The Foundational Financial Plan™ | Ep #87

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A “financial plan” that lives in a spreadsheet and never changes is not a plan—it’s a snapshot. The framework here treats planning like a living system: inputs update, scenarios get tested, and the outcome stays anchored to the primary objective—not running out of money.

Broadening Isn’t Always Diversification | June 2026

Lush Green Mountains Under Colorful Sky

Emerging markets have helped broaden equity leadership in 2026, but that does not automatically mean they are delivering true diversification. For investors, that distinction matters. EM has been a bright spot this year and may look like a natural way to expand beyond U.S. equities, but much of that strength is still tied to the same AI-related drivers that have powered developed markets. In other words, leadership may be broadening, while the underlying theme remains more familiar than many investors realize.

The Widow’s Penalty – Part 2 | Ep #85

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A spouse’s death can tighten taxes quickly—even when household income stays similar. The pressure usually comes from moving from married filing jointly to single, losing deductions, and inheriting IRA distribution rules that are easy to miss during an already overwhelming year.

The Widow’s Penalty – Part 1 | Ep #84

Tax Planning For Widows Explained

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

Retirement Tax Training Information And Expert

“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

Joint Accounts And Estate Planning Mistakes

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

Waves Crashing On Rocky Shoreline.

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

Buckets Representing Tax Strategies For 2026

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.