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Ep 14: Qualified Charitable Distributions

Retire With Confidence

Release Date: 10/25/2022

Ep 29: SECURE ACT(s) - Changing RMD Ages show art Ep 29: SECURE ACT(s) - Changing RMD Ages

Retire With Confidence

The SECURE ACT was passed a couple years ago and SECURE ACT 2.0 was passed more recently.  Both have significant implications for retirement and tax planning. In this episode, we will discuss that changes to the Required Minimum Distribution (RMD) ages.

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Ep 28: SECURE ACT - Death of the Stretch IRA show art Ep 28: SECURE ACT - Death of the Stretch IRA

Retire With Confidence

The SECURE ACT was passed a couple years ago and SECURE ACT 2.0 was passed more recently.  Both have significant implications for retirement and tax planning. In this episode, we discuss the required withdrawal period upon inheritance, and the death of the "Stretch IRA".

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Ep 27: Dividend ETF Examples show art Ep 27: Dividend ETF Examples

Retire With Confidence

We are often asked for examples of ETFs that would be good to use for retiring with confidence.  While there is no one size fits all answer, this episode provides a few ETF examples. Please note that these funds to not represent investment advice specific to your investing.  A proper plan is needed to determine appropriate investments and funds to use.

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Ep 26: Accelerating Taxable Income show art Ep 26: Accelerating Taxable Income

Retire With Confidence

Conventional wisdom is often to defer taxes as long as possible.  In many cases, that is the correct course of action.  But did you know that sometimes it makes sense to accelerate taxable income and pay taxes sooner? Listen to learn more!

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Ep 25: Ignoring Short-Term Fluctuations - An Intro to Guardrails show art Ep 25: Ignoring Short-Term Fluctuations - An Intro to Guardrails

Retire With Confidence

It can be easy to get caught up in short-term investment moves, both good and bad, with all of the news headlines constantly shining a spotlight on them.  However, it's an unnecessary use of energy to focus too much on these fluctuations without having a proper context around what it means for your retirement planning.  Retirement guardrails are here to help! This episode is an introduction to retirement guardrails.  We talk about the basic function and how it interacts with other topics we have covered, such as income buckets and buffered ETF.

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EP 24: Don't Fear Recession show art EP 24: Don't Fear Recession

Retire With Confidence

Recession can be scary.  Investments amounts going down can be scary.  It is normal and human to have these feelings.  To retire with confidence, we mitigate those fears by properly structuring and planning retirement, and by being ready to make adjustments as we have discussed in many previous episodes. In fact, when we have properly planned and structured retirement, not only do we not need to fear recessions, we can look forward to them for the opportunities they provide.  Remember, over the course of retirement, we will likely experience multiple recessions.  Let's...

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Ep 23: Don't Forecast the Stock Market show art Ep 23: Don't Forecast the Stock Market

Retire With Confidence

Stock market and economic forecasts are well intended.  However, they typically don't matter after we have properly structured and planned for retirement.  With proper structures and strategies, we can stay consistent in good times and in bad, while also controlling the things that we can control to take advantage long-term of whatever the economy and stock market throws at us in the short-term.

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EP 22: Harvesting Losses and Wash Sale Rules show art EP 22: Harvesting Losses and Wash Sale Rules

Retire With Confidence

We are always looking for planning opportunities, even in years where the stock market is down.  Did you know that you can harvest losses to receive tax benefits in the current year, and also potentially future years?  Listen to learn more, and also to understand the rules to do so properly.

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Ep 21: Rolling over after-tax 401(k) contributions to a Roth IRAs show art Ep 21: Rolling over after-tax 401(k) contributions to a Roth IRAs

Retire With Confidence

In some situations, an employee can make after-tax (but not Roth) contributions to a 401(k) plan.  The important piece of the puzzle to know is how to properly handle transfers to IRA accounts once you leave that company.  This episode addresses that to make sure you get the maximum tax benefit out of these transactions.

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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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More Episodes

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.