Podcasts about withdrawals

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Best podcasts about withdrawals

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Latest podcast episodes about withdrawals

The Conservative Circus w/ James T. Harris
Tariff Talks & Caffeine Withdrawals: Pray for James T.

The Conservative Circus w/ James T. Harris

Play Episode Listen Later Apr 16, 2025 7:56


As the U.S. and Japan negotiate over tariffs, the real drama is closer to home as James T. is going a full week without caffeine and let's just say it's not going well!

Dave & Jenn in the Morning
Hyundai Withdrawals 04/11/25

Dave & Jenn in the Morning

Play Episode Listen Later Apr 11, 2025 2:06 Transcription Available


Hyundai Withdrawals 04/11/25

Surviving the Survivor
Entitlement or Withdrawals? Donna Adelson's Long, Bumpy, Whine-Filled Ride to Tallahassee

Surviving the Survivor

Play Episode Listen Later Apr 9, 2025 89:21


Get Joel's Book: Https://amzn.to/48GwbLxAll Things STS: Https://linktr.ee/stspodcastSupport the show on Patreon: https://www.patreon.com/SurvivingTheSurvivorCatch us live on YouTube: Surviving The Survivor: #BestGuests in True Crime - YouTube#STSNation, Welcome to Surviving the Survivor, the show that brings you the #BestGuests in all of #TrueCrime… on trending criminal cases like the Dan Markel murder. We're breaking down the complaint-filled new surveillance video of Donna Adelson — the matriarch of the Adelson family — as she's transferred from Miami-Dade County Jail to Leon County Jail in Tallahassee. We dig into the troubling entitlement and deep enmeshment inside the Adelson family that seemed to drive this ruthless murder-for-hire plot against FSU law professor Dan Markel. Despite the mounting evidence and convictions, why do the Adelsons appear so unfazed? #BestGuests: • R. Timothy Jansen — Famed Tallahassee criminal defense attorney and former federal prosecutor. #DonnaAdelson #CharlieAdelson #DanMarkel #FSU #FloridaStateUniversity #FSULaw #MurderForHire #TrueCrime #TrueCrimeCommunity #TrueCrimePodcast #JusticeForDanMarkel #MurderTrial #CriminalInvestigation #LegalDrama #CrimeUpdate #JusticeMatters #SurvivingTheSurvivor

Risk Parity Radio
Episode 412: Market Turmoil, Guardrails Withdrawals, Useful UK Sites, Bonds, Small Caps And Portfolio Reviews As Of April 4, 2025

Risk Parity Radio

Play Episode Listen Later Apr 6, 2025 43:32 Transcription Available


In this episode we answer emails from Ron, Iain, an Anonymous Visitor and Mr. Data.  We discuss Ron's generosity and his variable or guardrails withdrawal strategy, some helpful British website references, what we use bonds for in these portfolio and how the TSP G fund fits into that, and small cap growth vs. small cap value stocks.  And some notes on recent market turmoil.And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterPortfolio Charts Retirement Spending:  Retirement Spending – Portfolio ChartsMonevator Quilt Chart:  Asset allocation quilt – the winners and losers of the last 10 years - Monevator Just ETF (UK) Page:  ETF portfolios made simpleShannon's Demon Article:  Unexpected Returns: Shannon's Demon & the Rebalancing Bonus – Portfolio ChartsAmusing Unedited AI-Bot Summary:Market crashes reveal the true value of diversification. While Professor Jeremy Siegel called last week's events "the worst policy mistake in US economic history in the last 95 years," properly structured portfolios weathered the storm remarkably well.The recent market plunge shows exactly why risk parity strategies work—the S&P 500 dropped 13.3%, NASDAQ fell 17.2%, but our All Seasons portfolio remained flat for the year. This divergence creates powerful rebalancing opportunities that can enhance long-term returns.Looking at performance across asset classes reveals a classic recession pattern: falling stocks, rising treasury bonds, and initial panic selling followed by differentiated recoveries. Long-term Treasury bonds (VGLT) are up 7.2% for the year, demonstrating their crucial diversification role during market stress. Gold, despite some wobbles, remains up 15.7% year-to-date.The mathematical principle behind this outperformance is what Claude Shannon described as "Shannon's Demon"—when assets perform differently at different times, periodic rebalancing allows the portfolio to outperform any individual component. This explains why we maintain exposure to both growth and value styles, rather than trying to predict which will outperform next.For DIY investors, this market correction offers valuable lessons about portfolio construction. Understanding why you hold each asset—whether for stability, income, or diversification—is far more important than chasing yields. The Golden Butterfly portfolio, with its balanced approach across stocks, bonds, and gold, is only down 1.78% year-to-date while continuing to provide consistent distributions.Want to learn more about building resilient portfolios? Visit riskparityradio.com for sample portfolios and detailed resources, or email your questions to frank@riskparityradio.com.Support the show

Zeè Speaks
How My Therapist Stopped Me From Going Back to My Ex (Depression, Withdrawals, & Love)

Zeè Speaks

Play Episode Listen Later Apr 3, 2025 31:19


Welcome to the SpeakUPZee Podcast, the show designed to motivate, inspire, and uplift you to become the best version of yourself!Let's be real—healing is hard, and sometimes the most tempting thing is going back to the person who hurt you. Not because you've forgotten the pain, but because they were familiar. But growth doesn't live in comfort—it lives in hard choices, boundaries, and learning how to love yourself enough to let go.In this episode, Zee opens up about a raw, personal moment in therapy that changed his perspective—and helped him stop romanticizing what broke him. If you've ever been caught between healing and running back to what's familiar, this episode will speak directly to your soul.

Boost Your Biology with Lucas Aoun
308. PSSD, Anti-Depressant Withdrawals & NOT Telling Your Doctor You're Depressed

Boost Your Biology with Lucas Aoun

Play Episode Listen Later Mar 31, 2025 53:09


Lucas Aoun interviews psychiatrist Josef Witt-Doerring, who shares his unique journey in the field of psychiatry. Josef discusses the shortcomings of traditional psychiatric practices, particularly the over-prescription of medications without addressing root causes. He delves into the serious issue of Post-SSRI Sexual Dysfunction (PSSD), explaining its symptoms, prevalence, and the lack of research surrounding it. The conversation highlights the emotional and cognitive impacts of PSSD on patients, as well as the broader implications for mental health treatment. Josef emphasizes the need for more awareness and research in this area, while also discussing the challenges faced by patients in recognizing the side effects of medications. The episode concludes with a discussion on the stigma surrounding mental health labels and their impact on patient care. In this conversation, Josef critiques the current mental health care system, highlighting its dysfunction and the over-reliance on medications. He discusses the potential of psychedelics as a more empowering alternative for mental health treatment, emphasizing the importance of therapy in conjunction with these substances. The conversation also covers the risks of serotonin syndrome associated with certain medications and the critical importance of tapering off psychiatric drugs safely. Josef shares inspiring recovery stories of individuals who have successfully weaned off medications through lifestyle and dietary changes, underscoring the transformative power of holistic approaches to mental health.Podcast Show Notes/Links:Dr. Josef's YouTube Channel: https://www.youtube.com/@taperclinic Dr Josef's Free Course: https://www.youtube.com/watch?v=VY820dpjdq8&t=2s Get Lucas' New Supplement Here: https://www.inb4supps.com/ Disclaimer:The information provided in this podcast episode is for entertainment purposes and is NOT MEDICAL ADVICE. If you have any questions about your health, contact a medical professional. This content is strictly the opinions of Lucas Aoun and is for informational and entertainment purposes only. It is not intended to provide medical advice or to take the place of medical advice or treatment from a personal physician. All viewers of this content are advised to consult with their doctors or qualified health professionals regarding specific health questions. Neither Lucas Aoun nor the publisher of this content takes responsibility for possible health consequences of any person or persons reading or following the information in this content. All consumers of this content especially taking prescription or over-the-counter medications should consult their physician before beginning any nutritional, supplement or lifestyle program. Hosted on Acast. See acast.com/privacy for more information.

