Do I Need a Financial Advisor?

Summary

Podcast Summary: "Do I Need a Financial Advisor?"

Podcast: Jill on Money with Jill Schlesinger
Host: Jill Schlesinger, CFP®
Episode Release Date: August 5, 2025
Episode Title: Do I Need a Financial Advisor?

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Introduction and Listener Engagement

In the August 5, 2025 episode of "Jill on Money with Jill Schlesinger," host Jill Schlesinger sets the stage by emphasizing the common financial challenges listeners face, regardless of their financial status. She encourages listeners to reach out for personalized advice, highlighting the variety of resources available on the show's website, jillonmoney.com.

Notable Quote:

"We all have weird things about our financial lives... you don’t have to do it on your own." – Jill Schlesinger [01:07]

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Listener Call-In: Jeff from Minnesota

The episode features a call from Jeff, a 69-year-old retiree from Minnesota, who shares his experiences with financial advisors and seeks guidance on managing his finances post-retirement.

Background Information:

• Age: 69
• Employment: Recently retired from a part-time position at FedEx Express (January 2025)
• Income:
  • Social Security: $2,400/month
  • Pension from FedEx: $10,000/month (after taxes)
  • Additional Income: Dividend income from four stocks valued at approximately $1.25 million (pre-split)
  • Checking Account: $60,000
  • Roth IRA: $170,000
• Assets:
  • Traditional IRA: $550,000
  • Townhome: Valued at $400,000 (paid in cash, no debt)
• Family: One adult son, a flight instructor with a job awaiting post-training at Delta Airlines.

Notable Conversation Points:

1. Experience with Financial Advisors:

   • Jeff has consulted three financial advisors but remained unsatisfied, primarily due to a lack of personalized, written guidance.
   • Notable Quote:

     "Third time's a charm, babe." – Jill Schlesinger [03:22]

2. Investment Management:

   • Jeff's traditional IRA is managed through Vanguard, invested in a total stock fund, bond fund, and international fund.
   • He expresses concern over the financial advisor's recommendation to split his IRA between an unnamed ETF and a fixed index annuity, questioning the fiduciary responsibility.

3. Income and Expenses:

   • Jeff's combined income from Social Security, pension, and dividends totals approximately $2,600/month, with additional dividend income roughly translating to $5,000/month gross.
   • He manages expenses by using a credit card, typically spending around $2,000/month.

4. Tax Concerns and IRMAA:

   • Jeff is worried about taxes and the Income-Related Monthly Adjustment Amount (IRMAA) affecting his Medicare premiums due to his income levels.
   • Jill Schlesinger explains IRMAA:

     "IRMAA... based on the amount of money that you have earned." – Jill Schlesinger [11:02]

   • They discuss strategies to manage income withdrawals from the traditional IRA to mitigate IRMAA impacts and prevent a significant tax burden later.

5. Recommendations Provided:

   • Jill advises Jeff to consider withdrawing a controlled amount from his traditional IRA to balance his income and manage tax liabilities.
   • She suggests avoiding fixed index annuities and recommends seeking a fee-only financial advisor or a trusted accountant for unbiased financial planning.
   • For his life insurance, Jill recommends extending the term for one more year, emphasizing it's a minimal cost for added security.
   • Regarding gifting, Jill advises Jeff to gift $19,000 in stock to his son, leveraging his son's lower tax bracket to minimize capital gains taxes.

Notable Quotes:

"You don't need it. But there's only one year left. So finish it out and just finish it." – Jill Schlesinger [20:01]

"I would give him $19,000 of one of these stocks and then say, as soon as I gift it to you, turn around and sell it." – Jill Schlesinger [20:38]

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Key Takeaways and Insights

1. Evaluating Financial Advisors:

   • Not all financial advisors are created equal. It’s crucial to find advisors who act in the client's best interest, preferably fee-only advisors who avoid conflicts of interest related to commissions.

2. Managing Retirement Income:

   • Balancing various income sources (Social Security, pensions, dividends) is essential to ensure financial stability and minimize tax burdens.
   • Understanding and managing IRMAA is vital for retirees with substantial income sources to prevent unexpected increases in Medicare premiums.

