Podcasts about social security

In this episode we answer emails from Brian, Gary and Rob.  We discuss the foibles of follies of attempting to market-time gold, the fundamental problems of trying to use TIPS as inflation "hedges" in a diversified portfolio and the limited circumstances in which they make sense, introducing children to financial topics, and tax considerations in making portfolio transitions.Please remember to check out our alternative website design by clicking "Alt Site" at the top right of riskparityradio.com and send your feedback to frank@riskparityradio.com.Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterBill Bernstein TIPS Ladder Article  ("A bond fund manager recently related to me his difficulty in figuring out the role of TIPS in his portfolios. After fumbling for a reply, I realized that he was right: like Social Security, they don't occupy a formal slot in most folks' asset allocation."):  Riskless at Age 104 - Articles - Advisor PerspectivesOnce Upon A FI Book:  Once Upon a FI by Paul Mollenkopf | Discover Financial Wisdom TodayAnalysis of LTPZ (-31.68% in 2022 -- "that's not an improvement!"):  LTPZ – PIMCO 15+ Year US TIPS ETF – ETF Stock Quote | MorningstarBreathless AI-Bot Summary:Ever found yourself frozen by investment indecision? In this illuminating mailbag episode, we tackle three pressing questions from listeners who've generously supported the Father McKenna Center.First, we address the common dilemma of gold market timing. When prices seem high, should you wait for a pullback or stick to your long-term plan? The answer lies not in crystal ball predictions but in understanding the purpose gold serves in your portfolio across decades, not months. Rather than trying to outsmart the market, consider transitioning gradually into your desired allocation—whether that means buying now or implementing a systematic approach over time.The conversation then pivots to one of investing's most misunderstood instruments: Treasury Inflation-Protected Securities (TIPS). Despite their reputation as inflation hedges, the data tells a different story. We examine why TIPS have consistently disappointed during both inflationary and deflationary environments, dragging portfolios down precisely when protection was most needed. For investors seeking genuine inflation buffers, we explore alternatives that have historically outperformed during inflationary periods, including managed futures, commodities, and certain equity sectors.Perhaps most valuable is our discussion about raising financially literate children. Rather than forcing concepts on uninterested young minds (a strategy that often backfires), we suggest meeting children where they are developmentally. From opening teen brokerage accounts to creating opportunities for learning about buyer's remorse with small amounts of money, these practical approaches help children develop healthy relationships with finances without overwhelming them.We conclude with tax-efficient portfolio rebalancing strategies, demonstrating how to reduce overconcentrated positions without triggering massive tax bills. By identifying specific tax lots, directing new investments strategically, and managing dividend reinvestments, investors can gradually transform their allocations while minimizing the tax impact.Support the show

Exploring Heather Schreiber's 5 costly Social Security traps and exploring options of how to handle them. I've seen it time and again throughout my career: the intricacies of navigating Social Security can trip up just about anyone. So when I saw the headline “5 Sneaky Social Security Traps” in Heather Schreiber's newsletter, I knew right away this was going to be something that deserved a closer look on the podcast. Let's dive into these 5 Social Security traps–and these aren't just random quirks—that can lead to unexpected gaps in income, tax surprises, or permanent reductions in your benefits.  1. The Entire Month Rule You might think that turning 62 means you're automatically eligible for Social Security that month. Not quite. Social Security has a quirky rule: you have to be 62 for the entire month to receive benefits for that month. If your birthday is on June 15, you don't qualify for June's benefit. Instead, your eligibility starts in July, and your first payment doesn't arrive until August. What's even weirder is that the SSA counts your birthday as the day before you were born. So if you're born on June 2, you're considered 62 starting June 1 and therefore eligible for June benefits (which are paid in July). If you're planning on your Social Security check arriving the month you turn 62, you could be left waiting an extra month or two—potentially throwing off your cash flow. 2. Rest in Peace, Now Return to Sender Just like you must be alive the entire month to earn that month's benefit, if someone passes away mid-month, they don't qualify for that month's Social Security payment—even if it's already been deposited. This can be a shock to surviving spouses or family members when the SSA takes that money back. If a loved one passes away on June 14, and the June payment was already deposited in early July, that money must be returned. It wasn't “earned” under SSA rules. So whether you're filing for your own benefit or helping a family member, remember: Social Security is earned month-by-month—and only if you're alive for the full month. 3. Lump Sum FOMO: When Free Money Isn't Always Free When you file for Social Security after your full retirement age, you have the option to take up to six months' worth of benefits retroactively. That sounds great—who doesn't like a lump sum? But here's the catch: taking that lump sum means your official filing date is backdated. So if you file at age 68.5 and take six months retroactive payments, SSA treats you as if you filed at 68—reducing your benefit by 4%. That “free” $18,000–$20,000 could cost you thousands more over the course of your retirement. Sometimes it's worth it, but many people take the lump sum without realizing the long-term cost. 4. Under-Withholding Today May Lead to Regret Tomorrow Here's a situation I see far too often: retirees who start taking Social Security, forget to set up federal tax withholding, and then get a surprise bill come tax season. Unlike pensions or employer paychecks, Social Security doesn't automatically withhold taxes unless you fill out a separate form (Form W-4V). If you don't do this and your Social Security income is taxable, you could owe hundreds—or thousands—at tax time. Take the time to set up appropriate withholding levels. SSA allows you to choose from 7%, 10%, 12%, or 22%.  5. Medicare IRMAA and the Two-Year Lookback When you hit age 65 and enroll in Medicare, your premiums for Part B (and possibly Part D) can go up significantly if your income from two years ago was high. This IRMAA (Income-Related Monthly Adjustment Amount) surcharge can sneak up on you—especially if you had a one-time event like a Roth conversion, large capital gain, or business sale. If you had a significant drop in income due to retirement, job loss, or other life event, you can appeal your IRMAA using a life-changing event form (SSA-44). I've helped dozens of clients successfully reduce th...

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss the 2026 Social Security cost-of-living adjustment (COLA), which is forecasted to rise by 2.6% due to inflation and new tariffs. Savage explains how the increase may be overshadowed by an expected 11.8% hike in Medicare Part B premiums and what these changes could mean […]

Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect What's the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – option. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 15, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Certified Financial Planner and President of Peak Wealth Managment, Nick Hopwood joins the show to break down how Trump's “Big Beautiful Bill” could impact your retirement, analyzes a spike in 401(k) trading as investors shift to fixed income, explains why Americans now believe it takes $2.3 million to feel wealthy, and warns that Social Security is on track to cut full benefits by 2034.

