In June, 24 services companies, including AIG, Jackson, Lincoln Financial, Prudential and TIAA, came together to form the Alliance for Lifetime Income, an organization that aims to educate consumers and refocus the national retirement discussion […]
How To Withdraw Money From Your Retirement Accounts in the Most Tax-Efficient Manner
How To Withdraw Money From Your Retirement Accounts in the Most Tax-Efficient Manner Generating Income in Retirement: Rethinking Conventional Wisdom When it comes to generating income in retirement, many retirees rely on traditional withdrawal strategies. […]
How much do you need to save for retirement?
How much do you need to save for retirement? It depends on where you live. If you’re saving for retirement in Japan or the United Kingdom, we have good news for you. You need only […]
Midterm Elections and Retirement, Everything You Need to Know
What do the midterm election results mean for your retirement? Not much say two experts – Richard Rosso, director of financial planning at Clarity Financial and Bob Frick, an economist at Navy Federal Credit Union […]
Retirement Daily: In Search of Durable Dividend Stocks
Tim Atwill, the head of investment strategy with Parametric Portfolio Associates, an investment adviser and majority-owned subsidiary of Eaton Vance Corp., explains the strategy behind the Parametric Dividend Income Investor (EAPDX) fund. That fund seeks […]
Retirement Daily: Integrating Family Businesses & Human Capital in Portfolio Management
The role of a family business in wealth creation for high net worth families is well known. Less well understood is the role it plays in wealth management for these same families. In this podcast, […]
Retirement Daily: Nearly Half of Americans Age 50+ Fail a Basic Social Security Quiz
Near-retirees still have a lot to learn about Social Security retirement benefits and may be leaving money on the table according to a new poll released by Massachusetts Mutual Life Insurance Company. Nearly half (47 […]
The Ultimate Year-End Tax & Wealth Planning Checklist with John Nerserian: DYM Ep13
Year-end planning shouldn’t be a reactive scramble in the final days of December. By taking an intentional, checklist-driven approach across taxes, investments, retirement accounts, and estate planning, you can significantly reduce your lifetime tax bill and avoid costly missed opportunities.
In this episode, host Bob Powell sits down with longtime friend and wealth planning expert John Nersesian, founder of Nersesian Wealth Education, to break down essential proactive strategies before the calendar flips.
In this episode, we cover:
Proactive Tax Bracket Management: Marginal rate awareness, bracket stuffing, and managing phase-outs under new tax laws (including SALT caps, Senior Deductions, and QBI).
Smart Investment Moves: Tax-loss harvesting rules, navigating the 61-day wash sale window, stock option exercise timing, and the emotional discipline of portfolio rebalancing.
Retirement Optimization: Maximizing 401(k) and IRA limits, traditional vs. Roth decisions, utilizing Health Savings Accounts (HSAs) as supplemental retirement vehicles, and executing strategic Roth conversions.
Distribution & Program Rules: Mandatory RMD timing and penalty reductions, Social Security claiming coordination, and Medicare enrollment choices.
Legacy & Philanthropy: Annual gift tax exclusions, 5-year front-loading for 529 plans, “bunching” charitable deductions to beat the standard deduction, and utilizing Qualified Charitable Distributions (QCDs).
Is Your Pet Protected? The Estate Planning Mistake You Can’t Afford
Becca Craig joins Finstream’s Bob Powell to discuss how to protect your pets in estate planning. Pet ownership is a significant financial commitment. Learn how wealth advisors factor these family members into long-term financial planning. Robert Powell sits down with Becca Craig, a wealth advisor at Focus Partners Wealth, to discuss the intersection of personal finance and pet care. With 97% of pet owners in the US viewing their animals as family, understanding the associated costs is essential for accurate budgeting and retirement planning. We examine why treating your pet like a family member requires specific financial adjustments. Becca shares her own experience as a pet owner, detailing how she manages expenses for her two cats, Godric. This discussion provides practical insights for anyone looking to balance the emotional joy of animal companionship with responsible wealth management. Whether you are creating a new budget or adjusting your estate plans, these pet care tips help ensure your financial health remains stable. Subscribe to FinStream.tv for weekly financial planning breakdowns, and let us know in the comments how you budget for your pets.
The Caregiver’s Financial Blind Spot: Why Protecting Your Future Is Part of Caring for Theirs
The Caregiver’s Financial Blind Spot: Why Protecting Your Future Is Part of Caring for Theirs By Sandra D. Adams, CFP® Most caregivers don’t wake up one morning and decide to become caregivers. Instead, it happens […]