MoneywebNOW
[TOP STORY] Wonder where two-pot withdrawals have gone?

MoneywebNOW

Play Episode Listen Later Mar 31, 2025 6:30


‘What it does seem is that overwhelmingly [they] have been used to pay down debt': Rob Southey from Momentum Corporate.

Catching Up To FI
72(t) Expert Tells All: No More Secrets About Early Withdrawals (Part 1) | Bill Stecker | 131

Catching Up To FI

Play Episode Listen Later Mar 30, 2025 59:59 Transcription Available


One of the most frequent questions we get about retiring early is: 'How do I get money out of my retirement accounts before age 59.5, without paying the 10% penalty'? This episode answers that question and more with CPA and 72(t) expert, Bill Stecker. Bill is the founder of The Marble Group which specializes in federal income taxes and early retirement distributions. He's also the brilliant mind behind the website '72tcalc', hands down the most comprehensive resource we've found specifically focusing on 72(t)s. Cohost Jackie knows because she set up her own substantially equal periodic payments (SEPP) using IRS rule 72(t) in 2024 and will share some details of her first-hand experience. If you've been fearful and confused about how 72(t)s work, fear no more! In this episode, we thoroughly break down everything you need to know in a way you've never heard before. We also discuss more than a dozen other ways the IRS allows you to legally avoid federal tax penalties for early withdrawals from your retirement accounts. To make sure we did this topic justice, we turned it into a 2-part series. This is part 1, and part 2 will be released next week; both packed with valuable insights and practical tips for anyone considering early retirement.  

The Retirement and IRA Show
Identity Theft, Spousal Benefits, RMD Taxes, IRA Withdrawals, and 401(k) Contribution Limits: Q&A #2513

The Retirement and IRA Show

Play Episode Listen Later Mar 29, 2025 76:40


Jim and Chris discuss listener questions relating to spousal Social Security benefits, RMD tax withholding, IRA withdrawals, and 401(k) contribution limits. Jim also shares a PSA about a recent attempt at identity theft. (20:15) Jim shares a PSA about a fraudulent payday loan application attempted in his name and what he learned about credit freezes […] The post Identity Theft, Spousal Benefits, RMD Taxes, IRA Withdrawals, and 401(k) Contribution Limits: Q&A #2513 appeared first on The Retirement and IRA Show.

Money Mastery UNLEASHED
Strategic Withdrawals: Where to Pull Funds From First in Retirement

Money Mastery UNLEASHED

Play Episode Listen Later Mar 27, 2025 15:08


In this episode of the Money Mastery Unleashed Podcast, Adam Olson, a Certified Financial Planner with Mutual of Omaha, dives deep into the critical strategies for structuring retirement income to minimize taxes. He explains the different types of retirement accounts—tax-deferred, tax-free, and taxable—and the implications of withdrawing from each. Adam emphasizes the importance of strategically planning distributions to keep tax liabilities low while ensuring a consistent income stream throughout retirement. By tailoring withdrawal strategies to individual needs and adjusting them annually, retirees can avoid unnecessary tax burdens and maintain financial stability. Adam also highlights the significance of considering factors like Social Security taxation, Medicare premiums, and the potential benefits of consulting a knowledgeable financial advisor. This episode is packed with practical insights to help listeners navigate the complexities of retirement income planning, ensuring they enjoy a comfortable and tax-efficient retirement. "How you structure your income in retirement can significantly impact the taxes you pay—strategic planning is key to minimizing your tax burden." Key Takeaways: Types of Retirement Accounts Additional Income Sources in Retirement Structuring Retirement Paychecks Investment Strategy Alignment Learn more about Adam Olson by visiting the following links: Facebook Personal Website Business Website -- Investing involves risk, including loss of principal.    Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone.  Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product. Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Takacs McGinnis Elder Care Law Hour
Episode 265: FAQs about Annuities

Takacs McGinnis Elder Care Law Hour

Play Episode Listen Later Mar 25, 2025 22:40


What is an annuity? Is it a good tool for my goals? Certified Elder Law Attorney Barbara McGinnis joins Certified Financial Planner, Matt Brown the branch manager of Raymond James in Cookeville to explore frequently asked questions about annuities. 304 Family Wealth |304 N. Washington Ave. Cookeville, TN 38501| 931.520.0778 Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. 304 Family Wealth is not a registered broker/dealer and is independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. The information has been obtained from sources considered to be reliable, but we do not guarantee that it is accurate or complete, it is not a statement of all available data necessary for making an investment decision, and it does not constitute a recommendation. Any opinions are those of Matthew Brown and not necessarily those of Raymond James. Annuities are long-term, tax-deferred insurance contracts designed for retirement. Withdrawals made prior to age 59 ½ may be subject to taxes and possible penalties. Any guarantees are backed by the claims-paying ability of the issuing insurance company. Contracts are subject to fees and limitations. Investors should consider the investment objectives, risks, and charges and expenses of variable annuities carefully before investing. The prospectus contains this and other important information about the variable annuity and its underlying funds. Prospectuses for both the variable annuity contract and the underlying funds are available from your financial advisor and should be read carefully before investing. Investing involves risk and you may incur a profit or a loss regardless of strategy selected. Past performance is no guarantee of future results. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

Breakfast with Refilwe Moloto
Money on a Monday: Second wave of savings pot withdrawals

Breakfast with Refilwe Moloto

Play Episode Listen Later Mar 24, 2025 8:05


The two-pot system was made live in September 2024, and allows retirement fund members to access their savings pots once every tax year. Alexforbes has noted that more than 33 000 of their members have already made claims since 1 March 2025, the start of the current tax year, and this can be a cause for concern as it could mean that people are depleting their retirement savings prematurely. Lester Kiewit speaks to John Anderson, executive for solutions and enablement at Alexforbes.See omnystudio.com/listener for privacy information.

The Get Ready For The Future Show
GRFTFS: Withdrawals Effect on Social Security Taxation?

The Get Ready For The Future Show

Play Episode Listen Later Mar 22, 2025 35:56


"I'm 67, looking to retire next year, and have multiple different types of accounts with my retirement savings. How do my withdrawals impact the taxation of my Social Security benefits?" We're answering YOUR questions on this week's Get Ready For The Future Show!  I want to watch my family enjoy what I've earned over the years. Are there opportunities for tax-efficient wealth transfer to heirs while still alive? Should I consider a multi-family property as my first investment, living in one unit and renting the others?  And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com!  Originally aired 3/19/2025 

MONEY FM 89.3 - Your Money With Michelle Martin
Influence: Chocolate Finance has processed all withdrawal requests from first two days of the temporary halt on instant withdrawals

MONEY FM 89.3 - Your Money With Michelle Martin

Play Episode Listen Later Mar 20, 2025 15:16


Founder & CEO Walter de Oude joins Michelle to discuss the state of customer requests, customer funds safety and what's been taken from this episode on strengthening customer sentiment.See omnystudio.com/listener for privacy information.

