/disclosures/ira-match.

For married couples planning their retirement, understanding spousal Social Security benefits can seem like a labyrinth. This week, I'm answering a listener's question about how spouses can maximize their Social Security benefits. Join me as I break down the key rules, eligibility requirements, and strategies that can help you and your spouse make the most of your benefits over your lifetimes.  Whether you're nearing retirement or still a few years away, I can help you understand primary insurance amounts, full retirement age, and what happens if one spouse claims benefits early. If you want to ensure you and your loved one have a smart plan for Social Security, this episode offers essential insights and actionable advice. You will want to hear this episode if you are interested in... [02:33] Eligible spouses may receive at least half of their partner's full retirement benefit. [05:25] How much of a spousal benefit will you receive?  [07:42] Strategies to manage spousal benefits. [09:54] Spousal benefits are reduced by $1 for every $2 earned over the limit. [10:30] Applying for a spousal benefit. Understanding Spousal and Survivor Social Security Benefits  Spousal benefits exist to ensure that partners in a marriage—including those who spent little or no time in the workforce—can still access a stable retirement income. If you're married, you could be eligible to receive up to half of your spouse's full retirement benefit, commonly referred to as their Primary Insurance Amount (PIA). This benefit is designed for spouses who don't qualify for a significant benefit on their own due to having spent less time in the workforce, perhaps because they were caring for the home or raising a family. At a minimum, every spouse can claim at least 50% of their partner's PIA, but only if their own benefit is less than this amount. This safety net helps ensure that lower-earning spouses are not left without Social Security support in retirement. Eligibility Requirements: Who Qualifies and When? To collect a spousal benefit, several conditions must be met: The Higher-Earning Spouse Must File: You cannot receive a spousal benefit until your spouse has filed for their own Social Security retirement benefit. Minimum Age: The spouse collecting the spousal benefit must be at least 62 years old. Marriage Requirements: You must be legally married, though in some states, common law marriages are recognized. Timing Matters: To collect the full 50%, you must wait until your own full retirement age, which is generally 67 for those born after 1960. Claiming earlier results in a reduced benefit, often as low as 32.5%-37.5% of your spouse's PIA if you file at age 62. For example, in the listener scenario discussed in the episode, the wife began her benefit at 64. Because she started before her own full retirement age, she is only eligible for 37.5% of her husband's benefit—less than half. Strategies for Maximizing Spousal Benefits Determining when to claim Social Security is a nuanced decision: Higher-Earning Spouse Delays, Lower-Earning Spouse Claims Early: Often, the lower-earning spouse might claim their own benefit early, while the higher earner waits until full retirement age or even 70 to claim. This maximizes the survivor benefit for the lower earner, as a widow or widower can "step up" to the deceased spouse's higher benefit. Cost of Living Adjustments (COLA): Increases in Social Security benefits due to COLA apply both to individual and spousal benefits. Because COLA is a percentage, it may cause dollar amounts to shift, but it will not change the eligibility for claiming spousal benefits unless there is a significant gap. Survivor Benefits: If the higher earner passes away, the surviving spouse can "take over" the higher benefit. This makes it advantageous for the higher earner to delay benefits if the couple is concerned about long-term financial security. How to Apply for Spousal Benefits Applying is straightforward and can be done online at SSA.gov, by calling the Social Security office, or in person. Be prepared to provide proof of age, a marriage certificate, and possibly your spouse's work records. Maximizing Social Security as a couple comes down to knowing the rules, timing your decisions, and using strategic thinking to boost your household's retirement income. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Benefits for Spouses  Collecting Divorced Social Security Benefits Ep41 Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Difference in premiums with Medicare Supplements. Importance of Callbacks.  Rite Aid closures.  Cuts to Medicare.  Spousal discounts.

