Podcasts about tax free retirement

Explore the rising threat of national debt, future tax hikes, and how Americans can prepare.The Concierge CPAWith Jackie MeyerFor CPA TrendlinesThe U.S. is hurtling toward an economic reckoning, and most Americans are dangerously unprepared. That's the warning delivered in the latest episode of The Concierge CPA podcast, where host Jackie Meyer sits down with financial planning expert David Spence, CPA, CFP, CLU, PFS, to unpack how today's economic decisions could impact tomorrow's taxpayers.More Jackie MeyerSpence's message is clear: history shows that skyrocketing national debt leads to one inevitable outcome—higher taxes. "After World War II, with debt at 120% of GDP, top tax rates soared to 94%," Spence explains. "Today, we're at 130% of GDP, and we're already paying massive interest on our debt—more than we spend on defense."Given these realities, Spence argues it's critical for Americans to shift their focus toward tax-free income sources. Strategies such as Roth IRAs, Health Savings Accounts (HSAs), and Life Insurance Retirement Plans (LIRPs) could become lifelines in a future where traditional retirement accounts might be heavily taxed.

Jesse answers listener questions on financial planning, investment management, and retirement. He discusses the challenges of rising homeowner's insurance costs in high-risk areas, the differences between Treasuries, CDs, and high-yield savings accounts, and the inefficiencies of using life insurance for tax-free retirement. He advises Casey, a future retiree, on tax-efficient withdrawal strategies and investment choices, and guides Chris, a federal worker, on pension decisions, TSP management, and career changes. Jesse also addresses Rachel's concerns about bond funds versus individual bonds, explaining their similarities and recommending a goals-based portfolio approach with cash reserves and an appropriate bond allocation for retirement security. Throughout the episode, he emphasizes strategic financial planning and adaptability in decision-making. Key Takeaways:• Homeowner's insurance costs are rising in high-risk states like California and Florida due to natural disasters. • We explore the ethical dilemma over whether wealthy homeowners should receive government aid after disasters. • Treasuries, CDs, and high-yield savings accounts differ in liquidity, risk, and how financial institutions set rates. • Permanent life insurance strategies like whole life and indexed universal life are marketed as tax-free retirement solutions but are often inefficient. • When planning your retirement, future required minimum distributions (RMDs) should be considered, as pre-tax accounts will be taxed upon withdrawal. • Career risk should be assessed by weighing long-term benefits against short-term uncertainties, emphasizing planning and adaptability. Key Timestamps:(00:00) Introduction to Personal Finance for Long-term Investors (01:40) Question 1: California Wildfires and Financial Planning (06:57) Government Intervention in Insurance (13:21) Question 2: Treasuries, CDs, and High Yield Savings Accounts (21:09) Question 3: Tax-Free Retirement Strategies (29:46) Question 4: Retirement Planning with Part-Time Work (33:49) Pros and Cons of Realizing Capital Gains (36:06) Question 5: Federal Government Pension Dilemma (42:33) Career Change Risks and Rewards (48:46) Question 6: Bonds vs. Bond Funds Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:Career Change – Is It A Risk?: https://bestinterest.blog/career-change-risk/ More of The Best Interest:Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

We unpack a strategy to transform an inherited IRA into tax-free retirement wealth through a strategic Roth conversion. A client recently inherited $52,000 from his mother and was taking RMDs without a clear plan until we implemented this approach.What you'll learn:• Inherited IRAs become "beneficiary IRAs" when passed down to non-spouses• Beneficiary IRAs must be fully depleted within 10 years• RMDs are calculated based on prior year account value and IRS tables• Taking RMDs without a strategy can miss major tax planning opportunities

Are HSAs one of the best tax-advantaged accounts out there? Can you really stockpile a massive balance and use it tax-free in retirement? This is what a listener wants to know so we'll analyze whether that's a potential pitfall or if she's maximizing this planning tool. Here's some of what we discuss in this episode:

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-tax-free-retirement-solutions

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-tax-free-retirement-solutions

