Podcast
America's Wealth Management Show
Hosted by America's Wealth Management Show · EN
Modern Wealth Management presents America's Wealth Management Show with Dean Barber. Dean and his guests, America's leaders in the financial industry, have made it their missions to show everyone how to grow, keep, and leave their money. Since 2003, America's Wealth Management Show has informed and educated retirees and those nearing retirement on what life is like after your working career ends.
Investment advisory services offered through Modern Wealth Management, LLC, an SEC Registered Investment Adviser.
32episodes
Episodes
Newest firstAll episodes
5 Retirement Milestones To Do Before 50
2w ago00:36:56Tap to summarizeGet your Modern Confidence Score: https://bit.ly/4fSPzdD Meet with us: https://bit.ly/4w6hdtx Education center: https://bit.ly/3RMjJr1 33% of workers have more credit card debt than retirement savings. Discover the 4 critical financial milestones to hit before turning age 50. Video Chapters: 0:00 - Introduction: 33% of workers have more credit card debt than retirement savings? 1:14 - Welcome to America's Wealth Management Show 2:18 - Milestone 1: Build a Retirement Savings Foundation 7:12 - Milestone 2: Eliminate High Interest Debt 12:06 - Milestone 3: Establish an Emergency Fund 13:01 - Milestone 4: Create a Comprehensive Investment Strategy 17:38 - Milestone 5: Develop a Clear Retirement Income Plan. 22:20 - Hosts Discuss Video: 3 Problems With Retiring Early by @HowToRetire 33:30 - Hosts discuss mindset shifts in retirement from r/retirement subreddit Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw Sources: https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire https://youtube.com/shorts/W2YrEpReHro?si=6nwjysaynlKxHeZi https://fred.stlouisfed.org/series/TERMCBCCALLNS https://www.schroders.com/en-us/us/institutional/media-center/to-retire-comfortably-plan-participants-say-they-need-1-2-million/ https://www.reddit.com/r/retirement/comments/1udx5t5/seems_like_a_blessed_life_but_its_just_tuesday/ ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →5 Tax Strategies for Individuals with $2 Million or More
3w ago00:40:57Tap to summarizeGet your Modern Confidence Score: https://bit.ly/4ftOUAs Meet with us: https://bit.ly/4fuisOf Education center: https://bit.ly/4wtIBCJ Crossing the $2 million portfolio threshold may need shifting from simple saving to strategic tax engineering. Learn 5 advanced strategies to protect your wealth. Video Chapters: 0:00 - How do I protect my $2 million portfolio from unexpected taxes? Intro to high-net-worth coordination. 4:46 - Strategy 1: How do I use a Donor-Advised Fund to exceed the $35,000 standard deduction? 16:00 - Strategy 2: How do I qualify for a 0% capital gains rate on $150,000 of income? Harvesting gains in low-income years. Subscribe to Modern Wealth Management for more educational content: 24:40 - Strategy 3: How do I use the $19,000 gift exemption to transfer wealth with warm hands? Lifetime family transfers 31:16 - Strategy 4: How do I smooth my income brackets with strategic Roth conversions? Flattening income tax valleys. 32:38 - Strategy 5: How do I manage taxes during a business sale or RSU stock vesting? Executing equity compensation liquidations. 35:35 - How Marty James used in-kind CRT distributions to avoid capital gains. 39:13 - Questions from viewers: Can I withdraw converted Roth IRA funds immediately without a penalty? and How do I stress-test my plan against a market crash and Social Security cuts? Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw Sources: https://www.modwm.com/2026-tax-brackets/ www.irs.gov/businesses/small-businesses-self-employed/whats-new-estate-and-gift-tax https://www.modwm.com/trump-accounts/ ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →Retirement Planning Tips for the Sandwich Generation