Welcome back to another edition of Women and Wealth!    This week, Regina circles back to social security but with a twist: What do your benefits look like when you're divorced? From qualifying for the benefits themselves, to the requirements and special circumstances you may find yourself in – Regina is breaking down all the ins and outs when it comes to your (ex) spouse – as well as some pointers on how you should be approaching social security, and on a larger scale, retirement. Episode Highlights:   0:00 - Introduction 1:15 - Requirements to receive an (ex) spouse's benefit 3:05 - Switching over to survivor benefits 4:10 - Divorced spouse benefit 6:10 - “Does my ex spouse need to apply for…” 6:40 - Do you need to tell your ex-spouse? 9:49 - Qualifying for spousal benefits, “full retirement age” 17:12 - Can you start one benefit and then switch to another? 18:28 - Survivor benefits (if my ex is deceased) 20:03 - Spousal vs. survivor benefits 22:21 - More specific questions 27:35 - Earnings limits (under full retirement age) 29:35 - Episode wrap-up ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.   This material was prepared by MFS Investment Management. MFS Investment Management is not affiliated with Forge Wealth Management, Private Advisor Group, or LPL Financial.

Guest Bio: Heather Kolb is the Associate Director of Product Development and a neuroscience professional for Pure Desire. She has a Bachelor's degree in Psychology, a Master's degree in Criminal Behavior, and is a certified Pastoral Sex Addiction Professional (PSAP) through the International Institute for Trauma and Addiction Professionals (IITAP). Heather has been trained in the Multidimensional Partner Trauma Model (MPTM) through The Association of Partners of Sex Addicts Trauma Specialists (APSATS). She worked several years as a college professor prior to joining Pure Desire. She is also a speaker and contributing author to Digital Natives: Raising an Online Generation, Unraveled: Managing Love, Sex, and Relationships, Betrayal & Beyond, and Authentically You.   Show Summary: When was a moment in your life when you felt betrayed? Heather Kolb was in the thick of parenting young children when she found out her husband was being dishonest with her and battling sexual addictions. Scared and heartbroken, Heather stepped away from the church and managed things on her own until she found Pure Desire Ministries. Join hosts Elisa Morgan and Eryn Eddy Adkins as they hear from Heather about her story and discover how we can recover from patterns of addiction during this God Hears Her conversation.  Notes and Quotes:  “My life felt out of control, and yet I had been doing all the things that I had been taught to do in the church. I had been praying and reading my Bible and waiting for God to deliver me from this unbearable situation, and [what I had prayed for] happened, but it didn't happen the way that I prayed for it to.” —Heather Kolb  “There are parts of my story that I wish I had answers to and I don't have any closure on. But I do know that God held me through—even when making bold decisions that other people disagreed with.” —Eryn Eddy Adkins  “What are those core messages, the negative core beliefs that you have about yourself?” —Heather Kolb  “When discovery or disclosure [of a sexual addiction] happens, you are walking into the middle of a story.” —Heather Kolb  "The best way to find healing for yourself—not even for the marriage, because that decision might come later—is to find safety and stability and reclaim your identity in Christ by joining a group of other women who are walking a similar road of healing.” —Heather Kolb  “I kept silent, I quietly left the church, I didn't tell anyone. That piece of it really left a hole in my heart for a lot of years because I couldn't trust anyone.” —Heather Kolb  “[A safe group of women] is going to be the thing that helps you to build safety and stability, not only for your marriage but for you—as a person and as a daughter of Christ—to find who you are in the midst of this messiness.” —Heather Kolb  Related Episodes: GHH Ep 145 – Sitting on the Sidelines with Bethany Toney: https://godhearsher.org/podcast/sitting-on-the-sidelines/ GHH Ep 168 – Walking Through Infidelity with Jami Nato: https://godhearsher.org/podcast/walking-through-infidelity/ GHH Ep 196 – Seeking Pure Desires with Ashley Jameson: https://godhearsher.org/podcast/seeking-pure-desires/  Links:  Pure Desire Ministries Website: https://puredesire.org/ Pure Desire Ministries Instagram: https://www.instagram.com/puredesirepdmi/ Pure Desire Ministries Facebook: https://www.facebook.com/PureDesirePDMI/ Unshakable Moxie BOGO Deal: https://go.odb.org/bogoGod Loves Her Devotional: https://a.co/d/7F8R0qCGod Hears Her Instagram: https://www.instagram.com/godhearsher/?hl=en God Hears Her Facebook: https://www.facebook.com/GodHearsHer God Hears Her website: https://go.odb.org/ghh191  Subscribe to the God Hears Her YouTube channel: https://www.youtube.com/@GodHearsHerODBM Share Your Story:  https://godhearsher.org/share-your-story/ God Hears Her email sign-up: https://go.odb.org/ghh-sign-upsfmc191  Subscribe on iTunes! https://podcasts.apple.com/us/podcast/god-hears-her-podcast/id1511046507?utm_source=applemusic&utm_medium=godhearsher&utm_campaign=podcast Shop God Hears Her books and resources: https://go.odb.org/ghh-shop191  Unshakable Moxie Series: https://read.odb.org/unshakable-moxie/ Elisa's Instagram: https://www.instagram.com/elisamorganauthor/ Eryn's Instagram: https://www.instagram.com/eryneddy/ Vivian's Instagram: https://www.instagram.com/vivmabuni/ Our Daily Bread Ministries website: https://go.odb.org/odbm191  