The wealthy are using one unique retirement account to build their fortunes tax-free. You may have never heard of it, but knowing about it can change the course of your retirement planning, allowing you to invest in much more than stocks, index funds, and bonds in your retirement accounts.  We're talking about making passive real estate income tax-deferred, flipping houses and sheltering the profits for when you retire, or having a rental property portfolio producing massive passive income, all with the tax benefits of your 401(k), IRA, or Roth IRA.  We're, of course, talking about the self-directed IRA (SDIRA) and the sizable benefits that come with it.  To help, John Bowens (Certified IRA Services Professional) from Equity Trust is on the show to share the tax advantages most Americans have zero clue about. Scott starts the interview by coming in hot, throwing out his most significant objections to an SDIRA. We were even surprised by just how many benefits this single account has and how you can use it in ways most people would never assume of a retirement account. We're talking about how to buy rental properties IN your retirement accounts (and profit from them tax-free/deferred), whether a self-directed IRA or 401(k) makes the most sense for you, the “material participation” rule that you CANNOT afford to break, and how much this account costs to set up. This is a game-changing account for retirees who want to live a rich life, so do not skip out on it! In This Episode We Cover Scott's biggest objections to the self-directed IRA (is he wrong?) How to get tax-free/deferred passive income from real estate in your retirement accounts  The one tax that you MUST know about before investing in an SDIRA  Can you get a mortgage for a rental property in an SDIRA? How much an SDIRA costs to set up and keep going (less than you'd think) And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook BiggerPockets Money YouTube Channel How to Access Retirement Funds Early Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Want More Smart Tax Strategies? Grab “The Book on Tax Strategies for the Savvy Real Estate Investor” Sign Up for the BiggerPockets Money Newsletter Find Investor-Friendly Lenders The Self-Directed IRA: What You Should Know About This Wealth-Building Tool Connect with John   (00:00) Intro (08:26) Tax-Free Real Estate Gains (16:45) One Tax to Watch Out For (19:59) Self-Directed 401(k)s vs. IRAs (27:36) Making $34,000 Tax-Free! (30:42) The "Material Participation" Risk (35:41) Financing Rentals in an SDIRA (39:40) SDIRA Fees and Costs (50:05) Completely Passive Income (51:56) Active Investing in an SDIRA Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-611 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

We unpack the power of Tax-Free Savings Accounts (TFSAs) as a game-changing tool for retirement income planning. Discover how TFSAs provide tax-free growth, flexible withdrawal management, and significant estate planning benefits. Learn why integrating TFSAs with RRIFs, CPP, OAS, and other income sources can minimize taxes, avoid OAS clawbacks, and optimize your retirement strategy. Tune in for actionable insights and real-life examples to maximize your TFSA and achieve tax-efficient retirement income!  Read the full show notes and find more information here: EP 130 Show Notes

This episode of The Power of Zero Show is part of David McKnight's conversation with Caleb Guilliams and Tom Wall, PhD. David touches upon the “dangerous partnership” between the American people and the IRS. David is an advocate for a balanced, comprehensive, approach to tax-free retirement – he explains why that's the case. One of the things David likes about IULs is the fact that they can perform specific applications that no other stream of income, such as Roth IRAs and Roth 401(k)s, can do. David goes over the unique trait of each of the streams of tax-free income he sees as key components of “the Holy Grail of financial planning”. A Roth IRA, for example, gives you immediate liquidity, while a Roth 401(k) gives you a match. A Roth Conversion allows you to convert an unlimited amount of assets to tax-free. Taking money out of your IRA up to your standard deduction allows you to get a deduction on the front end, grow your money tax-deferred, and take your money out tax-free. An IUL, on the other hand, enables you to get a death benefit in advance, for the purpose of paying for long-term care. A balanced, comprehensive, approach to tax-free retirement capitalizes on all the nooks and crannies in the IRS tax code. David is in agreement with a recent Ernst & Young study inviting people to have 30% of their retirement savings go towards cash-value life insurance. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com TikTok Ernst & Young

In this episode of The Power of Zero Show, David McKnight addresses different strategies for tax-free retirement planning in 2025. Most Americans are a little nervous when it comes to the fiscal trajectory of the U.S.. According to expert forecasts, the likely extension of the 2017 Trump tax cuts would take the current $36 trillion of national debt beyond the estimated $54 trillion by 2034 – taking it all the way to $59 trillion. A recent Penn Wharton study predicts that if the U.S. doesn't right its fiscal ship of state by 2034, no combination of raising taxes or cutting spending will arrest the financial collapse of the nation. “Former Comptroller General of the Federal Government David Walker says that we may have to double tax rates within the next 10 years in order to keep our country solvent”, says David McKnight. Something important to consider is how to best shield your retirement savings from the potential tsunami of higher taxes down the road. David recommends creating a balanced, comprehensive strategy that takes advantage of all the “nooks and crannies” in the IRS tax code. The cost of getting money into tax-free vehicles is that you have to be willing to pay a tax. The next nine years represent a historical opportunity to pay those taxes while they're on sale. The approach David suggests thinking about can incorporate as many as six different streams of tax-free income – none of which shows up on the IRS' radar but all of which contribute to you being in the 0% tax bracket. A tax-free investment means no taxes at all: no federal income tax, no state income tax, or no capital gains tax. When taking distributions, tax-free investments should not count as provisional incomes – meaning that they don't count against the thresholds which cause Social Security taxation. The Roth IRA is the first truly-tax free retirement account David believes you should be contributing to in 2025. The second truly tax-free account worth considering in 2025 is the Roth 401(k). The potential for a company match is the one thing that makes Roth 401(k) impossible to ignore – and turns it into an instant return on your investment. After a Roth IRA and a Roth 401(k), the third tax-free alternative you should think about this year is a Roth conversion. David discusses the ideal scenario in which you should opt for a Roth conversion. Your IRA or 401(k) is the fourth stream of tax-free income David touches upon. Tax-free distributions from your IRA or 401(k) are what David refers to as “the Holy Grail of financial planning” – since they do something no other strategy can do. The life insurance retirement plan and tax-free Social Security are two additional strategies David dives into. Tax-free Social Security is unique because it shields you from several risks, including tax rate risk, inflation risk, long-term care risk, sequence of returns, and longevity risks.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Donald Trump David Walker Mitt Romney