The Felon President is proposing new tariffs which (of course) affect your pocketbook, but all in the name of...America? Next, an email went out regarding Social Security and guess what? It was wrong, so get the updates here. Then, Pat Kreitlow stops by to talk about the latest decision from Th Supreme Court's "Shadow Docket", as well as Pat and Greg's adventures in good sleeping health. As always, thank you for listening, texting and calling, we couldn't do this without you! Don't forget to download the free Civic Media app and take us wherever you are in the world! Matenaer On Air is a part of the Civic Media radio network and airs weekday mornings from 9-11 across the state. Subscribe to the podcast to be sure not to miss out on a single episode! You can also rate us on your podcast distribution center of choice. It goes a long way! Guest: Pat Kreitlow

In this special solo episode, Melissa Joy, CFP®, CDFA, breaks down the newly passed One Big, Beautiful Bill Act—yes, that's really the name! Signed into law on July 4th, this sweeping piece of legislation (affectionately nicknamed “OB3”) will impact everything from your tax brackets to your charitable deductions, and much more in between. Whether you're a retiree, parent, small business owner, or high earner, Melissa walks through what's changing, what's staying, and what you need to know to navigate the financial road ahead.⚖️ Key Topics Covered:

On this episode, K.C. breaks down what it really means to retire with a pension. While guaranteed income sounds great, he highlights the often-overlooked downsides—like inflation risk, limited control, and the danger of not saving enough on your own. The Henssler Money Talks hosts also explain why even pensioned workers should consider saving independently to build flexibility and long-term security.Original Air Date: July 12, 2025Read the Article: https://www.henssler.com/why-more-control-over-retirement-might-be-better-than-a-guarantee   

In this episode of Retire with Style, Alex Murguia and Wade Pfau explore key retirement planning strategies, including how couples can optimize Social Security benefits, what to do with surplus funds from bond ladders, and the potential benefits of purchasing single premium immediate annuities (SPIAs) from Roth IRAs. They highlight the importance of maintaining flexibility and tailoring strategies to each retiree's unique circumstances.   Takeaways Delaying social security can benefit the higher earner in a couple. The low earner has flexibility in claiming social security earlier. Using software can help determine optimal social security claiming strategies. Survivorship benefits are crucial in social security planning. Bond ladders are used for retirement income, not just reinvestment. Surplus funds from bond ladders can be invested in growth portfolios. Roth IRAs can be beneficial for purchasing SPIAs. SPIAs can provide tax-free income streams in retirement. Tax diversification is important in retirement planning. Real-life financial planning requires flexibility beyond strict rules. Chapters 00:00 Introduction and Overview 01:16 Social Security Strategies for Couples 06:41 Managing Bond Ladder Surplus Funds 16:29 Exploring SPIAs in Retirement   Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

We began a new series about analyzing the gurus! We'll be spending time discussing several big personal finance names, their recommendations, and why we do or do not agree with those. Josh and Amelie discuss Suze Orman's philosophy of debt, preparing for retirement, and investing. Top takeaways: Overly simplistic advice (supposedly for everyone), doesn't actually work for anyone. People generally need a softer approach to personal finance in order to encourage change. Paying off your mortgage early doesn't lower your living costs as much as you think it will and can cause financial issues. The avalanche and snowball method of debt payment are both overly simplistic and aren't ideal for anyone. A 20% downpayment on a home isn't always (or ever) necessary. Look at the ROI before taking out student loans, but remember that it needs to be a personal analysis. Research a potential financial advisor to verify their credentials. Do-it-Yourself investing may be okay for a start, but comprehensive financial planning is better for more complex situations. Age 70 may not be the most optimal age to start taking Social Security. When to start taking Social Security is not reversible and will impact the rest of your life. A specific retirement goal of $1 million or $2 million is arbitrary, as each person's goal is unique based on their circumstances, goals, and needs. Related episodes: - Episode #42: When is debt good? - Episode #119: Is the snowball method the best way to pay off debt? - Episode #160: Should I buy a house now or wait? - Episode #157: Does a mortgage make sense with high interest rates? - A Nonprofit Guide to Choosing and Interviewing a Financial Planner Want help building or growing a successful financial coaching business? Find resources below based on where you're at in your journey: - Deciding whether Financial Coaching is right for you? Join our free Facebook Community with over 5000 current and aspiring financial coaches! https://www.facebook.com/groups/financialcoachescommunity - Already decided you're going to be a Financial Coach and want to learn more? Get 30+ tips and best practices in our free 8-part email series! https://www.financialcoachesnetwork.com/pre-launch-email-series - Ready to Launch your Financial Coaching business? Join FCN Launch, our step-by-step program that will help you successfully launch your business in four months and grow it to a consistent part-time income. https://www.financialcoachesnetwork.com/launch - Are you already coaching clients and want to grow your business to a full-time income? Join FCN Grow, our program that helps you scale your business to a full-time income. https://www.financialcoachesnetwork.com/grow

From the Legal Trenches to Tech // MLOps Podcast #332 with Nick Coleman, Attorney/Founder of LexMed.Join the Community: https://go.mlops.community/YTJoinInGet the newsletter: https://go.mlops.community/YTNewsletter// AbstractNick Coleman shares his journey from high-volume Social Security disability practice to founding LexMed, a legal tech startup leveraging AI to transform how attorneys handle complex cases. He'll discuss LexMed's dual AI platforms: Hearing Echo, which automates transcription and analysis of disability hearings with speaker identification and critical testimony validation, and ChartVision, which combines human medical abstraction with AI to extract and map medical evidence to disability criteria. Nick will explain how "vibe coding" has dramatically reduced friction between his subject matter expertise and technical implementation, enabling rapid prototyping that preserves legal insights through development. By bridging domain knowledge and technology, LexMed has created solutions that address the real-world challenges he experienced firsthand in his high-volume disability practice, offering valuable lessons for AI implementation in other specialized fields.// BioNick Coleman is the founder and CEO of LexMed, a legal tech startup applying advanced AI to transform the practice of law. As a Social Security disability attorney with extensive appellate experience, Nick identified critical inefficiencies in legal workflows that technology could solve. LexMed's flagship product, Hearing Echo, leverages speech recognition and natural language processing to automate the transcription and analysis of disability hearing audio, dramatically improving case management for attorneys. Nick holds an AV Preeminent rating from Martindale-Hubbell, has been recognized as a Super Lawyers Rising Star, and serves on the Arkansas Bar Artificial Intelligence Task Force. With deep expertise at the intersection of law and technology, Nick is passionate about democratizing access to justice through innovative AI solutions.// Related LinksWebsite: www.lexmed.ai~~~~~~~~ ✌️Connect With Us ✌️ ~~~~~~~Catch all episodes, blogs, newsletters, and more: https://go.mlops.community/TYExploreJoin our Slack community [https://go.mlops.community/slack]Follow us on X/Twitter [@mlopscommunity](https://x.com/mlopscommunity) or [LinkedIn](https://go.mlops.community/linkedin)] Sign up for the next meetup: [https://go.mlops.community/register]MLOps Swag/Merch: [https://shop.mlops.community/]Connect with Demetrios on LinkedIn: /dpbrinkmConnect with Nick on LinkedIn: /nicklcoleman/Timestamps:[00:00] Disability Claims Advocacy[00:29] AI Native Startup[02:08] Disability Claims Process[07:56] Tech Journey[10:52] AI in Document Review[13:57] Building a Case for Appeal[19:26] Medical Claims Language Model[23:37] Tech-Driven Compliance Solutions[30:31] Claim Prioritization Strategy[34:57] Wrap up

What if your retirement income never ran out—no matter how long you live? In this episode, Brandon Bowen breaks down how to build a retirement paycheck using Social Security, annuities, and flexible withdrawal strategies. He explains how to replace bonds with guaranteed income, when annuities make sense (and when they don’t), and how to protect your portfolio from market downturns. With real-life stories and a cookie cake analogy you won’t forget, Brandon shows how to retire with confidence, clarity, and control. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

