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Real Money Pros - (11/24/24) - 

Real Money Pros - (11/18/2024) -

Real Money Pros - (11/18/2024) - 

Real Money Pros (11/09/24) - RMDs, Tax-Loss Harvesting, & Delaying SS

Ben Barzideh and Jeremiah Bates start with Required Minimum Distributions (RMDs) and Tax Strategies. Understanding this is crucial, as these distributions can significantly impact your tax liability in retirement. They discuss strategies to minimize taxes, including tax-efficient withdrawals and tax-loss harvesting, helping you reduce your taxable income and keep more of your hard-earned savings.
Delaying Social Security can increase your monthly payout, providing a more secure income stream in retirement. But when do you do that? Plus, we touch on the balance between diversification and long-term care planning. We also compare the pros and cons of long-term care insurance versus self-insurance through savings or annuities, giving you the tools to make informed decisions for a secure retirement.

Real Money Pros (11/09/24) - RMDs, Tax-Loss Harvesting, &amp; Delaying SS
Ben Barzideh and Jeremiah Bates start with Required Minimum Distributions (RMDs) and Tax Strategies. Understanding this is crucial, as these distributions can significantly impact your tax liability in retirement. They discuss strategies to minimize taxes, including tax-efficient withdrawals and tax-loss harvesting, helping you reduce your taxable income and keep more of your hard-earned savings. Delaying Social Security can increase your monthly payout, providing a more secure income stream in retirement. But when do you do that? Plus, we touch on the balance between diversification and long-term care planning. We also compare the pros and cons of long-term care insurance versus self-insurance through savings or annuities, giving you the tools to make informed decisions for a secure retirement.

Real Money Pros (11/09/24) - RMDs, Tax-Loss Harvesting, & Delaying SS 

Real Money Pros (11/02/24) - Ben and Brian dive into the significant impact of the upcoming election on economic conditions, exploring how potential changes in tax brackets and government spending could reshape individual financial landscapes and the broader economy. We also discuss the recent market reactions to disappointing earnings from major tech companies and inflation data, which have introduced volatility and uncertainty into investment strategies.


Additionally, we break down the critical decision between contributing to a Roth 401(k) versus a traditional 401(k). We also emphasize the strategic advantages of Roth conversions, particularly in anticipation of potential tax increases. As the year comes to a close, we highlight the importance of proactive financial planning, including checking beneficiary designations and utilizing tax-loss harvesting strategies to optimize your financial position.

Real Money Pros (11/02/24) - Ben and Brian dive into the significant impact of the upcoming election on economic conditions, exploring how potential changes in tax brackets and government spending could reshape individual financial landscapes and the broader economy. We also discuss the recent market reactions to disappointing earnings from major tech companies and inflation data, which have introduced volatility and uncertainty into investment strategies.
 Additionally, we break down the critical decision between contributing to a Roth 401(k) versus a traditional 401(k). We also emphasize the strategic advantages of Roth conversions, particularly in anticipation of potential tax increases. As the year comes to a close, we highlight the importance of proactive financial planning, including checking beneficiary designations and utilizing tax-loss harvesting strategies to optimize your financial position.

Real Money Pros (11/02/24) - Election Impact, Retirement Strategies, & Year-End Financial Planning

REAL MONEY PROS - 10-27-2024

REAL MONEY PROS - 10-19-2024 -

The team dives into the crucial topic of inflation and its impact on fixed-income investments. With inflation rates on the rise, it’s essential for investors to understand how this affects assets like bonds. We emphasize the importance of considering inflation when making investment decisions…Key insights include the necessity of diversification and understanding market risks, as well as aligning investments with individual financial goals and risk tolerance. We discuss various retirement account strategies, focusing on IRAs, Roth IRAs, and 401(k)s, particularly regarding tax implications and strategic withdrawals. Lastly, we highlight the significance of selecting the right mix of investments to ensure a stable income stream throughout retirement.

The team dives into the crucial topic of inflation and its impact on fixed-income investments. With inflation rates on the rise, it’s essential for investors to understand how this affects assets like bonds. We emphasize the importance of considering inflation when making investment decisions…Key insights include the necessity of diversification and understanding market risks, as well as aligning investments with individual financial goals and risk tolerance. We discuss various retirement account strategies, focusing on IRAs, Roth IRAs, and 401(k)s, particularly regarding tax implications and strategic withdrawals. Lastly, we highlight the significance of selecting the right mix of investments to ensure a stable income stream throughout retirement.

REAL MONEY PROS - (10-12-2024) - Inflation, Fixed Income & Strategic Retirement Withdrawls.

