Podcasts about traditional iras

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

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

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

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

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

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the World.Today's Stocks & Topics: A-I Stocks, Bond Maturity, Short-Term Rental Market, The VIX, Crypto, Pre-Tax Allocation vs. Roth I-R-A, Poorly Managed Companies, Publicly Traded Sports Teams, P.E. Ratios, Oil, Portfolio Management, Converting a Traditional IRA to a Roth, Cash Management, How to Calculate Company's Debt, 529 Plan, Entry Point.Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

We review Roth IRAs, Traditional IRAs, and SEP IRAs for small business owners.  we list the top performing sectors of the S&P 500 so far in 2025, and we tell you about the number one performing sector over the last month and why it just may be an opportunity for investors in 2026.  We also list the top ETFs in that sector and review a stock pick there from a top Wall Street Analyst.

On this week's episode, Roger and Elias react to AI financial advice, explore the changes to the 2026 retirement plan contribution limits and discuss 6 things to keep in mind as you head out for Black Friday shopping this year.   Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

In this episode of Behind the Wealth, we break down three important topics for anyone planning for retirement. First, we explore the “Rule of 1,000 Hours” — the idea that what you do with your time in retirement matters just as much as how much money you've saved. Then we look at nine things experts say you should stop doing in the five years before you retire, from ignoring your spending to delaying tax planning. Finally, we answer a listener question about the Rule of 55 and explain how it works for people considering early retirement. Tune in for practical guidance to help you build a retirement that works both financially and personally. Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3351: Philip Taylor explains how the Roth IRA offers powerful tax advantages for retirement savers, especially those who want more flexibility, investment control, and tax-free withdrawals. Unlike traditional accounts, Roth contributions are made with after-tax dollars, meaning you can withdraw both your contributions and earnings tax-free in retirement, making it a smart option for many earners seeking long-term growth and financial security. Read along with the original article(s) here: https://ptmoney.com/what-is-a-roth-ira-and-how-does-it-work/ Quotes to ponder: "A Roth IRA is taxed just the opposite of the Traditional IRA and 401K." "Taxes can really eat into your investment earnings." "A Roth IRA is an excellent tool to help you save more money for your retirement." Episode references: IRS Roth IRA Rules: https://www.irs.gov/retirement-plans/roth-iras Vanguard Roth IRA: https://investor.vanguard.com/ira/roth-ira Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover how current economic data affect you and decide if a Roth or Traditional IRA is the most appropriate option for your retirement savings. What's happening with layoffs and the economy right now? How should you be thinking about the data used to determine the economy's health, and what does it mean for your personal finances? Hosts Elizabeth Ayoola and Sean Pyles discuss non-traditional financial indicators and Roth IRAs versus Traditional IRAs to help you understand the current economic landscape and make smarter retirement contribution choices. First, Elizabeth shares her conversation with NerdWallet senior economist Elizabeth Renter about how we can gauge the health of the U.S. economy based on private sector data in the midst of the government shutdown. They talk about labor market nuances, layoff announcements, and how we can use consumer sentiment  figures when hardly any other federal economic data are available. Then, investing Nerd June Sham joins Sean and Elizabeth to discuss retirement funding options. They weigh prioritizing retirement accounts for contributions, when to choose Roth vs. Traditional contributions, and the benefits and trade-offs of Roth conversions. The discussion covers the tax differences between Roth and traditional accounts, guidelines for deciding which to use based on your current and projected future tax bracket, and reasons why someone might convert a Traditional IRA to a Roth IRA, such as avoiding Required Minimum Distributions (RMDs), and strategies for timing conversions. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: 401k, retirement savings, retirement account, investing, financial freedom, tax-free withdrawals, tax planning, high income, contribution limits, Roth conversion ladder, self-employed retirement, employer match, investment options, Solo 401k, simple IRA, taxable events, Medicare premiums, ADP employment report, Chicago Fed Nowcast, stock market, corrugated box indicator, champagne indicator, men's underwear index, capital gains, estate planning, price growth, economic cooling, market stability, inflation, household finances, unemployment, and job cuts. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3351: Philip Taylor explains how the Roth IRA offers powerful tax advantages for retirement savers, especially those who want more flexibility, investment control, and tax-free withdrawals. Unlike traditional accounts, Roth contributions are made with after-tax dollars, meaning you can withdraw both your contributions and earnings tax-free in retirement, making it a smart option for many earners seeking long-term growth and financial security. Read along with the original article(s) here: https://ptmoney.com/what-is-a-roth-ira-and-how-does-it-work/ Quotes to ponder: "A Roth IRA is taxed just the opposite of the Traditional IRA and 401K." "Taxes can really eat into your investment earnings." "A Roth IRA is an excellent tool to help you save more money for your retirement." Episode references: IRS Roth IRA Rules: https://www.irs.gov/retirement-plans/roth-iras Vanguard Roth IRA: https://investor.vanguard.com/ira/roth-ira Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3351: Philip Taylor explains how the Roth IRA offers powerful tax advantages for retirement savers, especially those who want more flexibility, investment control, and tax-free withdrawals. Unlike traditional accounts, Roth contributions are made with after-tax dollars, meaning you can withdraw both your contributions and earnings tax-free in retirement, making it a smart option for many earners seeking long-term growth and financial security. Read along with the original article(s) here: https://ptmoney.com/what-is-a-roth-ira-and-how-does-it-work/ Quotes to ponder: "A Roth IRA is taxed just the opposite of the Traditional IRA and 401K." "Taxes can really eat into your investment earnings." "A Roth IRA is an excellent tool to help you save more money for your retirement." Episode references: IRS Roth IRA Rules: https://www.irs.gov/retirement-plans/roth-iras Vanguard Roth IRA: https://investor.vanguard.com/ira/roth-ira Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we break down the latest economic headlines—from stubborn inflation and the Fed's recent rate cut to new data showing why retirees feel less confident even in a strong market—and what it all means for your money. Plus, we answer a listener's question about how to navigate the worry of a potential market decline.  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Don and Tom tackle investor “magical thinking,” especially the belief that private equity, non-traded REITs, and other illiquid “exclusive” investments offer hidden superior returns. They walk through Jason Zweig's recent reporting on a Florida pension fund that locked up money, paid higher fees, and earned under 1% a year. The conversation underscores why liquidity, transparency, and diversification matter far more than complexity or exclusivity. The episode also features listener questions on retirement withdrawal sequencing for a $9M portfolio, evaluating cash balance plans, and deciding between traditional vs. Roth 401(k) contributions. A recurring theme: boring portfolios win. 0:05 Magical thinking and the fantasy of “special” investments 1:52 Private equity realities: higher fees, no liquidity, often lower returns 2:46 The Indian Shores pension fund case 3:44 Withdrawal limits and 0.7% 5-year returns 4:34 Why endowments can do illiquid assets but you probably shouldn't 5:21 “Roach motel” investing and lack of transparency 8:35 How mutual funds must provide daily liquidity vs. private funds that don't 8:49 Excitement is bad; investing should be boring 9:54 Caller: $9M portfolio—withdraw taxable first or convert IRAs? 11:51 Traditional IRAs vs taxable sequencing strategy 14:17 Why taxable first lowers tax impact and preserves flexibility 16:03 Blackstone senior housing REIT losses and why “sure things” fail 17:39 Diversification protects you when single bets go bad 18:06 Why private deals appeal emotionally (exclusivity + status) 20:38 Caller: Tesla & concerns about private equity creeping into ETFs 23:07 Why mainstream ETFs won't adopt illiquid private assets 24:43 REIT ETFs behave more like stabilizing bond substitutes 26:02 LeaveMeAlone email-unsubscribe tool discovery 28:04 Listener questions: send via site or voice form 30:51 Cash balance plan concerns—likely a stable value/insurance product 33:08 Another listener: Edward Jones 401(k) with American Funds C-shares 34:30 High-fee small-plan 401(k)s—why they happen and how to fix 36:27 Caller: Should we switch to Roth 401(k) contributions? Probably not here. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

Building wealth takes time, patience, and strategy. This week, we discuss Morgan Housel's reminder that “wealth requires long-term effort”, what to consider for year-end Roth conversion opportunities — and answer a listener's question about what to do when IRA withdrawals outpace spending and money is sitting in the bank. Get started on your path to financial freedom. Download our Rothification Guide: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

