The Widow’s Penalty – Part 1 | Ep #84
The widow’s penalty is described as a tax problem that can hit after a spouse dies: filing status shifts from married filing jointly to single, and the single brackets are less favorable. A surviving spouse can reach higher brackets sooner while trying to maintain income.
Advanced Retirement Tax Training at National Semiannual Conference Hosted by America’s IRA Experts in Las Vegas
“As an IRA Master Elite IRA Advisor, I can tell you, we spent an entire session on Roth conversions alone and identified fifty distinct planning considerations, several of which shifted because of the new legislation. We also got a complete briefing on the new Trump Accounts taking effect in July. These are conversations every retirement saver should be having with their advisor right now – I know we are having them with our clients.” Bruce Hosler
Joint Accounts in Estate Planning: Key Mistakes Families Make | Ep #83
Most families believe estate planning is “done” because a will exists somewhere—or a child was added to an account “for convenience.” Episode 83 shows how that checkbox mindset can backfire: a joint brokerage account intended to “avoid probate” accidentally disinherits siblings and triggers a seven-figure, avoidable tax bill.
A Gameplan For Market Corrections | March 2026
The information technology sector delivered an outsized gain through the first 11 months of 2025 in a broadly “risk-on” environment, except for the brief stretch of “tariff turmoil” in March and April.
New Tax Laws For You to Understand in 2026 | Ep #82
The 2026 tax-law changes discussed in this episode affect how retirees, high earners, and families with large IRAs plan for taxes now versus later. The rules touch Roth conversion timing, charitable deduction mechanics, Social Security benefits for certain pension recipients, and how catch-up 401(k) contributions must be funded—each with real “miss it and you lose it” consequences.
How to Use a Free Roth Conversion Tax Calculator
Learn how a free Roth conversion tax calculator can help you estimate taxes, compare scenarios, and plan smarter for tax-free retirement income.
Inherited IRA Taxes: What You Need to Know
Get clear answers on inherited IRA taxes, including withdrawal rules, tax strategies, and common mistakes to help you keep more of your inheritance.
How Roth IRA Tax-Free Withdrawals Actually Work
Curious if a Roth IRA is tax free? Learn how Roth IRA tax-free withdrawals work, including rules, exceptions, and tips for smarter retirement planning.
QCD Update for 2026 – Advice You Should Know | Ep #81
A Qualified Charitable Distribution (QCD) is a charitable gift made directly from an IRA to a qualified charity that can keep the distribution out of your taxable income when done correctly. It applies to IRA owners (and certain inherited IRA beneficiaries) who meet the age requirement, and it matters because it can support giving goals while potentially reducing income-driven tax side effects.
The New Trump Accounts and What They Will Do | Ep #80
Most Americans don’t begin investing seriously until adulthood—often after their first job, their first paycheck, or their first financial mistake.
That may be about to change.
The New Uses for 529 Plans | Ep #79
For years, 529 plans have been viewed as a single-purpose savings tool: a tax-advantaged way to pay for college. While that was once true, recent legislative changes have dramatically expanded what these plans can do—and how strategic families can use them.
April 2026 – Client Update Meeting – Prescott
Advisors field questions from clients about current economic events & topics of interest.