Is moving your Roth IRA back into a workplace plan a smart move—or a costly mistake? David Gagnon explores a proposed rule change that could allow Roth IRA rollbacks into employer plans and why consolidation isn’t always better. He breaks down how fees, investment options, flexibility, and tax strategy should guide every decision. The conversation also examines the real value of financial advice versus fees, the limits of AI in retirement planning, and practical ways to manage inflation risk. It’s a thoughtful look at aligning financial decisions with a personalized retirement strategy.

Help Protect, Preserve, and Expand Your Wealth TODAY! 

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Is moving your Roth IRA back into a workplace plan a smart move&mdash;or a costly mistake? David Gagnon explores a proposed rule change that could allow Roth IRA rollbacks into employer plans and why consolidation isn&rsquo;t always better. He breaks down how fees, investment options, flexibility, and tax strategy should guide every decision. The conversation also examines the real value of financial advice versus fees, the limits of AI in retirement planning, and practical ways to manage inflation risk. It&rsquo;s a thoughtful look at aligning financial decisions with a personalized retirement strategy.
<a href="https://yourfirstfinancialplanners.com/">Help Protect, Preserve, and Expand Your Wealth TODAY!&nbsp;</a>
Follow us on Social Media:&nbsp;<a href="https://www.facebook.com/yourfirstfinancialplanners">Facebook</a>&nbsp;and&nbsp;<a href="https://www.linkedin.com/in/davidjgagnoncpa">LinkedIn!&nbsp;</a>&nbsp;

Need a hand in making your best retirement possible? Join David Gagnon on the Mastering Your Wealth podcast! From taxes to long-term care, Social Security maximization, retirement income planning, and more, David’s show is designed to help educate the community on the important steps for preparing for retirement. David’s goal is to answer your pressing retirement questions and boost your confidence going into retirement.

Need a hand in making your best retirement possible? Join David Gagnon on the Mastering Your Wealth podcast! From taxes to long-term care, Social Security maximization, retirement income planning, and more, David’s show is designed to help educate the community on the important steps for preparing for retirement. David’s goal is to answer your pressing retirement questions and boost your confidence going into retirement.

Mastering Your Wealth

Should You Move Your Roth IRA Back to a 401(k)?

Retirement isn’t derailed by one big mistake. It’s often shaped by the questions people never stop to ask. David Gagnon explains why many pre-retirees have investment accounts but not a true retirement plan and discusses the shift from saving to spending as more baby boomers enter retirement. The conversation covers income planning, taxes, Social Security decisions, longevity risk, and why relocating to a lower-tax state may not deliver the savings many expect. It’s a practical look at building a retirement strategy that accounts for real-life spending, longer lifespans, and major lifestyle decisions.

Help Protect, Preserve, and Expand Your Wealth TODAY! 

Follow us on Social Media: Facebook and LinkedIn! 

Retirement isn&rsquo;t derailed by one big mistake. It&rsquo;s often shaped by the questions people never stop to ask. David Gagnon explains why many pre-retirees have investment accounts but not a true retirement plan and discusses the shift from saving to spending as more baby boomers enter retirement. The conversation covers income planning, taxes, Social Security decisions, longevity risk, and why relocating to a lower-tax state may not deliver the savings many expect. It&rsquo;s a practical look at building a retirement strategy that accounts for real-life spending, longer lifespans, and major lifestyle decisions.
<a href="https://yourfirstfinancialplanners.com/">Help Protect, Preserve, and Expand Your Wealth TODAY!&nbsp;</a>
Follow us on Social Media:&nbsp;<a href="https://www.facebook.com/yourfirstfinancialplanners">Facebook</a>&nbsp;and&nbsp;<a href="https://www.linkedin.com/in/davidjgagnoncpa">LinkedIn!&nbsp;</a>

The Biggest Retirement Risk Might Not Be What You Think

What if the biggest risk in retirement isn’t the stock market, but playing it too safe? On this episode David Gagnon discusses Warren Buffett’s decision to move billions into cash and what it reveals about managing risk in retirement. He explains sequence of returns risk, the importance of aligning investments with income needs, and how a strategic withdrawal plan can help retirees balance growth, liquidity, and stability. The conversation also explores the growing role of AI in financial planning and why personalized retirement strategies still require a comprehensive review of an individual’s unique circumstances.

Help Protect, Preserve, and Expand Your Wealth TODAY! 

Follow us on Social Media: Facebook and LinkedIn! 

What if the biggest risk in retirement isn&rsquo;t the stock market, but playing it too safe? On this episode David Gagnon discusses Warren Buffett&rsquo;s decision to move billions into cash and what it reveals about managing risk in retirement. He explains sequence of returns risk, the importance of aligning investments with income needs, and how a strategic withdrawal plan can help retirees balance growth, liquidity, and stability. The conversation also explores the growing role of AI in financial planning and why personalized retirement strategies still require a comprehensive review of an individual&rsquo;s unique circumstances.
<a href="https://yourfirstfinancialplanners.com/">Help Protect, Preserve, and Expand Your Wealth TODAY!&nbsp;</a>
Follow us on Social Media:&nbsp;<a href="https://www.facebook.com/yourfirstfinancialplanners">Facebook</a>&nbsp;and&nbsp;<a href="https://www.linkedin.com/in/davidjgagnoncpa">LinkedIn!&nbsp;</a>

Warren Buffett Cut Risk. Should Retirees Do the Same?

What happens when a health crisis, market downturn, or missing paperwork collides with retirement? David Gagnon explains why retirement planning goes beyond investments and income, covering the critical role of estate planning, beneficiary reviews, powers of attorney, and healthcare directives. He also discusses creating reliable retirement income, the differences between residual income and annuities, and why hoping for a financial windfall is not a retirement strategy. Learn how written plans, stress testing, and thoughtful preparation can help address common retirement concerns and provide greater clarity for the years ahead.

Help Protect, Preserve, and Expand Your Wealth TODAY! 

Follow us on Social Media: Facebook and LinkedIn! 

What happens when a health crisis, market downturn, or missing paperwork collides with retirement? David Gagnon explains why retirement planning goes beyond investments and income, covering the critical role of estate planning, beneficiary reviews, powers of attorney, and healthcare directives. He also discusses creating reliable retirement income, the differences between residual income and annuities, and why hoping for a financial windfall is not a retirement strategy. Learn how written plans, stress testing, and thoughtful preparation can help address common retirement concerns and provide greater clarity for the years ahead.
<a href="https://yourfirstfinancialplanners.com/">Help Protect, Preserve, and Expand Your Wealth TODAY!&nbsp;</a>
Follow us on Social Media:&nbsp;<a href="https://www.facebook.com/yourfirstfinancialplanners">Facebook</a>&nbsp;and&nbsp;<a href="https://www.linkedin.com/in/davidjgagnoncpa">LinkedIn!&nbsp;</a>

Should You Move Your Roth IRA Back to a 401(k)?

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