We Chat Divorce Podcast
Divorce & Taxes: Considerations Before You File

We Chat Divorce Podcast

Play Episode Listen Later Mar 12, 2025 21:30


Tax season comes around fast, and for those navigating divorce, tax decisions can feel overwhelming. In this episode, Karen Chellew and Catherine Shanahan break down the key considerations you need to keep in mind when filing your taxes before, during, or after divorce. Key Takeaways: ✔️ Filing Status Matters – Understanding the differences between filing jointly, married filing separately, head of household, and single. ✔️ Accessing Tax Information – Why gathering tax documents early is crucial, especially if your spouse has handled finances. ✔️ Negotiating Tax Savings – How tax benefits can be part of your divorce settlement strategy. ✔️ Claiming Dependents – Why alternating years may not be the best financial choice. ✔️ Alimony & Tax Law Changes – Understanding the post-2019 rules on taxable and deductible alimony. ✔️ 401(k) Withdrawals & Hidden Tax Consequences – The impact of taking funds from retirement accounts. Knowledge is power. Before making any tax-related decisions, consult with a qualified accountant to ensure you're making the best financial choices for your future.

MONEY FM 89.3 - Your Money With Michelle Martin
Chocolate Finance : Down from a max wait of 10 to 6 working days for withdrawals

MONEY FM 89.3 - Your Money With Michelle Martin

Play Episode Listen Later Mar 12, 2025 8:12


MIchelle Martin and Nirgunan Tiruchelvam, Alētheia Capital's Head of Consumer and Internet discuss the latest turns of the Chocolate Finance story On 4 March, users of Chocolate finance learnt they could no longer use their Chocolate debit card at AXS. On March 9, a influencer and former affiliate of Chocolate finance Sethify, posted a video sharing why he was pulling all of his funds out of Chocolate finance citing weak relative rates, safety compared to instruments like SSB, and his experience as an affiliate. In this discussion, hear what investors looking for fuss free returns on spare cash can take from this chapter.See omnystudio.com/listener for privacy information.

Dish Nation
S13 Ep131: 03/10/25 - Regina Hall's Looking for Love & Usher's Having Withdrawals?

Dish Nation

Play Episode Listen Later Mar 10, 2025 18:30


Is #ReginaHall ready to find love on TV?

Plan Your Federal Retirement Podcast
TSP Withdrawals: When, How, and Why to Start

Plan Your Federal Retirement Podcast

Play Episode Listen Later Mar 10, 2025 31:10 Transcription Available


Understanding your TSP withdrawal options is essential for a successful retirement.  In this podcast episode, Micah and Christian break down the three financial phases: accumulation, preservation, and distribution, highlighting the critical decisions federal employees need to make when withdrawing from the TSP. Learn about the different withdrawal options, including lump sums, partial withdrawals, TSP annuities, and transfers to IRAs. Discover how tax planning, required minimum distributions (RMDs), and timing impact your financial future. They also share real-life examples of costly mistakes and how to avoid them. Tune in to ensure you make informed decisions about your TSP and set yourself up for long-term retirement success. https://zurl.co/cEHsZ

Intentional Now
Episode 201: Divine Withdrawals | Harnessing God's Investment: with Dr. Sheila Jackson ❖ 201

Intentional Now

Play Episode Listen Later Mar 8, 2025 62:13


You can't have a physical transformation until you have a spiritual transformation.” – Cory BookerWelcome our special guest: Dr. Sheila JacksonEPISODE HIGHLIGHTS Trusting God's timing is essential for spiritual growth. Learning to appreciate the journey shapes who we are. Submitting our will to God's will is a key struggle. The joy of the Lord is our strength in difficult times. Journaling helps us hear God's voice and track His promises. God's investments in us include our gifts and purpose. Dreams and Vision: Experiencing the unseen realm can deepen our faith. Key Moments in Prayer, a powerful tool for transformation and healing. Healing Testimony and Divine Prayer Language Changing our thoughts with the Word of God The great thing to remember is that though our feelings come and go God's love for us does not.” – C.S. LewisINTERVIEWING JESUS SHOW NOTES and links to connect with Dr. Sheila JacksonConnect with Kristen onIJP Facebook CommunityInstagram #interviewingjesuspodcast #livingspirituallybraveTwitter XLinkedinLinkTreeWebsiteKristenWambach.com Thank you for spending this time with me, I am honored. See you next week Kristen Music Credits  by Stockaudios from Pixabay  We're on this journey together, sharing wisdom through these episodes and videos. If they resonate with you, please like, comment, or subscribe to our channel. Your support helps us create content that speaks to your soul. Thank you for being part of our community. We are, because you are, Living Spiritually BRAVE!

The Planning For Retirement Podcast
67: Retire at 62/61 with $1million IRA, Optimize Social Security, Managing IRA Withdrawals, Optimize Taxes

The Planning For Retirement Podcast

Play Episode Listen Later Mar 4, 2025 32:45


⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠ visit my website⁠⁠Today, we will be looking at a client example of a 62/61 year old couple with $1mm inside of a Traditional IRA, about $50k in cash savings, and a $450k home that is paid off.  In this episode, we're going to dive into the timing of their Social Security income, IRA distribution strategy, Roth Conversions, as well as their investment strategy.  We'll also discuss some of the key risks they'll face throughout retirement.  I hope you enjoy this 4th edition of the “Whiteboard Retirement Plan.”-KevinConnect with me here:YouTubeJoin My Company NewsletterFacebookLinkedInInstagramThis is for general education purposes only and should not be considered as tax, legal or investment advice.

Risk Parity Radio
Episode 403: Navigating The New Regime, What Does A Weak Dollar Mean, Inflation In Withdrawals And Portfolio Reviews As Of February 28, 2025

Risk Parity Radio

Play Episode Listen Later Mar 2, 2025 36:06 Transcription Available


In this episode we answer emails from Andy, Mark and Graham.  We discuss what may do well under the current US administration and related concerns, what a weak dollar means for risk assets and allocating to volatility, and how inflation should realistically be accounted for in withdrawals.  And THEN we our go through our weekly and monthly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterNew Catching Up to FI Podcast with Yours Truly:  “The Risk Parity Paradox” an Exercise in Simple Complexity? | Frank Vasquez | 124US vs International Stocks In Strong And Weak Dollar Markets (link from Episode 393:  us-dollar-strength-has-correlated-with-performance-03312023.pdfSpending Trajectories After Age 65 Research Paper and  Summary (link from Episode 336):  Spending Trajectories After Age 65: Variation by Initial Wealth | RANDAmusing Unedited AI Bot Summary:Unlock the secrets of resilient investing with our latest episode of Risk Parity Radio! Join us as we explore the dynamic relationship between risk and reward in today's unpredictable market landscape. With insights from Frank Vasquez, we discuss how various asset classes, including gold and bonds, are performing amid rising economic uncertainty.We feature an in-depth analysis of eight sample portfolios, shedding light on their performances and the lessons they offer for individual investors. Our host encourages listeners to reflect on their investment strategies and promotes the importance of diversification as a safeguard against market fluctuations.Listeners are invited to engage with us through insightful emails, tackling current economic concerns such as inflation and its implications for retirees. Wrap up the episode with practical advice, encouraging self-education and proactive engagement in personal financial management.Don't miss this opportunity to refine your financial strategies! Subscribe, share your thoughts, or leave a review to join our growing community of informed investors.Support the show

Modern Day Hippie
We Have to Talk About Weed Withdrawals

Modern Day Hippie

Play Episode Listen Later Feb 26, 2025 28:39


#70: A new year brings a new 4-20 fast for Reggie. On today's episode, he discusses the oft-overlooked topic of weed withdrawals and the tough symptoms that they can bring.Snort cacao powder (and other things) with ease: https://snogostraws.com/MDHpodUse discount code MDH15 for 15% off at checkoutEnjoy all your substances worry-free with a Dance Safe test kit: https://dancesafe.org/r/MDHpod/DISCLAIMER: This podcast is for educational and entertainment purposes only. Our goal is to educate and inform others about the realities of substance use in an engaging and entertaining format. We are in no way confessing to the acts stated in this episode. This episode, along with all others found on our podcast, has been uploaded purely for entertainment purposes and should not be taken seriously.