Do you have a client that has a difficult spouse? In this episode of The Financial Coaches Podcast Cody shares a case study of a client that he is working with that has a spouse that is not working the plan at all, and may even be financially abusing their partner. The hosts talk through the situation and give their perspectives.

Facing the possibility that you or your spouse might need nursing home care is daunting enough without the added stress of potential financial ruin. The stark reality—nursing homes cost between $10,000 and $15,000 monthly—means even substantial estates can be rapidly depleted, leaving a healthy spouse vulnerable.In this deeply informative conversation, Elder Law attorney Greg McIntyre and his colleague Jane Dearwester demolish common misconceptions about spousal protection while revealing powerful strategies to preserve assets. The duo emphasizes that marriage alone doesn't grant financial authority over a spouse's assets—a dangerous assumption many couples make. They detail why a comprehensive general durable power of attorney with specific gifting provisions serves as the essential "linchpin" for any protection plan.The attorneys explain two game-changing tools most people never hear about: Lady Bird deeds and Medicaid Asset Protection Trusts. Lady Bird deeds offer immediate home protection without Medicaid's five-year look-back period—allowing you to maintain complete control of your property while shielding it from recovery. For broader asset protection, irrevocable trusts create crucial separation between you and your assets while still allowing you to receive income benefits. As Greg explains, "You get the benefits as the lifetime income beneficiary and you get the benefit of the long-term care benefit. It's just a win-win."With 70% of people over 65 eventually needing long-term care, preparation isn't optional—it's essential. Take the first step toward protecting your spouse and preserving your legacy by scheduling a free consultation at mcelderlawcom/scheduling or calling 1-888-999-6600.

This conversation provides a comprehensive overview of evidentiary privileges, focusing on attorney-client privilege and the work product doctrine. It explores the nuances of these privileges, including their application in corporate settings, the fiduciary exception, and the roles of lawyers and their agents. The discussion also addresses the complexities of communication components, common interest doctrines, exceptions, waivers, and the burden of proof in privilege claims. The conversation emphasizes the importance of understanding these principles for effective legal representation and navigating the challenges of litigation.TakeawaysUnderstanding evidentiary privileges is essential for legal practice.Attorney-client privilege encourages open communication between clients and lawyers.The work product doctrine protects materials prepared in anticipation of litigation.Corporate clients present unique challenges regarding privilege.The fiduciary exception can redefine who holds privilege.Lawyers' agents can play a crucial role in maintaining privilege.Communication components determine what is protected under privilege.Common interest doctrine allows sharing of privileged information but carries risks.Waivers can occur inadvertently, complicating privilege claims.The burden of proof for privilege claims typically lies with the asserting party.attorney-client privilege, work product doctrine, legal ethics, evidentiary privileges, corporate law, fiduciary exception, legal representation, confidentiality, privilege waivers, legal education