3. Investment Strategy:

   • Diversified investment portfolios, like Jeff’s allocation in stock, bond, and international funds through Vanguard, can provide stability.
   • Avoiding complex financial products, such as fixed index annuities, may be beneficial unless they align clearly with one's financial goals.

4. Tax-Efficient Gifting:

   • Strategic gifting of appreciated assets to family members in lower tax brackets can reduce overall tax liabilities and facilitate wealth transfer.

5. Leveraging Professional Help:

   • Collaborating with trusted accountants or financial planners, especially those recommended by existing legal advisors or through professional networks, can enhance financial management without unnecessary complications.

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Conclusion and Final Advice

Jill Schlesinger wraps up the episode by reinforcing the importance of thoughtful financial planning and the value of seeking reliable professional guidance. She encourages listeners who feel uncertain about their financial strategies to reach out for support, emphasizing that informed decisions can lead to a more secure and less stressful financial future.

Final Notable Quote:

"Change your work, change your wealth, change your life." – Jill Schlesinger [21:43]

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Additional Resources Mentioned

• Website: jillonmoney.com – For contacting the show, accessing the free weekly newsletter, and exploring additional content like the "Money Watch" podcast, blogs, and videos.
• Alternative Podcast: "Money Watch" – Recommended for further financial insights.

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This episode provides a comprehensive look into the intricacies of managing retirement finances, the importance of selecting the right financial advisor, and strategies to optimize income and tax liabilities. Jeff's real-life scenario, coupled with Jill's expert advice, offers valuable lessons for listeners navigating similar financial landscapes.

Transcript

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[Jill Schlesinger]

Welcome to the Jill on Money Show. It's Tuesday, August 5th and we are here listening to what's on your mind and trying to help you find a way forward that works for you. And you know, sometimes people will come on the program and they say, well, I don't have that much money. Or some people have a lot of money. It doesn't really matter to us because we all have weird things about our financial lives. Or maybe not even so weird. It's just that it's hard to manage everything on your own. You know, if I think about all the different things that have been put in our laps, whether it's our healthcare, our finances, all the things you have to absorb about the changes in the world, it kind of falls on us. And I just wish that we didn't have to do all those things on our own. And for you, who are our loyal listeners, you don't have to do it on your own. You can work with us. Meaning work with us. What I mean by that is get in touch with us and come on the air and tell us about what's going on. And then maybe we can find something for you to look at and maybe re examine. Or maybe there's something different that could happen for you that's a little bit less stressful. Whatever it is, give us a holler. Go to our website, jillonmoney.com in the upper right hand corner there is a contact us button. When you press that button, a formal pop up. That's the email we receive and you can give us a bunch of details, especially if you don't think that you're going to be coming on the program with us live. But if you would like to join us live, all you need to do is check the box. Mark does everything else. Hey, while you're on the website, don't forget to sign up for the free weekly newsletter and check out all of our content that lives there. We've got another podcast that's called Money Watch. I really encourage you to, to subscribe to that. We've got the blog, we've got a radio show, videos of my recent appearances on CBS News resources, all there right on the website. Okay. Today we are going to chat with Jeff who joins us from Minnesota. Hello, Jeff. What's going on? How can we help you out?

[Jeff]

Good morning. By the way. First off, I've met with my third financial advisor first who I didn't really care for what they had to say.

[Jill Schlesinger]

Third time's a charm, babe.

[Jeff]

Well, I don't know.

[Jill Schlesinger]

All right, let's see.

[Jeff]

I didn't get anything in writing. I just went, went through a zoom call and he did everything on his computer and showed me from, from there. So basically he did go through breaking down income, assets, taxes and spending.

[Jill Schlesinger]

Okay, that's a good, that's, that's a good start.

[Jeff]

Well, he wants me to pretty much divide my IRA, my traditional IRA, which I have about 550,000 in that account.

[Financial Advisor]

Okay.

[Jeff]

He wants me to split it between an etf, which he unnamed, and a fixed index annuity. Unnamed. And I always thought that fiduciary shouldn't recommend products that they get his commission on.