WealthTech on Deck
Integration of Annuities and Social Security Planning with Jan Buchsbaum and Mark Fitzgerald

WealthTech on Deck

Play Episode Listen Later Feb 25, 2025 34:24


In this episode, Jack Sharry talks with Jan Buchsbaum, Chief Product Officer, and Mark Fitzgerald, National Sales Manager at Nassau Financial Group. They discuss the integration of annuities and social security planning in creating guaranteed retirement income and Nassau's product development and solution design. From simplifying complex financial products and processes to a streamlined user experience and smart approach to partnerships and distribution, Jan and Mark explore Nassau's impressive growth trajectory and discuss the key elements driving their success. In this episode: (00:00) - Intro (01:28) - Overview of Nassau Financial Group (02:54) - Nassau's sales strength, growth, and momentum (06:29) - Nassau's process for developing products (09:22) - A collaborative approach to product development (14:40) - Integrating annuities and social security planning (20:26) - Educating clients and advisors on the value of annuities (27:52) - Uncovering additional assets through social security optimization Quotes "We are hyper-focused on providing solutions for our partners and consumers that matter and enhance their lives. And we are constantly always trying to figure out how we can be better." ~ Jan Buchsbaum "If you're having a conversation around social security, you're helping that individual maximize their lifetime income." ~ Mark Fitzgerald Links  Jan Buchsbaum on LinkedIn Mark Fitzgerald on LinkedIn Nassau Financial Group Phil Gass Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook Disclosure Nassau Life and Annuity Company, the Nassau Income Accelerator Annuity and the Nassau Flex-Forward Income Benefit rider are NOT connected with, recommended, or endorsed by any governmental program, agency, or entity, including the Social Security Administration. All social security and annuity income payment examples are for educational and illustrative purposes only. Individual results will vary. This information is not meant to provide investment, tax or financial planning advice. Nassau does not provide individual tax, financial or investment advice or act as a fiduciary in the sale or service of insurance contracts. Please consult your personal tax or financial advisor for assistance. Fixed annuities are insurance contracts and do not provide ownership of any stocks, bonds, index funds, or other securities. These products are not FDIC or NCUAA Insured and there are no Bank or Credit Union Guarantees. Lifetime payments and other contract guarantees are subject to the claims-paying ability of the issuing company. These annuities offer a Fixed Account and a variety of Indexed Accounts. The Fixed Account earns a specified rate of interest that is no less than 0 to 3% depending on the state and product. Contract growth is not guaranteed. Fees and restrictions apply. Withdrawals may be subject to charges, pro-rated fees and adjustments. Withdrawals (including income payments) are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. Please review the applicable product and rider disclosures for more information. Nassau Income Accelerator is a single premium deferred fixed indexed annuity issued on contract form 19FIA, ICC19EIAN, or 19ISN. This annuity is issued by Nassau Life and Annuity Company, Hartford, Connecticut, a subsidiary of Nassau Financial Group. In California, Nassau Life and Annuity Company does business as "Nassau Life and Annuity Insurance Company." Nassau Life and Annuity Company is not authorized to do business in Maine and New York. BPD42072

Double Take with Matt and Jake
227: Football Withdrawals

Double Take with Matt and Jake

Play Episode Listen Later Feb 21, 2025 47:44


Matt and Jake preview NFL Free Agency, Super Bowl Parade highlights, Cam Ward versus the 2024 Draft Class

Harmony in the Home
295: Love Cup Withdrawals

Harmony in the Home

Play Episode Listen Later Feb 19, 2025 15:06


We talk about our emotional love cup on this podcast and making intentional deposits. But what happens when withdrawals happen in our most vulnerable relationships?  Today we will unpack what that is like and how it plays into our different love languages so we can be more intentional with the impact of our withdrawals as much as we are with our deposits. Please let me know your biggest takeaway and reply to this email if you're interested in more info on the letter writing I'm doing and having so much fun with every day. Check out our sponsor Herbal Face Food and support the show by clicking the link https://tinyurl.com/KellysFavoriteAntiAgingSerum and using the code Harmony20 at checkout for 20% off. Subscribe on Apple! Subscribe on Android! Join my FREE parenting bootcamp! Let's Connect! Here's where you can find me: Learn more at https://www.coachingkelly.com. Find me on Instagram! Find me on Facebook!

Amina Change Your Life
Ep 109: Harnessing the Power of Awkwardness with Global Keynote speaker Henna Pryor

Amina Change Your Life

Play Episode Listen Later Feb 18, 2025 38:05


Henna Pryor, a former top leader at a $2 billion executive search firm, possesses over 14 years of extensive experience in career transitions and leadership. As a highly sought-after global keynote speaker and 18 time award winning author, Henna's insights have been prominently featured in publications such as Inc. Magazine, Forbes, NBC, Washington Post, business.com, HuffPost, and Fast Company. Recognized as a Success Magazine Woman of Influence, she has established strong partnerships with leading organizations including Google, Workday, Johnson and Johnson, and JP Morgan Chase. With two TEDx speaking engagements and her book, "Good Awkward," endorsed by NFL quarterback Russell Wilson and former HBR editor Karen Dillon, Henna's professional journey and expertise in navigating career transitions position her as a credible and influential figure for professionals seeking guidance and inspiration. The key moments in this episode are:  00:02:28 - Building Relationships Through Deposits and Withdrawals  00:13:34 - Compassionate Networking 00:24:21 - The Importance of Consistency in Personal Branding  00:27:00 - Building Resilience  00:28:38 - Fear of Not Meeting Imagined Potential  00:33:59 - Externalizing Self-Talk and Embracing Feedback    Connect with Henna Pryor Website: pryoritygroup.com Instagram: @Hennapryor LinkedIn: linkedin.com/in/hennapryor Book: pryoritygroup.com/book   Connect with Amina AlTai Website: aminaaltai.com Instagram: @aminaaltai TikTok: @theaminaaltai Linkedin:   linkedin/in/aminaaltai

Ready For Retirement
Root Talks: How Should I Split Retirement Withdrawals Between Pretax and Roth Accounts?

