Financial Education

Discover the powerful strategies of tax loss harvesting and asset placement to optimize your investment portfolio and reduce your tax burden.

Tim discusses the "retirement tax bomb" - the large tax liability many retirees face from their pre-tax retirement accounts, like 401(k)s.

Tim discusses stock market volatility and advises clients to remember the purpose of their investment portfolio - to create a reliable income stream in retirement.

Tim covers 5 problems with dividend investing and what he believes to be a superior long-term investment strategy.

Tim shares the book Die With Zero by Bill Perkins and challenges traditional retirement planning by emphasizing the importance of maximizing life experiences and maintaining a balance between money and time.

Tim provides an overview of healthcare options for those considering retirement before age 65, but concerned about medical expenses in retirement.

Tim walks through a case study of a couple's retirement plan emphasizing tax planning, guardrails, and a war chest while stressing the importance of considering healthcare costs.

Tim stresses the importance of separating a financial advisor's custodian from their own firm to prevent conflicts of interest and ensure investor protection.

Tim breaks down what a financial custodian is and its role in holding client assets. He discusses why his firm chose to partner with Altruist Financial as its primary custodian.

See how Tim helped a couple with $1.5 million retire comfortably through tax planning, analyzing expenses, and determining probabilities.

Tim clarifies RMD rules and highlights the IRS's recent decision to waive penalties for failing to take RMDs from inherited IRAs under the 10-year payout rule for the 4th consecutive year.

Tim discusses strategically claiming Social Security benefits to maximize retirement income. Factors to consider include health, life expectancy, income, & spousal benefits.

Tim breaks down everything you need to know about deploying a dynamic guardrail withdrawal strategy for a safe income stream during retirement.

Maximize your retirement savings with strategic Roth IRA conversions. Discover how to thread the needle each year to minimize taxes and avoid higher Medicare premiums later.

Tim explains the often confusing Roth IRA 5-year rule in detail, including the 5-year contribution rule and the 5-year conversion rule.

Whether you're navigating inheritance or planning your estate you'll want to know how the 10-year RMD rules work for inherited IRAs. Tim provides clarity on distribution timelines, tax implications, and beneficiary designations.

In this video, Tim discusses Individual Retirement Accounts (IRAs) as well as inherited IRAs, beneficiaries of different account types, and some estate planning items to consider.

Tim outlines the tax implications of pre-tax, Roth, and taxable accounts, and he discusses managing taxes and locations of investments for optimal tax efficiency in retirement.

Tim discusses options for 401(k) accounts considering fees, investment options, and account consolidation. He outlines rules for withdrawing from retirement accounts before age 59.5, like the rule of 55.

Tim shares the secrets of successful retirees, offering insights into how they conquered the retirement mountain. Discover these key behaviors and gain valuable insights for your own retirement journey.