It is becoming increasingly popular for financial planners to use the promise of a tax-free retirement as a way to attract clients. Today, Paul exposes this as a marketing tactic and tries to offer some insight into the U.S. tax system and tax diversification. Listen along to hear how financial plans get pulled in the wrong direction when avoiding taxes is your primary concern.   Later in the episode, Paul talks about the potential applications of AI in the world of medicine and how unexpected advances in technology spark incredible changes in the cost of doing business that move the world forward.  For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

How can you create tax free income and legacy for retirement?  One of the most powerful tools is unfortunately not talked about enough.  It is called Fixed Indexed Universal Life, and it has multiple benefits both while you are living and when you are gone.Key Takeaways:Build tax free cash valueSurviving spouse tax free income replacementLong Term Care benefitsTax Free death benefit for your heirsNot included in assets for college planning and the FAFSA

Talks about finding ways to enjoy a tax-free retirement are growing as some financial firms and planners try to coax investors into strategies based on their feelings about taxes. Paul admits that no one enjoys paying taxes, but some strategies for a tax-free retirement ignore sound investing principles, while others just have you paying more in taxes before you retire.    For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

In today's episode of the Money Mastery Unleashed podcast, Adam Olson, a seasoned CFP and advisor with Mutual of Omaha, reveals an advanced strategy for turbocharging your tax-free retirement savings. With over 14 years of industry experience, Adam dives into the details of how high-income earners can put away more than $70,000 annually into their Roth accounts through a combination of mega backdoor Roth and backdoor Roth strategies. He explains how these strategies can be leveraged within 401(k) plans and Roth IRAs to achieve significant tax-free growth and income in retirement. Adam emphasizes the importance of working with a qualified advisor to navigate the complexities of these strategies, ensuring compliance with IRS regulations and maximizing the benefits of tax-free growth. By implementing these techniques, listeners can set themselves up for a financially secure future, free from the burden of future tax hikes. Tune in to discover how you can transform your retirement savings approach and secure a prosperous, tax-free retirement. "Utilize your 401(k) plan to its full potential with after-tax contributions and in-plan Roth conversions for maximum tax-free growth." Key Takeaways: Roth IRA and Its Advantages Income and Contribution Limits for Roth IRA Mega Backdoor Roth Strategy Tax Implications and IRS Compliance Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Financial advisor and Retirement Planner since 1982, Best Selling Author of “The Wealth Lifestyle”, honored with numerous industry awards and honors of achievement. I value close business relationships with clients and treat them the way I would want to be treated.Learn more: http://www.thewealthlifestyle.com/This podcast is for informational purposes only and should not be considered legal, health, investment, tax, profession advice. We are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional investment, tax, or legal advice. The views expressed in this podcast may not be the views of the host or the management.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-steven-michael-england-president-of-capstone-retirement-discussing-tax-free-retirement-solutions

Financial advisor and Retirement Planner since 1982, Best Selling Author of “The Wealth Lifestyle”, honored with numerous industry awards and honors of achievement. I value close business relationships with clients and treat them the way I would want to be treated.Learn more: http://www.thewealthlifestyle.com/This podcast is for informational purposes only and should not be considered legal, health, investment, tax, profession advice. We are not responsible for any losses, damages, or liabilities that may arise from the use of this podcast. This podcast is not intended to replace professional investment, tax, or legal advice. The views expressed in this podcast may not be the views of the host or the management.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-steven-michael-england-president-of-capstone-retirement-discussing-tax-free-retirement-solutions

Tax laws change all the time. That is why Paul wants investors to start thinking about tax advantages like they think about stock returns. We don't know what tax laws will look like in the future and betting your retirement on specific tax strategies is a lot like betting your retirement on one or two companies. Listen along as Paul talks about the risks of certain tax-advantaged accounts and how to create a strategy that doesn't rely on you correctly predicting future legislation or income brackets. Later in the episode, Paul talks about an invite he got to an investment webinar.   For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

The post Potential Tax-Free Retirement Plan for WI appeared first on Wisconsin Family Council.