Ready For Retirement

Play Episode Listen Later Feb 13, 2025 24:34 Transcription Available


In this episode, we're talking about the importance of a strategic withdrawal plan in retirement to keep taxes in check and set you up for long-term financial stability. Ari and I break down why a simple 50/50 split between traditional and Roth accounts isn't enough—you need to plan based on your tax situation and future needs. Using a listener's example, we walk you through how to think about tax brackets, required minimum distributions (RMDs), and when it might make sense to convert funds to a Roth IRA.We also discuss the role of asset location—putting riskier investments in Roth accounts for tax-free growth and stable investments in traditional IRAs for withdrawals. It's all about balancing tax strategies with your lifestyle goals. At Root, we prioritize your purpose first, and we encourage you to explore our resources, like our podcasts, YouTube channel, and community, to learn more about smart retirement planning.Submit your request to join James:On the Ready For Retirement podcast: Apply HereOn a Retirement Makeover episode: Apply Here  Timestamps:0:00 - The comment that prompted this chat2:39 - Run some projections5:14 - The benefit of Roth7:31 - Asset location and allocation10:07 - Root reserves13:50 - More often than not15:22 - Tax insurance17:17 - Cart before the horse?19:30 - It starts with purpose21:33 - Where to find James and AriCreate Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

King of the Court
A WILD PPA TUCSON RECAP | Injury Withdrawals, Anger-Filled Nasty Nelsons, & Hot Mics

King of the Court

Play Episode Listen Later Feb 12, 2025 74:40


Send us a textIn this episode Tyler and Jimmy discuss last week's PPA tournament, the Tucson Open, which was spicy and drama-filled to say the least. They touch upon Fed's losses now that he's team Adidas, Jack Sock & Jay Devilliers' nasty nelsons, and rank Christian Alshon as a top player. Tyler and Jimmy also debate on whether players should intentionally let their opponent continue playing if they know they are withdrawing. Tyler and Jimmy wrap it up by answering your questions. As a reminder, please join Tyler and Jimmy at the You Are Loved Event this February 15, 2025 to commemorate the lives of Landon and Tim. To register: https://clubpickleballusa.com/youarel... Let us know what topics we should cover in future episodes, thanks for following along!—————————Website: https://www.tylerloong.com/ Use Code "KOTC0225” for Huge Savings at Pickleball Central: https://pickleballcentral.com/ Use Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" to save 10% on Modballs: https://modballs.com/products/modballs Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --0:00 Intro6:35 Tyler's assessment of Tucson9:03 Men's Singles Recap18:42 Women's Singles Recap23:45 C&D Pickleball Nets25:53 Mixed Doubles Recap31:15 Men's Doubles Recap48:21 Vulcan 49:18 Women's Doubles Recap56:05 Sophie Burgess Shoutout58:00 Q&A

Jill on Money with Jill Schlesinger
Withdrawals in Retirement

Jill on Money with Jill Schlesinger

Play Episode Listen Later Feb 10, 2025 18:37


I need about $5k per month to live on in retirement but I'm not sure where I should be taking the money from. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The Mike Hosking Breakfast
Shane Jones: Resources Minister on NZ First's bill that aims to stop environmentally informed bank service withdrawals

The Mike Hosking Breakfast

Play Episode Listen Later Feb 10, 2025 3:40 Transcription Available


The Resource Minister is pushing back on criticism of his party's bill, which aims to stop 'woke', environmentally informed bank service withdrawals. A Massey University banking expert says the bill doesn't account for the commercial risks of lending to groups such as mining companies. Resource Minister Shane Jones told Mike Hosking banks have to assess credit worthiness, but the current situation is problematic. He asks when it became the banks' job to ascertain the emissions problem of each cow, and how often businesses should be shut down by these luxury beliefs. Jones says Massey University banking experts are disciples of woke-ism. NZ First has faith they have the backing to support their bill if it gets pulled from the biscuit tin. Jones says they have the support in two ways. Firstly, through his ability to gut the energy settings for New Zealand's power sector, and secondly through his belief Labour has realised they went too far when it comes to climate hysteria. LISTEN ABOVE See omnystudio.com/listener for privacy information.

BiggerPockets Money Podcast
The 4% Rule Naysayers Are Wrong (We Retired at 47 Using It!)

BiggerPockets Money Podcast

Play Episode Listen Later Feb 7, 2025 48:17


Does the four-percent rule actually work? On paper, yes. So why don't more people put it to the test? Today's guest retired at forty-seven years old and is living proof that the math really does check out. Stay tuned to find out how! Welcome back to the BiggerPockets Money podcast! Bobby Beck has done what so many in the FIRE community are seemingly unable to do—he actually retired on the four-percent rule! What's more? He did it while living in the Bay Area, one of the most expensive markets in the US. What gave him the confidence to leave his job and never look back? While “One More Year Syndrome” keeps many people from retiring early, Bobby's mantra of “take a year” compelled him to take a leap of faith. Even though his retirement portfolio took a sixteen-percent hit right before he retired, he weathered the storm, and sure enough, the market rebounded! Now, Bobby lives the life people dream of when they discover FIRE. He has a comfy lifestyle, travels multiple times a year, and only checks his portfolio once a month. If you need the motivation to call time on your career and put your retirement date on the calendar, you don't want to miss this episode! In This Episode We Cover How Bobby and his wife retired on the four-percent rule (at age 47!) Why the FIRE community overestimates how much they'll owe in taxes How to beat “One More Year Syndrome” and actually retire early Growing your brokerage accounts and cash to avoid the middle-class trap The portfolio allocation that will give you the confidence to retire And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook Sign Up for BiggerPockets Momentum 2025 to Reach FIRE Faster Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Learn How to Retire Early with Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) (00:00) Intro (01:03) Retired at 47! (05:49) Bobby's Portfolio (08:35) Real Estate Investments (17:05) Withdrawals & Tax Strategies (26:45) 100% Stock Portfolio (34:36) What Does Your Life Cost? (39:47) The 4% Rule Works! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-605 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

RETIREMENT MADE EASY
Retirement Withdrawals: How to Make Your Money Last, Ep 180

RETIREMENT MADE EASY

Play Episode Listen Later Jan 31, 2025 32:08


How do you turn your retirement savings into a steady paycheck that lasts? I've had a lot of questions about this lately—and for good reason. Without a well-thought-out withdrawal plan, people risk running out of money too soon, paying more in taxes than necessary, or simply feeling uncertain about how to manage their nest egg. Shifting from saving to spending isn't always easy, and I want to help people feel confident in their approach. That's why I like to keep things simple and intentional. In this episode, I'll walk through a practical way to organize retirement savings into different “buckets” based on when the money will be needed. I also share a real example of how someone ended up paying thousands more in taxes than necessary—just because of the way they withdrew their money. With a little planning, retirees can make their savings last and still have the freedom to enjoy life. You will want to hear this episode if you are interested in... (0:00) Intro (1:10) Sources of Income (3:05) Costly Withdrawal Mistakes (7:50) The Spending Mindset Shift (12:10) The Three-Bucket Method (18:40) Which Accounts to Use First (24:00) Adjusting Over Time Resources & People Mentioned 3 Steps to Retirement Planning Retirement Budgeting Tool 2025 Market Outlook from LPL Financial Episode 72: The Bucket Strategy Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts

MoneyMD
Strategic Withdrawals | Inheritance Insights

MoneyMD

Play Episode Listen Later Jan 31, 2025 33:00


Episode 575: Join Justin and Zach to learn how to stretch your retirement savings with strategic withdrawal strategies. Next, they'll share tips on optimizing an inheritance for lasting financial security.

