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Are you confident your retirement income will last no matter how long you live? In this episode, Hans Scheil and Tom Griffith walk through the complete income and investment plan they built for Tom a…

Are you confident yo…

Are you confident your retirement income will last no matter how long you live? In this episode, Hans Scheil and Tom Griffith walk through the complete income and investment plan they built for Tom and Susan, a real couple retiring in 2026. You will see the exact process used to answer the question every retiree is really asking: do I have enough, and will it last? You will discover why building your income plan from the bottom up gives you a clearer picture than the popular 4% rule. You will learn how two strategically timed annuities guaranteed Tom and Susan an additional $6,000 a month for…

When people hear about the tax benefits of a Roth conversion, they often think it’s the ultimate, all-in-one retirement strategy. But is a Roth conversion your whole plan? While converting tax-defe…

When people hear abo…

When people hear about the tax benefits of a Roth conversion, they often think it’s the ultimate, all-in-one retirement strategy. But is a Roth conversion your whole plan? While converting tax-deferred assets into a tax-free vehicle can be a powerful wealth management tool, a truly secure retirement requires a much broader focus. A single strategy cannot address the complexities of your long-term financial future. A comprehensive financial plan shouldn't just look at one piece of the puzzle. Instead, it must systematically evaluate and integrate several core pillars of financial Health to …

Are you planning a Roth conversion to save on future retirement taxes? Make sure you don't accidentally spike your Medicare premiums in the process. Roth conversions are an incredibly popular strateg…

Are you planning a R…

Are you planning a Roth conversion to save on future retirement taxes? Make sure you don't accidentally spike your Medicare premiums in the process. Roth conversions are an incredibly popular strategy for tax planning, allowing you to move tax-deferred funds into a tax-free vehicle. However, doing too much at once can trigger a hidden financial trap: the Income-Related Monthly Adjustment Amount (IRMAA). Because a Roth conversion counts as taxable income, pushing your income past specific IRS thresholds can significantly increase what you pay for Medicare Part B and Part D premiums. To maximi…

Are you planning a Roth conversion to save on future retirement taxes? Make sure you don't accidentally spike your Medicare premiums in the process. Roth conversions are an incredibly popular strateg…

Are you planning a R…

Are you planning a Roth conversion to save on future retirement taxes? Make sure you don't accidentally spike your Medicare premiums in the process. Roth conversions are an incredibly popular strategy for tax planning, allowing you to move tax-deferred funds into a tax-free vehicle. However, doing too much at once can trigger a hidden financial trap: the Income-Related Monthly Adjustment Amount (IRMAA). Because a Roth conversion counts as taxable income, pushing your income past specific IRS thresholds can significantly increase what you pay for Medicare Part B and Part D premiums. To maximi…

The rules around Required Minimum Distributions (RMDs) have changed multiple times, leaving many retirees wondering: What is my actual RMD age? Is it 73 or 75? If you have a tax-deferred account like…

The rules around Req…

The rules around Required Minimum Distributions (RMDs) have changed multiple times, leaving many retirees wondering: What is my actual RMD age? Is it 73 or 75? If you have a tax-deferred account like a Traditional IRA or 401(k), the IRS requires you to start taking withdrawals at a specific age. While the RMD age used to be 70½, then 72, recent legislation has updated the timeline based on your year of birth. To help clear up the confusion and simplify your Retirement Planning, here is the exact breakdown of the current RMD rules. How to Find Your RMD Age: - Born in 1959 or Earlier: Your R…

Think tax planning should be your first priority in retirement? Think again. Focusing entirely on Roth conversions and QCDs before mapping out your core income needs is a critical mistake that could l…

Think tax planning s…

Think tax planning should be your first priority in retirement? Think again. Focusing entirely on Roth conversions and QCDs before mapping out your core income needs is a critical mistake that could leave you cash-poor. When preparing for retirement, it's easy to get hyper-focused on reducing tax liabilities. However, a successful retirement strategy always begins with cash flow. You must first determine your actual income needs and look at how you will fund your Lifestyle. If a large portion of your savings is tied up in Traditional IRAs or 401(k)s, the Money you withdraw to live on may nat…

Do you have an IRA or 401(k) strategy for retirement? If you don't make a plan for your tax-deferred savings, the government will make one for you—and it won't be in your favor. Most Americans reac…

Do you have an IRA o…

Do you have an IRA or 401(k) strategy for retirement? If you don't make a plan for your tax-deferred savings, the government will make one for you—and it won't be in your favor. Most Americans reach retirement with the majority of their savings sitting in tax-deferred accounts like Traditional IRAs and 401(k)s. While you saved on taxes on the way in, you face a massive tax burden when it’s time to take that money out. Without a strategic withdrawal plan, a significant portion of your hard-earned wealth could be lost to Uncle Sam. To maximize your retirement income and minimize your tax l…

Do you know your exact RMD age — 73 or 75 — and what happens if you wait too long to find out? This video covers required minimum distributions (RMDs), qualified charitable distributions (QCDs), …

Do you know your exa…

Do you know your exact RMD age — 73 or 75 — and what happens if you wait too long to find out? This video covers required minimum distributions (RMDs), qualified charitable distributions (QCDs), and Roth conversion strategy for retirees, using a real financial plan example for a couple, Tom and Susan. Topics include: RMD age rules based on birth year, avoiding the two-RMDs-in-one-year mistake, how QCDs satisfy RMDs while giving to charity tax-free, and how to plan Roth conversions to avoid IRMAA (Medicare surcharges) and reduce taxes for heirs. 0:00 – Introduction to Tom and Susan's Fi…

What is the real reason people choose to get a long-term care plan? Many couples initially push off the conversation, claiming they are "self-insured." However, true insurance spreads risk a…

What is the real rea…

What is the real reason people choose to get a long-term care plan? Many couples initially push off the conversation, claiming they are "self-insured." However, true insurance spreads risk across a large group, whereas "self-funded" simply means using your own hard-earned savings to foot the bill. In this video, we dive into a real-world shift that many families experience. For couples like Tom and Susan, their perspective completely changed when Susan's mother required unexpected care. Seeing firsthand the massive disruption and Caregiving toll it took on the Family made …

What does it actually cost to pay for long-term care out of your pocket? Many retirees plan to "self-fund" their future medical or assisted living costs using their savings. However, most pe…

What does it actuall…

What does it actually cost to pay for long-term care out of your pocket? Many retirees plan to "self-fund" their future medical or assisted living costs using their savings. However, most people don't consider the severe tax consequences of withdrawing large sums from a traditional IRA or 401(k) all at once. In this video, we break down the reality of self-funding long-term care. If your care costs $10,000 a month, you can't just take out $10,000. Because of income taxes, you may actually need to withdraw $16,000 to $18,000 a month from your IRA to cover that single bill. This accel…