With over 20 years of experience in financial services, I have focused for the last 12 years on providing retirement planning services. Our approach is guided by the golden rule of treating others as we would like to be treated. We prioritize understanding the needs of our clients before seeking to be understood.Learn More: https://www.smartbenefitgroupllc.com/The following concepts have been simplified; however, each individual has a distinct situation and should, therefore, consult a tax preparer about how the concepts will impact their tax outcome.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-david-smart-ceo-of-smart-benefit-group-discussing-tax-free-retirement-solutions

With over 20 years of experience in financial services, I have focused for the last 12 years on providing retirement planning services. Our approach is guided by the golden rule of treating others as we would like to be treated. We prioritize understanding the needs of our clients before seeking to be understood.Learn More: https://www.smartbenefitgroupllc.com/The following concepts have been simplified; however, each individual has a distinct situation and should, therefore, consult a tax preparer about how the concepts will impact their tax outcome.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-david-smart-ceo-of-smart-benefit-group-discussing-tax-free-retirement-solutions

Sep 9, 2024 – Are you a high-income earner hoping to eliminate taxes for yourself and your heirs? In today's episode of Lifetime Planning, Jim Puplava and Crystal Colbert explore a powerful strategy used by the wealthy to create a tax-free income stream...

James Edward Durden Jr. is the owner of Edward Financial Group and a seasoned financial professional with a strong educational background. He holds a double bachelor's degree in Finance and Risk Management, equipping him with a comprehensive understanding of financial markets and risk assessment. Known for his high ethical standards and passion for his work, James is dedicated to providing clients with reliable and informed financial guidance. Outside of the office, he enjoys hiking, bike riding, and watching NFL football, balancing his professional life with a love for outdoor activities and sports.If you're ready to take control of your retirement planning and secure a bright financial future, we're here to help. Visit our website at Edward Financial Group.com or call us at 404-919-8916 to schedule a free consultation. Don't wait—start your journey to financial confidence today!”Learn more: https://edwardfinancialgroup.comjames-edward-durdenInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-james-edward-durden-jr-owner-of-edward-financial-group-discussing-living-a-tax-free-retirement

James Edward Durden Jr. is the owner of Edward Financial Group and a seasoned financial professional with a strong educational background. He holds a double bachelor's degree in Finance and Risk Management, equipping him with a comprehensive understanding of financial markets and risk assessment. Known for his high ethical standards and passion for his work, James is dedicated to providing clients with reliable and informed financial guidance. Outside of the office, he enjoys hiking, bike riding, and watching NFL football, balancing his professional life with a love for outdoor activities and sports.If you're ready to take control of your retirement planning and secure a bright financial future, we're here to help. Visit our website at Edward Financial Group.com or call us at 404-919-8916 to schedule a free consultation. Don't wait—start your journey to financial confidence today!”Learn more: https://edwardfinancialgroup.comjames-edward-durdenInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-james-edward-durden-jr-owner-of-edward-financial-group-discussing-living-a-tax-free-retirement

Tax-free retirement? Sound too good to be true? Not if you're smart about the way you use your life insurance policy. Tune in to find out how!

John sits down with bestselling author, David McKnight, to discuss living a Tax-Free Retirement. David has appeared in Forbes, USA Today, New York Times, Fox Business, CNBC, Investors Business Daily, and numerous other national publications. His bestselling book, The Power of Zero, has sold over 350,000 copies. David joins the podcast to talk about how tax rates may be dramatically higher than they are today, and how you can strategically reposition your assets to get to the 0% tax bracket.  

In this episode of Protect Your Assets, host David Hollander explores strategies for possibly creating tax-free retirement income for business owners. Joined by insurance professional Tracy Tamura and Bill Poate of Friedmans Appliance, they delve into the risks business owners face and how to help protect and enhance employee and personal financial wellbeing. Discover insights on employee retention, wealth creation, and the transition of businesses to future generations. Plus, learn about the success behind Friedmans Appliance's employee ownership model.  You can send your questions to questions@pyaradio.com for a chance to be answered on air.   Catch up on past episodes: http://pyaradio.com    Liberty Group website: https://libertygroupllc.com/   Attend an event: www.pyaevents.com   Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  See omnystudio.com/listener for privacy information.

In this episode of Protect Your Assets, host David Hollander explores strategies for possibly creating tax-free retirement income for business owners. Joined by insurance professional Tracy Tamura and Bill Poate of Friedmans Appliance, they delve into the risks business owners face and how to help protect and enhance employee and personal financial wellbeing. Discover insights on employee retention, wealth creation, and the transition of businesses to future generations. Plus, learn about the success behind Friedmans Appliance's employee ownership model.  You can send your questions to questions@pyaradio.com for a chance to be answered on air.   Catch up on past episodes: http://pyaradio.com    Liberty Group website: https://libertygroupllc.com/   Attend an event: www.pyaevents.com   Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/  See omnystudio.com/listener for privacy information.