MoneywebNOW
Two-pot withdrawals not moving the needle

MoneywebNOW

Play Episode Listen Later Jan 30, 2025 19:10


Lonwabo Maqubela from Perpetua Investment Managers on Hyprop's update, highlighting solid retail growth both locally and offshore. Dr Roelof Botha on the Altron Fintech Household Resilience Index and its insights into consumer trends in Q4 last year.

Arcadia Economics
Bank of England: Gold Withdrawals Facing 4-8 Week Delays

Arcadia Economics

Play Episode Listen Later Jan 29, 2025 3:28


Bank of England: Gold Withdrawals Facing 4-8 Week Delays Stress in the precious metals markets continues on. With the latest news being that gold withdrawals from the Bank of England, which normally take a few days, are now facing 4-8 week delays. To find out more, click to watch the video now! - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - To get your very own 'Silver Chopper Ben' statue go to: https://arcadiaeconomics.com/chopper-ben-landing-page/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

Your Money, Your Wealth
Deferred Comp, Roth Strategies, Asset Protection (and Gold) - 514

Your Money, Your Wealth

Play Episode Listen Later Jan 28, 2025 31:07


Mike and his wife in Tampa are 39 and 36, they've got nearly a million bucks saved. Are they on track for retirement? Kate in California is 55 and hopes to retire in the next couple of years. How should she manage deferred compensation and retirement withdrawals? That's today on Your Money, Your Wealth® podcast number 514 with Joe Anderson, CFP®, and Big Al Clopine, CPA. Plus, Joe and Big Al answer questions from our YouTube viewers on considering IRMAA when making Roth conversions, paying Roth conversion taxes quarterly or in December or in January, protecting a gifted house from a child's ex, and the tax impact of rebuilding on an inherited property. Finally, 8 years ago, Joe and Big Al said you shouldn't have more than 2% of your portfolio in gold and one YouTube viewer said that did not age too well. What do the fellas think today? We'll find out. Access free financial resources and the episode transcript: https://bit.ly/ymyw-514 LIMITED TIME OFFER: Download the Cruising Into Retirement Checklist and Guide by Friday January 31, 2025! WATCH How to Cruise Into Your Retirement on YMYW TV DOWNLOAD the Withdrawal Strategy Guide for free ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:56 - 39 & 36 With Nearly $1M. How Are We Doing? (Mike, Tampa, FL) 07:30 - Watch How to Cruise Into Your Retirement on YMYW TV, Download the Cruising Into Retirement Checklist and Guide by Friday, Jan. 31, 2025! 08:14 - Hoping to Retire in the Next Couple of Years. How Should I Manage Deferred Comp and Withdrawals? (Kate, CA, 55) 16:23 - Download the Withdrawal Strategy Guide for free 16:56 - Roth Conversions Prior to IRMAA for Alex in podcast 510? (Thomas, YouTube) 18:54 - How to Pay Roth Conversion Taxes Before Filing 2024 Taxes? (PoolMileThirty, YouTube) 21:39 - Paying Roth Conversion Tax in December vs. January (TacticalTruth, YouTube) 22:53 - How To Avoid Child's Ex Taking Half of Gifted House? (Emjay, YouTube) 23:53 - Will Kids Keep Stepped Up Basis If They Build New House on the Property? (Thaigera, YouTube) 27:53 - Gold Doesn't Grow? That Didn't Age Well (Eldon, YouTube comment) 29:39 - Outro: Next Week on the YMYW Podcast

NeuroNoodle Neurofeedback and Neuropsychology
Neurofeedback Podcast: Jay Gunkelman on Withdrawal & Anxiety

NeuroNoodle Neurofeedback and Neuropsychology

Play Episode Listen Later Jan 23, 2025 39:00


Join us for an insightful Neurofeedback Podcast episode featuring Jay Gunkelman, QEEGD, and Pete Jansons. This discussion covers how neurofeedback can help manage withdrawal symptoms, anxiety, and addiction recovery. Learn about the science behind EEG-based brain training and its role in mental health treatment.

Retire Right
Mastering Retirement Withdrawals: Expert Tips for Smart Distribution Planning [Ep. 169]

Retire Right

Play Episode Listen Later Jan 15, 2025 21:56


Do you know the smartest way to manage your withdrawals in retirement? In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, shares expert strategies for managing retirement withdrawals to ensure financial stability and tax efficiency.  Larry covers essential steps for building a smart distribution plan, emphasizing pre-retirement planning and proactive wealth … Read More Read More

Columbia Christian Church Sermons
John Davis – GIVING: Earthly Withdrawals, Heavenly Deposits

Columbia Christian Church Sermons

Play Episode Listen Later Jan 13, 2025 33:28


Preached on January 12, 2025 from Philippians 4:15-20. For more information about Columbia Christian Church, please visit our website: www.columbiachristian.org

The Retirement and IRA Show
Social Security, Inherited Roth IRAs, Inherited IRA RMDs, and Roth Withdrawals: Q&A 2502

The Retirement and IRA Show

Play Episode Listen Later Jan 11, 2025 81:51


Jim and Chris sit down to discuss Social Security, inherited Roth IRAs, an inherited IRA RMD case, and reporting Roth withdrawals. (12:45) The guys answer a question about earning enough Social Security credits while working overseas and how this impacts Medicare eligibility and spousal benefits. (22:45) Georgette asks whether taking a Child-in-Care benefit now will […] The post Social Security, Inherited Roth IRAs, Inherited IRA RMDs, and Roth Withdrawals: Q&A 2502 appeared first on The Retirement and IRA Show.

The Mind Of George Show
[R] Business is a Game of Withdrawals and Deposits

The Mind Of George Show

Play Episode Listen Later Dec 30, 2024 17:18


Welcome back, my friends! This episode is so good, we had to bring it back as a rerun.I'm diving into one of the most important pillars of business: customer journeys. We're talking about building meaningful relationships, mastering the art of reciprocity, and making sure every interaction with your audience creates trust and connection. It's not just about selling—it's about creating an experience that makes your customers want to stick around and bring others into your world.If this resonates with you, follow me on Instagram @itsgeorgebryant. Shoot me a DM if you want to talk about your customer journey or the Alliance. Now, let's get into it!Five Transformational TakeawaysDeposit First, Ask Later: Always provide value before making any requests. Focus on creating goodwill in your customer relationships.Design a Journey That Excites: Use the five steps—acknowledge, prepare, project, pre-handle, and excite—to keep customers engaged and reduce overwhelm.Balance Effort with Empathy: Remember, every “ask” you make is work for your customer. Balance your requests with moments that inspire and guide.Think Relationships, Not Transactions: Treat every interaction like a conversation. Build trust by showing up consistently with authentic communication.Audit and Adjust Regularly: Customer needs evolve. Continuously refine your customer journey to align with their goals and behaviors.Make sure to tag me when you share your thoughts on this episode, and let's keep building those epic customer experiences!–We weren't meant to do this alone… Whether it be business, relationships, or life. This is why this is an invitation for you…to join us inside the Relationships Beat Algorithms Alliance!!!Click here for a summary of the Alliance because if you're coming here into the show notes, there's a good chance you already know! ;)—We've made it easy to see George's top 10 book recommendations! Click here to find George's top 10 recommended books for mindset, customer journey, and relationships. —Questions or comments about the episode? I'd love to hear from you! Send me a DM over on Instagram @itsgeorgebryant or pop on over to our free Facebook community, Relationship Beat Algorithms. —Links not showing? Hop on over to our podcast blog, mindofgeorge.com/podcast for all the links from the show notes.—What do we talk about in this episode?00:00 The Importance of Customer Journey00:21 Common Pitfalls in Customer Journeys00:51 The Concept of Reciprocity in Business01:41 Designing Intentional Customer Journeys02:23 The Five Steps to Effective Customer Journeys03:19 Real-Life Application of the Five Steps04:46 Understanding Deposits and Withdrawals06:24 Case Study: Social Media Engagement07:28 The Role of Customer Journey in Business Success12:11 Email Marketing Strategies13:59 Event and Community Announcements16:09 Building Relationships Through Reciprocity