In this episode, we tackle some of the most common, and most confusing, retirement planning questions physicians and high-income professionals face. We dig into the pros and cons of Traditional vs Roth contributions, how TSP and deferred compensation plans really work, and what to know about 401(k) match true-ups. We also walk through real-life scenarios like merging finances when a spouse has no income but owns an IRA, and how to maximize annual contributions to a solo 401(k). Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube Student Loan Advice for all your student loan needs: https://studentloanadvice.com Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor Join the community on Twitter: https://twitter.com/WCInvestor Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 00:00 WCI Podcast #443 01:30 What to Do with Your TSP 07:44 Comparing Marginal vs. Effective Tax Rates 13:00 Deferred Compensation Distributions 19:37 Remaining Balance Issue w/ ETFs 24:19 401(k) True-Ups 28:40 What to Do with a Traditional IRA 32:27 Solo 401(k) Contributions

Proper tax planning can be an important part of determining the real value of your IRA accounts. Today, John Walker, Regional Vice President, Mercer Advisors, is joined by CERTIFIED FINANCIAL PLANNER® professional Jason O'Meara, Wealth Advisor and Sr. Director, Mercer Advisors. They discuss traditional and Roth IRAs and how each may fit into your overall retirement plan. Listening Time: 19 minutes Mercer-Cordasco Disclosure Information Visit Our Website Join Our Email List Additional Mercer Advisors Disclosure Cordasco Financial Network is a tradename. All services provided by Cordasco Financial Network investment professionals are provided in their individual capacities as investment adviser representatives of Mercer Global Advisors Inc. ("Mercer Advisors"), an SEC-registered investment adviser principally located in Denver, Colorado, with various branch offices throughout the United States doing business under different tradenames, including Cordasco Financial Network. Mercer Advisors is not a law firm and does not provide legal advice to clients. All estate planning document preparation and other legal advice are provided through Advanced Services Law Group, Inc.

In this episode of Behind the Wealth, Roger and Elias unpack two hot topics for retirees and pre-retirees: why some Baby Boomers may be off track for retirement — and how to decide the right time to claim Social Security. Get started on your path to financial freedom. www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Discover all the benefits of a traditional IRA and who should be investing in it. Show notes and transcript at What is a Traditional IRA – and Should You Invest in It? A Simple Explanation for Kids Discover all the benefits of a traditional IRA and who should be investing in it. Show notes and ... Read More

Can your retirement account buy real estate? Startups? Alpaca farms?! Yes. And in this episode, Dana Udumulla from Madison Trust breaks down how self-directed IRAs actually work, what they can (and can't) invest in, and why more commercial real estate investors should be using them to raise capital.Whether you're an accredited investor or a confused podcast co-host (cough Timmy), this conversation is packed with practical takeaways, tax strategies, and jaw-dropping scenarios (like turning $7K/year into $4.75M tax-free).We also get into:Roth vs Traditional IRA pros & consCommon mistakes investors make (and how to avoid getting disqualified)How to structure deals to receive retirement dollarsReal estate, bonus depreciation, and... Brazilian sugar?Don't invest another dollar until you listen. Your future self will thank you.

What if you could make more money… and keep more of it?In this episode, Todd Toback reveals one of the smartest (and most overlooked) strategies wholesalers can use to grow their wealth — the IRA loophole. From tax-free gains to investing in other people's deals, Todd breaks down how to turn your wholesale profits into long-term, generational wealth.You'll learn the real difference between a Roth IRA and a Traditional IRA, why self-directed IRAs are game-changers, and how to make your money work even while you sleep.---------Show notes:(0:59) Beginning of today's episode(1:24) How to invest your money using and IRA(2:20) How to make more money and keep all your money(4:19) Benefits of a Roth IRA (money can grow tax free)(6:18) Difference between a Roth IRA and a traditional IRA?(7:38) Why should you invest in a traditional IRA vs a Roth IRA?(8:55) Self directed IRA(9:22) Invest funds in other people's deals(12:24) Active management----------Resources:To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