On this episode of Your Retirement Podcast, Kevin delves into critical aspects of retirement planning, focusing on Social Security decisions, maximizing Roth IRA benefits, understanding economic influences, and creating guaranteed income strategies. The discussion emphasizes the importance of personalized financial planning and the need to adapt strategies based on individual circumstances and market conditions. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

An airhacks.fm conversation with Maurice Naftalin (@mauricenaftalin) about: experiences with Visual Age for Java and its visual programming approach with arrows connecting components, working on British Department of Health and Social Security project using Visual Age for Java for benefits system navigation, comparison of various Java IDEs including Visual J++, Sun Java Workshop, JBuilder, Eclipse, NetBeans, IntelliJ IDEA, and Visual Studio Code, advantages of VS Code for polyglot programming and its growing ecosystem, visual programming experiences with state charts for reactive systems, IBM Rational tools and UML integration, successful visual programming with NetBeans Matisse GUI builder and AWS Step Functions, Model Driven Architecture and code generation from UML diagrams, writing Java Generics and Collections book with Philip Wadler for Java 5 and updating it for a second edition, changes in Java idioms over 15 years including deprecation of wrapper class constructors, sequence collections as major addition to Java collections framework, PECS (Producer Extends Consumer Super) principle for generics, underappreciated Java collections like NavigableMap, preference for method references and keeping lambdas concise in streams, using Class::method notation instead of Class.method, Scottish countryside and Edinburgh living experiences, early internet challenges with 300 baud acoustic couplers influencing views on network distribution versus CD-ROMs, transition from safety-critical systems to Java training and consulting, importance of understanding bounded wildcards in generics, future impact of Project Valhalla on generics and collections Maurice Naftalin on twitter: @mauricenaftalin

This week on The Art of Money, Art McPherson discusses various aspects of retirement planning, including the importance of understanding personal financial needs, the role of small businesses in the economy, and the impact of market volatility on investment strategies. He also addresses concerns regarding social security and the necessity of legacy planning to ensure a smooth transition of assets. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

This week on Retirement For Living, JoePat Roop discusses the implications of recent legislation on retirement savings, focusing on tax cuts, Social Security, and Medicare costs. He emphasizes the importance of understanding the tax landscape for retirees, particularly regarding IRMA premiums and the potential impact on Social Security taxation. The conversation also highlights the current market valuation and the risks associated with retirement planning. JoePat encourages listeners to seek personalized strategies to navigate these complexities and secure their financial future. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Ryan Herbert and Lawrence Kiely dive into the 50th anniversary of Jaws—and use it as a metaphor for the hidden dangers lurking in retirement accounts. From Required Minimum Distributions (RMDs) to Roth conversions, they break down how tax planning can be the “bigger boat” you need to stay afloat in retirement. Learn how a proactive tax strategy could potentially save you hundreds of thousands—even millions—over your lifetime. Want to begin building your retirement and tax plan? Schedule a call with us here:

Mariah Carey may not believe in birthdays, but the IRS sure does. In this episode, Mike Douglas breaks down the five key ages that shape your retirement tax strategy—and why ignoring them could cost you. From catch-up contributions at 50 to required distributions at 73, Mike explains how each milestone opens (or closes) a window of opportunity. Whether you're planning withdrawals, considering Roth conversions, or just trying to avoid tax traps, this episode helps you untangle the complex web of retirement tax rules with clarity and confidence. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

There is a lot of confusing info regarding the Big Beautiful Bill.    Forget the noise or the politics. What are the facts on some of the key aspects?   No Tax on Tips: up to $25,000 of tip income is tax-free plus your standard deduction of $15,750 for singles, $31,500 for married filing jointly.    Social Security Tax: Social Security Administration estimates 88% of seniors will no longer pay taxes on Social Security benefits.     - $24,000: average Social Security benefit     - $15,750: standard deduction for singles     -   $2,000: senior deduction     -   $6,000: new senior bonus (Big Beautiful Bill)     - $23,750: Total deductions Taxable Social Security = Zero for average senior   Requires citizenship for Medicaid. Health and Human Services estimate 1.5+ million illegal aliens will lose Medicaid benefits despite not being eligible.   Currently, 14 states offer government healthcare "regardless of immigration status". Taxpayers pay for this.   If you have private health coverage, you pay premiums every month. Many have large deductibles. Most never use it unless absolutely. If a health situation occurs, insurance rarely pays for everything. You could get stuck with huge medical debt.   Illegals have received free healthcare. Government is supposed to benefit citizens. Our government is supposed to promote and protect the principles of the Declaration of Independence: "We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among those are Life, Liberty, and the pursuit of Happiness. --That to secure these rights, Governments are instituted among Men."    The US is the only country in the world that pays for the medical expenses of people who don't belong here, yet expects our citizens to not only pay our own medical bills but also the medical expenses of  illegals.   I don't think we should have to work hard to pay for benefits for illegals.       Us Government Debt is over $37 Trillion.   The US government's lack of financial responsibility creates an opportunity.   This is the "Golden Era" of fixed assets. The best rates in 40+ years! Insured with guarantees.      - Your Personal Bank policies are insured, with guarantees, income tax-free, highly liquid, and likely to increase returns for the next 5-10 years due to higher bond yields.      - Fixed Index Annuities have the best upside potential in 40+ years with no downside market risk. The principle is guaranteed. Some offer signing bonuses up to 16% with strong upside potential.      - Guaranteed Lifetime Income is the highest in 40+ years. Some products offer up to 30% signing bonus. Other products offer up to 10% increased guaranteed lifetime income each year you defer.  

On this episode of Retire Texas Style Podcast, Derrick discusses retirement and delves into the complexities of Social Security, the importance of budgeting, and the strategic use of Roth IRAs for tax benefits. The discussion emphasizes the need for proactive financial planning and the potential consequences of inaction, especially as individuals approach retirement age. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

In this must-hear episode of The Retirement Playbook, Granger Hughes reveals the critical steps you need to take now to secure your financial future. From the emotional traps of investing to the uncertain fate of Social Security, they break down what every retiree—and soon-to-be retiree—needs to know. Discover how to lock in guaranteed income, why key retirement ages can make or break your plan, and how annuities might be your secret weapon. If you’re thinking about retirement—or already in it—this episode is your wake-up call. Don’t plan in the dark. Because if you don't have a plan for your money, the government does! Hit play to discover what your financial advisor should be telling you. For events and complimentary consultations, visit hughesretirementgroup.com.See omnystudio.com/listener for privacy information.

On this episode of the Unleash Your Wealth Podcast, Raj and Rick discuss the current market volatility and its implications for tax strategies, particularly focusing on Roth IRA conversions. They emphasize the importance of having a structured retirement plan to minimize taxes and ensure financial stability. The conversation also touches on the lasting impact of the 2008 financial crisis on retirement planning, the necessity of understanding income needs in retirement, and the challenges posed by the future of Social Security. They advocate for seeking expert financial advice to navigate these complexities and secure a comfortable retirement. For more information or to schedule a consultation with SC Wealth Advisors visit: scwealthadvisors.com Raj Shah and Rick Borek focus on wealth management, retirement planning, personal finance, taxes, estate planning and so much more. Combined, Raj and Rick have over 55 years of financial planning experience and are eager to help you retire in the most efficient manner. See omnystudio.com/listener for privacy information.

