The Widow’s Penalty – Part 2 | Ep #85
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
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.
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.
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.
National Debt and High Net Worth Planning | Ep #78
If you’re like many affluent families today, you’ve likely felt a growing sense of uncertainty around the U.S. national debt — and what it could mean for your future taxes, your retirement income, and the legacy you intend to pass on.
The Interest Rate Trap | Ep #77
For more than a decade, retirees, investors, and even financial professionals lived in a world where near-zero interest rates felt almost permanent. But the economic landscape has shifted dramatically.
The Truth About Reverse Mortgages – Part 2 | Ep #74
Reverse mortgages have long carried a reputation as a “last resort” loan for retirees struggling to make ends meet. But in reality, when structured correctly, they can become one of the most powerful financial tools available for retirement, tax efficiency, and portfolio preservation.
The Truth About Reverse Mortgages – Part 1 | Ep #73
For many retirees, the dream of financial freedom can feel overshadowed by the weight of ongoing mortgage payments. What if you could eliminate that monthly burden while unlocking a powerful tool to improve cash flow, reduce taxes, and secure your long-term financial future? That’s exactly what a reverse mortgage can offer.