4w ago00:38:20Tap to summarizeLearn about preparing for retirement while caring for children and aging parents also known as: 'life in the sandwich generation' in today's episode! Get your Modern Confidence Score: https://bit.ly/3RbdvAJ Meet with us: https://bit.ly/4vOY3bD Education center: https://bit.ly/4fh2QxE Video Chapters: 0:00 - How do I support my aging mom and adult daughter at the same time? Dean Barber introduces the Sandwich Generation juggling act. 1:57 - What does the MIT Age Lab study reveal about human longevity trends? Discussing the 8,000-day life blocks. 05:17 - Where do retirees pull their monthly income from? Analyzing Social Security, savings, and pension metrics. 07:08 - How do healthcare costs impact my retirement savings? Factoring medical inflation into your plan. 20:23 - What is a Family Assistance Budget and how does it prevent retirement problems? 22:32 - Reaction Video: John Diel explains the 3 MIT questions that predict quality of life. Light bulbs, ice cream, and lunch partners. 31:52 - 3 Mistakes to avoid for the sandwich generation. Subscribe to Modern Wealth Management for more educational content: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=CKPA7Zm1KoiJv4NB https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0 https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP Sources: https://agelab.mit.edu/static/uploads/three_questions_that_can_predict_future_quality_of_life.pdf https://youtu.be/eBYkoJ6DMGU?si=qOcQTuxJZ4rkLS3Q https://www.pewresearch.org/short-reads/2022/04/08/more-than-half-of-americans-in-their-40s-are-sandwiched-between-an-aging-parent-and-their-own-children/ https://www.bankerslife.com/insights/personal-finance/navigating-financial-caregiving-and-the-sandwich-generation-7-smart-strategies-for-2026/ https://www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years/ https://youtu.be/eBYkoJ6DMGU ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →What If Inflation Rises When I'm Retired? 2026 Edition
Jul 1600:34:09Tap to summarizeMay inflation hit a 3-year high of 4.2% due to Middle East energy shocks. Learn how a dynamic bucket approach protects your wealth from a portfolio purge. Get your Modern Confidence Score: https://bit.ly/4yj5avj Meet with us: https://bit.ly/4ythtW8 Education center: https://bit.ly/4f3S51t Video Chapters: 0:00 - Is moving my retirement into a 3% savings account a safe move? 1:33 - Why did May inflation spike to a 3-year high of 4.2%? Breaking down the latest BLS consumer price data. 03:30 - Is the 2026 inflation bump a temporary world event or a 1970s-style collapse? Separating short-term shocks from structural trends. 05:51 - Should you use 2.5% inflation when retirement planning? Exposing flawed assumptions. 18:42 - Reaction Video: 21:14 - How do I use a 3-bucket strategy for retirement? 26:44 - Don't Do That: Why you shouldn't make financial decisions out of fear. Check out our other videos: https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0 https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP Sources: • Bureau of Labor Statistics. (2026, June 10). Consumer Price Index – May 2026. U.S. Department of Labor. https://www.bls.gov/news.release/cpi.nr0.htm • CBS News. (2026, June 10). Rate rises to 4.2% amid Iran war pressure. CBS Interactive. https://www.cbsnews.com/news/cpi-report-today-may-2026-inflation-iran-war-trump/ • https://www.pbs.org/newshour/show/hormuz-standoff-the-largest-supply-shock-ever-experienced-says-global-energy-expert • https://www.cbsnews.com/news/cpi-report-today-may-2026-inflation-iran-war-trump/ • https://officialdata.org/inflation-cpi-categories#All-items|Medical-care • https://www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years/ • https://fred.stlouisfed.org/series/MSPUS • https://youtu.be/YP5nXSKWDd0 https://www.youtube.com/shorts/WUkMbBtlHRk ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →The Impact of the One Big Beautiful Bill on Your Retirement: 1 Year Later