Too many people delay retirement just to boost their Social Security benefits, often at the cost of time, energy, and joy. But at Root, we believe retirement planning should be about more than just maximizing one metric. It should be about maximizing your life.If you're working extra years simply to avoid gaps in your earnings history or to earn a slightly higher monthly benefit, it's worth rethinking the bigger picture. In many cases, the trade-off isn't worth the lost years of freedom and vitality.A more holistic strategy might involve intentionally drawing from your portfolio early—when you're healthy and active—while allowing Social Security to grow in the background. And for those pursuing tax planning strategies like Roth conversions, delaying benefits can actually create opportunities for long-term savings.The bottom line? Don't let Social Security be the sole driver of your retirement timeline. Check your earnings record, run the numbers, and build a plan that aligns with your goals, health, and lifestyle. At Root, we help clients retire with confidence, not just by the numbers, but by what matters most.- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this episode, we break down the newly signed One Big Beautiful Bill Act (OBBBA) and what it means for retirees. From the extension of the 2017 tax cuts to new rules around Roth conversions, Social Security taxation, and a brand-new "Senior Deduction"—there's a lot packed into this legislation. We'll walk you through the major provisions, highlight how they may affect your retirement income strategy, and share practical planning moves to consider. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

“The circumstance that we existed in from 1980 to 2020 — while it was very pleasant — is over,” says Rick Rule, legendary investor and founder of Rule Investment Media. Speaking with Daniela Cambone at the Rule Symposium in Boca Raton, Rule warns that the era of low interest rates has ended, and U.S. dollar hegemony is weakening.“It seems to me that the only way that you honor the nominal value of our obligations… is by devaluing the purchasing power,” he says, pointing to over $100 trillion in entitlements and debt. “You honor the nominal obligation of Social Security to an old geezer like me by continuing to pay him $4,000 a month... but by devaluing the dollar.”Looking back at history, Rule points out that in the 1970s, the purchasing power of the dollar “declined by 75%,” and that “the gold price ran 30-fold.” He believes the setup is repeating and this time, “we are in a gold and gold equities bull market." No, we're not waiting for it. We're here," he concludes. ✅ FREE RESOURCESDownload the Ultimate Decision-Making Guide on Gold & Silver plus Daniela Cambone's Top 10 Lessons to safeguard your wealth (FREE)

I'll never forget the moment my co‑host Bruce Wehner shared a powerful story: Nelson told his wife, Mary, “I need to teach you how to be a widow.” That striking phrase stopped us in our tracks. It wasn't morbid—it was strategic. Nelson recognized that spouse financial preparedness is the cornerstone of true legacy planning. If your partner isn't prepared to manage finances when the unthinkable happens, your careful planning unravels—and unintentional burdens form. https://www.youtube.com/live/bVBMnWHGp1Y In today's fast-paced world, talking about money can be uncomfortable. But taking the time to ensure spouse financial preparedness isn't just responsible—it's transformative. As Rachel Marshall and Bruce Wehner, co-hosts of The Money Advantage Podcast, we're here to walk you through why preparing your spouse is crucial, and how to do it effectively. By reading this article, you'll discover: What “financial preparedness” truly means The critical pieces every spouse should know Practical tools we use with clients How to handle emotional differences in money habits A step-by-step framework to empower your spouse today Why Spouse Financial Preparedness MattersKey Areas for Spouse PreparednessIncome Plans—Now & ContingencyTaxes, Medicare & Social SecurityInsurance & ProtectionDigital Access & Password SharingEngaging Trusted AdvisorsThe LIFE Financial FrameworkManaging Emotional DifferencesTools & Rituals for PreparednessEquip Your Spouse. Protect Your Legacy.Book A Strategy Call Why Spouse Financial Preparedness Matters Bruce and I often see one partner “in the dark.” The hardworking spouse makes decisions—but the other may trust blindly, unaware of details. That puts them at risk—be it missing advisors' phone numbers, not understanding insurance coverage, or worse: being blindsided by critical decisions. One case Bruce shared involved a wife who thought their net worth was minor—only to discover $30 million after her spouse had passed. Imagine the emotional shock—and legal busyness. That's why spouse financial preparedness is a legacy necessity, not an optional extra. Key Areas for Spouse Preparedness To be truly ready, your spouse needs awareness and access across five areas: Income Plans—Now & Contingency Your spouse should understand both your current income strategy and what happens financially if one partner isn't there. Bruce calls it having a “backup income plan.” Ask: what if I retire early? What if one income stops? Taxes, Medicare & Social Security One spouse passing makes tax filing switch to “single,” which can raise Medicare Part B and D costs by up to $500/month. Understanding IRMA brackets and how Social Security survivor benefits work is vital. A spouse who knows the rules won't fall prey to unexpected costs. Insurance & Protection Life is unpredictable. Couples need clarity on life, health, disability, home, auto, liability—and how they work together. A clear policy keeps your spouse empowered and protected. Digital Access & Password Sharing In today's digital age, locked-out accounts are a nightmare. Did you know iPhone allows a “Legacy Contact”? A shared password vault ensures your partner can access bank, utilities, email—and even that mysterious password for your favorite travel site. Engaging Trusted Advisors Make sure your spouse knows and trusts your financial, legal, insurance, and tax advisors. Ideally, they attend meetings together or at least meet face-to-face. That ensures seamless transition—and peace of mind—should something happen. The LIFE Financial Framework Bruce and I use a powerful acronym—L.I.F.E.—to frame preparedness: Liquid: How much cash is needed within minutes for emergencies? Income: Do you want fixed guaranteed income to cover essentials, plus variable funds for lifestyle? Flexible: Which assets can be repositioned for other goals—travel, education, emergencies?

In this special episode of The Real Money Pros, Brian and Jeremiah are joined by Idaho Congressman Russ Fulcher to talk through one of the biggest pieces of legislation in years: the $4.5 trillion “Big Beautiful Bill.” Fulcher shares the story behind his popular addition—no federal tax on overtime pay—and how it could boost take-home income for millions of hourly workers. The crew also tackles where this bill fits into the larger economic picture, from growing federal debt to tariffs and trade resets with China, Mexico, and the EU. Later in the show, Brian and Jeremiah get personal with calls from listeners asking about the bill's impact on Social Security taxes, the future of crypto like XRP, and how to protect their families through estate planning and life insurance.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Jeremiah Bates ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros

[Detroit Free Press] Reverse mortgage borrower accused of torching his home. [Soc Sec/NPR] Despite the Big Beautiful Bill, Social Security benefits continue to be taxed. [News Week] Home sales are frozen in the HECM's largest market. Watch our video podcast here!