People often use incorrect terminology when they talk about their life insurance policies and IBC. So let's go over the real meaning of the terms: Pull money, Take money, Tax-Free, Tax-Free Retirement, and IBC policy. Audio Production by Podsworth Media - https://podsworth.com 

A recent Penn Wharton study found that the federal government will have to dramatically raise taxes within the next 20 years to avoid sliding into a debt spiral of high interest rates and debt payments. Former comptroller General David Walker has stated several times that taxes would have to double by 2030 or the U.S. will go broke as a nation. When it comes to retirement savings accounts, the federal government typically gives people a choice between paying taxes at the time of contribution or paying them on your distribution years down the road. A big advantage of contributing to a Roth IRA is that you'd be paying taxes at today's historically low tax rates. David thinks that believing Walker and the Penn Wharton study means accumulating the lion's share of your retirement savings in tax-free vehicles like Roth IRAs and Roth 401ks. David shares the approach he recommends having when it comes to Roth Conversions. The Roth 401k is one of David's favorite tax-free investments – he explains why. For David, the real allure of the LIRP is that it provides a death benefit that you can receive in advance of your death for the purpose of paying for long-term care. David lists the pieces of the puzzle that make for a balanced and comprehensive approach to tax-free retirement.   Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com David Walker Penn Wharton study: “When Does Federal Debt Reach Unsustainable Levels?”

Stephanie Walter is a wealth strategist, capital raiser, syndicator, author and the CEO of Erbe Wealth.  She has been helping her clients to follow the key principles she has learned from her wealthy investors.  She teaches professional people to “unlearn” what most of us have been wired to think about money and she re-educates people to learn the secrets of the wealthy investor that can be life transformingMain point:What are some of the money myths you discuss in your book?What is Tax treatment diversification?What has been the history of tax rates?What is the major asset allocation problem for 90% of middle Americans and why that will be a big wakeup call when they retire?Is it possible to set up a tax free income in retirement? How is this done?What is sequence of returns risk and why should I care?Connect with Stephanie Walter:www.erbewealth.com and https://erbewealth.com/abundance/skw@erbewealth.comhttps://www.facebook.com/erbewealthhttps://www.linkedin.com/in/stephanie-walter-057594196/http://www.erbewealth.comPodcast-Engineering Wealth Today

David talks about the three main types of tax-free retirement advisors and the one that will guarantee a hassle-free retirement. The first type of advisor is the TikTok advisor. This is the advisor who will preach the prospect of dramatically higher tax rates in the future. The only downside to their message is that they believe the only way to shield yourself from the rising tax rates is to put all your retirement savings into an IUL. If you believe in a balanced and comprehensive approach to retirement planning, steer clear of these types of advisors. It's unwise to build a retirement plan on the foundation of an IUlL and exclude every tax-free alternative in the tax code. The second type of advisor is the one who believes in tax-free retirement planning but is not acquainted with the data that proves tax rates will rise dramatically in the future. If you are interested in shielding your assets against the impact of higher taxes, avoid these types of advisors like your retirement depends on it. Because it does.  The third type of advisor is knowledgeable on data that proves tax rates will dramatically rise in the future and advocates for a balanced, comprehensive approach to tax-free retirement.  If you believe that tax rates in the future will be dramatically higher than they are today, then you also need to recognize that not all financial advisors are equally equipped to help shield your retirement savings from those higher taxes. Your job as an investor is to get an advisor who understands the unique fiscal challenges facing our country and understands that the best way to protect yourself from those challenges is to implement a balanced, comprehensive approach to tax-free retirement.      Mentioned in this episode: David's books: Power of Zero, Look Before You LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free 3-part video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Do you have a good understanding of compound interest? If you do, you'll probably catch on quickly to the concept of how a Roth IRA grows. If you're not familiar with compound interest or Roth IRAs, follow along as Dean Barber and Bud Kasper answer the question, “How does a Roth IRA grow?” We'll do our best to explain in simple terms how the Roth IRA can be an effective tax savings vehicle. Become a Rothaholic! - https://bit.ly/3r5MOQR Tax Reduction Strategies: https://bit.ly/3Pcs5mu Retirement Plan Checklist: https://bit.ly/3rdxRfq 5 Strategies to Reduce RMDs: https://youtu.be/feuUGXPQtdE Roth Conversion Decisions for 2023: https://youtu.be/Ce8ZA-rbSbc Why Compound Interest Is Key: https://youtu.be/4HHC7MLDsc0 Pros & Cons of Converting to a Roth IRA: https://youtu.be/7T_BaFtK4gg Creating a Tax-Free Retirement with Ed Slott: https://youtu.be/En3ZfP70PYA?si=FBVIcnsxyCgLUJQA Start Planning: https://bit.ly/3ZkkNl9 Meet with Us: https://bit.ly/3EvHIjY

In this episode, we explore five sources of tax-free retirement income. Understanding these sources can be crucial for minimizing your tax burden during retirement.  In this episode, we'll break down each source, explain its benefits, and guide you on how to potentially incorporate it into your retirement planning.  Whether you're nearing retirement or just starting to plan, this information is essential for a secure financial future. 