[Jill Schlesinger]

Well, not necessarily, but we're going to get to that in a second. First of all, can you give us a little background? Who are you? Jeff, how old are you? Still working? What's happening?

[Jeff]

I am 69. I retired from a part time career position at FedEx Express in, at the end of January of 2025.

[Financial Advisor]

Okay.

[Jeff]

So I just collecting Social Security and I just went on Medicare.

[Jill Schlesinger]

Okay, Social Security. How much do you collect?

[Jeff]

What is it, like 2,400.

[Jill Schlesinger]

Okay, 2,400amonth and you're on Medicare, which is good. And are you married? Single? Partnered? What's going on?

[Jeff]

I'm not partnered right now.

[Jill Schlesinger]

Oh, well, let's see, let's try to make a change in that department if you want to by the end of this call. I'm just kidding. Come on. All right, so Social Security is the only income that you receive or do you receive a pension?

[Jeff]

I received a pension from FedEx. I took the lump sum because I thought that was a better way to go.

[Jill Schlesinger]

Yes.

[Jeff]

So after taxes, there's $10,000 in that pension, which isn't bad for only being a seven year part time employee.

[Jill Schlesinger]

Huh.

[Jeff]

Okay, that's sitting in my checking account and I'm looking which way I should go with investing that right now.

[Financial Advisor]

Okay.

[Jeff]

$211 pension from a previous employer back when I was in high school and college from the United Food and Commercial Workers Union in Wisconsin.

[Jill Schlesinger]

Wow. So you've got $2,600 a month in income between Social Security and that smaller pension.

[Financial Advisor]

Right, right.

[Jeff]

Plus I get dividend income from my stocks.

[Jill Schlesinger]

Wait, wait, before you do that, before you do that, I just want to know one quick thing.

[Jeff]

Okay.

[Jill Schlesinger]

Can you support yourself on that $2,600 a month?

[Jeff]

Pretty close.

[Jill Schlesinger]

Okay, so it's close to covering. We'll just say I know you need, you have other money. I just wanted to understand, like if that gets you most of the way there. Okay, so you have the $10,000 in the checking account. You got the traditional IRA of $550,000. You have other brokerage assets. Is that what you're telling me? Because I just heard you mention dividends and income.

[Jeff]

Right. I own four stocks.

[Jill Schlesinger]

That's it, just four.

[Jeff]

Right.

[Jill Schlesinger]

And what's the total value of those four stocks?

[Jeff]

Well, before the last eight days, it was about 1,250,000.

[Jill Schlesinger]

You don't sell any of these stocks.

[Jeff]

Correct.

[Jill Schlesinger]

You simply use the dividend that is spun out from them from those four stocks. And you use that to live on or do you use that for fun stuff? Or is it, is it building up somewhere else? Like in addition to the $10,000 from the lump sum FedEx payout, is there other money that's in the bank?

[Jeff]

Yeah, I have a checking account with about 60,000 in there.

[Financial Advisor]

Uh huh. Okay.

[Jill Schlesinger]

What was the, the four stocks? Did, did you inherit these? Is this just like, hey, I wanted to buy some dividend producing stock, so I went and looked for it. Like, how did you come about having a million plus dollars in this, in these four stocks?

[Jeff]

I was gifted Philip Morris stock from my mother. My father was an employee of Miller Brewing Company when Philip Morris owned Brewing Company. And then they've split off into these other four companies. Philip Morris split into two companies and then they spun off Kraft into Mondelez and then Kraft Merchant. Fines.

[Jill Schlesinger]

Okay, I got it, I got it. So there are these four stocks, but it really came from this One gift. And how long ago did your mom get that? While. So you have a, like, your cost basis must be very small. Is that right?

[Jeff]

Yes.

[Jill Schlesinger]

Well, have you ever tried to figure it out? Is it, you know, of the million?

[Jeff]

I had an accountant figure it out, but. Okay, I question that it. He did it correctly. And I did sell. I did sell stocks to pay for my town home three years ago. So I paid cash for that. I have no debt whatsoever.

[Jill Schlesinger]

How much is the townhome worth?

[Jeff]

At least 400. You are comfortable, too.