In this episode of Behind the Wealth, Roger and Elias break down recent trends showing more 401(k) investors shifting toward cash and bonds — and what that might signal about market sentiment heading into year-end. They also discuss a new report showing record-high credit card debt among Gen X and Millennials, and how rising balances could affect financial freedom down the road. Then, listener Jason asks: “We're 45, debt-free, and investing heavily in our 401(k)s — should we put our extra savings into a taxable account or boost our contributions?” The team explores how tax diversification, accessibility, and flexibility all play a role — especially for anyone eyeing early retirement before age 59½. Tune in to learn how to balance security and opportunity, avoid emotional moves, and keep your wealth strategy adaptable for whatever comes next. Get started on your path to financial freedom. www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

In this episode of Behind the Wealth, Roger and Elias break down a few headlines that hit close to home, and the wallet. First up: the growing trend of people turning to AI for financial advice. Then, they turn to the rising number of student loan borrowers pressing “pause” on payments and what that means for household budgets and long-term goals. Finally, listener Rick asks a question many parents face: should you prioritize college savings or your own retirement? The team compares the pros and cons of each path and shares practical strategies to help families balance both — without shortchanging their future selves. If you've ever wondered how to invest in your children's education and your own financial independence, this conversation is for you. Get started on your path to financial freedom. www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

If you're a speech-language pathologist (SLP) thinking about private practice, contract work, or starting your own business, one of the biggest fears is: “What about retirement without a 401(k)?”Here's the good news: self-employed SLPs actually have MORE retirement options than you might think. In this video, I'll break down the retirement accounts available to you — and how they stack up compared to traditional employee benefits.✅ What you'll learn in this video:Why fear of “losing benefits” keeps many SLPs stuck in jobs they don't loveThe difference between a Traditional IRA and Roth IRA (and which one might be right for you)REAL account options for self-employed SLPsA real-world comparison of retirement savings: employee SLP vs. self-employed SLPBy the end of this video, you'll have a clear understanding on your retirement account options as a self-employed SLP so you can plan with confidence, not fear.✨ Whether you're in private practice, part-time self-employment, or just considering leaving the schools or hospital setting, this video gives you information you NEED in order to feel confident in taking that next step.

In this episode of Behind the Wealth, we step back and look at what recent news and market conversations mean for long-term investors. From uncertainty in Washington to changing trends in the workplace, and even questions about where we may be in the market cycle, our goal is to help listeners put the headlines into context.   Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Everything you need to know about IRAs before you invest in it: Restrictions on contributions to a traditional IRA and other disadvantages of an IRA. Show notes and transcript at: What is a Traditional IRA – and Should You Invest in It? A Simple Explanation for Kids Everything you need to know about IRAs before ... Read More

Confused about Roth vs Traditional IRAs? You're not alone.In this episode, Jess and Brandon break down the pros, cons, and real-world impact of choosing a Roth IRA versus a Traditional IRA for your retirement game plan.Learn how taxes, income levels, and long-term growth factor into the decision, and why the right choice could save you thousands down the road.We cover: – How Roth and Traditional IRAs actually work – Which one fits different income brackets – Tax implications now vs later – Real-life scenarios to help you decide – Common myths and costly mistakesWhether you're just getting started or rethinking your retirement strategy, this episode gives you the clarity to move forward with confidence.Head over to our YouTube channel to catch this episode in full video form.Apply to be a guest on the show.You can also email us at: thesugardaddypodcast@gmail.comConnect with us on InstagramWe're most active over at @thesugardaddypodcastChat with BrandonWant to work together? Learn more about BrandonBook a free 30-min call to see if it's a fit.Show us some love, hit subscribe, leave a five star rating, and drop a quick review!Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jess, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Our mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and financially.