Bogleheads favorite Jon Luskin, CFP® drops in for a masterclass on keeping money moves “so dull they sparkle.” He specializes in providing hourly advice to do-it-yourself investors and is a long-time advocate of simple, low-cost investing. In this episode he shares with us: Why every late-starter's to-do list should begin with an emergency fund and Social Security game plan before touching their asset mix How low fees—not “sexy” alts—make numbers grow His soup-to-nuts review (including insurance gaps, estate docs and Investor Policy Statement) How simplicity wins  

Dave Rubin of “The Rubin Report” talks to Rep. Jim Himes about the evolving identity of the Democratic Party; the importance of government programs like Social Security and the GI Bill in addressing economic inequality; the role of government in uplifting marginalized communities; how identity politics can both help and hinder the party's image; the controversial debate around transgender athletes in women's sports; the balance between cultural issues and economic priorities; if he thinks Zohran Mamdani should be supported by centrist Democrats; what Republicans get wrong about the Big Beautiful Bill and how it will impact people on Medicaid; the effectiveness of government intervention in solving real-world problems; and much more.

Jim and Chris answer listener questions on Social Security filing and its effect on HSA eligibility, Social Security means testing, the timing of annuity purchases in IRAs, the Roth and Roth TSP 5-year rule.(7:30) Georgette asks whether the six-month Medicare Part A lookback is triggered by her husband's Social Security application date or benefit eligibility […] The post Social Security, Annuities, Roth and Roth TSP 5-Year Rule: Q&A # 2528 appeared first on The Retirement and IRA Show.

Hans and Robby are back again this week with a brand new episode! This week, they discuss Heather Schreiber on social security. Don't forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

 Three weeks ago, we dug into the details of what pet ownership can cost over the lifetime of a pet; however, those totals didn't include what fines you might get if your pet decides to run wild! We look at some cases of animals on the loose in Atlanta, including pet baboons, buffaloes, and pythons. According to the 2025 Retirement Confidence Survey, 67% of American workers feel confident in their ability to have enough money to live comfortably throughout their retirement, but that confidence is shadowed by deep concerns over potential cuts to Social Security and Medicare. We also explore shifting retirement timelines, rising health care costs, and growing demand for emergency savings solutions within retirement plans. K.C. shares the ins and outs of planning retirement with a pension—and the risks that often go overlooked, such as the lack of inflation protection to reduced survivor benefits and long-term funding concerns.  We will also discuss why some employers are shifting toward hybrid models that include a 401(k) component to help fill the gaps. After the break, we unpack the jaw-dropping strategy known as “Buy, Borrow, Die”—a legal tax loophole the ultra-wealthy use to build massive fortunes, fund lavish lifestyles, and pass on wealth to heirs nearly tax-free. It's a masterclass in how America's richest sidestep income and estate taxes, exposing the widening gap between the tax code for the few—and the one for everyone else. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — July 12, 2025  |  Season 39, Episode 27 Timestamps and Chapters10:12: Atlanta's Animals Running Wild15:43: EBRI 2025 Retirement Confidence Survey36:28: Retirement Planning with a Pension50:56: Buy, Borrow, and DieFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Crypto losses increase 66% in 2024 At first you may be saying I thought Bitcoin has been increasing in value? While that is true, you have to remember that is only one of the many thousands of cryptocurrencies that are available. According to the FBI in 2024, there was 149,686 complaints for total losses of $9.3 billion. It was somewhat surprising to learn that people over 60 years old, who I thought knew better than to gamble with cryptocurrencies, was the most with losses totaling nearly $3 billion. If you live in California, Texas or Florida that's where the most complaints came from with a cumulative loss of $3 billion. Mississippi was also largely impacted as the number of crypto scams per thousand was the highest at 42.1. Even though there are a far higher number of investors and larger dollars in stocks, the SEC reported nationwide just 583 enforcement actions for stock scams or stock complaints in 2024. These complaints included charges against advisors for untrue or unsubstantiated statements. Interesting to note there's now something called AI washing, which charges firms for making false or misleading statements about their use of artificial intelligence. It is hard to make a comparison of stock scams and fraud versus cryptocurrencies, but with the far higher number of people investing in stocks vs cryptocurrencies I think it is safe to say that your risk of being scammed in stock investments is far lower than being scammed when dealing with cryptocurrencies. So not only are you taking a higher market risk by investing in cryptocurrencies, but you are also taking on the risk of being ripped off as well.   Have ETFs become too complicated? The first ETF, which stands for exchange traded fund, was launched about 30 years ago. They were simple in design and you generally bought them because they held a set group of stocks or bonds using an index and charged a low fee. Today, there are now over 4000 ETFs that are listed on the New York Stock Exchange. This is more than the 2400 individual stocks listed on the exchange. In 2024 alone, 700 new ETFs were launched and 33 of those tracked cryptocurrencies. The assets have ballooned to $11 trillion and now account for 1/3 of money invested in long-term funds. Some of that growth has come from open end mutual funds, which have lost $1.2 trillion in the past two years. There are now 1300 active ETFs, which actually manage the portfolio for you like a mutual fund. A big difference is those funds can now be sold during market hours. With open ended mutual funds, you have to wait until the close of the market and then sell at the closing net asset value for the day. Nearly half of the 1300 active ETF were launched last year. It gets difficult for investors with over 4000 choices to decide which is best. Back in 2020, Cathie Wood grew to fame with her actively managed ARK Innovation ETF. The fund shot up 150% that year and assets hit $28 billion. Today, the NASDAQ composite has a five-year cumulative return of 108% and the ARRK fund has seen a decline of 2% and the assets are now under $7 billion. If you're investing in an ETF to benefit from commodities, understand generally they use future contracts to track the underlying commodity. Commodity futures are not a perfect vehicle and they generally work better for speculators that do short-term trading. One exception to this is the SPDR gold shares which is a trust that holds the actual gold. In my opinion, it is far easier to analyze one company to invest in and then build a portfolio rather than trying to understand some of these ETFs that can use leverage or future contracts or whatever. I worry investors could be blindsided when they least expect it.    What is a dark pool exchange? A dark pool exchange is an off the exchange platform where institutions can trade without broadcasting their buying or selling intentions publicly. People wonder why when we invest at Wilsey Asset Management we buy a company with the intent of holding it 3 to 5 years. For those who think they can do better by trading you are taking a toothpick to a gun fight. Exchanges and market makers make up nearly 87% of the daily trading volume, but these dark pools are trying to step in and do more of the trading, which I believe will leave the small investor in the dark and they might not know what certain stocks are trading at. I'm getting rather disgusted with how Wall Street is acting like the Wild West. FINRA another regulatory body seems to be OK with this and will be collecting fees from the dark pools. Fortunately, for the past two years, the SEC has not approved this form of trading, but with the new administration and the new SEC chairman, who seems to love the Wild West of trading, I'm sure we'll see more of this craziness going forward. This does not mean that investors on Wall Street cannot do well. To be frank, I don't care if we miss a penny or two on a trade since we are looking down the road 3 to 5 years, but if you're doing multiple trades per day that penny of two adds up. This also seems to be adding a lot more volatility to the markets. This volatility will scare investors out of good quality investments because of what they are seeing on a daily basis and not understanding what is going on behind the scenes. Remember if you are investor, you are investing in a small piece of a large company and there are millions if not billions of shares that are trading so don't worry about the short-term movements. Instead, make sure the investment you made was of good quality with sound earnings and a strong balance sheet that can weather any storm, even these dark pools.   Financial Planning: Is Social Security Now Tax-Free? One of the major topics surrounding the One Big Beautiful Bill (OBBB) was the taxation of Social Security. Now that the bill has been signed into law, we know that the method used to tax Social Security remains unchanged—but many seniors will still see their overall tax liability go down. Most states, including California, do not tax Social Security. Federally, between 0% and 85% of benefits are reportable as income, meaning at least 15% is always tax-free. The taxable portion is based on a retiree's combined income, which includes adjusted gross income, tax-exempt interest, and half of their Social Security benefits. This formula was not changed by the OBBB. However, the standard deduction is increasing substantially, which reduces taxable income and, in turn, lowers overall tax liability. Prior to the bill's passage, a married couple aged 65 or older would have had a standard deduction of $33,200 in 2025 ($30,000 plus $3,200 for age). Starting in tax year 2025, that deduction can be as high as $46,700—a $13,500 increase. This results from a $1,500 increase to the base deduction for all filers, plus an additional $6,000 per person for those over age 65. Importantly, this extra $6,000 per senior (up to $12,000 per couple) is not technically part of the standard deduction—it is an above-the-line deduction that can be claimed even by those who itemize. This add-on begins to phase out when Modified Adjusted Gross Income exceeds $150,000 and is fully phased out above $250,000. As a result, taxpayers in the 10%, 12%, and 22% brackets are most likely to benefit. So, while Social Security is still taxable, more of that income may now be shielded from taxes due to the expanded deductions. Additionally, the bill prevents the federal tax brackets from reverting to higher 2017 levels in 2026. The brackets will now remain at 10%, 12%, 22%, 24%, 32%, 35%, and 37%, instead of increasing to 10%, 15%, 25%, 28%, 33%, 35%, and 39.6%. For retirees with taxable Social Security or other ordinary income, this means lower effective tax rates moving forward. In short, Social Security is still taxable—but seniors will likely pay less, or even nothing, thanks to these changes.   Companies Discussed: Tripadvisor, Inc. (TRIP), Johnson & Johnson (JNJ), AMC Entertainment Holdings, Inc. (AMC) & KeyCorp (KEY)