Jul 900:33:00Tap to summarizeThe One Big Beautiful Bill Act changed our tax brackets. Learn how to navigate the new rules and protect your retirement from hidden tax traps. Get your Modern Confidence Score: https://bit.ly/4wst8Cx Meet with us: https://bit.ly/3RnQSsM Education center: https://bit.ly/3SR4FZg Video Chapters: • 0:00 - What is the difference between tax planning and tax preparation? • 3:45 – How will my taxes change once I stop working and retire? • 04:52 - What is the One Big Beautiful Bill Act? • 10:26 - How do I claim the new $6,000 Senior Deduction after age 65? Income rules for single and married households. • 12:40 - How do I qualify for a 0% tax rate on $144,000 of stock dividend income? Combining deductions to eliminate capital gains tax drag. • 14:36 - Reaction Video: who benefited from the OBBBA? By • 19:35 – Don't Do That Segment: How a blind $80,000 IRA withdrawal triggers a tax trap. • 23:27 - How do I prevent my qualified dividends from jumping from 0% up to 15%? Protecting boundaries from bracket creep. • 31:59 - Is financing a new truck at 7% cheaper than withdrawing cash from my traditional IRA? Minimizing Medicare premiums via auto financing lines. • 33:47 - How do I fill up my 12% tax bracket with Roth conversions before my RMD age cliff at 73? Defending your estate from future tax bombs. Check out our other videos: https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0 https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP Sources: https://www.modwm.com/maximizing-social-security-benefits/ https://www.modwm.com/retirement-tax-planning-after-the-one-big-beautiful-bill-act/ Committee for a Responsible Federal Budget. (n.d.). How Much Would OBBBA Pay For Itself? https://www.crfb.org/blogs/how-much-would-obbba-pay-itself H&R Block. (n.d.). One Big Beautiful Bill tax changes: How and when they impact you. https://www.hrblock.com/tax-center/irs/tax-law-and-policy/one-big-beautiful-bill-taxes/ Internal Revenue Service (IRS). (n.d.). One, Big, Beautiful Bill provisions. https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions Penn Wharton Budget Model. (2025, June 29). Senate-Passed Reconciliation Bill (OBBBA) Budget, Economic, and Distributional Effects. https://budgetmodel.wharton.upenn.edu/p/2025-07-01-senate-reconciliation-bill-budget-economic-and-distributional-effects-june-29-2025/ Tax Policy Center. (n.d.). One Big Beautiful Bill: What We Know So Far. https://taxpolicycenter.org/taxvox/one-big-beautiful-bill-what-we-know-so-far https://fiscaldata.treasury.gov/ ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →5 Signs You're Saving Too Much for Retirement
Jul 200:39:13Tap to summarizeAccording to Empower, the average 65-74 year old on their dashboard has $1.14M saved, yet fear paralyzes many from enjoying it. Learn the 5 signs you are over-saving at the expense of your life. Meet with us: https://bit.ly/4y76QrV Education center: https://bit.ly/4p74wgs Modern confidence score: https://bit.ly/4vaklEt Video Chapters 0:47 - The five signs of retirement over-saving 4:34 - Sign 1: Am I just maxing out my 401(k) because I don't know what else to do? 9:59 - Sign 2: Fear of Inflation 18:46 - Sign 3: Greed 27:15 - Sign 4: Did I put too much money inside my traditional pre-tax 401(k) bucket? 30:07 - Sign 5: Am I trading my healthy "go-go" years away for a tiny portfolio return? Shifting from account numbers to physical health currency . 31:48 - Bonus Sign: Am I setting up my family for an expensive, unplanned conflict? 33:03 - Reacting to @MoneyGuyShow Sources: @MoneyGuyShow - How Much Should I Save To Retire Early? https://youtube.com/shorts/8StrdP0-dVU?si=zr_WCl3VWpkgWR86 Insights provided by Chris Rett, CFP®, AIF® and Hayden Pudenz of Modern Wealth Management Empower Estimates: Are You Ready for Retirement? (2026 Average Retirement Savings Data) https://www.empower.com/the-currency/money/average-retirement-savings-by-age https://www.federalreserve.gov/econres/scf/dataviz/scf/table/#series:Retirement_Accounts;demographic:agecl;population:all;units:median;range:1989,2022 https://www.allianzlife.com/about/newsroom/2026-Press-Releases/Fear-Of-Running-Out-of-Money-Over-Death-At-Record-High https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds https://bradfordtaxinstitute.com/Endnotes/IRC_Section_401a9.pdf https://www.law.cornell.edu/uscode/text/26/401 https://www.philanthropyroundtable.org/hall-of-fame/andrew-carnegie/ ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →How Often Should You Rebalance Your Portfolio?