In this episode of Behind the Wealth, we dig into two common retirement questions that often come up in conversations with clients and listeners. First, we look at Roth conversions in light of the “Big Beautiful Bill” that extended lower tax rates. Many people rushed to convert before the Tax Cuts & Jobs Act was set to expire—so do conversions still make sense now? We'll discuss the considerations, trade-offs, and planning angles to think about before making any moves. Next, we tackle the question: “I'm 42—how much should I have saved?” We walk through recent data on retirement account balances by age, highlight why averages and medians can be misleading, and explain why comparing yourself to benchmarks may not give you the full picture. Instead, we'll share what actually matters: building a personal plan that reflects your lifestyle, income sources, expenses, and retirement goals. Whether you're weighing tax strategies or measuring your savings progress, this conversation is about helping you think more clearly about your own financial story. Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Could you save a small fortune in taxes… by converting your traditional IRA or 401K into a Roth? Find out on this special edition of Retirement Solutions Radio!

In this episode of Behind The Wealth, Roger and Elias dig into timely financial headlines and answer real listener questions. The Federal Reserve just cut interest rates. What does that mean for your wallet? We break down how rate cuts could impact credit cards, auto loans, and mortgages—and why it matters for your broader financial plan. With markets hitting highs, one listener asks: “Is it too late to jump in?” Roger and Elias share insights on timing, discipline, and why jumping in versus sitting on the sidelines could affect your long-term wealth story. Another listener wonders: “Is there retirement advice that actually does more harm than good?” We bust some of the most common myths about investing in retirement and highlight what you should watch out for. Whether you're thinking about borrowing, investing, or planning for retirement, this episode offers perspective to help you make more informed decisions. Take control of your financial future: https://www.btwealthshow.com/start-planning Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.  Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.  Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.  All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. Those options include Leave the money in their former employer's plan, if permitted; Roll over the assets to their new employer's plan, if one is available and rollovers are permitted; Roll over to an IRA; or Cash out the account value. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

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Is a Roth IRA really better than a traditional IRA? The truth is... it depends on your tax situation. In this video, you'll learn why your current tax bracket versus your retirement tax bracket should drive your decision, not blanket advice.Most retirees pay less in taxes later in life, which creates opportunities for smart strategies like tax arbitrage and Roth conversions. By contributing to traditional accounts during high-earning years and converting in lower-tax years, you can potentially save thousands (even hundreds of thousands) over your lifetime.James also covers why neither Roth nor traditional accounts are truly tax-free, and how tax diversification gives you flexibility to manage income in retirement. With a real case study, you'll see how strategic Roth conversions added more than $100,000 to retirement assets.Listen now to discover how to choose between Roth vs traditional IRAs and optimize your retirement tax planning.-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!

Learn how to prepare your finances for fall and support aging parents who have limited retirement savings. How can you check in on your finances this fall? What's the best way to help parents with little savings retire? Hosts Sean Pyles and Elizabeth Ayoola explain how you can give yourself a fall financial check-in before they answer a listener's question about supporting aging parents. They begin with a discussion of fall planning and open enrollment season, with tips for using this year's health costs to choose next year's plan, reviewing IRA/401(k) contributions and allocations, and setting a realistic holiday budget while tracking travel prices. Then, NerdWallet lead writer Kate Ashford joins Sean and Elizabeth to discuss how a listener can support their aging parents who haven't saved much. They discuss how to start sensitive money talks, navigate Medicare vs. Medicare Advantage (plus SHIP and Medicaid resources), and practical ways to help, including how to cover specific bills, explore subsidized senior housing, and avoid raiding your own retirement fund in order to help. See the latest rates in NerdWallet's roundups of the best high-yield savings accounts: https://www.nerdwallet.com/m/banking/standout-online-savings-accounts-2  Read NerdWallet's 2024 Financially Assisting Aging Parents Report: https://www.nerdwallet.com/article/finance/2024-financially-assisting-aging-parents-report  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: open enrollment, Medicare vs Medicare Advantage, Social Security benefits, holiday budget, IRA contribution limits, 401(k) contribution limit, high-yield savings accounts, emergency fund, claiming parents as dependents, subsidized senior housing, State Health Insurance Assistance Program (SHIP), retirement planning checklist, talking to parents about money, healthcare plan comparison, out-of-pocket maximum, Summary of Benefits and Coverage, Roth IRA vs Traditional IRA, SSA account estimate, travel prices Thanksgiving, Christmas flight prices, budget for gifts, avoid 401(k) loans, elder law attorney, support aging parents financially, pay parents' bills vs cash, cost of Medicare Advantage networks, housing downsize for retirees, public benefits for seniors, SNAP for seniors, utility assistance programs, property tax relief seniors, high-yield savings rate 4 percent, set savings buckets, wedding budget overrun, and school-year child care costs. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Roger Abel and Elias Randel tackle two big questions from listeners that many families wrestle with.