The Trump Administration today said it will restrict undocumented immigrants from accessing public programs, including Head Start. Kimberly explains how the move fits into the government's broader effort to change who's entitled to services in the United States. And, the Supreme Court gave Trump the green light to continue mass federal layoffs, for now. We'll get into the emotional rollercoaster many of these workers have been on this year. Plus, we'll play a round of Half Full/Half Empty!Here's everything we talked about today:"What the Media Gets Wrong About Medicaid ‘Cuts'" from DC Journal"Taxpayer-Funded Benefits Are for American Citizens — Not Illegals" from The White House "Trump to cut off Head Start for immigrants in US illegally" from AP News  "State Department fires more than 1,300 employees in downsizing plan" from The Washington Post "Federal workers fearful after Supreme Court backs Trump's mass firings plan" from The Washington Post"How Trump's immigration policies could threaten Social Security" from Marketplace "Tariffs push companies to rethink traditional forecasts" from Marketplace"In new food fad, protein products are no longer just for gym-goers" from Marketplace"Microsoft Pledges $4 Billion Toward A.I. Education" from The New York Times"A 70-hour work week? Some job listings are foregoing work-life balance" from Marketplace”The disturbing parallels between modern accounting and the business of slavery” from MarketplaceWe love hearing from you. Leave us a voicemail at 508-U-B-SMART or email makemesmart@marketplace.org.

The Trump Administration today said it will restrict undocumented immigrants from accessing public programs, including Head Start. Kimberly explains how the move fits into the government's broader effort to change who's entitled to services in the United States. And, the Supreme Court gave Trump the green light to continue mass federal layoffs, for now. We'll get into the emotional rollercoaster many of these workers have been on this year. Plus, we'll play a round of Half Full/Half Empty!Here's everything we talked about today:"What the Media Gets Wrong About Medicaid ‘Cuts'" from DC Journal"Taxpayer-Funded Benefits Are for American Citizens — Not Illegals" from The White House "Trump to cut off Head Start for immigrants in US illegally" from AP News  "State Department fires more than 1,300 employees in downsizing plan" from The Washington Post "Federal workers fearful after Supreme Court backs Trump's mass firings plan" from The Washington Post"How Trump's immigration policies could threaten Social Security" from Marketplace "Tariffs push companies to rethink traditional forecasts" from Marketplace"In new food fad, protein products are no longer just for gym-goers" from Marketplace"Microsoft Pledges $4 Billion Toward A.I. Education" from The New York Times"A 70-hour work week? Some job listings are foregoing work-life balance" from Marketplace”The disturbing parallels between modern accounting and the business of slavery” from MarketplaceWe love hearing from you. Leave us a voicemail at 508-U-B-SMART or email makemesmart@marketplace.org.

Congress just dropped the “One Big Beautiful Bill” (yes, that's really what they're calling it), and it could reshape everything from your paycheck to your student loans. In this fast-moving episode, Pete, Kristen, and Damian unpack what OBBB actually is—and more importantly, how it affects you. Segment 1 sets the stage: from expiring 2017 tax cuts to new SALT caps, we simplify the headlines and help you emotionally prepare for what's coming at tax time. Segment 2 dives into the biggest student loan shake-up in a generation: new repayment plans, forgiveness tweaks, and tighter borrowing limits that could change how families approach college altogether. And in Segment 3, we highlight the under-the-radar changes: boosted child tax credits, deductions for tipped workers, Social Security tax relief, and new Medicaid work rules you need to know. Whether you're a student, a parent, a retiree, or just trying to keep up—this episode is your guide to navigating the chaos with clarity (and a few laughs along the way). Call to Action: What's the one part of your financial life you hope this bill improves—or doesn't mess up? Let us know!

What is the impact of the recently-passed Big Beautiful Bill on your money and retirement plans? Richard Rosso & Jonathan McCarty plumb the depths of the legislation to find the good--and the bad--effects it will have. Richard review the latest round of tariffs on Canada (markets don't care), and AI is promising to be a game changer in the middle management job market. The Big Beautiful Bill has benefits and drawbacks: there are caps and limitations, as well as enhancements for charitable giving; there is no "no taxes" on Social Security; changes in SS for future generations will likely be phased-in; remembering Gilligan's Island and coconut adaptations; the reality of "no tax on tips;" accelerated depreciation for business and higher SALT deductions; the Trump Savings Account for kids; a preview of our January 2026 Economic Summit. SEG-1: Canadian Tariffs' Market Impact - meh SEG-2: The Big Beautiful Bill's Caps & Limitations SEG-3a: Candid Coffee Teaser SEG-3b: The Big Beautiful Bill - Tax Brackets & Social Security SEG-4a: Gilligan's Island, & Policy Polarization SEG-4b: SALT Deduction & Trump Savings Accounts Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=juL4OhaFgbo&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=114s ------- Articles mentioned in this report: "Might Lower Rates Be The Cure For Higher Prices?" https://realinvestmentadvice.com/resources/blog/might-lower-rates-be-the-cure-for-higher-prices/ "Investor Greed Returns With A Vengeance" https://realinvestmentadvice.com/resources/blog/investor-greed-returns-with-a-vengeance/ ------- The latest installment of our new feature, Before the Bell, "7-10-25 Nvidia is not Dead," is here: https://www.youtube.com/watch?v=ueeSGu1M0dg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Will Lower Rates Cure Higher Prices?" https://www.youtube.com/watch?v=NDzRO8ePU-Y&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "RIA Retirement Blueprint," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BigBeautifulBill #FederalBill2025 #MoneyAndPolicy #LegislationImpact #FinancialPlanning #SocialSecurity #TrumpSavingsAccount #SALTdeduction #InvestingAdvice #Money #Investing