Are you looking for a smart and tax-efficient strategy to boost your retirement income? In today's video, we delve into the powerful concept of utilizing a taxable brokerage account to maximize your tax-free retirement income. ✅ Understanding the concept: We begin by exploring the ins and outs of taxable brokerage accounts and how they can play a crucial role in your retirement plans. By keeping taxable investments in a brokerage account, you gain immense flexibility in generating tax-free retirement income that can significantly impact your financial future. ✅ Utilizing tax-efficient investments: Discover various tax-efficient investment options that align perfectly with your retirement goals. We explain the importance of capital gains taxes, dividends, and other factors in selecting the right investments for your taxable brokerage account. ✅ Long-term estate planning strategies: We delve into long-term tax planning strategies, providing valuable insights on how to navigate tricky tax estate tax laws to your advantage.

Ep#154: Embracing the Power of Tax-Free Accounts for a Wealthy Retirement with January LiddellReady to unlock the secrets of tax-free retirement accounts and secure your financial future? Join me, January Liddell, as I reveal the surprising history of the 401k and why it wasn't initially designed for tax-deferred retirement accounts. Find out how you can transition from tax-deferred accounts like 401k, IRA, and SEPs to tax-free accounts while taking advantage of the current tax brackets before the looming changes in January 2026. Front-loading your money now could save you a fortune in the long run!Helen and I are passionate about helping you eliminate risk, fees, and taxes in your retirement planning. In this episode, we'll explore the significance of the current tax brackets, the upcoming changes, and how to create a tax-free retirement account that aims for the 0% tax bracket during your golden years. Don't miss this opportunity to take charge of your wealth and better prepare for your retirement. DM me the word "freedom" and let's start a conversation about your financial future today!January Liddell is a Financial Expert, author, and military wife. Click our Link below to find more information on us and our offers today! More info here: https://januaryliddell.com/ Get your copy of the book, Nothing Sexier Than Freedom CLICK HERE FOR MORE INFORMATION:https://linktr.ee/sexyfreedommedia   Support the show "Buy us a coffee" https://www.buymeacoffee.com/Helofajo... https://www.buymeacoffee.com/januarylidl Support the show

Cash Flow King continues discussion from Episode 29 on why he STILL isn't investing in a car wash syndication.Support the showQuestions, Comments, or Show Ideas?Email the show: RealTalkPersonalFinance@gmail.comBECOME A PREMIUM SUBSCRIBER TODAY!Get some RTPF merch! Use Promo Code RTPF10 for 10% off!Interested in starting your own podcast? Get a $20 Amazon giftcard with this link! Here's the USB microphone I use for the show Here's the Pop Filter I use on my microphone for the show Here's the Headset I use for the show

The 10-year plan is incredibly simple but it's not for everyone.You have to have a steady income.You have to have to be willing to stay at that (or a similar) job for the next 10 years.If you can handle that, you can look forward to a great tax-free paycheck every year - forever.Connect with ChrisWatch the video

Sometimes "hanging tight" isn't the best solution during times of volatility. We've had two bear markets since the Great Recession of 2008. COVID-19 was the first, and the inflation that ensued thereafter in 2021-2022 led to the second. Tax Loss Harvesting involves selling investments when they are down in value (in a taxable account) to create a realized loss for tax purposes. You can then use these losses in current or future years (retirement) to reduce taxes! These opportunities don't come every year, so it's important to take advantage while you (still) can! I hope you enjoy this episode!

Dean Barber and Bud Kasper always have a blast when they attend Ed Slott's Elite IRA Advisor GroupSM workshops. At the workshop they attended in April in Baltimore, they reviewed several things to consider before doing Roth conversions. Dean and Bud are going to give a brief recap of what they discussed at the workshop as they go over pros and cons of converting to a Roth IRA on America's Wealth Management Show. More on this episode: https://modwm.com/pros-cons-of-converting-to-a-roth-ira/?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira See Our Calendar: https://modwm.com/radio-show/complimentary-consultation/?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira Start Planning: https://www.modwm.com/retirement-planning-tool/radio?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira Inherited IRA Rules: https://youtu.be/TUyRlCm04Uo RMD Age in 2023: What's Your Required Beginning Date?: https://youtu.be/WZ9iddTMLUQ Podcasts with Ed Slott Creating a Tax-Free Retirement: https://youtu.be/En3ZfP70PYA Understanding the SECURE Act 2.0: https://youtu.be/HHPMo9l0yeg How to Avoid the Biggest Tax Traps: https://youtu.be/ssZNa1cEpu0 Ed Slott In-Studio: https://youtu.be/RdMk9dyQZWM Retirement Plan Checklist: https://www.modwm.com/retirement-plan-checklist/?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira Tax Reduction Strategies: https://www.modwm.com/tax-reduction-strategies/?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira Tax Rates Sunset in 2026 and Why that Matters: https://www.modwm.com/tax-rates-sunset-in-2026-and-why-that-matters/?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira 6 Reasons Roth Conversions Could Work for You: https://www.modwm.com/6-reasons-roth-conversions-could-work-for-you/?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira Buying Real Estate in Your IRA, Not So Fast: https://www.modwm.com/buying-real-estate-in-your-ira-not-so-fast/?utm_source=AWMS-Pod&utm_medium=AWMS&utm_campaign=pros-cons-roth-ira Check out our other podcast! The Guided Retirement Show: https://www.youtube.com/c/theguidedretirementshow