Unlock Your Retirement Potential: The Ultimate Guide to Self-Directed IRAs!

In this episode of Behind the Wealth, Roger Abel and Elias Randel answer two important listener questions that many people face when planning their financial future: Andy Asks: I just got a big promotion. Should I increase my 401(k) contributions right away or focus on building a bigger emergency fund first? Roger and Elias break down the pros and cons of each approach — from the short-term benefits of cash reserves to the long-term power of compounding in your retirement accounts. They'll also discuss how to develop a blended strategy. Dave Asks: I'm 61 with multiple 401(k)s from past jobs. Should I leave them where they are, consolidate into my current plan, or roll them into an IRA? You'll hear the advantages and disadvantages of each option so you can better evaluate what's right for your own retirement path.

Visit altassetsummit.com to learn how to invest in Alternative Assets.(More links down below.) You don't need $100K to self-direct your retirement. In this episode, Mat Sorensen and Mark Kohler outline 15+ real-world strategies for investing $25,000 or less using your Roth IRA, Traditional IRA, Solo 401(k), or HSA. From real estate deals and startup investments to crypto mining, mobile homes, equipment leasing, and even cattle, Mat and Mark break down the opportunities that everyday investors are already using to grow their retirement accounts.Whether you're just starting with $5,000 in a Roth IRA or rolling over an old 401(k), this episode reveals how to make smart, creative investments in alternative assets—without needing a six-figure balance. You'll also learn how to structure these deals legally with IRA/LLCs, avoid prohibited transactions, and understand the compliance rules that protect your tax-advantaged account.Chapters: 00:00 - Introduction to Small-Budget Self-Directing02:10 - Cryptocurrency and Crypto Mining Options06:20 - Creative Real Estate and Partnerships10:00 - Mobile Homes and Startup Investments13:45 - Turo, Oil & Gas, and Livestock22:45 - Equipment Leasing and Final Opportunities32:16 - The Power of Roth IRAsDirected IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

In a world where friendship costs roughly $250/month for Gen Z and millennials and nearly 60% say social spending impacts their financial goals, how do we balance wallets and relationships? Roger and Elias discuss how money dysmorphia is impacting our finances and what we can do to stay on track and find balance in our lives. Take control of your financial future: https://www.btwealthshow.com/start-planning Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.  Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.  Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.  All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.

Jeff Sheppard - financial advisor from The Family Wealth Group is having a family reunion event for clients as an appreciation. Kruser in for Jack talks converting a Traditional IRA to a Roth IRA, different types of money and the new rules for standard deductions after the Big Beautiful Bill. See omnystudio.com/listener for privacy information.

Jeff Sheppard - financial advisor from The Family Wealth Group is having a family reunion event for clients as an appreciation. Kruser talks converting a Traditional IRA to a Roth IRA, different types of money and the new rules for standard deductions after the Big Beautiful Bill. See omnystudio.com/listener for privacy information.

Gold, Bitcoin, and Property Taxes The FOMC thinks it is smart enough to set the price of Federal Reserve Notes. Trump wants them down to 1%. We talk about interest rates, inflation, and how the S&P has performed when measured against the dollar, Bitcoin, and gold. We also discuss how we cannot keep printing currency without producing more value, and if something can't go on forever, it won't. We also talk about property taxes, the veto and override that occurred in Ohio, and how citizens are not getting any relief despite their outcry. We are working to get property taxes abolished completely in Ohio. We also talk about the wealth gap and how it is getting larger. There are many reasons to be investing in hard assets! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds (which we finally got in!!!). Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)