What is the impact of the recently-passed Big Beautiful Bill on your money and retirement plans? Richard Rosso & Jonathan McCarty plumb the depths of the legislation to find the good--and the bad--effects it will have. Richard review the latest round of tariffs on Canada (markets don't care), and AI is promising to be a game changer in the middle management job market. The Big Beautiful Bill has benefits and drawbacks: there are caps and limitations, as well as enhancements for charitable giving; there is no "no taxes" on Social Security; changes in SS for future generations will likely be phased-in; remembering Gilligan's Island and coconut adaptations; the reality of "no tax on tips;" accelerated depreciation for business and higher SALT deductions; the Trump Savings Account for kids; a preview of our January 2026 Economic Summit. SEG-1: Canadian Tariffs' Market Impact - meh SEG-2: The Big Beautiful Bill's Caps & Limitations SEG-3a: Candid Coffee Teaser SEG-3b: The Big Beautiful Bill - Tax Brackets & Social Security SEG-4a: Gilligan's Island, & Policy Polarization SEG-4b: SALT Deduction & Trump Savings Accounts   Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=juL4OhaFgbo&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=114s ------- Articles mentioned in this report: "Might Lower Rates Be The Cure For Higher Prices?" https://realinvestmentadvice.com/resources/blog/might-lower-rates-be-the-cure-for-higher-prices/ "Investor Greed Returns With A Vengeance" https://realinvestmentadvice.com/resources/blog/investor-greed-returns-with-a-vengeance/ ------- The latest installment of our new feature, Before the Bell, "7-10-25 Nvidia is not Dead," is here:  https://www.youtube.com/watch?v=ueeSGu1M0dg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1  ------- Our previous show is here: "Will Lower Rates Cure Higher Prices?" https://www.youtube.com/watch?v=NDzRO8ePU-Y&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=3s ------- Register for our next live webinar, "RIA Retirement Blueprint," July 19, 2025: https://streamyard.com/watch/qaMtj3cydgDQ ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #BigBeautifulBill #FederalBill2025 #MoneyAndPolicy #LegislationImpact #FinancialPlanning #SocialSecurity #TrumpSavingsAccount #SALTdeduction #InvestingAdvice #Money #Investing

This week on Breaking Battlegrounds, Chuck and Sam are joined by Tyler Pager, White House correspondent for The New York Times and co-author of 2024: How Trump Retook the White House and the Democrats Lost America. Pager offers a rare look inside both campaigns, including Trump's disciplined strategy, the behind-the-scenes fallout after Biden's exit, and even how a Diet Mountain Dew factored into the VP decision. Later, financial expert Gary Gigi explains what Social Security's future means for your wallet, and Hollywood insider Chris Fenton discusses rebuilding American manufacturing and the high cost of canceling conversations across party lines. Don't miss this week's episode!www.breakingbattlegrounds.voteTwitter: www.twitter.com/Breaking_BattleFacebook: www.facebook.com/breakingbattlegroundsInstagram: www.instagram.com/breakingbattlegroundsLinkedIn: www.linkedin.com/company/breakingbattlegroundsTruth Social: https://truthsocial.com/@breakingbattlegroundsShow sponsors:Invest Yrefy - investyrefy.comOld Glory DepotSupport American jobs while standing up for your values. OldGloryDepot.com brings you conservative pride on premium, made-in-USA gear. Don't settle—wear your patriotism proudly.Learn more at: OldGloryDepot.comDot VoteWith a .VOTE website, you ensure your political campaign stands out among the competition while simplifying how you reach voters.Learn more at: dotvote.vote4Freedom MobileExperience true freedom with 4Freedom Mobile, the exclusive provider offering nationwide coverage on all three major US networks (Verizon, AT&T, and T-Mobile) with just one SIM card. Our service not only connects you but also shields you from data collection by network operators, social media platforms, government agencies, and more.Use code ‘Battleground' to get your first month for $9 and save $10 a month every month after.Learn more at: 4FreedomMobile.comAbout our guest:Tyler Pager is a White House correspondent at The New York Times. He previously covered the White House at The Washington Post, where he won the 2022 Gerald R. Ford Journalism Prize for Distinguished Reporting on the Presidency. He graduated as the valedictorian from the Medill School of Journalism at Northwestern University, and with distinction from the University of Oxford, where he earned a master's degree in comparative social policy. He lives in Washington, D.C.-Mr. Gary Gygi was hired by the Investment firm Dean Witter (became Morgan Stanley) after college and worked for the firm for about 15 years. During this time he achieved the position of First Vice President, Investment and branch manager of the Midvale, Utah office. Mr. Gygi won numerous sales awards and held the position of Branch Managed Money Coordinator and Branch Insurance Coordinator. Mr. Gygi left Morgan Stanley in 2003 to join the Investment management firm of Smoot Miller Cheney (later became SMC Capital) as a Senior Vice President. Mr. Gygi holds a dual registration so while affiliating with Smoot Miller Cheney; he also was a registered rep with Independent broker/dealer WBB Securities, LLC. In 2008, Mr. Gygi left SMC Capital to found Gygi Capital Management as President and CEO. Gygi Capital serves the Institutional and individual marketplace with investment management solutions. Gygi Capital is a State regulated Registered Investment Advisory firm located in Cedar Hills, Utah. Gygi affiliates with Union Capital Co. which is an independent broker/dealer firm.-Company Founder, Chris Fenton, served as GM of DMG North America & President of DMG Entertainment Motion Picture Group, internationally orchestrating the creative, investment, and business activities of a multi-billion-dollar global media company headquartered in Beijing. During his tenure he served on the board of Valiant Entertainment, directing its eventual acquisition, and he worked closely with both Marvel and Hasbro, executing various projects to monetize their IP globally. As an author, Fenton chronicled much of his time at DMG in FEEDING THE DRAGON: Inside the Trillion Dollar Dilemma Facing Hollywood, the NBA, & American Business (Simon & Schuster).Most recently, and after three years of serving as President and CEO of Media Capital Technologies (MCT), a specialty finance company focused on strategic investments in premium content, Fenton stepped down to focus on formally advising companies, investors, brands, and Congress on how to best navigate sector disruptions and optimize America's complicated relationship with China and other challenging markets...AND HE LOVES IT!!! Follow him on X @TheDragonFeeder. Get full access to Breaking Battlegrounds at breakingbattlegrounds.substack.com/subscribe

In this week's Friday Five, Sarah gives her first impressions on what agents need to know about the 2025 Budget Reconciliation Bill. Learn more about what's changed for Medicare, Medicaid, ACA, and more!   Get Connected:

