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Medicare IRMAA, Roth Pro-Rata, & Real Estate Strategies

Joe and Big Al attempt to clearly and succinctly explain modified adjusted income for Medicare and IRMAA, and the pro-rata and aggregation rules for Roth conversions. Will a combat zone TSP transfer be subject to those rules? Plus, joint tenants with rights of survivorship vs. transfer on death for a brokerage account, reducing taxes on the sale of a timeshare, how much to spend on home improvements, and using a reverse mortgage instead of long-term care insurance. And wait ’til you hear the fellas’ thoughts on the best way to pay the least amount of tax when you cash out your retirement savings to buy gold and silver.

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31
JAN
2023
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Alternative Retirement Income Sources: Real Estate and Beyond

The pros, cons, and mistakes of rental real estate investing, how to eliminate mortgage payments and create monthly income with a reverse mortgage, and potential side hustles and passive income streams in retirement, presented by Alan Clopine, CPA, of Pure Financial Advisors and Your Money, Your Wealth®.  Transcript: Andi: Alternative retirement income sources, real estate […]

18
FEB
2022
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Should You Pay Off the Mortgage? First Consider Your Tax Strategy

If you’re thinking of paying off your mortgage, Joe and Big Al can help you walk through your investing and tax strategy first. Plus, after maxing out your retirement accounts and health savings account (HSA) and owning rental real estate, how else should you save for retirement? (Hint: brokerage account.) As a self-employed small business […]

01
DEC
2020
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How to Talk to Mom & Dad About Their Money

Cameron Huddleston discusses her book, Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. But first, we talk glide path: should you invest more aggressively through retirement? Which assets should you spend before you take Social Security? What should your portfolio withdrawal strategy be if you don’t […]

12
NOV
2019
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Answers to Your Top Roth Conversion Questions

Your Roth IRA questions answered: when should you do a Roth conversion? Should you wait until you’re in retirement to convert? What kind of income is it? How do you convert slowly so the tax bite doesn’t hurt so much? How long do you have to work before you can contribute to a Roth IRA? […]

01
OCT
2019
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Roth Conversions, Life Insurance & More: Email Round-Up

An entire episode dedicated to money questions that run the gamut: from Roth conversions and the Mega Backdoor Roth strategy to IULs to insure future income, reverse mortgages in recession, divorce and retirement accounts, and much more. Listen to the podcast on YouTube:  Subscribe to the YMYW podcast  Subscribe to the YMYW podcast newsletter FOLLOW […]

10
SEP
2019
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Get Real About Real Estate in Retirement: Is A Reverse Mortgage Right For You?

Chances are your home is your biggest investment. How can you make the most of your home in retirement? Financial professionals Joe Anderson and Alan Clopine discuss the benefits of downsizing and dispel the myths about reverse mortgages. Transcript: Joe: Real estate is a very interesting asset class, and a lot of us already own […]

13
MAY
2019
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How to Manage 8 Risks That Can Derail Your Retirement

Plenty of risks threaten retirement, and today we focus on managing risks from longevity, inflation, sequence of returns, taxes, interest rates, and lost opportunity. Plus, Professor Jamie Hopkins from The American College and the New York Life Center for Retirement Income talks about how our risky investor behavior needs Rewirement (which happens to be the title of […]

28
AUG
2018
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3 Ways a Reverse Mortgage Can Supercharge Your Retirement

Dr. Wade Pfau of RetirementResearcher.com returns to Your Money, Your Wealth® to share some incredible reverse mortgage strategies that can supercharge your retirement when executed correctly. He also updates us on the new rules for reverse mortgages since the 2018 tax law has changed, explains why they have traditionally gotten such bad press, and how […]

08
MAY
2018
LISTEN NOW
SEASON 4, EPISODE 15

Banking on Your House in Retirement

Are you getting close to retirement but aren’t sure if you will have enough of an income stream to enjoy your time in retirement? Financial Experts Joe and Al explore ways to produce more income with the largest asset many retirees own: their home. American College Professor, Wade Pfau, takes a look at the pros […]

13
AUG
2017
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Finance for Normal People

Meir Statman, professor of finance at Santa Clara University and author of Finance For Normal People: How Investors and Markets Behave tells Joe and Big Al how smart people can avoid doing stupid things when it comes to investing. Also, are you house rich but cash poor as you approach retirement? The fellas have some strategies for making […]

31
JUL
2017
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Tapping Into Home Equity for Retirement Income

A reverse mortgage gives you the opportunity to tap into your home equity. Joe and Al discuss whether a reverse mortgage is the right move to make for generating income. 1:02 “I’ve got a lot [to explain] about retirement that you need to be aware of, some new tax plan strategies, pros and cons of […]

08
OCT
2016
LISTEN NOW

Your Money, Your Wealth Hr. 2

Should you consider a reverse mortgage? In this second hour of the podcast, Joe and Al explain what a reverse mortgage is and why it’s growing in popularity as baby boomers age. Also discussed in this second hour: eight slow and difficult steps to becoming a millionaire, the 10 worst states to retire in, the […]

08
AUG
2015
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Interview with Dr. Sass on Reverse Mortgages

Joe sits down with Dr. Steven Sass from the Center for Retirement Research at Boston College to discuss the pros and cons of using a reverse mortgage. Download Dr. Steven Sass’ booklet on reverse mortgages, “Using Your House for Income in Retirement”  0:55 “Reverse mortgage is where you can access a chunk of the equity you […]

24
FEB
2015
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How Much Can I Get out of a Reverse Mortgage?

Find out how much income you can get out of a reverse mortgage, taking into account your age, line of credit, lump sum and lifetime yearly payments. 0:36 “A line of credit means you can take the money when you want to, you don’t have to take it all at once” 0:42 “[Line of credit] […]

24
FEB
2015
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