Financial Commute
Inherited an IRA? What To Know For 2025

Financial Commute

Play Episode Listen Later Dec 30, 2024 18:37


On this week's episode of THE FINANCIAL COMMUTE, host Chris Galeski welcomes Wealth Advisor Patrice Bening to discuss how to strategize distributions when inheriting IRAs, complexities introduced by Secure Act changes in 2020, and what to know for 2025.Here are some key takeaways from their conversation:- In 2020, Secure Act 2.0 made it so non-spouse beneficiaries must fully deplete inherited retirement accounts (traditional or Roth IRAs) within 10 years, instead of stretching distributions over their lifetimes.- Starting in 2025, individuals who inherited IRAs after January 1, 2020, must begin taking annual RMDs within the 10-year window.- Beneficiaries need to consider their income levels, tax brackets, and financial plans when deciding how much to withdraw annually to minimize taxes and maximize financial benefits.- Spouses have unique flexibility, such as rolling an inherited IRA into their own account to delay RMDs or treating it as an inherited IRA to access funds penalty-free.- Minors who inherit IRAs can use their life expectancy for withdrawals until turning 18, after which the 10-year rule applies. Withdrawals can impact eligibility for student aid or repayment plans.- Individuals aged 70.5 or older can make qualified charitable distributions (QCDs) directly from inherited IRAs to reduce taxable income while fulfilling RMD requirements.- Failing to take an RMD incurs a 25% penalty, which can be reduced to 10% if corrected within two years. Beneficiaries must stay on top of annual distribution requirements. 

The LA Report
No more charges on declined withdrawals in 2025, High surf sticks around Southern California, Updates on the “jailhouse snitch scandal” in Orange County – The P.M. Edition

The LA Report

Play Episode Listen Later Dec 27, 2024 7:09


A new California law will make declined withdrawals at ATMs a thing of the past. Another large swell moves into SoCal, causing serious waves. Jill Replogle reports on a case that could have major ramifications for the Orange County Justice system. Plus, more. Support The L.A. Report by donating at LAist.com/join and by visiting https://laist.com Support the show: https://laist.com

Influential Entrepreneurs with Mike Saunders, MBA
Interview with Mario G. Taffo, Federal Benefits Consultant on Navigating TSP Withdrawals and Tax Implications

Influential Entrepreneurs with Mike Saunders, MBA

Play Episode Listen Later Dec 23, 2024 22:30


Mario Taffo is a volunteer educator for The Institute for Financial Awareness, one of the fastest growing 501(c)(3) nonprofit organizations in the DC/Metro area.Mario is a widely sought out speaker. His most requested workshop/webinar topics are 10 Steps to Financial Freedom, Retirement Planning for Federal Employees and Estate Planning.Mario has been a member of the Greater Washington Hispanic Chamber of Commerce since 2009. He has provided financial educational support and resources to many embassies in Washington D.C., military bases, federal agencies, churches and other organizations. He also provides direct support to numerous HR departments at federal agencies in the DC/Metro area.Mario has presented hundreds of financial wellness and financial literacy workshops in the DC metropolitan area, as well as educational webinars to participants around the world.Mario has a MBA degree from the University of Central Florida and has been working in the financial services industry since 1996. Mario started his financial services career as a loan originator.Mario has experience in investments and banking, in addition to retirement planning. Mario is fluent in Spanish. His bi-lingual abilities have allowed him to help guide many civilians, active duty and in-service and retired federal employees through the complex steps of their retirement planning process.Thousands of individuals and small business owners have benefited from Mario's knowledge and expertise, but one of his greatest pleasures in life is to help his friends and family plan for retirement. As a father, Mario has personal experience planning for college and has helped countless families reach their college planning goals.In his free time Mario enjoys traveling, playing soccer, scuba diving and exercising. He is a loyal CrossFit enthusiast who can be found in his local gym every morning, competing with himself and pushing others to reach their full potential in the gym.Learn more: http://www.ifaonline.org/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mario-g-taffo-federal-benefits-consultant-on-navigating-tsp-withdrawals-and-tax-implications

Business Innovators Radio
Interview with Mario G. Taffo, Federal Benefits Consultant on Navigating TSP Withdrawals and Tax Implications

Business Innovators Radio

Play Episode Listen Later Dec 23, 2024 22:30


Mario Taffo is a volunteer educator for The Institute for Financial Awareness, one of the fastest growing 501(c)(3) nonprofit organizations in the DC/Metro area.Mario is a widely sought out speaker. His most requested workshop/webinar topics are 10 Steps to Financial Freedom, Retirement Planning for Federal Employees and Estate Planning.Mario has been a member of the Greater Washington Hispanic Chamber of Commerce since 2009. He has provided financial educational support and resources to many embassies in Washington D.C., military bases, federal agencies, churches and other organizations. He also provides direct support to numerous HR departments at federal agencies in the DC/Metro area.Mario has presented hundreds of financial wellness and financial literacy workshops in the DC metropolitan area, as well as educational webinars to participants around the world.Mario has a MBA degree from the University of Central Florida and has been working in the financial services industry since 1996. Mario started his financial services career as a loan originator.Mario has experience in investments and banking, in addition to retirement planning. Mario is fluent in Spanish. His bi-lingual abilities have allowed him to help guide many civilians, active duty and in-service and retired federal employees through the complex steps of their retirement planning process.Thousands of individuals and small business owners have benefited from Mario's knowledge and expertise, but one of his greatest pleasures in life is to help his friends and family plan for retirement. As a father, Mario has personal experience planning for college and has helped countless families reach their college planning goals.In his free time Mario enjoys traveling, playing soccer, scuba diving and exercising. He is a loyal CrossFit enthusiast who can be found in his local gym every morning, competing with himself and pushing others to reach their full potential in the gym.Learn more: http://www.ifaonline.org/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mario-g-taffo-federal-benefits-consultant-on-navigating-tsp-withdrawals-and-tax-implications

The Retirement and IRA Show
IRMAA, Spousal Benefits, IRA Withdrawals, QCDs, and Roth Contributions: Q&A #2450

The Retirement and IRA Show

Play Episode Listen Later Dec 14, 2024 59:35


Jim and Chris discuss listener questions relating to IRMAA, SS Spousal Benefits, IRA withdrawals, Qualified Charitable Donations, and Roth contributions. (6:45) A listener looks for assistance filling out form SSA-44 to have his IRMMA surcharge reevaluated. (24:15) George wonders if his wife claiming her Social Security benefits early will reduce her spousal benefit when he […] The post IRMAA, Spousal Benefits, IRA Withdrawals, QCDs, and Roth Contributions: Q&A #2450 appeared first on The Retirement and IRA Show.