Artificial intelligence isn't just a buzzword anymore. It's driving market highs, reshaping industries, and sparking debate about whether it's a bubble or a lasting revolution. In this week's Money Hour, Jeremiah and Nic talk about how AI could impact investments, jobs, and even wages. They explore where AI already outperforms humans and why emotional intelligence may be the skill that keeps you relevant in the workplace. The guys also unpack the latest updates on Social Security, clarifies common misconceptions about spousal and survivor benefits, and explains why relying on the SSA for advice could cost you. Plus, they highlight big changes coming out of the “Big Beautiful Bill,” including new opportunities with 529s, the rollout of “Trump Accounts” for kids, and tax code updates that could save retirees thousands.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Jeremiah Bates & Nic Daniels

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions continue their deep dive into Social Security, focusing on strategies to maximize your benefits. They discuss the importance of understanding your full retirement age, the impact of claiming early or delaying, and how spousal and survivor benefits can play into your plan. Jim & Casey also cover taxation of benefits, coordination with other income sources, and key mistakes to avoid. This episode offers practical, clear guidance to help you make the most of your Social Security decisions. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction to Today's Topic 00:38 Review of Social Security Basics from Part 1 02:14 Full Retirement Age and Its Impact 04:56 Early Claiming: Pros, Cons, and Long-Term Effects 08:20 Delaying Benefits for Higher Payouts 11:05 Spousal and Survivor Benefits Explained 15:32 Taxation of Social Security Benefits 18:45 Coordinating Social Security with Other Income 22:10 Common Mistakes and How to Avoid Them 25:54 Final Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Is Spousal Approval Necessary for Family Support?

We go inside the the enormity, complication, and notoriety of the BEZOS PRE-NUP AGREEMENT with divorce attorney, MARILYN CHINITZ of BLANK ROME. https://youtu.be/nMMp6He056Y https://open.spotify.com/episode/39KMPMRhwGfYbdZVMJHEan?si=36c5c8a927bf4a6f Outline of the ISSUES INSIDE the BEZOS PRE-NUP General Concepts What happens without a pre-nup? Process for disclosing assets Previous marriages and those pre/post-nups? Community vs Equitable Distribution (Does the Pre-Nup contract this away?) Separate property Outside trusts?  Estate Planning? Pre-nup vs ultra high net worth pre-nup Financial Considerations (and Complication) Non-Financial- NDA, media activity, scope of negotiations, data and tech issues Let's go through the General Fact Pattern High Profile Asymmetric Net Worths Kids? Which state is used for choice of law? Portability?  How do you make sure this has teeth?  (Coercion penalties) Spousal support / alimony? Escalator or sunset clauses? Disqualifying or  "infidelity" or "weight gain" clauses? What happens if children? Other constituencies - charities, businesses, political causes etc  Integration with estate documents, life insurance, other vehicles Is there a check-in every five years? What else can we learn from what is inside the Bezos Pre-Nup? Transcript Frazer Rice (00:02.07) - Inside the Bezos Pre-Nup Welcome aboard, Marilyn. Marilyn Chinitz (00:04.088) Thank you, really nice to be here and nice to talk to you about what's inside the Bezos Pre-Nup. Frazer Rice (00:07.541) We sort of regaled ourselves with a mutual friend and we're already, I feel like we're already related. That's right. So we're going to talk a little bit about probably one of the highest profile marriages in the world that just happened with the Bezos Sanchez union and get inside the Bezos pre-Nup. But for just for a little bit here, let's talk about what happens in a sort of family law divorce setting. Marilyn Chinitz (00:13.39) Your best and glorious buddies are ready. Frazer Rice (00:35.232) With general concepts because we're going to be diving into some specifics with the case study here. What happens when something goes wrong and we have a divorce that happens without a prenup? Marilyn Chinitz (00:46.734) So it depends what state you're in. If you're in a state like New York, then we have equitable distribution laws. If you're in a state like community property in California, then those laws are very different. So if you have no prenup, and a lot of people don't because they start their marriage with very little assets, and everything that you acquired during your marriage is now subject to a division. Frazer Rice (00:49.569) Of course. Marilyn Chinitz (01:15.918) And what happens is you start to trace the assets and you look at, what do I have? You look at homes that you purchase, real estate that you purchase, stocks, securities that you purchased. It doesn't matter in whose name the asset is held. It's a marital asset if it was acquired during the marriage and it was not gifted or inherited. If you come into the marriage with assets and you have no prenuptial agreement and you keep those separate property assets clean, and I'll explain what that means. When they go up in value because you actively caused their appreciation, they may be subject to a marital claim, the appreciation aspect. If you… have an asset that went up in value because of passive reasons and you kept that asset separate, it will remain separate property. So let's talk about an example. If I owned a building before I got married and that building was worth five million dollars and then I get married and years later I get divorced, that building is now worth twenty million dollars. It appreciated by 15 million. Did it appreciate because of market fluctuation, because the market went up, real estate did better?