FF: Price vs Value to Win! There are many topics to learn about and many ways to learn. Take advantage of every opportunity to learn something! One important lesson we cover is how to discern the difference between what something is worth (value) vs what it is selling for (price). What is valuable for one person may not be as valuable or useful to someone else. We talk about how finding out what people want can help you to create a winning deal for everyone involved. We also discuss at least one way to keep the wealth you've accumulated and keep it working for you! Sponsors: American Gold Exchange Our dealer for precious metals & the exclusive dealer of Real Power Family silver rounds (which we finally got in!!!). Get your first, or next bullion order from American Gold Exchange like we do. Tell them the Real Power Family sent you! Click on this link to get a FREE Starters Guide. Advanta IRA Our family has our IRA's & HSA at Advanta IRA. Set up a truly Self-Directed Roth or Traditional IRA, HSA, 401k or other accounts with Advanta IRA & you can invest in hard assets like we do. We own Real Estate, Gold, Silver, Bitcoin, Notes & even private placements in our retirement accounts. With Advanta IRA you can too! They will waive the application fee on new accounts when you mention the Real Power Family. Abolish Property Taxes in Ohio: https://reformpropertytax.com/ Our Links: www.RealPowerFamily.com Info@ClearSkyTrainer.com 833-Be-Do-Have (833-233-6428)

Whether your child has earned income from a part-time job, or is working for a family business, a Roth IRA can be a game-changing tool for their financial future – but it must be done correctly. In this episode of The Agent of Wealth Podcast, host Marc Bautis explores the powerful strategy of setting up a Roth IRA for children. Inspired by recent buzz (yes, Beyoncé and Jay-Z come up), Marc explains how starting young with tax-free compounding can lead to extraordinary long-term growth. He covers everything from IRA rules and documentation requirements to real-life tax court challenges and best practices. In this episode, you will learn:The differences between Roth IRAs, Traditional IRAs, and taxable investment accounts.What counts as “earned income” and why it's essential for Roth IRA eligibility. How to legally employ your child through a family business.Real-world IRS red flags and examples of what not to do.Best practices for staying compliant and maximizing benefits.And more!Resources:Episode Transcript & Blog | Bautis Financial: 8 Hillside Ave, Suite LL1 Montclair, New Jersey 07042 (862) 205-5000 | Schedule an Introductory Call

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

Are you looking to seize control of your retirement funds and explore alternative investment avenues beyond traditional stocks? In this episode, Adam Bergman, a nine-time author, former tax and ERISA attorney, and founder of IRA Financial, shares how self-directed IRAs can empower you to invest in assets like real estate, crypto, gold, private businesses, and more. Learn the essential tax rules and strategies to cultivate your retirement growth. In this episode, we chat about… Introduction to Self-Directed IRAs: Explained what a self-directed IRA is and how it differs from traditional IRAs managed by custodians like Fidelity or Vanguard. Three Things You Can't Do with an IRA: Clear breakdown of IRS restrictions: no life insurance, no collectibles, and no self-dealing (IRC Section 4975(c)). What Triggers UBIT (Unrelated Business Income Tax): Covered the three scenarios that may trigger UBIT and outlined strategies to avoid or minimize it. Solo 401(k) vs. Self-Directed IRA: Compared the advantages of solo 401(k)s for the self-employed, including UBIT exemptions and higher contribution limits. Using an IRA LLC or "Checkbook IRA": Describe the structure, benefits of control, limited liability, and privacy offered by IRA LLCs. Real Estate and Crypto with a Self-Directed IRA: Detailed how self-directed IRAs can be used for real estate and crypto investments, including the role of non-recourse loans. Key Takeaways: Self-directed IRAs allow you to invest in a wide range of alternative assets, with only a few IRS restrictions. A qualified custodian is required to handle IRA funds and facilitate compliant investments. UBIT may apply to leveraged real estate or active business investments, but it can often be reduced or avoided with the right strategy. IRA LLCs with checkbook control offer more flexibility, privacy, and direct access to manage investments. Solo 401(k)s are ideal for self-employed individuals, offering higher contribution limits and exemptions from UBIT on leveraged real estate. Learning from credible sources and consulting professionals is essential to avoid costly mistakes in self-directed retirement planning   Resources from Adam      LinkedIn | IRA Financial  Resources from Mike and Nichole      Gateway Private Equity Group |  Nic's guide