[Jill Schlesinger]

You have a Roth. How much is in the Roth?

[Jeff]

170,000.

[Jill Schlesinger]

And you got no kids?

[Jeff]

One.

[Jill Schlesinger]

Is the kid on. On his or her own? Like, okay, or what? Where does the kid stand in the life cycle?

[Jeff]

Pretty much on his own. He's currently a flight instructor at University of North Dakota. He does have a job waiting for him when he makes his thousand hours of flight training at Delta.

[Jill Schlesinger]

Oh, amazing. Then you can travel for free.

[Jeff]

Yeah.

[Jill Schlesinger]

On Delta. That's awesome. All right, so there's nothing. So, you know, if you think about it, like, biggest picture, right, you got some income. It mostly covers your need. These four stocks are spinning off. How much a year, would you guess, in dividend income?

[Jeff]

About 60.

[Jill Schlesinger]

60 grand. So, you know, between the $2,600 a month that comes in from the Social Security and the pension, there's another five grand a month. I'm sure that's not net, but let's just call it five grand a month gross. So you got a lot of money coming in. Have you ever figured out what your real expenses are?

[Jeff]

I put everything on the credit card and pay it at the end of the month. It's usually okay, two grand, a little more sometimes.

[Jill Schlesinger]

So that's it. It's two grand improvement.

[Jeff]

So I have been spending a little bit more money.

[Jill Schlesinger]

But that's the 60 grand in the bank is because the dividends have. Did you use. When you first were gifted the stock, did you reinvest the dividends?

[Jeff]

Right. Two years ago, I. I started to just take it out. Pretty much all of it now.

[Jill Schlesinger]

Okay, so here's my big question to you. So, I mean, it's really you. And you've got the son. You don't have anyone else you have to take care of, right?

[Jeff]

Correct.

[Financial Advisor]

Okay.

[Jill Schlesinger]

And your son is on his way. Do you feel comfortable? Like, the money that's in the traditional ira, what would you think of doing with that money or the Roth? Like, what. How is. How are those two big chunks of money invested right now?

[Jeff]

The traditional IRA is at Vanguard. And I have. I forgot to write down the percentages before the call.

[Jill Schlesinger]

That's okay.

[Jeff]

Total stock fund, the total bond fund and the total international fund.

[Jill Schlesinger]

Okay, well, that sounds like a very easy, actually good allocation without messing around too much. Have you been happy with the performance of the traditional Iraq?

[Jeff]

Basically, yes.

[Jill Schlesinger]

So dare I ask why you need a financial advisor? Because you just thought you should.

[Jeff]

I thought everybody should. Should pretty much talk to a financial advisor.

[Jill Schlesinger]

Maybe not. I mean, you've talked to three, so I think you've covered it.

[Jeff]

Well, my biggest concern is taxes and the possibility of irmaa.

[Jill Schlesinger]

Well, don't worry about Irma. Come on now, stop that. I'm going to just chide you for a little bit. Okay, so everybody, let's think about this. Jeff is 69. The reason why he's talking about this other woman named Irma, not Jill, thank God it's not a Jill. It's because when you go onto Medicare, there is an actual extra fee that you may have to pay if you earn a bunch of income. This is referred to irmaa. It is called IRMAA because it stands for Income Related Monthly Adjustment Amount IRMAA I R M A A. And based on the amount of money that you have earned. I'm sorry, that you have coming in. Because it doesn't have to be earned income, your modified adjusted gross income. Based on that, you may be subject to these extra charges for Medicare parts B and D. Okay, so let me give you an example. We have our friend Jeff here. Jeff, you have, let's say your total income looks to me in that first IRMAA tier. If you're single, it's 106,000 to 133,000. Is that about right, you think for your modified adjusted gross income?

[Jeff]

Yeah. So I think it might be on the lower end right now, but it's going to go up once I have to start doing the RMDs.

[Jill Schlesinger]

Right? Right. So we're going to talk about that in one second.

[Financial Advisor]

Okay?