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs using the Smith Manoeuvre actually the smartest strategy for your family's financial future—or just a well-known tactic that needs deeper thought?If you're earning a strong income, filling up your RRSPs, and asking “now what?”, you're not alone. Many high earners in Canada hit a ceiling when it comes to traditional tax-advantaged accounts—and they're left wondering how to structure their wealth more efficiently. In this episode, Kyle Pearce and Jon Orr walk through a real listener case study that exposes the blind spots, tax traps, and strategic decisions facing Canadian professionals trying to hit their retirement goals without losing half their income to taxes.You'll discover:Why simply maximizing your RRSP isn't enough—and how to think beyond the basicsThe real pros and cons of using the Smith Manoeuvre in your name vs. your spouse'sHow to balance today's tax savings with tomorrow's income-splitting strategy for retirementReady to move from tax confusion to tax confidence? Hit play and learn how to make smarter wealth-building moves with the income you've already got.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Unlocking financial freedom in Canada starts with more than just saving—it demands a strategic blend of wealth optimization, tax-efficient investing, and a clear financial vision setting that aligns with your lifestyle and goals. Whether you're a high-income earner, entrepreneur, or family focused on building long-term wealth in Canada, understanding tools like the Smith Maneuver, RRSP optimization, and capital gains strategies is essential. This episode explores how smart investment structures, corporate wealth planning, and personal vs corporate tax planning cReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Spousal Submission pt.5

Spousal Submission pt.4

Spousal Submission pt.3

Spousal Submission pt.2

Spousal Submission pt.1

Send us a textThe Social Security Fairness Act eliminates the unfair Windfall Elimination Provision that prevented public service workers from receiving their full Social Security benefits despite paying into the system.• Nearly 2 million Americans including teachers, firefighters, and public sector employees can now receive previously reduced or denied benefits• Workers who already receive some benefits will automatically see increases of $300-$700 monthly• Those previously denied benefits entirely could receive around $1,500 monthly• Eligible recipients can file for retroactive benefits back to January 2024 using form SSA-561• Apply online at ssa.gov if you've never received benefits or were previously denied• Spousal or survivor benefits may require in-person or mail application• Consult your tax professional about handling lump sum and retroactive payments• Even if previously denied, public service workers should reapply under the new lawPlease share this episode with anyone who works in public service or has family members who might benefit from these important changes to Social Security benefits.Create a STAN Store - Click here to try it out!Here's where you can find us! Follow along on Instagram for lots of free content for business owners daily!Shop our business guides!Our Instagram PageOur family page

Fr. Patrick preached this homily on July 5, 2025. The readings are from Genesis 27:1-5, 15-29, Psalm 135:1b-2, 3-4, 5-6 & Matthew 9:14-17. — Connect with us! Website: https://slakingthirsts.com/ Youtube: https://www.youtube.com/channel/UCytcnEsuKXBI-xN8mv9mkfw

Today we answer a question from Ken, a recent retiree at 63, about how his Social Security claiming decision impacts his wife's future spousal benefit. We break down how spousal benefits are calculated, whether the FRA (Full Retirement Age) amount is frozen when you claim early, and how COLA (Cost of Living Adjustments) factor into the equation. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Systems are in place for a reason! This week's location: La Doña Cervecería The post Ep. 769 – Spousal Candy Dispersal first appeared on Fancy Pants Gangsters.

