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If you earn too much to contribute directly to a Roth IRA, a backdoor Roth IRA might seem like the perfect workaround. But before you jump in, there are two critical considerations you need to be awa…

If you earn too much…

If you earn too much to contribute directly to a Roth IRA, a backdoor Roth IRA might seem like the perfect workaround. But before you jump in, there are two critical considerations you need to be aware of.1. Pro-Rata Rule: This rule may impact how much of your Roth conversion gets taxed. If you don't account for it, you may receive an unexpected tax bill.2. Record-Keeping: Keep detailed records and file the appropriate tax forms to avoid overpaying in taxes.Is a backdoor Roth conversion the right strategy for you? The answer is it depends.Consult with a financial or tax profession…

Retirement planning is not solely about accumulating wealth; it requires a clear understanding of how much you can sustainably spend each year.Knowing your retirement *number* determines the qualit…

Retirement planning …

Retirement planning is not solely about accumulating wealth; it requires a clear understanding of how much you can sustainably spend each year.Knowing your retirement *number* determines the quality of your retirement. It is the key to making confident decisions and enjoying the life you’ve worked hard for. Imagine taking that dream vacation or giving meaningful gifts to loved ones, all without second-guessing your finances.However, many risk overestimating this number by relying on overly optimistic assumptions.In this video, Lena explains why knowing your *number* is crucial and how…

Part D Might Be the MOST Important Part of Medicare    To Toni King, the CORNERSTONE of Medicare planning is discussing Medicare Part D. In this Medicare Moments BONUS episode, Toni discusses why …

Part D Might Be the …

Part D Might Be the MOST Important Part of Medicare    To Toni King, the CORNERSTONE of Medicare planning is discussing Medicare Part D. In this Medicare Moments BONUS episode, Toni discusses why it’s so important to search for what is the most cost-effective Part D plan that covers all of your prescriptions. Did you know that if a prescription is not covered, whether generic or brand-name, then you will have to pay 100% out of pocket? Learn more by listening to the episode now!   Subscribe to Medicare Moments: Apple Podcasts: https://apple.co/44MoguG Spotify: https://open.spotify.c…

Thanks for listening to the Senior Resource Podcast Network! This bonus episode is from Answers for Elders. If you like what you hear, visit the links to follow the podcast on your favorite listening …

Thanks for listening…

Thanks for listening to the Senior Resource Podcast Network! This bonus episode is from Answers for Elders. If you like what you hear, visit the links to follow the podcast on your favorite listening platform. Suzanne is joined by Dr. Paul Winner, the Senior Director of the Premiere Research Institute and Attending Neurologist at Palm Beach Neurology in West Palm Beach, Florida. Dr. Winner addresses various Lifestyle changes to help avoid developing dementia. He says, “There are risk actors. You want to avoid this as best you can. You don't want this to happen, even if you're predisposed ge…

Are you and your spouse wondering how to get the most out of your Social Security benefits? The optimal strategy can make a big difference in your monthly retirement income.To learn more about soci…

Are you and your spo…

Are you and your spouse wondering how to get the most out of your social Security benefits? The optimal strategy can make a big difference in your monthly retirement income.To learn more about social security optimization and retirement planning, visit www.sensibleportfolios.com Don't forget to subscribe to my channel, where I help real people like you navigate the complexities of retirement and investing. @therealpeopleadvisor#retirementincome #retirment #socialsecurity #spousalbenefit

None of us can afford to overlook the essential aspects that can completely derail our financial goals.So, ask yourself this: How am I managing risk? Am I prepared for the unexpected things that can…

None of us can affor…

None of us can afford to overlook the essential aspects that can completely derail our financial goals.So, ask yourself this: How am I managing risk? Am I prepared for the unexpected things that can shake my financial stability at its core?Building a foundation to manage risk starts with having adequate emergency savings and insurance coverage. It means taking the necessary steps for appropriate estate planning as well.Don't rush to optimize your investments until you've got these BIG things right. Take care of the fundamentals.⏰ TIMESTAMPS0:17: Intro to Risk Management 0:38: Emer…

Whether you're a pre-retiree or a young investor navigating the confusing world of savings vs. investing, this video is for you! Join me, Lena Armuth, the Real People Advisor, as I share examples of t…

Whether you're a pre…

Whether you're a pre-retiree or a young investor navigating the confusing world of savings vs. investing, this video is for you! Join me, Lena Armuth, the Real People Advisor, as I share examples of the worst places to save your Money and why.I'll guide you towards smarter alternatives for long-term savings and short-term goals.Have a burning question? Drop a comment, I’d love to hear from you.⏰ TIMESTAMPS0:23: Keeping Cash Under the Mattress 1:22: Traditional Savings Accounts Won’t Help You Build Wealth 1:50: Short-Term Savings Don’t Belong in the Stock Market 2:43: The Fiv…

The golden rule of investing? Don't risk money you can't afford to lose!Short-term savings and the stock market don't mix well. Learn how the 5 Year Test can protect your savings.💪💼 #Inves…

The golden rule of i…

The golden rule of investing? Don't risk money you can't afford to lose!Short-term savings and the stock market don't mix well. Learn how the 5 Year Test can protect your savings.💪💼 #InvestingTips #ShortTermSavings #financialwisdomSubscribe to my channel for more informative videos that empower real people like you: ▶️ @therealpeopleadvisorJoin a community of like-minded, everyday investors and learn more about our sensible approach at: ▶️ www.sensibleportfolios.comConnect with me: LinkedIn ▶️ https://www.linkedin.com/in/lenaarmuth/ Instagram ▶️ https:…