Jun 2500:41:09Tap to summarizeLearn about navigating risk during a volatile market by rebalancing your portfolio. Get your Modern Confidence Score: https://www.modwm.com/modern-confidence-score/?utm_source=audio&utm_medium=modern_confidence_score&utm_campaign=awms_podcast_audio_how_often_should_you_rebalance_your_portfolio%3F&utm_content=06_24_2026 Meet with us: https://bit.ly/3SZa7Js Education center: https://bit.ly/4ajDD2E Video Chapters 0:28 - How did the 2025 tariff shock and 2026 market affect portfolios? 1:07 - What is portfolio rebalancing? 2:06 - What is the difference between timing the market and time in the market? 8:06 - What are Warren Buffett's two primary rules of investing? 9:38 - What is a drift parameter? 14:51 - What is Tax Loss Harvesting? 16:28 - What is the IRS Wash Sale Rule? 31:00 - Why can holding a single corporate stock option cause problems in retirement? Sources: Wells Fargo Investment Institute: Perils of Timing Volatile Markets https://www.wellsfargoadvisors.com/research-analysis/reports/policy/volatile-markets.htm Hartford Funds: Timing the Market Is Impossible https://www.hartfordfunds.com/practice-management/client-conversations/managing-volatility/timing-the-market-is-impossible.html MDPI / Oxford Academic: https://www.mdpi.com/1911-8074/17/12/533 https://academic.oup.com/raps Vanguard: Assessing the Value of Tax-Loss Harvesting https://corporate.vanguard.com/content/dam/corp/research/pdf/tax_loss_harvesting_why_a_personalized_approach_is_important.pdf Capital Loss Limitations https://www.irs.gov/taxtopics/tc409 BlackRock: 2025 Tax-Loss Harvesting Data • https://www.blackrock.com/us/financial-professionals/insights/loss-harvesting-year-round • ICFS / Invesco: Diversification Risk and Missing Best Days • https://www.invesco.com/us-rest/contentdetail?contentId=a9b2a3dd-29a7-4302-ab86-814c4886a73c • https://icfs.com/specialists-desk/portfolio-diversification-risk-reduction • https://www.theguardian.com/business/2025/dec/31/wall-street-stock-markets • https://www.blackrock.com/us/financial-professionals/insights/loss-harvesting-year-round • https://www.reuters.com/business/us-tech-stocks-market-dominance-reaches-new-heights-presents-new-risks-2026-06-03/ ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →Mega Backdoor Roth Strategy for Retirement
Jun 1800:36:36Tap to summarizePhased out of Roth IRA contributions in 2026? Learn how the Backdoor and Mega Backdoor Roth rules can open up to $72,000 in potential tax savings this year. Get your Modern Confidence Score here: yourconfidencescore.com Meet with us: https://bit.ly/4vaWAge Education center: https://bit.ly/4oAbsSY Retirement Plan Checklist: Retirement Checklist Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC Sources: 2026 401(k) and IRA Contribution Limits https://www.modwm.com/2026-401k-and-ira-contribution-limits/ 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500 https://youtube.com/shorts/S6j73TdwHMo?si=GC8PVn76y2grlock https://www.youtube.com/shorts/S6j73TdwHMo IRS Newsroom: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500: [https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500 https://investor.vanguard.com/investor-resources-education/iras/roth-ira-income-limits https://www.tiaa.org/public/retire/financial-products/iras/ira-contributions-tax-benefits/income-and-deduction-limits TIAA Wealth Management: 2026 catch-up contribution limits: [https://www.tiaa.org/public/invest/services/wealth-management/perspectives/catch-up-contributions-2026 MissionSquare: 2026 Retirement Plan Contribution Limits (401k, 457(b) & More): [https://www.missionsq.org/plan-sponsors/plan-rules/contribution-limits _____ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →How Long Will My Retirement Money Last?