Most people treat Social Security as a fixed outcome, just another box to check when retirement arrives. Select an age, complete the form, and proceed. But the truth is, your choices around Social Security can unlock, or quietly erase, tens of thousands of dollars over time. The timing of your claim, whether you're still working, your marital history, even how you coordinate with your spouse's benefit… it all matters. And yet, plenty of financial advisors either avoid the topic or admit they don't know how the system works. That leaves you on your own to navigate rules that weren't designed to be intuitive, and change more often than most people realize. We're walking through the kinds of Social Security questions that don't get answered anywhere else. From how remarriage changes your options, to what really happens when you claim while still working, to why your savings could shrink faster than expected, these aren't niche hypotheticals. They're decisions with long-term effects, and it's time more people knew what's really at stake. You will want to hear this episode if you are interested in... (00:00) The Social Security Surprises That Could Cost You Thousands. (04:11) What your advisor might not know (but should) about Social Security. (06:25) The earnings test demystified through a real-life example. (09:39) Spousal, ex-spousal, and survivor benefits: who qualifies and when. (14:57) Major policy changes: The Fairness Act and unexpected lump sum payouts. (26:20) Legal custody, grandchildren, and overlooked Social Security benefits. Resources & People Mentioned 3 Steps to Retirement Planning https://www.retirestrongfa.com https://www.ssa.gov Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube   Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

Jim and Chris shares listener PSAs on IRMAA and Delayed Retirement Credits, and answer questions on Social Security Spousal Benefits, annuity use cases, and fixed indexed annuity payout concerns. (13:00) A listener shares a PSA about a positive Medicare and IRMAA reduction experience at a Central Florida SSA office. (19:00) Georgette follows up with a […] The post PSAs, Spousal Benefits, Annuity Use Cases, and FIAs: Q&A #2526 appeared first on The Retirement and IRA Show.

See omnystudio.com/listener for privacy information.

As much as we love our spouse, there are just some things they do that give us "the ick" - the gross feeling that is an immediate turnoff. In this episode, Jordan and Rosanna confess their icks to one another and share how they like to broach the subject. 