Don't know where to begin with your budgeting journey? Lena teaches you how to create a budget that you can actually stick to in this episode. Topics covered: Reluctance to budget  Overcome th…

Don't know where to …

Don't know where to begin with your budgeting journey? Lena teaches you how to create a budget that you can actually stick to in this episode. Topics covered: Reluctance to budget  Overcome the challenges of budgeting  Budgeting strategies that work: 50/20/30 & Zero-based budget Other benchmarks to measure success Need a budgeting app? A list of best budgeting apps. Listen to all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramConsult with a low-fee financial advisor today! Book a call: ▶️ www.sensibleportf…

Don't know where to begin with your budgeting journey? Lena teaches you how to create a budget that you can actually stick to in this episode. Topics covered: Reluctance to budget  Overcome th…

Don't know where to …

Don't know where to begin with your budgeting journey? Lena teaches you how to create a budget that you can actually stick to in this episode. Topics covered: Reluctance to budget  Overcome the challenges of budgeting  Budgeting strategies that work: 50/20/30 & Zero-based budget Other benchmarks to measure success Need a budgeting app? A list of best budgeting apps. Listen to all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramConsult with a low-fee financial advisor today! Book a call: ▶️ www.sensiblep…

Do you know what you don't know? When it comes to investing, misconceptions can hold you back and hinder your financial success. In this video I uncover the truth behind common investing myths for ret…

Do you know what you…

Do you know what you don't know? When it comes to investing, misconceptions can hold you back and hinder your financial success. In this video I uncover the truth behind common investing myths for retirees.Get ready to enhance your investment knowledge and increase your chances of meeting your retirement goals!Don't fall for these retirement misconceptions!⏰ TIMESTAMPS 0:37: Social Security isn't enough 1:03: It is never too late 1:36: What can you do if you haven't saved enough for retirement 1:48: Risk alignment is crucial for your success 2:25: Taxes matter in retirement 2:48: Qua…

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years. T…

Lena discusses the i…

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years. Topics covered: Benefits of a simple investment portfolio Why older investors should assign a trusted contact personCheck out all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramCreate your retirement portfolio strategy today. Consult with Lena:  ▶️ www.sensibleportfolios.com   See omnystudio.com/listener for privac…

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years. T…

Lena discusses the i…

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years. Topics covered: Benefits of a simple investment portfolio Why older investors should assign a trusted contact personCheck out all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramCreate your retirement portfolio strategy today. Consult with Lena:  ▶️ www.sensibleportfolios.com   See omnystudio.com/listener for privac…

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years. T…

Lena discusses the i…

Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years. Topics covered: Benefits of a simple investment portfolio Why older investors should assign a trusted contact personCheck out all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramCreate your retirement portfolio strategy today. Consult with Lena:  ▶️ www.sensibleportfolios.com   See omnystudio.com/listener for privac…

Are you curious about how Steve Jobs would design an investment portfolio?Steve Jobs tells us that design isn't about what something looks like, but how something works. Let's discuss the benefits …

Are you curious abou…

Are you curious about how Steve Jobs would design an investment portfolio?Steve Jobs tells us that design isn't about what something looks like, but how something works. Let's discuss the benefits of a simple approach to designing an effective investment portfolio.⏰ TIMESTAMPS 0:15: Steve Jobs Designing the iPhone 0:43: How Good Design Translates to Investing 1:19: Why Less Might Be More in Your Portfolio 1:45: WARNING: Financial Advisors Can Create Complexity On Purpose 2:05: What a Complicated Portfolio Looks LikeReach out to learn more about our wealth management services. Book a…

In this episode of Retirement for Real, Lena reveals which college savings tool is best to maximize college savings for your family.  Your Questions Answered: How do 529 college savings plans w…

In this episode of R…

In this episode of Retirement for Real, Lena reveals which college savings tool is best to maximize college savings for your family.  Your Questions Answered: How do 529 college savings plans work?  Prepaid tuition plan or 529 savings plan? Which 529 savings plan is the best? Which 529 savings plan is the worst?Check out all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramConsult with a low-fee financial advisor today! Book a call: ▶️ www.sensibleportfolios.com     See omnystudio.com/listener for privacy …

Looking for a trusted financial advisor to manage your money? In this podcast episode, Lena offers a guide to choosing the right financial advisor for you. Topics covered: Different types of fin…

Looking for a truste…

Looking for a trusted financial advisor to manage your money? In this podcast episode, Lena offers a guide to choosing the right financial advisor for you. Topics covered: Different types of financial advisors: National, Regional and Digital advisorsFee-only vs. fee-based financial advisors Low fees matter to 99% of investors Check out all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramContact Lena at Sensible Portfolios today! ▶️ www.sensibleportfolios.com  See omnystudio.com/listener for privacy i…

While investing can be simple, it is certainly not easy. Know the four common investing mistakes and the recommendations to avoid them.  Topics covered: Don't make investing complicated Ignore…

While investing can …

While investing can be simple, it is certainly not easy. Know the four common investing mistakes and the recommendations to avoid them.  Topics covered: Don't make investing complicated Ignore the financial media  Have an investment plan that works Pay attention to investment feesUse this calculator to learn how much of your investment return you actually keep.  Check out all of our podcast episodes and more on our YouTube channel! Connect with us: Linkedin Facebook InstagramNeed help with your investment planning? Book a call with Lena today:  ▶️ www.sensib…