Afleveringen
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Ryan Herbert explains the concept of the Santa Claus rally, a phenomenon where stock markets typically see a rise during the end-of-year holiday season. However, he cautions against getting too excited about these short-term gains, especially for those managing significant investments.
Ryan discusses the importance of having a solid, long-term financial plan that accounts for market volatility and potential downturns, rather than chasing small percentage gains that might not justify the risk. Using examples from recent market behaviors and economic uncertainties, he emphasizes the need for prudent decision-making and the dangers of impulsive investments.
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Imagine growing your wealth tax-free and leaving a legacy for your loved ones. In this episode, Mike Canet delves into the benefits of using life insurance policies as a tax-efficient investment tool, contrasting it with traditional 401(k) plans. By investing in life insurance, you can potentially achieve a higher rate of return without the burden of taxes, both when contributing and withdrawing.
Mike emphasizes the importance of balancing today's needs with future planning, ensuring financial advantages for both you and your heirs. Additionally, this episode touches on the current political landscape and its impact on federal spending, urging listeners to make informed decisions about their finances. Join the conversation to learn how to navigate the Secure Act 2.0 and optimize your financial strategy.
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Ever wondered if the 4% rule is truly a reliable strategy for your retirement? In this episode, Mike & Ryan delve into the intricacies of this popular financial guideline and explore its real-world implications. Discover why sticking strictly to the 4% rule could lead to unexpected financial pitfalls, especially when factoring in additional expenses like nursing home care.
Mike & Ryan also discuss the importance of a holistic approach to financial planning, where risk management, tax implications, and long-term care are all carefully balanced.
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Are you ready to dive into the golden era of soft rock? In this episode, Mike and Ryan explore the enduring legacy of Yacht Rock, featuring timeless artists like Michael McDonald and the Doobie Brothers. Journey through anecdotes from backstage interviews and memorable concerts, as these musical legends continue to perform with passion and energy well into their 70s. Discover how the spirit of rock and roll keeps these artists young at heart while they navigate their unique paths in retirement.
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Are federal employees working longer than they need to? Are they working for “free” and not realizing it? Katherine Groce and Sam Nash discuss the benefits federal workers need to understand when they are saving and planning for retirement. They also share a story regarding a husband that unknowingly left his wife unprotected when choosing between his pension options.
Katherine and Sam also discuss common pitfalls and concerns people have when they are making the transition into retirement.
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Ryan discusses the current low tax rates due to the Trump tax cuts and the impending expiration of these rates. He emphasizes the importance of considering Roth conversions as a strategy to mitigate future tax liabilities. The discussion also highlights the necessity of having a tax plan in place for retirement, drawing comparisons to how wealthy individuals manage their taxes effectively.
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Mike delves into the recent surge in Roth conversions, exploring the reasons behind this trend and the importance of tailored tax strategies. He emphasizes the need for effective tax planning, highlighting that it is not a one-time event but an ongoing process. The discussion also touches on the significance of understanding individual financial situations to make informed decisions about tax efficiency and wealth preservation.
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Ryan provides insights into preparing for a first appointment, the importance of understanding the financial planning process, and the mindset needed for retirement planning. He also shares the significance of having a plan for life when entering retirement.
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Mike discusses the implications of more interest rate cuts by the Fed, the impact of upcoming elections on economic stability, and strategies for investing amidst market volatility. He highlights the importance of understanding the broader economic landscape and making informed financial decisions, particularly in light of potential chaos surrounding the elections and the debt ceiling.
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Mike delves into the upcoming expiration of the Trump tax cuts and the implications for taxpayers, particularly regarding estate taxes and 401k contributions. He emphasizes the importance of proactive tax planning and the need for individuals to understand their financial situations to avoid significant tax burdens in the future.
Mike highlights strategies for maximizing retirement savings and the necessity of diversifying tax strategies to ensure financial security.
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Ryan focuses on the future of Social Security, the potential for significant cuts in benefits, and the importance of having a solid retirement plan. He also discusses the political implications surrounding Social Security and emphasizes the need for individuals to take proactive steps in their financial planning, including the use of annuities to secure income in retirement.
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Ryan & Lawrence discuss their journeys to becoming financial advisors, sharing personal stories and insights into the importance of financial planning. Lawrence reflects on his background and motivation to help others, while Ryan shares his unexpected path from marine biology to finance. They emphasize the significance of choosing an independent and fiduciary advisor for personalized financial guidance.
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Ryan discusses the often-overlooked fees associated with 401k plans and provides actionable strategies for lowering these costs. He emphasizes the importance of understanding the fees you are paying, reviewing your investment options, and seeking independent financial advice to ensure you are not overpaying for your retirement savings.
The conversation highlights the need for financial literacy and proactive management of retirement funds to maximize savings and investment returns.
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Mike and Ryan discuss the fundamentals of 401(k) plans, emphasizing their importance in retirement planning. They explain how these employer-sponsored retirement accounts work, the significance of employer matching contributions, and the necessity of understanding fees and investment options.
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A recent study found that 1 in 5 Americans over 65 are still working, not because they want to, but because they have to. Mike and Ryan emphasize the importance of having a comprehensive retirement plan that provides the freedom to choose whether to continue working or not. They discuss the lack of proper advice and guidance that leads to people running out of money and being forced to go back to work.
Mike and Ryan also highlight the need for a plan that ensures a steady income stream in retirement and the option to transfer the risk of running out of money to insurance companies. They challenge listeners to find an investment vehicle that guarantees never running out of money without involving insurance.
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Mike and Ryan highlight the benefits of tax planning, such as minimizing tax liabilities and maximizing personal wealth. They also explain the difference between a tax preparer and a tax planner, with the latter providing proactive advice and strategies to optimize tax outcomes.
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Mike discusses tax planning and retirement savings rules that have recently changed, including the elimination of required minimum distributions (RMDs) from Roth 401(k) plans and the reduction of penalties for missed RMDs.
The discussion also touches on the importance of tax planning and maximizing the benefits of 401(k)s and IRAs. The conversation concludes with a mention of catch-up contributions for high earners and alternative solutions for tax-savvy individuals.
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Ryan discusses how to navigate market volatility and protect your retirement savings. He emphasizes the importance of having a solid financial plan that includes income streams and protection against market downturns.
Ryan also explains the role of emotions in investing and how having a plan can help minimize emotional reactions. The conversation touches on the use of annuities for income generation and the importance of tax planning in retirement.
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Ryan discusses the timing of doing a Roth conversion and explores the options of doing one during a market downturn. He highlights the potential tax savings that can be achieved through strategic Roth conversions.
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Saving for retirement is important, but it's crucial to consider the tax implications of required minimum distributions (RMDs). Many people are unaware that they must take money out of their retirement accounts at a certain age, regardless of whether they need it or not. This can result in a significant tax burden.
Mike and Ryan discuss how financial advisors often neglect to discuss taxes with their clients, as their focus is on accumulating assets. However, proper tax planning can lead to substantial savings and a more tax-efficient inheritance for future generations. Taking advantage of Roth conversions and other tax strategies before the 2026 sunset provision is crucial.
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