In this episode, Lesley Logan highlights stories of women using power for good, from world-changing philanthropists to unsung heroes like Marty Goddard. She also shares community wins and a personal productivity breakthrough that proves how small changes lead to big results. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co.And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe.In this episode you will learn about:How the world's richest women are quietly creating real impact.Marty Goddard's invention of the rape kit and why her story matters.How staying top of mind helps Tami-Adrian land another podcast feature.Lesley shares how she simplified her inbox and saved hours of work.Why small wins and consistent action add up to lasting change.Episode References/Links:Laura Craik's Article - https://beitpod.com/lauracraikBuy Back Your Time by Dan Martell - https://a.co/d/cMHFKJR If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/ Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/ Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Lesley Logan 0:00  It's Fuck Yeah Friday. Brad Crowell 0:01  Fuck Yeah. Lesley Logan 0:05  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started.Lesley Logan 0:48  Hi, Be It babe. How are you? How's it going? Welcome to the Be It Till You See It podcast, the Fuck Yeah Friday podcast. We talk about what is a win and we celebrate things that inspire us, and we have a mantra, and then we go about our day. So here we go, our win, or the inspiration, actually. The, well, I think this is a win too. So the inspiration that I found on the internet that really like made me happy. This, maybe, maybe it will make other people happy, but I love this. The title is What the World's Richest Men Could Learn From the World's Richest Women. And this is from Reshma's Instagram account, and Reshma had the bike face talk I'm pretty sure, and I really love her. So instead of fixating on power, living forever and winning the space race, Melinda French Gates, Laurene Powell Jobs, Anne Wojcicki and Mackenzie Scott are quietly trying to make the world a better place. So this goes on and talks about all the different things that these women are doing, but I just think, like, these ladies, I know, I bet you know their last names, these are our five richest women in the world, and they are doing epic, epic things from with the money that they have, and they're not doing anything to tear people down, to tear down a group of people. They're actually using their money for good. And so I truly, truly love that. These women are doing great things and so you should definitely look them up. There's an article from Laura Craick that was posted on February 5th 2025 so if you want to dive in more to what they're doing, and if you want to learn more about Reshma, I highly recommend it, because she talks a lot about worrying, about being, like, I only have a few minutes to say everything I was gonna say, and then, like, learning and meeting all these male CEOs and going, wait, you run this company, I can run circles around you, like, so it's just, I don't know. I found it really inspiring and I hope that you do, too. So go check that out. And let's all be more obsessed with what these women are doing, because I think that that's going to make us feel a whole lot better in this world with all that's going on. And let's be impressed and empowered and, and all the things from them. And then I'm going to give you one more thing, and I'm going to go into your wins. Lesley Logan 2:53  So meet Marty Goddard, the woman who invented the rape kit, while she didn't receive credit for her work, shocking, she revolutionized sexual assault forensics. Yeah. So get this, in the 1970s, few women felt safe. There's tons of sexual abuse. Spousal rate was still, was still legal, freaking crazy, until 1993. Let's not go into that, that's going to depress us all. But Marty Goddard was a volunteer for a phone hotline for runaway teens in Chicago. Many callers reported sexual abuse, but not necessarily to the police. Marty took upon herself to further investigate cases by visiting crime labs and hospitals, interviewing as many people as possible. And a standard was set. In doing this, she developed a standard by which evidence is collected following a rape. Her evidence collection kit included basic supplies, cotton swabs, a comb, paper bags, labeled envelopes and glass slides for semen specimens, plus protocols, forms and resources for victims, its simplicity made it affordable, replicable and the more likely to be adopted. The kit opened doors to our understanding of victims and abuse. In other words, these cases are no longer had to be a "he said, she said" sort of thing. She was not given credit. Under the nonprofit Goddard was running, the kit was trademarked as the the "Vitullo Evidence Collection Kit for Sexual Assault Examination." She routinely worked very closely with the police department order to make the progress she did, and an effort to not ruffle any feathers, gave the kit the name after police sergeant, Louis Vitullo. Newspapers credited Louis Vitullo, often reducing Marty Goddard to his assistant or ignoring her entirely. But she didn't chase recognition. She channeled her energy into expanding the kit's reach because impact mattered to her more than credit. So why it matters? The mention of the rape kit has helped countless victims find justice. Survivors still fight to be heard, but rape kits provide crucial evidence that strengthens their case. Hundreds of thousands of untested rape kits sit in a police storage. Goddard gave us a tool to fight for justice. It's up to us to push that fight forward with legislative reform funding and by holding law enforcement accountable for processing evidence in a timely manner. So you guys, we do have some work to do there. I would highly recommend calling your local people and like making sure that they're funding these things. But I just thought, how cool is this person? Like she was more she was more obsessed with getting people to adopt this kit and