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Ep 5: Business Retirement Accounts - SEP IRA

Retire With Confidence

Release Date: 09/06/2022

Ep 20: Charitable Giving with Cindy Blake show art Ep 20: Charitable Giving with Cindy Blake

Retire With Confidence

In this episode, we are joined by Cindy Blake, Business Development Officer with YouthBridge Community Foundation.  She discusses her own background that led her to helping donors plan their charitable giving, some of her favorite stories from working with donors, how donors can utilize vehicles such as Donor Advised Funds for the charitable giving and tax planning, and how YouthBridge can help in those charitable giving efforts. Cindy Blake - LindedIn Profile:      

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Ep 19: Tax Impact of Buffer ETFs and Structured Investments show art Ep 19: Tax Impact of Buffer ETFs and Structured Investments

Retire With Confidence

In our previous episodes, we discussed buffer ETFs and structured investments, and why we like to use them for a portion of retirement investments.  We received some questions on the tax impacts of these investments, and are addressing those questions in this episode.

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Ep 18: Structured Investments show art Ep 18: Structured Investments

Retire With Confidence

In episode 16, we explained how we break retirement money into three buckets.  The third bucket was meant for investment growth over the long-term.  Using structured investments for a portion of this allows us to keep the investment accounts steadier for clients, thereby making it easier for them to stay invested for that longer-term growth, even during periods of stock market declines. This episode discusses what those structured investments are and why we like to use them for a portion of the retirement investments.

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Ep 17: Buffer ETFs show art Ep 17: Buffer ETFs

Retire With Confidence

In episode 16, we explained how we break retirement money into three buckets.  The third bucket was meant for investment growth over the long-term.  Using Buffer ETFs for a portion of this allows us to keep the investment accounts steadier for clients, thereby making it easier for them to stay invested for that longer-term growth, even during periods of stock market declines. This episode discusses what those buffer ETFs are and why we like to use them for a portion of the retirement investments.

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EP 16: Retirement Buckets show art EP 16: Retirement Buckets

Retire With Confidence

This episode discusses how we put the investment tools together into different retirement buckets provide a successful retirement.  It is critical to have these buckets to make sure that you have both a steady income and long-term growth. Setting this up properly will allow you to retire with confidence.

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Ep 15: Back-door Roth IRA - Part 2 show art Ep 15: Back-door Roth IRA - Part 2

Retire With Confidence

In Episode 3, we discussed back-door Roth IRA contributions.  Please be sure to listen to that episode first for details on what a back-door Roth IRA contribution is. In this episode, we discuss some follow-up questions on how to make sure it is recorded properly on the tax return via Form 8606.  The Form 1099-R that you receive from the custodian does not provide all the information you need, and it is critical to report this transaction properly on the tax return.

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Ep 14: Qualified Charitable Distributions show art Ep 14: Qualified Charitable Distributions

Retire With Confidence

In episodes 12 & 13, we discussed Required Minimum Distributions (RMDs) and Back-door Roth IRA contributions, respectively.  If you haven't listened to those, we recommend you listen to those episodes first, since this episode combines pieces of episodes 12 & 13. Qualified Charitable Distributions allow you to take up to $100,000 of your RMD and send the money directly to charity.  In doing so, the RMD does not show-up as income on your tax return, potentially saving you money in other ways because many tax calculations are based on your Adjusted Gross Income (AGI.

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Ep 13: Giving Assets to Charity show art Ep 13: Giving Assets to Charity

Retire With Confidence

Please give to those who are less fortunate.  Here we will discuss ways to do that while also receiving tax benefits for giving assets that have appreaciated in value over time.

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Ep 12: Required Minimum Distributions (from your IRA) show art Ep 12: Required Minimum Distributions (from your IRA)

Retire With Confidence

RMDs (Required Minimum Distribtions) are an important component of retirement and tax planning.  Once you have attained a certain age, you are required to take specific amounts out of your Traditional IRA account.  It is also critical not to miss these deadlines.  Otherwise, you may pay a significant tax penalty.

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Ep 11: Common Types of Investment Funds show art Ep 11: Common Types of Investment Funds

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Let's clarify the most common types of investment funds.  It's important to understand that there are different types of accounts, and then within those accounts can be various types of investment funds.  Here we discuss Mutual Funds versus ETFs (Exchange Traded Funds) versus Index Funds.

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Business owners have access to additional retirement savings accounts.  The SEP IRA is the most straightforward tool available to a business owner with no employees who wants to receive a tax deduction via contribution to a retirement account.