[Jill Schlesinger]

So if this first tier of extra charge is $87.70 a month, which here in New York, I would say that's like borscht. It's like not a big deal. Don't worry about that. Even if you went up to the next level, which is 220 bucks a month, I mean, you've got plenty of money, it's fine. I wouldn't do a lot of like crazy, weird shenanigans to manage this. I think your biggest issue that I see right now is that as you said, you've got this traditional ira, it's worth over a half a million dollars. That is certainly going to cause some problems. So the question I have now is what amount of money would we have to pull out of that traditional IRA to kind of manage IRMAA, but also get the money out of that traditional IRA so that you don't have at age 75, the ticking tax bomb. Right. I think that that's where you are sort of somewhere in between that scenario. So I put the primacy on the required minimum distribution because I think that these dollar amounts are, those are the ones that are going to impact you more. So let's presume at age 75 you got, I mean, I know it's five, six years away, but. Okay, so you have $550,000.

[Financial Advisor]

Okay.

[Jill Schlesinger]

Let's say that we grew that for five or six years in a mellow, not crazy portfolio.

[Financial Advisor]

Okay.

[Jill Schlesinger]

And so let's say at age 75 you have $600,000. So your required minimum distribution in that first year would be an extra $24,000.

[Financial Advisor]

Okay.

[Jill Schlesinger]

Because you're not going to sell these stocks, I presume at this point. Right?

[Jeff]

No, because then I'd be hit with the huge capital gains tax.

[Jill Schlesinger]

Yeah. If you're at all charitable gift some of this stock, by the way, use the stock to be charitable, please.

[Jeff]

I haven't thought about it yet, but.

[Jill Schlesinger]

If you, if you are at all, then think about that. Okay. So the way I look at it is this. You'll be in that first IRMAA tier probably for a while, for like the next five, six, seven years. I think you should consider taking money out of the traditional IRA and maybe either converting it to a Roth or maybe just taking it and having it to invest, maybe adding it to your brokerage account. What would happen if you took say two or $3,000 a month or you know, in one lump sum every year, that kind of money, 24, 30 to $36,000 a year, you took that out of the traditional IRA, you paid the tax, you would be in that higher IRMAA bracket. You absolutely would. But it would be, you know, 80 bucks, $87 again, $88 a month. But we'd start getting some of the money out of the ira. I'm wondering if perhaps the advisor who said take half of the money and put it in an exchange traded fund and they said what should you do with the other half? A fixed index annuity. Was that the other piece of it?

[Jeff]

Right. And I'm not a fan of Those.

[Jill Schlesinger]

Yeah, I wouldn't do that. I was wondering if maybe they were trying to just do a fixed annuity. I don't think I would work with that third advisor. First of all, I think what you seek is a kind of advisor called a fee only advisor.

[Financial Advisor]

Okay?

[Jill Schlesinger]

That kind of advisor is usually a CFP or a cpa. That kind of advisor cannot take a commission from any product. CFPs can take commissions, they just have to disclose it. And I'm sure that if you said to this advisor, well, how much money do you make on the fixed index annuity? How is it billed? They are by their rules, their own rules as fiduciary. I'll have to explain to you how they do that. I agree with you, though. I wouldn't work with that person. I think your game plan should be start pulling money out of your traditional ira. Try to keep it at a level where if you're looking at your total amount of your dividends and you'll know this, I mean, maybe the real the time to do this is the end of the year because you'll get a sense of what your dividends have been for the year. You'll look at how much money you've earned on interest and bank accounts, et cetera, and then you pull out the amount of money that will keep you maybe at that first IRMAA level, which is again, modified adjusted gross income under 133,000. Although frankly, I'd go up to the next level if I were you.

[Jeff]

Okay?

[Jill Schlesinger]

I just want to get that money out because that money is going to keep making your life a little miserable. And if you wait, then it's going to be a lot more money. And that money is going to maybe throw you into like the third or fourth tier of the IRMAA surcharge, you know, so why not get some of the money out now? But if your question was, hey, Jill, should I. What should I do about this, this advisor? I keep saying broker because it feels like a very funny brokerage approach to the world. I'm saying you can do this on your own. Do you go to an accountant? The accountant who you don't trust about your cost basis? Do you still see that person?

[Jeff]

No, I did my own taxes last year.