Jun 1100:29:33Tap to summarizeGet your Modern Confidence Score here: yourconfidencescore.com Meet with us: https://bit.ly/4vG69U7 Education center: https://bit.ly/4ewgoEV Sources: Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC. • https://www.investmentnews.com/retirement-planning/vanguard-fidelity-data-show-new-record-highs-in-401k-savings/265542 • https://www.ebri.org/content/2026-retirement-confidence-survey-finds-americans-less-confident-about-retirement-as-worries-grow-over-social-security--medicare-and-rising-costs • https://youtube.com/shorts/K45hy_Tq7Uw?si=JGBrroGZNIHMNKN4 • https://finance.yahoo.com/news/retirement-outlook-gen-z-wants-170327130.html? guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALyeLSPtCYrrhFL8PnBk-bi9NMGvubqp9NluFgfL0liOr2JqcuS2FHLne8NJCHiPpFoLS_GEKaYeRfzKpBkdJ1064Qk2G8EKSaIBUvQV9-hZTv4QAsZoIA7ZPYOP1K8W7VL0r4bWrk2bB8riAapW2WhMeKZYEsPJ2Gw9jhSzQLg7&guccounter=2 • https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings • https://theconversation.com/why-is-climbing-mount-everest-so-dangerous-206099 • https://www.ebri.org/docs/default-source/rcs/2026-rcs/2026-rcs-release-report.pdf? sfvrsn=1229022f_1 • https://workplace.vanguard.com/insights-and-research/report/previewing-how-america-saves-2026.html • https://www.modwm.com/2026-401k-and-ira-contribution-limits/ _____ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →Safe Withdrawal Rates for Retirement in 2026
Jun 400:36:02Tap to summarizeMorningstar lowered the safe withdrawal rate to 3.9%. Learn how the utilization of a static rate may not actually be optimal. Get your Modern Confidence Score here: yourconfidencescore.com Meet with us: https://bit.ly/4o42NHY Education center: https://bit.ly/4uy9KmB Retirement Plan Checklist: Retirement Checklist What is a safe withdrawal rate for my retirement portfolio? You should move past static retirement metrics. While Morningstar's updated research establishes a conservative, baseline safe withdrawal rate of 3.9% to counter 2026 market realities, executing a single flat percentage over a multi-decade timeline is inefficient. Video Chapters: 0:00 - Is the traditional 4% retirement withdrawal rule dead? 1:04 - Can I safely take out 5.7% of my retirement? 3:46 - Why is spending money in retirement so difficult? 07:49 - What is financial planning "Gamma"? 12:14 - Will selling my vacation home change my retirement timeline? 15:42 - Should I take my annual retirement distribution all at once in January? 17:03 - How do I use a dynamic withdrawal strategy to survive a market crash? 21:52 - Does a commission-free annuity make sense for retirement? 25:16 - Can I use a temporary annuity to bridge the gap until my age 70 Social Security maxes out? 27:02 - Which account should I pull from first to lower my taxes? 28:54 - Am I accidentally paying ordinary income tax rates on my bonds and CDs? 29:51 - How do I qualify for a 0% tax rate on my stock dividends? 31:14 - Will the Net Investment Income Tax (NIIT) trigger a stealth tax on my brokerage wins? 35:05 – By how much should I reduce spending if the stock market drops? Sources: Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC. Morningstar: Estimate How Much You Can Spend in Retirement (2026 Safe Withdrawal Rates): https://www.morningstar.com/retirement/estimate-how-much-you-can-spend-retirement Morningstar Investment Management: "Alpha, Beta, and Now... Gamma" (David Blanchett & Paul Kaplan): https://www.morningstar.com/content/dam/marketing/shared/research/foundational/677796 -AlphaBetaGamma.pdf https://www.macrotrends.net/2016/10-year-treasury-bond-rate-yield- chart https://www.bankrate.com/banking/cds/historical-cd-interest-rates/ https://www.investopedia.com/terms/f/four-percent-rule.asp https://news.northwesternmutual.com/2026-04-01-Americans-Believe-They-Will-Need-1-46-Million-to-Retire-Comfortably,-Up-More-Than-15-Since-Last-Year,-According-to-Northwestern-Mutual-2026-Planning-Progress-Study https://fred.stlouisfed.org/series/FEDFUNDS _____ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.
Transcribe →