What crazy thing would Americans do to have a tax-free future?  A new survey (by WalletHub) asked that question and found one in ten would clean prison toilets for three years in exchange for never paying taxes again!  Well, we all know taxes (and the IRS) aren't going away.  It's just a matter of controlling how much we give to Uncle Sam.  Isn't that where you and tax planning come in? Then, a new poll (by Retirable) shows many Americans are hoping for the best when it comes to having enough money for retirement.  It found 64% of retirees do not feel like they've saved enough to get them through, and more than half expect to take on a part-time job to make ends meet. Kevin explains his planning process showing you how to have income for life and be as tax efficient as posisble. 

What if you could have $100k of income in retirement entirely tax-free?! Well, in this episode, Jacob Duke, CFP® shares exactly how one of his clients is doing just that. Be sure to stick around to the end for tips around how you can accomplish this as well.Enjoy the show!

Hard to believe, but the US government allows investors to generate tax-free income from a well-diversified portfolio – without using municipal bonds. Plus, a listener wonders if the extra fees for the Avantis Small-Cap Value ETF (AVUV) are worth paying. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we discuss how to have more of a tax-free retirement.

In this episode we discuss how to have more of a tax-free retirement.

Wealth Without Bay Street 156: Tax Free Retirement, Tax Controlled Passive Income with Richard & Jayson. This conversation between Richard and Jayson focuses on the idea of creating certainty and positive anticipation for the future by investing in a tool such as a dividend paying, participating whole life insurance policy. This type of policy is […]

On this podcast Joel Garris discusses two dirty secrets of why converting to a tax-free retirement is a bad idea. Plus, an overview of some recent headlines that impact you & your money. These topics and more on this week's radio show/podcast at https://www.nelsonfinancialplanning.com/broadcasts/originally aired 2/5/23

Fitness entrepreneurs can strive for a tax-free retirement if they take advantage of the new strategies in Secure Act 2.0. Retirement planning is an important part of any entrepreneur's financial journey. This episode will discuss some of the new ways entrepreneurs can plan for their future and aim for a tax-free retirement. Episode Highlights: How SEP IRAs just got better College Saving can now be retirement saving How to get money out of a 401K PENALTY FREE! Links: Email Pat for copy of Budget discussed: info@darbyba.com Map How Your Money Flows: Map My Money Save Taxes in your business: Free Consultation Follow me: https://www.instagram.com/thepatdarby Weekly Tax Tips & Deadline Reminders: Get Tax Reminders