use it so people, victims, could actually get help. So it won't be a "he said, she said" and now she's getting the recognition that she deserves. Very, very cool. Lesley Logan 5:06  Okay, let's go and do a win of yours. So this is from Tami-Adrian George, and she said, a podcast about pickleball reached out to me to be my guest with my topic, Pilates for Players. The invite is a win by itself. And they why they contacted me is its own win. A second host from a completely different topic and show, I guess it's over a year ago, suggested my name with a lovely glow up. Like LL and Brad have said and has mentioned in many webinars, always about keeping in touch. I would comment on the second host post, listen to an episode and comment maybe three or four times a year and they remembered. And when I asked my college boy which friend group he'd be with and where they were going for spring break, he said he just really wants to come home and eat my cooking and curl up with his cats and chill. So cue the mommy tears. You know, I bought that plane ticket so fast. So I love this. How cool is that, that she made such an impact on one podcast and then she stayed in touch by just commenting. And then another podcast was like, oh, we want to have you on. Because the first podcast was like, yeah, this person has stayed top of our mind. So way to stay top of mind. Tam, it's not the easiest thing to do, and you did it. It all takes work, you guys. It all takes time and effort and energy, but stay in touch with people, even little things like liking and commenting. I tell you guys all the time, reviews on this podcast are, like, revenue. If you like this podcast, you don't have to send me money. You can actually just leave a review. Sharing this with other people, that's what does it right? These are things that podcast hosts think about. So way to go, Tami, you're amazing. Lesley Logan 6:37  Okay, so something I wanted to share that's, like, really exciting is I had this goal. So last summer, I heard about this book called Buy Back Your Time, and it's Dan Martell's book. And it's not something I was like, opposed to, like, oh, we always hire so it's not like a thing that we don't do. But he had a chapter about the inbox, about an email inbox, and I between my email inbox and all the Slacks that I'm in and the communities that I'm in, like, there's, I can't get to everything every day, and then I would get into my inbox, or I'd use my inbox to procrastinate, and it would derail the day, because there never would be something in there that wasn't time consuming. And so what his book suggested is that your assistant goes to your inbox and, like, organizes it, and then you only have to respond to the things you have to respond to, and then they can respond to things that they can respond to. I don't need to respond to someone that Tuesday at 1pm is great for a meeting. My assistant can see that 1pm is free. She can just book it for me, right? That's really cool. So anyways, I knew about this last summer, but I didn't have the time to implement it. There were so many things going on. So first of all, the first win is I did not force implementation of this during a time that we had too much going on, right? I set a goal that I wanted to implement this idea in Q1 of 2025, and guess what?, you guys, before mid March, we had, my assistant had, I read the chapter, she read the chapter, she implemented it, and we came up with systems at work before the end of March. So here we are, middle of May, almost end of May. And I can tell you right now I go into my inbox every day, and it can take under 15 minutes to respond to everything and then move on. And I don't feel like, oh my God, what's in there? What am I gonna see? Oh, I'm gonna get distracted by a pair of pants and procrastinate there. So anyways, that's my win. Really made me excited. Lesley Logan 8:14  So now, it's time for your mantra. Here we go. While the world praises big moves, I applaud the little acts of magic that can make it happen. So, while the world praises big moves, I applaud the little acts of magic that that make change happen. You are a badass. Thank you so much for listening until next time, Be It Till You See It. Lesley Logan 8:38  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 9:20  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 9:25  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 9:30  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 9:37  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 9:40  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Listener Q&A where Andy talks about: Why more fund managers don't offer mutual fund-to-ETF conversions ( 5:02 )How my firm helps clients prepare for severe market declines, and how we communicate bad markets to them ( 8:48 )Who's the voice of the intro and outro to this podcast ( 16:06 )For spouses claiming Social Security, what's a good claiming strategy when one spouse doesn't have enough work history to get their own benefit and can only get spousal benefits ( 17:19 )Could a person continue to fund a 529 for their children and later transfer the beneficiary to eventual grandchildren ( 21:37 )What constitutes a gift of digital assets; is it the transfer of the key to the wallet? ( 24:01 )What date/time is used for the date of death valuation of assets, like crypto, that trade 24/7 ( 25:52 )How will the sale of a vacation property impact IRMAA ( 26:55 )How will the sale of a vacation property impact Roth conversion analysis and trying to fill up a certain tax bracket ( 28:46 )Why were the recent 3 and 5-year returns of total bond market funds so poor ( 32:48 )Making estimated payments or withholdings to cover the tax obligations from a Roth conversion done late in the year ( 41:39 )Thoughts on a listener's proposed basic retirement plan, investment allocation and bucketing strategy ( 47:20 )The Smart Money, Fresh Minds podcast - hereMy YouTube video on Estimated Taxes, Tax Withholdings and Underpayment Penalties - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com