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Ben and Brian discuss potential geopolitical impacts on markets, particularly the recent missile attacks in the Middle East. These events could drive oil prices higher, which, in turn, may fuel inflation and affect economic stability.
Outside current events, they cover the importance of Roth conversions as we approach year-end. This is the perfect time to assess whether converting pre-tax IRA funds to a Roth IRA is right for you, especially with tax rates expected to rise!
However, be aware of its impact on Medicare and Social Security—Roth conversions can increase your modified adjusted gross income, potentially leading to higher Medicare premiums and increased taxation on Social Security benefits.
Have you looked at emerging markets recently? We may see an opportunity.

Ben and Brian discuss potential geopolitical impacts on markets, particularly the recent missile attacks in the Middle East. These events could drive oil prices higher, which, in turn, may fuel inflation and affect economic stability. Outside current events, they cover the importance of Roth conversions as we approach year-end. This is the perfect time to assess whether converting pre-tax IRA funds to a Roth IRA is right for you, especially with tax rates expected to rise! However, be aware of its impact on Medicare and Social Security—Roth conversions can increase your modified adjusted gross income, potentially leading to higher Medicare premiums and increased taxation on Social Security benefits. Have you looked at emerging markets recently? We may see an opportunity.

Real Money Pros (10-05-2024) - Middle East, The Markets, & Roth Conversions

Ben, Brian, and Jeremiah explore China's recent stimulus package, which aims to bolster its economy by cutting reserve requirements and supporting the stock market. This move could spark growth not just in China but also in global and emerging markets, particularly in commodities and infrastructure.
Next, they discuss utility stocks. With rising electricity demand driven by AI and electric vehicles, utilities present a stable, income-oriented investment opportunity. Remarkably, these stocks have even outpaced the S&P 500 this year.
The conversation then shifts to the evolving landscape of energy infrastructure, emphasizing the potential for investments in renewable sources like solar and nuclear power to meet increasing electricity demands.
Finally, the guys underscore the importance of estate planning. Proper strategies, such as beneficiary designations and trusts, can help manage inheritances efficiently while mitigating tax liabilities.

Ben, Brian, and Jeremiah explore China's recent stimulus package, which aims to bolster its economy by cutting reserve requirements and supporting the stock market. This move could spark growth not just in China but also in global and emerging markets, particularly in commodities and infrastructure. Next, they discuss utility stocks. With rising electricity demand driven by AI and electric vehicles, utilities present a stable, income-oriented investment opportunity. Remarkably, these stocks have even outpaced the S&amp;P 500 this year. The conversation then shifts to the evolving landscape of energy infrastructure, emphasizing the potential for investments in renewable sources like solar and nuclear power to meet increasing electricity demands. Finally, the guys underscore the importance of estate planning. Proper strategies, such as beneficiary designations and trusts, can help manage inheritances efficiently while mitigating tax liabilities.

REAL MONEY PROS - (09-28-24) - China’s Economy, Utility Stocks, & Energy Infrastructure Shifts

REAL MONEY PROS - (09-21-24) - Matt and Jeremiah discuss the Federal Reserve's larger-than-expected interest rate cut, which is set to impact various asset classes, benefiting value stocks and small-cap companies while creating refinancing opportunities.
We emphasize the importance of reevaluating investment strategies in light of changing interest rates. With fixed income landscapes shifting, real estate and value stocks may offer more favorable returns.


We also tackle the complexities of 401(k) rollovers, stressing that this decision isn’t one-size-fits-all. Individual circumstances, such as required minimum distributions (RMDs) and ongoing employment, play a significant role in making informed choices.
Lastly, with year-end approaching, proactive tax planning is more critical than ever. We encourage you to consider strategic adjustments, including Roth conversions, to maximize tax efficiency and ensure your financial future is secure.

REAL MONEY PROS - (09-21-24) - Matt and Jeremiah discuss the Federal Reserve's larger-than-expected interest rate cut, which is set to impact various asset classes, benefiting value stocks and small-cap companies while creating refinancing opportunities. We emphasize the importance of reevaluating investment strategies in light of changing interest rates. With fixed income landscapes shifting, real estate and value stocks may offer more favorable returns.
 We also tackle the complexities of 401(k) rollovers, stressing that this decision isn’t one-size-fits-all. Individual circumstances, such as required minimum distributions (RMDs) and ongoing employment, play a significant role in making informed choices. Lastly, with year-end approaching, proactive tax planning is more critical than ever. We encourage you to consider strategic adjustments, including Roth conversions, to maximize tax efficiency and ensure your financial future is secure.

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