Andy and Lauren Hunt from Daybreak Wealth share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Their thoughts on the takeaways from 2025 annual Social Security Trustees report ( 7:17 )Some of provisions in the pending One Big Beautiful Bill Act that are likely to impact most people's tax returns ( 16:12 )Whether or not to get a loan or pay cash for a new car or house. Or, similarly, to pay down or pay off an existing loan ( 32:27 )Whether buying a 30 year Treasury bond is a replacement for a traditional income annuity in retirement ( 38:19 )When to consider getting a living/revocable trust ( 46:43 )Why the stock market keeps chugging ever-upward, even with so much seemingly uncertain in the world and the economy ( 54:38 )What longevity assumptions we use, and why, when doing financial planning and projections for client ( 1:07:45 )Links in this episode:Lauren's firm - Daybreak WealthLauren's prior appearance on the Retirement Planning Education podcast - Episode #098The 2025 Annual Social Security Trustees Report - hereTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

In this episode of the Retire Sooner podcast, Wes Moss and Christa DiBiase respond to listener questions and explore practical approaches to navigating retirement, investing, and financial planning. • Discover a common Roth IRA misstep that can lead to unexpected taxes in retirement and learn how to approach it with more clarity. • Explore the process of rolling over a Roth 401(k) into a Roth IRA and how the five-year rule of thumb might impact your withdrawal timeline. • Hear real-world scenarios that highlight different outcomes based on how long your Roth accounts have been in place. • Understand how to approach IRA rebalancing, including what to consider when dealing with concentrated stock positions and market changes. • Compare Social Security and police pension benefits while examining updates to the Social Security Fairness Act and what it could mean for spousal coverage. • Consider the use of retirement income projection tools and how applying more conservative assumptions may help you plan with greater confidence. • Reflect on a “retirement love letter” that reveals three powerful themes behind a fulfilling retirement: financial flexibility, lifestyle design, and intentional planning. • Follow the story of a couple who built a $6 million net worth, established six income streams, and prioritized meaningful pursuits and family in retirement. • Explore why consistent movement and a sense of adventure are strongly connected to retirement satisfaction—and how shared community living can sometimes support both. • Examine how changing family dynamics may shift your highest spending years later in life and why it matters for long-term planning. • Get a clearer understanding of buffered index-linked notes, including their structure, potential costs, and how they differ from ETFs and other options. • Learn how to calculate the present value of a pension using basic inputs such as years of service and average salary. • Hear answers to more listener questions, including how stay-at-home spouses may qualify for Social Security and what pensions might mean for younger professionals. Listen now to explore thoughtful planning strategies, real retirement stories, and insights that can help you design a future with more purpose and peace of mind. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Capitalist Investor, Tony and Derek dig into a hot economic debate: Are tariffs inflationary or deflationary? They break down the political and economic implications of Trump's proposed tariff policies, explore historical lessons, and discuss which industries are most likely to win or lose.Then, the guys shift gears to tackle a listener question about the “Big Beautiful Bill” and whether it actually helps retirees. Spoiler: If you're under 65 or earning over a certain threshold, don't expect much help.You'll also hear some real talk on:Made in America vs. cheap importsWhy the market isn't panicking (yet)Tomato inflation?!Who actually pays for tariffs—and how it could affect your walletWhether you're a business owner, investor, or someone trying to make sense of the headlines, this episode delivers a no-fluff, practical look at what really matters for your financial future.

In this episode of the Money Mastery Unleashed podcast, host Adam Olson breaks down a major legislative development that could reshape the financial future of millions of retirees—the proposed elimination of taxes on Social Security benefits through the Senior Citizens Tax Elimination Act (H.R. 1040). With over 40% of recipients currently subject to federal taxes on their benefits, this legislation could bring long-overdue relief to middle-income retirees and significantly impact retirement planning across the country.Adam shares expert insights from years of helping retirees optimize income, and explains why the Social Security tax trap is one of the biggest—and most surprising—financial burdens retirees face. He outlines how provisional income currently triggers benefit taxation, the issue of double taxation, and how stagnant income thresholds from 1983 continue to hurt today's retirees.You'll learn: • Who would benefit most from the proposed tax elimination • How it could change your retirement income strategy • What financial planning moves to make right now • Why resilient, value-based planning is essential during legislative uncertainty • Specific strategies like value-based sequencing, optional preservation, and scenario testingDiscover how to stay proactive, reduce anxiety, and be ready to pivot your strategy—regardless of whether this legislation passes. Whether you're retired or approaching retirement, this episode gives you the tools and mindset needed to plan with confidence and clarity.Want to see how this potential change affects your specific retirement situation? Click the link in the show notes to complete a short questionnaire and receive a free personalized video breakdown of your plan. Be ready so you don't have to get ready.“The Social Security tax trap is one of the biggest financial surprises waiting for retirees—and it affects millions every year.” - Adam OlsonLearn more about Adam Olson by visiting the following links:FacebookPersonal WebsiteBusiness WebsiteRetirement Quiz--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.

In this week’s Brown Table, Mandi is joined by Yanely (@missbehelpful) and Marc from Better Wallet to break down the new “baby bonds” launching in 2025 (if your baby’s already here... sorry, you missed the cutoff

President Trump's new bill offers most Social Security recipients temporary tax relief, but does not eliminate Social Security taxes entirely.Today's Stocks & Topics: WMS - Advanced Drainage Systems Inc. (NYS), MTPLF - Metaplanet Inc. (OTC, PPTA - Perpetua Resources Corp. (NAS), a listener question about direct indexing, a question from our YouTube channel viewers: LMNR - Limoneira Co. (NAS); plus Justin's market wrap, and Justin's talking points: Data Centers, Tariffs.Our Sponsors:* Check out Avocado Green Mattress: https://avocadogreenmattress.com* Check out Ka'Chava and use my code INVEST for a great deal: https://www.kachava.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brands

Chris's SummaryI am joined by Jake and Paul to discuss OBBBA tax changes and retiree impacts from the Inflation Reduction Act. We cover changes to brackets, deductions, personal exemptions, and estate limits. Paul explains how new SALT caps, Social Security deductions, and ACA credit rollbacks affect planning opportunities for retirees, especially those near income phaseouts […] The post OBBBA Tax Changes Explained: EDU #2528 appeared first on The Retirement and IRA Show.

Sometime between the summer of 1964 and 1966, a young woman named Ruth Egnoski vanished from Delavan, Wisconsin. The exact year is unclear, but she would have been between 18 and 20 years old at the time. Her family says they reported her missing to local police, but no search was ever conducted. A private investigator later claimed Ruth had boarded a bus to Chicago.Then, strange clues began to surface. In the 1970s, Ruth's Social Security card mysteriously appeared in the office of a local school custodian. In the 1980s, luggage was found hidden in the ceiling of the same custodian's office, and that custodian just so happened to be Ruth's stepfather.Could these discoveries point to a chilling connection? The case heated up briefly but eventually cooled off again. Today, Ruth Egnoski's disappearance remains unsolved.If you have any information regarding the disappearance of Ruth Egnoski, please call the Delavan Police Department at 262-728-6311.If you have a missing loved one that you would like to have featured on the show, please fill out our case submission form.Follow The Vanished on social media at:FacebookInstagramTwitterPatreonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.