[Jill Schlesinger]

Dude, you're an animal. Come on. You can't find a decent accountant in Minnesota?

[Jeff]

I suppose I could if I looked hard enough.

[Jill Schlesinger]

I would rather you. Honestly, I'd rather you have a good accountant than a CFP right now. And this is a great time of year to look, don't Wait till the very end of the year and certainly don't wait till March. This is a great time to look and tell somebody, hey, my concern is taxes. I know that I'm going to have a tax situation because of the money in the retirement account. I also know I've got the IRMAA surcharge. Help me balance it. Come up with a game plan with me. That's what I think you should do.

[Jeff]

So where do you think I should look for an accountant? Is there like any type of who's your.

[Jill Schlesinger]

Who's like, don't you have some friends who like, who have accountants? Like, I mean, you could go to the aicpa. Do you have a lawyer, by the way? Do you have a. Do you have a lawyer who did your estate plan?

[Jeff]

Yeah, he's in Wisconsin.

[Jill Schlesinger]

Call that dude up and say, help me find somebody here in Minnesota.

[Jeff]

Okay?

[Jill Schlesinger]

That's what I would do because I.

[Jeff]

Do have a revocable trust. I have a will.

[Jill Schlesinger]

Oh, look at you, you're good. I would absolutely, I would look to that person first.

[Financial Advisor]

Okay.

[Jill Schlesinger]

I really would get a referral. Go find yourself an accountant and let's manage this income.

[Financial Advisor]

Okay?

[Jeff]

Can I ask you two questions?

[Jill Schlesinger]

Yes.

[Jeff]

Question number one is I still have a $500,000 term life insurance. The premium is due in November and there's one year left on. It was a 20, I think a 20 year term life. Should I.

[Jill Schlesinger]

Well, are you going to promise me not to die in that last year? Are you going to promise? I'm just kidding. Look, if you have, you don't need it. But there's only one year left. So finish it out and just finish it. It's cheap, right?

[Jeff]

1100.

[Jill Schlesinger]

Yeah. So it's 1100 for the year. Let's do it for one more year. God forbid something were to happen, your kid gets an extra bunch of money, right? So you don't. But you don't need it no more after the last year.

[Jeff]

Second question is, do you think I should start gifting any stock to my son?

[Jill Schlesinger]

Well then he. What's his, what's his tax bracket? It's gotta be low right now, right?

[Jeff]

Pretty close.

[Jill Schlesinger]

If you want to, you can give him. Is he a good kid?

[Jeff]

Oh, yeah.

[Jill Schlesinger]

All right. What I would do maybe is give him $19,000 of the stock of your lowest cost basis stock. You got to tell him what the cost basis is because he gets your cost basis. And then I would encourage him to sell it immediately because look, think about it this way. When you are at this very low tax bracket. I mean, maybe he'll be able to do a zero percent capital gains. He might be able to literally have no capital gains due on 19 grand. I just, I don't know what the rest of his salary and the rest of his outlook is, but at the worst case, it's 15%, and the best case, it's zero. So I would give Tim $19,000 of one of these stocks and then say, as soon as I gift it to you, turn around and sell it. Here's the cost basis. Here's how much money you have to keep aside for taxes when April comes around. That's what I would do.

[Jeff]

Okay.

[Jill Schlesinger]

All right. I'm feeling good about this. All right. You've learned a lot today, and we've learned a lot from you, Jeff. So thank you so much for getting in touch with us. Hey, gang. I know it's always, you know, I love CFPs. I love financial planning. Not everybody needs it. It's really. It's a very specific need. I think that it's a great thing to talk to people, but if you get a weird feeling like Jeff did, like, I'm not sure about this, get in touch with us. Don't sign on the dotted line till you talk to us. All you have to do is go to jillonmoney.com, click the contact us button, write us that note. If you want to come on the air, check the box. That's what Jeff did. And don't forget to check out all the content that [e-mail] youm can subscribe to us on the Odyssey app or wherever you find your free favorite podcasts. Please leave a rating and review wherever you listen and, of course, lift someone up. Change your work, change your wealth, change your life. Thank you for listening and we'll talk to you tomorrow.

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