Rabbit Hole Recap
BITCOIN STEADY AT $100K | RABBIT HOLE RECAP #335

Rabbit Hole Recap

Play Episode Listen Later Dec 13, 2024 116:20


- Marty vs Justin Sun Debate in Abu Dhabi https://x.com/Ten31vc/status/1866887123347140840 - Wasabi Vulnerability Disclosed https://www.nobsbitcoin.com/wabisabi-vulnerability-allows-malicious-coordinators-to-deanonymize-coinjoin-users/ - Disclosure: irrevocable fees—stealing from LN using revoked commitment transactions https://delvingbitcoin.org/t/disclosure-irrevocable-fees-stealing-from-ln-using-revoked-commitment-transactions/1314 - Full Disclosure: "Transaction-Relay Throughput Overflow Attacks against Off-Chain Protocols" https://groups.google.com/g/bitcoindev/c/GuS36ldye7s - OpenSats renews support for 9 Bitcoin projects https://opensats.org/blog/renewing-our-commitment-to-bitcoin - FinCEN appeals the Corporate Transparency Act ruling https://www.courtlistener.com/docket/68776545/35/texas-top-cop-shop-inc-v-garland/ - Czech Republic eliminates capital gains tax for bitcoin held over 3 years https://www.theblock.co/post/329788/czech-republic-scraps-capital-gains-tax-on-crypto-held-for-over-3-years - Digital Currency Group is splitting Foundry's mining business into two entities https://blockspace.media/insight/dcg-creates-new-company-fortitude-from-foundrys-self-mining-business/ - Strike Announces USDT Deposits and Withdrawals for Non US Customers https://strike.me/blog/announcing-usdt-deposits-and-withdrawals/ - Microsoft shareholders vote against Bitcoin treasury strategy https://view.officeapps.live.com/op/view.aspx?src=https://cdn-dynmedia-1.microsoft.com/is/content/microsoftcorp/2024_Proxy_Statement - Amazon shareholders pressure it to consider Bitcoin strategy https://atlas21.com/amazon-shareholders-propose-bitcoin-acquisition/ - Bitcoin ATM Operator Byte Federal Reports Data Breach Affecting 58,000 Users https://www.nobsbitcoin.com/bitcoin-atm-operator-byte-federal-reports-data-breach-affecting-58-000-users/ - Human Rights Foundation Story of the Week Vietnam | Social Media Platforms Censor Anti-State Content FinancialFreedomReport.org - BTCPay Server v2.0.4 https://www.nobsbitcoin.com/btcpay-server-v2-0-4/ - ZEUS Wallet v0.9.3: Improved Channels UI & More https://www.nobsbitcoin.com/zeus-v0-9-3/ - Core Lightning v24.11: https://www.nobsbitcoin.com/core-lightning-v24-11/ - Labelbase v2.2.3: https://www.nobsbitcoin.com/labelbase-v2-2-3/ - Bitcoin Keeper v1.3.0: https://www.nobsbitcoin.com/bitcoin-keeper-v1-3-0-desktop-v0-1-4/ - Ashigaru v1.1.0: https://www.nobsbitcoin.com/ashigaru-v1-1-0/ - SimpleX Chat v6.2.0: https://simplex.chat/blog/20241210-simplex-network-v6-2-servers-by-flux-business-chats.html - Zapstore v0.1.7: https://primal.net/e/note1ku69sl5ljd7005qn9nv2mcz09pdw3caee2rt0ljp8f59kpttmxcswvucey 0:00 - Intro 2:47 - “Abu Dabu” 18:17 - Dashboard 22:09 - WabiSabi coinjoin vulnerability 28:37 - LN disclosure 33:03 - Relay jamming disclosure 37:44 - OpenSats 39:19 - FinCEN 41:06 - Czech scraps crypto cap gains 42:41 - Graphical shenanigans 45:46 - DCG Fortitude 50:07 - Strike USDT 1:06:29 - Microsoft rejects bitcoin 1:13:41 - Amazon bitcoin proposal 1:18:09 - Byte Federal compromised 1:20:42 - HRF Story of the Week 1:25:09 - Blue checks vs OF 1:30:26 - AnchorWatch update 1:33:14 - Software updates 1:40:55 - Unchained Connections improvement 1:42:09 - Psyops and conferences 1:55:35 - We're gonna do so much winning Shoutout to our sponsors: Unchained https://unchained.com/concierge/ Stakwork https://stakwork.ai/ TFTC Merch is Available: Shop Now https://merch.tftc.io/ Join the TFTC Movement: Main YT Channel https://www.youtube.com/c/TFTC21/videos Clips YT Channel https://www.youtube.com/channel/UCUQcW3jxfQfEUS8kqR5pJtQ Website https://tftc.io/ Twitter https://twitter.com/tftc21 Instagram https://www.instagram.com/tftc.io/ Follow Marty Bent: Twitter https://twitter.com/martybent Newsletter https://tftc.io/martys-bent/ Podcast https://tftc.io/podcasts/ Follow Odell: Nostr https://primal.net/odell Newsletter https://discreetlog.com/ Podcast https://citadeldispatch.com/

Plan Your Federal Retirement Podcast
TSP to Roth IRA: What Federal Employees Need to Know

Plan Your Federal Retirement Podcast

Play Episode Listen Later Dec 11, 2024 4:50 Transcription Available


I'm 60 years old with 36 years of service. I called the TSP help line and asked if I could roll over money from the traditional TSP directly to a Roth IRA I have at Fidelity. They said yes. And, sure enough, when you go on the tsp.gov website and click through Withdrawals and "Roll Over an Amount to an IRA" "Roth IRA" is one of the three choices for a destination. So, is it true you no longer have to do the two step process of going to an IRA and then from there roll over to the Roth? If so, what is the "gotcha," because that seems way too easy? As you click through further, there is no federal tax withholding done by the TSP, so the whole amount goes to the Roth. Meaning, you're on your own for paying the taxes. It would be costly in the short term but potentially save a ton of taxes in the distant future. - Douglas    https://zurl.co/plXz

Circle Jerks Podcast
Ep.184 Racing Withdrawals

Circle Jerks Podcast

Play Episode Listen Later Dec 10, 2024 154:14


This week, the boys are back in the studio and back on YouTube to discuss their off-season shenanigans, break some of the silly season news, and yap about some of the highs and lows of the 2024 NASCAR season. They also look ahead to some 2025 possibilities.  https://shop.revivalmotoring.com/

Football Daily
England without key withdrawals for Carsley's final camp

Football Daily

Play Episode Listen Later Nov 13, 2024 32:36


BBC Radio 5 Live Football Correspondent John Murray is joined by former England and Everton midfielder Leon Osman and BBC Sport's Senior Football News Reporter Alex Howell.They discuss England's upcoming Nations League games against Greece and the Republic of Ireland, hearing from interim boss Lee Carsley, Newcastle winger Anthony Gordon and Liverpool midfielder Curtis Jones.The panel respond to comments by England captain Harry Kane, who has expressed his unhappiness at the number of withdrawals from the latest squad.Timecodes:Harry Kane's comments Lee Carsley Anthony Gordon Curtis JonesBBC Sounds / 5 Live commentaries this week:Greece v England – UEFA Nations League – 19:45 – Thursday 14 November Scotland v Croatia – UEFA Nations League – 19:45 – Friday 15 November Tottenham v Arsenal – Women's Super League – 13:45 – Saturday 16 November England v Republic of Ireland – UEFA Nations League – 17:00 – Sunday 17 November Wales v Iceland - UEFA Nations League – 19:45 – Tuesday 19 November