Want tax-free retirement income? Tax-free money in retirement sounds amazing… at first glance. https://www.youtube.com/watch?v=mylXCXThFl0 But before you dive into this strategy, there are three things you need to know about why “Tax-Free Retirement” is a really bad idea. To find out exactly why you shouldn't set up your financial game plan for tax-free retirement… tune in now! Table of contentsSetting FrameworksWhat is Tax-Free Retirement?“Don't Let the Tax Tail Wag the Dog”Retirement is a Concept that Needs FixingHow to Change RetirementSo Why Shouldn't You Do Tax-Free Retirement?Why Tax-Free Income is Not the Best First SolutionLife Insurance is InsuranceBook A Strategy Call Setting Frameworks When you're presented with a certain lens or framework, it's important to step back and consider:  Where is the information coming from? Who does this benefit?  What are the other options? These questions can go a long way in helping you determine whether a strategy is a good fit for you, whether it has merit, and how you should approach it.  The idea of tax-free retirement using whole life insurance is popular. Just the name alone makes it sound amazing. So why wouldn't someone want to implement it? Keeping the above questions in mind, we're going to unpack the nuances of this approach so that you can use that information to better your strategy. What is Tax-Free Retirement? The general idea of tax-free retirement is that you have set up a whole life insurance policy for maximum cash value growth that you can use for retirement income. The strategy suggests that after maximally funding a policy, you can choose to retire and use that cash value for retirement income. You use a certain formula to determine how much you can withdraw each year over a certain timeframe (instead of borrowing against it) without creating a taxable event.  The premise is that by saving into a whole life insurance policy, you can pull an income from your policy without paying taxes. And while this is true, there are certain disadvantages that people don't often consider or discuss.  “Don't Let the Tax Tail Wag the Dog” This concept comes from Garrett Gunderson, author of Killing Sacred Cows.  [14:10] “He talks about how you cannot ever make all of your financial decisions on the basis of, ‘How do I pay the least amount of tax?' If you're just looking at taxes, that's a lens being put in front of your eye [saying], ‘Here's the most important thing.' Really, there's not one most important thing; there's a lot of factors that you need to consider.” When you only make financial decisions out of the fear of paying taxes, you're acting from a place of scarcity. The scarcity mindset doesn't serve you, because it prevents you from seeing other options or strategies that may be even better for you, depending on the purpose of your dollars. If you want to leave a large legacy to your children, but you choose a “tax-free retirement” strategy out of fear, you run the risk of disinheriting your children. This, of course, is not the outcome you want if you're aiming for a legacy. So it's important not to let fear dictate the lens through which you take financial action. Retirement is a Concept that Needs Fixing Let's consider the typical retirement paradigm. Generally, you work from about age 20 or so until you're somewhere between 60 and 70. In all of those working years, you work as hard as possible to make as much as possible. And hopefully, you save as much as possible. Then, when you're ready to retire, you stop working completely and live off of what you've saved. You probably intend to continue living life at the same level of comfort and quality, so you take about the same income that you made when you had a job.  Unfortunately, many people only save about 10-20% of their income. But, they still want to live at 100% of what they're used to. This means retirees are going through their money...

In this episode, we get a quick hit of some timely financial nuggets with Cash Flow King.  Shoutout to all our loyal listeners!Questions, Comments, or Show Ideas?Email the show: RealTalkPersonalFinance@gmail.com Get Free Delivery on Your First Instacart Order of $35+ with this link.Interested in starting your own podcast? Get a $20 Amazon giftcard with this link!

“I don't want to pay the taxes on my Roth Conversion” is the single greatest objection David sees every week. David believes that whoever makes that argument is basically saying that they don't want to pre-emptively pay a tax before the IRS absolutely requires it of them and that they think their tax rate down the road will be lower than it is today. He sees the latter point as the greater concern. For David, if you're in the 22% or 24% tax brackets – meaning that your taxable income is between $83,550 and $340,100 – but are pushing the payment of taxes on your Roth Conversion down the road, you're actually missing out on a good deal. Ten years from now, he argues, when the country's tax rates will have risen dramatically, you're going to end up realizing that you missed out on a deal of historic proportions. David sees not being convinced that tax rates in the future are likely going to be higher than they are today and being reluctant to pay the cost of admission to the tax-free bucket as the greatest roadblock in getting you to the 0% tax bracket in retirement. In case you feel as if you're in the situation described above, David suggests educating yourself on what independent, third-party, experts have to say about the future of tax rates – and he recommends reading chapter 1 of his book Power of Zero and watching the documentary The Power of Zero: The Tax Train Is Coming. David shares that, historically, tax rates have been substantially higher than they are today. Marginal tax rates post WWII were 94%, and marginal tax rates in the ‘70s were 70%. The highest marginal rate today is 37%. These rates have nowhere to go but up. All the experts that were interviewed for The Power of Zero documentary said the same thing: if we don't change course immediately, ten years from now tax rates will have to rise dramatically or we'll go broke as a country. Some of them even said that tax rates will have to double or we'll go broke as a nation. David touches upon quotes from a MarketWatch article of his that featured insights from Ray Dalio, Leon Cooperman, Ed Slott, Larry Kotlikoff, and Larry Swedroe regarding the future of tax rates in the next ten years. David brings up a key question you should ask yourself: wouldn't you rather pay taxes today, on your terms, than postpone the payment of those taxes until the IRS forces you to pay them on their terms?     Mentioned in this episode: David McKnight vs Financial Guru (Part 1): powerofzero.com/blog/Power-of-Zero-vs-White-Coat-Investor-David-McKnight-Response David McKnight vs Financial Guru (Part 2): powerofzero.com/blog/the-white-coat-investor-responds-and-i-rebut-his-response David McKnight vs Financial Guru (Part 3): powerofzero.com/blog/power-of-zero-vs-white-coat-investor-final-response The Power of Zero: The Tax Train Is Coming--TheTaxTrain.com MarketWatch Article: marketwatch.com/story/heres-a-way-to-make-your-retirement-savings-last-longer-2020-12-08 POZ episode 181: Should High Income Earners Do Roth Conversions--podcasts.apple.com/us/podcast/should-high-income-earners-do-roth-conversions/id1441026169?i=1000558116209 David's books: Power of Zero, Look Before Your LIRP, The Volatility Shield, Tax-Free Income for Life and The Infinity Code DavidMcKnight.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube