America's Wealth Management Show

Get your Modern Confidence Score: https://www.modwm.com/modern-confidence-score/  Visit the Modern Wealth Management Education Center for more informative retirement content. https://bit.ly/4tugotf   To explore our financial services, schedule a meeting with the Modern Wealth Management Team:  https://bit.ly/4dkxOE9  Where should I invest my cash to beat inflation? You should completely stop asking where to invest your capital as an isolated step. Instead, the foundational question you must answer is what your money needs to do dynamically to accomplish your lifetime lifestyle goals with the least amount of risk possible. Attempting to buy individual investment vehicles before undergoing an analysis of your net spending needs and multi-generational goals can be short-sighted. Key Learning Outcomes • Investment Malpractice: Why receiving an asset recommendation before an intensive personal financial analysis fails fiduciary standards.  • The CAPE Ratio Reality: Understanding what a 37 valuation reading means for your long-term return expectations.  • The Cash Drag Trap: Why safety instruments like money markets expose your retirement to devastating inflation and interest rate risk.  • The Delayed Claim Win: How deferring Social Security to age 70 protects your household against outliving your capital.  Chapters: 0:00 - Where should I invest my money right now? 2:17 - What is the right question to ask my financial advisor? 6:43 - How do I stop fear and greed from ruining my portfolio? 9:58 - How did the 2025 tariff shock and 2026 Iran conflict affect the market?  11:43 - Will my retirement survive a prolonged war or correction? 13:03 - Can I swap my current investment model to protect against downside risk?  14:00 - Is keeping all my cash in a savings account the safe? 15:27 - What is a "bull market"? 19:13 - Is a 60/40 allocation across all my accounts a mistake? 20:35 - Will Social Security actually be around by the time I retire? 24:53 - When should I start claiming my Social Security benefits? 26:12 - How do I maximize my Social Security to protect my surviving spouse? 27:30 - What is the actual break-even age for delaying my benefits? 31:52 - Am I hoarding too much cash right now? Sources: Insights provided by Dean Barber and Chris Rett, CFP®, AIF® of Modern Wealth Management. - Investment Directions: 2026 outlook https://www.ishares.com/us/insights/inside-the-market/2026-market-outlook-investment-directions  - BlackRock: Investment Directions (2026 Asset Allocation Trends): https://www.blackrock.com/us/financial-professionals/insights/inside-the-market/investment-directions  - ETF Database / AAII Sentiment Survey: What Could Move Stocks in 2026: https://etfdb.com/etf-strategist-channel/move-stocks-2026/  - AAII Sentiment Survey: Pessimism Pulls Back  https://www.aaii.com/latest/article/455181-aaii-sentiment-survey-pessimism-pulls-back  - US - S&P 500 Cyclically Adjusted PE Ratio https://en.macromicro.me/collections/34/us-stock-relative/410/us-sp500-cyclically-adjusted-price-earnings-ratio  - Only when the tide goes out do you discover who's been swimming naked. https://www.brainyquote.com/quotes/warren_buffett_383933  Personal Finance - Social Security claims at 62 get social media buzz — experts say proceed with caution https://www.cnbc.com/2026/05/11/social-security-break-even-analysis.html  ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

The Retirement Plan Checklist can be found here: https://bit.ly/49zBeQR  Get your Modern Confidence Score: https://www.modwm.com/modern-confidence-score/  Visit the Modern Wealth Management Education Center for more informative retirement content. https://bit.ly/4tF6ftU  To explore our financial services, schedule a meeting with the Modern Wealth Management Team: https://bit.ly/49MkK80  How much money do I need to retire comfortably? You should stop focusing on "80% replacement" rules of thumb and instead identify the specific net spendable income that needs to be deposited into your bank account month after month . In the 2026 landscape, a successful plan must account for taxes on IRA distributions, the $24,500 401(k) contribution limit, and the rising cost of health care, which can squeeze your travel and legacy budget 10 to 15 years into retirement. Chapters: 0:00 - How much net income do I actually need to retire? 3:17 - Will I have enough money to retire comfortably in 2026? 4:46 - Why is my health care costing more than I planned?  6:14 - Should I use the NUA rule for my company stock? 11:13 - How do I plan my budget using a "net number" basis? 14:24 - How will my retirement plan survive a catastrophe? 16:07 - How can I pay for long-term care using life insurance?  21:52 - Can the insurance company raise my premiums later? 30:07 - Will my portfolio survive a market drop early in retirement? 34:17 - When is the right time for me to stop working? 35:56 - How do I use the "Super Catch-Up" to save more at age 60?  36:16 - Why is my Medicare so expensive two years after I retired? Sources: Insights provided by Dean Barber and Chris Rett, CFP®, AIF® of Modern Wealth Management. • Plootus Research: Retirement Statistics 2026: 60+ Key Data Points: https://www.plootus.com/retirement-statistics-2026  • 2025 Retirement Survey: 58% of Seniors Fear Running Out of Money SafeMoney.com: Average Retirement Age in the US (EBRI and Gallup Data): https://www.retirementliving.com/state-of-retirement   • Jenner & Block: 2026 Retirement Plan Amendment Deadline: https://www.jenner.com/en/news-insights/client-alerts/2026-retirement-plan-amendment-deadline-what-plan-sponsors-need-to-know  • Fidelity Investments: Secure Act 2.0 Changes: https://www.fidelity.com/learning-center/personal-finance/secure-act-2 • IRS 2026 Publication 1099 Instructions: https://www.irs.gov/pub/irs-prior/p1099--2026.pdf  ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Visit the Modern Wealth Management Education Center for more informative retirement content. https://bit.ly/42OMnJP To explore our financial services, schedule a meeting with the Modern Wealth Management Team: https://bit.ly/4wd6hLZ  Retirement Plan Checklist: https://bit.ly/4tUaq6c  Chapters: 0:00 - How is tax planning different from tax preparation? 3:24 - Why does my CPA need to see my full financial plan? 5:47 - Will I save more on taxes if I bunch my charitable gifts? 8:36 - Should I put my 401(k) money into a Roth or Traditional account? 13:41 - What is the 2026 "super catch-up" contribution for ages 60 to 63? 15:27 - How does diversifying my accounts lower my taxes?  18:30 - Can I take the new $6,000 senior deduction? 20:29 - How do I get a 0% tax rate on my capital gains? (As a married couple over 65) 24:25 - Which account should I take money from first in retirement?  31:57 - Will I lose my tax deduction if I sell and rebuy a stock? 32:51 - Why did my Medicare cost go up even though I'm retired? (Understanding IRMAA) You can lower your lifetime tax bill by using forward-looking tax planning instead of just tax prep. Learn how the new $6,000 senior deduction works. Should I itemize my deductions in 2026? You should only itemize if your total qualified expenses—such as mortgage interest, state and local taxes (SALT), and charitable gifts—exceed the new $32,200 standard deduction for married couples or $16,100 for single filers. Because the One Big Beautiful Bill Act made the ballooned standard deduction permanent while raising the SALT cap to $40,400, a large majority of Americans will find it more tax-efficient to take the standard deduction rather than tracking individual receipts. Sources: Insights provided by Dean Barber and Corey Hulstein, CPA of Modern Wealth Management. 2026 Tax Brackets: IRS Makes Inflation Adjustments by Modern Wealth Management: https://www.modwm.com/2026-tax-brackets/  2026 401(k) and IRA Contribution Limits by Modern Wealth Management: https://www.modwm.com/2026-401k-and-ira-contribution-limits/  Questions and Answers on the Net Investment Income Tax by IRS.gov: https://www.irs.gov/newsroom/questions-and-answers-on-the-net-investment-income-tax  ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Visit the Modern Wealth Education Center for more informative retirement content. https://bit.ly/3R6EHjq  To explore our financial services, schedule a meeting with the Modern Wealth Management Team:  https://bit.ly/4cRqwpA  How do I teach my kids and grandkids about financial literacy? You should start by instilling the duty of ownership through diversified market investments, such as an S&P 500 index fund, which allows even young investors to own pieces of corporations. Public education systems often fail to teach basic money management, thus, responsibility falls on families to host annual meetings and explain concepts like compound interest—the element that allows wealth to double approximately every eight years historically. In the 2026 landscape, a key focus is understanding the difference between being a "Loaner" (Bonds) and an "Owner" (Stocks) is critical for young adults: bonds offer a known outcome with fixed interest, while stocks represent an investment that allows participation in innovation and growth.  Financial success also hinges on identifying the difference between good debt and bad debt. While credit card debt and payday loans are "bad debt" that should be avoided at all costs, a low-interest mortgage (such as those secured at less than 3% during the 2020-2021 window) can be considered "good debt" if managed with discipline. Key Learning Outcomes Generational Duty: Why parents and grandparents must bridge the gap left by public financial education. The "Trump Account": Preparing for the July rollout of this new long-term compounding tool. Market Psychology: Learning to view stock prices as only a potential loss or gain and how to avoid emotional decision-making. Debt Management: Why "no bad debt ever" is the fundamental rule for relationships and financial peace. 0:00 Why is Financial Literacy Important? 1:49 The Role of Parents & Grandparents in 2026  2:50 July Update: The New Trump Account for Long-Term Growth  4:35 What's the Difference Between Stocks and Bonds? 9:17 Temporary vs. Permanent Loss in the Market 11:15 401(k) Strategy: Matching, Cash Reserves, and Roth Options  13:44 What is Good Debt vs. Bad Debt? 17:32 The 70-20-10 Budgeting Rule for New Grads  22:37 What Does a Financial Advisor Do? 28:06 Family Finances: Having the Hard Meetings  32:22 Why is Portfolio Diversification Important? Sources: Insights provided by Dave Petso, CFP® and Dean Barber of Modern Wealth Management. Vanguard, Fidelity data show new record highs in 401(k) savings https://www.investmentnews.com/retirement-planning/vanguard-fidelity-data-show-new-record-highs-in-401k-savings/265542  Kiplinger Article: What Is the Rule of 72 and How Can Investors Use It? https://www.kiplinger.com/investing/what-is-the-rule-of-72#:~:text=What%20is%20the%20Rule%20of%2072%20in%20simple%20terms?,divided%20by%20nine%20equals%20eight).  Nebraska Dept. of Banking and Finance Website: Doubling Your Money With the 'Rule of 72' https://ndbf.nebraska.gov/doubling-your-money-rule-72#:~:text=How%20It%20Works,Understand%20your%20risk%20tolerance.  Article: Down 25% From Its High, Is Now the Time to Buy Microsoft Stock? https://finance.yahoo.com/news/down-25-high-now-time-012000490.html  ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Resources: Meet with us: https://bit.ly/4tfEV6e  Education center: https://bit.ly/4vKzaPE  Retirement Plan Checklist: https://bit.ly/3QkPmXp  Retiring as a single individual in 2026 is mathematically more challenging than for married couples because single filers reach the 22% ordinary income tax bracket at roughly half the income level of those filing married-jointly ($100,000 vs. $200,000) . Without a "built-in" support system or caregiver, single retirees must prioritize a "Power Package" of legal documents—specifically Financial and Medical Powers of Attorney—to ensure their healthcare and financial wishes are executed should they become incapacitated. Video Chapters 0:00 Introduction: Why Financial Planning for Singles is Different  1:06 Personal Story: Navigating Independence After Loss  3:37 The Independence Factor: Building Your Own Support System  5:33 Tax Headwinds: Single vs. Married Filing Jointly  7:04 The Widow's Penalty: Transitioning to a Single Tax Filer  8:58 The Planning Window: RMDs at Age 75 and Roth Conversions  10:01 Capital Gains Levers: Capturing the 0% Tax Bracket  11:55 Long-Term Care for Singles: Stress-Testing "Solo Aging"  14:19 Modern Housing: Remodeling for Forever vs. Community Living  16:15 Legacy and End-of-Life Planning Without Heirs  17:41 DON'T DO THAT: The Single Person's Power of Attorney Mistake 20:12 Starting the Journey: The Freedom of the Planning Process Sources: https://youtu.be/Cd3As3HjCMg  https://youtu.be/N8MiXAKTbmc  https://youtu.be/C7_GdgN502Q   https://youtu.be/lSy5ggQWmn8  https://www.modwm.com/catch-up-contributions-for-your-retirement-plan/  __________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

In this episode, Logan DeGraeve, CFP®, and Corey Hulstein, CPA, distinguish between reactive tax preparation and proactive forward-looking tax planning . We analyze the IRC §408 implications of the SECURE Act's 10-year rule, which requires non-spouse beneficiaries to liquidate inherited IRAs within a decade, often creating a significant tax burden for heirs in their peak earning years. The discussion covers the "Silo Effect"—the financial danger that occurs when a CPA, attorney, and advisor fail to coordinate—exemplified by families who draft complex trusts but fail to properly title and fund them, leading to unnecessary probate. _____________________ Educational Tool: Access the Retirement Plan Checklist to benchmark your current 401(k) and Social Security strategy against 2026 inflation. Topical Deep-Dive: Visit the Modern Wealth Education Center for informative content on withdrawal strategies and tax-efficient retirement planning. Fiduciary Consultation: To move from education to a personalized financial plan, you can schedule a meeting with our CFP® and CPA team._____________________ Chapters: 00:00 Proactive Tax Planning vs. Reactive Tax Prep  2:40 Relocation and Asset Access in Financial Planning  4:07 2026 Estate Tax Limits: $15M and $30M Exemptions  5:07 The Emotional Side of Inheritance: Helping Heirs Now vs. Later  6:15 Generational Wealth Accounts: Brokerage, Roth IRAs, and 529s  8:00 The Airplane Analogy: Putting Your Own Oxygen Mask On First  11:23 2026 Annual Gift Exclusion Rules: How to Gift Correctly  13:23 Strategic Gifting: How to Transfer $300k+ Annually Tax-Free  17:03 Gifting In-Kind: Leveraging 0% Capital Gains for Grandkids  19:26 Step-up in Basis: The Best Wealth Transfer Strategy?  21:54 The SECURE Act 10-Year Rule and Roth Conversions  23:24 Why Charitable Heirs Should Avoid Roth Conversions  26:11 The Silo Effect: Why Your Professionals Must Coordinate  28:12 Trust Funding Failure: Avoiding the Probate Trap ____________________ Sources: Presented by Corey Holstein, CPA, and Logan DeGraeve of Modern Wealth Management®. https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes    https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill     https://www.irs.gov/taxtopics/tc703    https://youtu.be/YiI7qjR0fXQ?si=c46LfHzc-cEhGe8b  https://www.americanbar.org/groups/real_property_trust_estate/resources/estate-planning/revocable-trusts/  https://youtu.be/bubZLJUdIlI?si=SEZYhTN5iaI_EmR-  https://youtu.be/ze1sYnh_VR8?si=Xjvd2ycXS-dO0IUp  https://youtu.be/B4mTbCUuFGE?si=tC2B0j6HZggOk45r  https://youtu.be/BdM-15mxEDM?si=0jFMRTao3Gbg1dG_  https://youtu.be/n_uePPhiZPE?si=25LMA21TmUe0UyFH  https://youtu.be/RmiJyyuhmj0?si=ovZe-AWqhyBjx9yp  ______________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Educational Tool: Access the Retirement Plan Checklist to benchmark your current 401(k) and Social Security strategy against 2026 inflation. Topical Deep-Dive: Visit the Modern Wealth Education Center for informative content on withdrawal strategies and tax-efficient retirement planning. Fiduciary Consultation: To move from education to a personalized financial plan, you can schedule a meeting with our CFP® and CPA team. The 2026 conflict in Iran and the closure of the Straits of Hormuz—a chokepoint for approximately 40% of the world's oil—have pushed energy prices above $100 per barrel, leading the Nasdaq and S&P 500 into correction territory. While the U.S. remains net energy independent, global pricing interconnectedness has triggered a 10% market pullback, requiring retirees to focus on portfolio rebalancing rather than emotional liquidations. This analysis features Dean Barber, Managing Director at Modern Wealth Management and David Mitchell, Managing Director at AllianceBernstein. We examine potential outcomes of the Iranian conflict, noting that Iran's population of 92 million and its control over global commodity inputs like helium and fertilizer make this vastly different from previous Middle Eastern conflicts. We also discuss the 2026 bear market in tech, citing Microsoft's 27% decline despite stable earnings, and the emergence of tax-exempt municipal bonds with taxable equivalent yields reaching the 7% range. Sources: Insights provided by David Mitchell of AllianceBernstein and Dean Barber of Modern Wealth Management. This session emphasizes the fiduciary duty to manage portfolios based on stick-to-itiveness and mathematical probability. https://www.gspublishing.com/content/research/en/reports/2023/09/05/d33a1656-f37e-4661-9111-f6fe593ffa8a.html  https://en.wikipedia.org/wiki/Demographics_of_Iran  https://www.eia.gov/outlooks/steo/  https://www.investopedia.com/terms/c/correction.asp  https://www.eia.gov/international/analysis/special-topics/World_Oil_Transit_Chokepoints  https://www.marketwatch.com/investing/index/dxy  https://www.morganstanley.com/im/en-us/institutional-investor/insights/articles/potential-gains-in-2026.html  https://www.marketplace.org/story/2026/03/30/oil-passed-100-a-barrel-prices-are-expected-to-keep-rising  https://www.macrotrends.net/1369/crude-oil-price-history-chart  https://www.cnbc.com/2026/03/30/powell-sees-inflation-outlook-in-check-no-wider-crisis-yet-in-private-credit.html  https://youtu.be/c7t_H6k2GW8?si=aGiID1fgUpzQ97wl  https://www.nasdaq.com/articles/1970s-flashback%3A-history-is-starting-to-rhyme-offering-a-road-map-of-how-to-profit  https://finance.yahoo.com/markets/stocks/articles/microsoft-just-had-worst-quarter-113000733.html?guccounter=1  https://www.pewresearch.org/politics/2026/03/25/americans-broadly-disapprove-of-u-s-military-action-in-iran/  https://www.wsj.com/world/middle-east/trump-iran-war-strait-of-hormuz-ee950ad4  https://www.youtube.com/watch?v=y3M7jdSxNY8  https://finance.yahoo.com/news/consumer-spending-has-powered-us-economic-growth-the-iran-war-is-testing-its-resilience-090043647.html?guccounter=1   ______________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Educational Tool: Access the Retirement Plan Checklist to benchmark your current 401(k) and Social Security strategy against 2026 inflation. Topical Deep-Dive: Visit the Modern Wealth Education Center for peer-reviewed instructional content on withdrawal strategies and tax-efficient portfolio design. Fiduciary Consultation: To move from education to a personalized Financial Independence plan, you can Schedule a Meeting with our CFP® and CPA team. A sustainable retirement income strategy for 2026 involves calculating the "post-retirement cash flow" deficit—the difference between total desired spending and guaranteed income sources like Social Security or pensions . To bridge this gap, retirees should consider utilizing a "three-bucket" framework that organizes assets into safe (1–2 years), moderate (3–7 years), and growth (10+ years) categories to ensure immediate liquidity while protecting against sequence of return risk. This analysis, featuring Dean Barber and Neal Falkenberry, CFA, details the shift from the near-zero interest rate environment of the previous decade to the 2026 landscape where taxable bonds yield 4–5% and tax-free municipal bonds offer approximately 3.5%. We explore the impact of the One Big Beautiful Bill Act, specifically the senior deduction that allows married couples over 65 with a gross income of $140,000 to qualify for a 0% capital gains rate. Furthermore, we address Medicare IRMAA (Income Related Monthly Adjustment Amount) surcharges, which increase premiums for those with a Modified Adjusted Gross Income (MAGI) exceeding $210,000. Sources: Presented by Dean Barber and Neal Falkenberry, a Chartered Financial Analyst (CFA) and Managing Director at Modern Wealth Management. This presentation emphasizes the fiduciary standard, providing objective education to combat high-commission financial sales tactics. This content was reviewed by internally to ensure compliance with tax law changes and fiduciary standards. How Americans are feeling about their finances as they age https://www.pewresearch.org/social-trends/2025/11/06/how-americans-are-feeling-about-their-finances-as-they-age/  Three Major U.S. Stock Indices (1990 -2000): https://www.researchgate.net/figure/Three-Major-US-Stock-Indices-1990-2000_fig2_272661669  Sequence of Returns Risk and Why Timing Matters: https://www.modwm.com/sequence-of-returns-risk-and-why-timing-matters/  2026 Tax Brackets: https://taxfoundation.org/data/all/federal/2026-tax-brackets/  The Great Recession - December 2007-June 2009 https://www.federalreservehistory.org/essays/great-recession-of-200709 

Education center: https://bit.ly/4boCDv9 Retirement Plan Checklist: https://bit.ly/47JolTm Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/KN5tIHSo3sY?si=I8fyj_cp_uz8sw_o  Sources:   https://www.irs.gov/forms-pubs/about-schedule-c-form-1040  https://www.modwm.com/how-filing-for-a-tax-extension-works/   https://www.irs.gov/payments/failure-to-file-penalty  https://www.irs.gov/payments/underpayment-of-estimated-tax-by-individuals-penalty  https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits  https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds  #retirementplanning #taxplanning  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education center: https://bit.ly/4sVDeu9 Retirement Plan Checklist: https://bit.ly/4rEy3O9 Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1 https://youtu.be/ze1sYnh_VR8?si=rss9H5ct9zwmE8Zo  https://youtu.be/KN5tIHSo3sY?si=N7w_n2iERZyl-FPy  https://youtu.be/sACQi2RIEvQ?si=rL90bf2mKSr4cA00  Sources: https://www.irs.gov/newsroom/check-your-eligibility-for-the-new-enhanced-deduction-for-seniors    https://v/learn/story/using-tax-brackets-to-manage-your-taxable-income  https://www.irs.gov/newsroom/questions-and-answers-on-the-net-investment-income-tax  https://bipartisanpolicy.org/issue-brief/how-the-new-charitable-deduction-floors-work/  https://www.irs.gov/newsroom/irs-marks-70th-anniversary-of-april-15-tax-filing-deadline  https://www.modwm.com/how-filing-for-a-tax-extension-works/    #retirementplanning #taxplanning  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/3N0r4kt Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/pHV0kG9xOdc?si=U-p06vNu8QyS1MO1  https://youtu.be/JVOnl_AKQoQ?si=LP8rD2UezYFbjHim  https://youtu.be/N8MiXAKTbmc?si=TQSl1xktZ7aHAvLT  https://youtu.be/bubZLJUdIlI?si=DEpuC8Hgv-ilMIJh  https://youtu.be/pFH4T8TA8WI?si=rYGAB7sPMYuWY9Sj  https://youtu.be/SJJGFC-0vkA?si=CYS5fLvCGzHNzhkn  https://youtu.be/KN5tIHSo3sY?si=F3l_olMQr9kREH6q  https://youtu.be/eEKbnn8svQ8?si=amJI8ppOjB-Jyjls  https://youtu.be/ze1sYnh_VR8?si=PN1z6EzJ1HLEU4a-  Sources: How much do I need to retire? https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire  Rightsizing vs. Downsizing: What Are the Differences? https://www.modwm.com/rightsizing-vs-downsizing/  How does medical inflation compare to inflation in the rest of the economy? https://www.healthsystemtracker.org/brief/how-does-medical-inflation-compare-to-inflation-in-the-rest-of-the-economy/    #retirementplanning #retirementgoals  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education center: https://bit.ly/3ONy04K Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1    https://youtu.be/SJJGFC-0vkA?si=BYerfilxAOPKkmJc  Sources: https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-research/womens-initiative/cfp-board_win_web.pdf  https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-rese arch/advancing-women-in-financial-planning-cfp-board-2025.pdf  https://www.cfp.net/industry-insights/reports-and-statistics/professional-demographics  #womeninfinance #financialplanning #jobopportunities  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Meet with us: https://bit.ly/4rpVwU1 Education center: https://bit.ly/4aDBfDb Retirement Plan Checklist: https://bit.ly/40jmYGQ Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1    https://youtu.be/RkUQah73S_Q?si=-TVrmVdsQyKDTeax  https://youtu.be/bubZLJUdIlI?si=iCwt6KFZ9IFLruMa  https://youtu.be/Ll3G37cCZMI?si=wwmst7BNE2UGSlyi  https://youtu.be/uUL3Q1VbkRc?si=qJSM4Cv2keUmcvwm  https://youtu.be/6UcLAmM6wtI?si=AmkJSYPLLMlqoPhL  Sources: https://www.modwm.com/gray-divorce-and-its-financial-impact/  https://pmc.ncbi.nlm.nih.gov/articles/PMC5279946/  https://newsroom.fidelity.com/pressreleases/love---money--most-couples-give-themselves-high-marks-in-communication--yet-fidelity-study-reveals-h/s/c15df94d-f289-4d2d-bb10-85424c803f8e  https://www.bgsu.edu/ncfmr/resources/data/family-profiles/allred-gray-divorce-rate-geo-var-2017-fp-19-20.html  https://www.modwm.com/retirement-plan-checklist/  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Meet with us: https://bit.ly/4tjvl2m Ed center: https://bit.ly/4rxbQlt Retirement checklist: https://bit.ly/46vMaNM Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/3Yn_m-k9Rk0  https://youtu.be/lSy5ggQWmn8  https://youtu.be/2eU3mv_rmr0  https://youtu.be/hN42aRqv-1g  Sources: https://www.ada.gov/topics/intro-to-ada/  https://www.westernsouthern.com/life-insurance/what-is-a-critical-illness-rider  https://www.cancer.gov/publications/dictionaries/cancer-terms/def/medical-power-of-attorney  https://www.aarp.org/caregiving/basics/memory-care-alzheimers-dementia/  https://www.investopedia.com/terms/s/sequence-risk.asp  https://www.modwm.com/sequence-of-returns-risk-and-why-timing-matters/  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4aQZv6x  Meet with Us: https://bit.ly/3LDIMtb  Retirement Checklist: https://bit.ly/3NadURD  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  5 Stealth Taxes To Watch Out For https://youtu.be/RCr6BLuG3qY  What Are The Tax Benefits of Charitable Donations? https://youtu.be/RmiJyyuhmj0  Roth Conversion Strategies Under the Big Beautiful Bill https://youtu.be/hQRWwtbY_dE    IRA RMD Requirements https://youtu.be/DF13FV4EhCU   The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8  Sources: https://www.modwm.com/catch-up-contributions-for-your-retirement-plan/  https://www.modwm.com/2026-401k-and-ira-contribution-limits/  https://www.ssa.gov/forms/ssa-44.pdf  https://www.modwm.com/donor-advised-funds/   https://www.modwm.com/2026-tax-brackets/  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/3LccpSl  Meet with Us: https://bit.ly/49krWIZ  Retirement Checklist: https://bit.ly/4b1DoKR  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/5CHb7BAAI2Q?si=iCDymwGcVQAMlwI5  https://youtu.be/N8MiXAKTbmc?si=-e8KTbg4aTDHFPJ7  https://youtu.be/ZmYxM_xBmmw?si=DwdU_5ElW_VCiuRy  https://youtu.be/uUL3Q1VbkRc?si=VuzAFZ4m6iA8ip7V  https://youtu.be/ze1sYnh_VR8?si=HZ1KHcxeOfhLbTey  https://youtu.be/uUL3Q1VbkRc?si=FThlCk2GzO4QUzO8  https://youtu.be/bubZLJUdIlI?si=tTZBHWt9rNeBf_7V  https://youtu.be/C7_GdgN502Q?si=VEGqXcL3tbePwobW  Sources: https://youtu.be/5CHb7BAAI2Q  https://youtu.be/N8MiXAKTbmc  https://youtu.be/ZmYxM_xBmmw  https://youtu.be/uUL3Q1VbkRc  https://www.modwm.com/donor-advised-funds/  https://youtu.be/C7_GdgN502Q  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4jyY8M2  Meet with Us: https://bit.ly/3N9FzCd  Retirement Checklist: https://bit.ly/49PHqVk  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/PmfNAwK6B9s  https://youtu.be/oPanexiISYE   https://youtu.be/RCr6BLuG3qY Sources: https://www.modwm.com/2026-tax-brackets/.     https://www.modwm.com/new-tax-provisions-one-big-beautiful-bill-act/    https://www.modwm.com/2026-401k-and-ira-contribution-limits/    https://www.modwm.com/social-security-cola-increase-for-2026/    https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles    https://www.whitehouse.gov/articles/2025/12/landmark-dell-gift-supercharges-trump-accounts-for-americas-kids/  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 Ep 50 Education Center: https://bit.ly/48Outta  Meet with Us: https://bit.ly/48S9F5D  Retirement Checklist: https://bit.ly/4j1cFzP  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   https://youtu.be/ze1sYnh_VR8  https://youtu.be/KifcDu_6UAI  Sources: https://www.irs.gov/newsroom/historical-highlights-of-the-irs  https://files.taxfoundation.org/legacy/docs/fed_individual_rate_history_nominal.pdf  #TaxTips #Income #Tax Planning   _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4qccGTM  Meet with Us: https://bit.ly/4q8ISri  Retirement Checklist: https://bit.ly/4shrp1U  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/C7_GdgN502Q?si=GU3T-nIemsTmh8K1   https://youtu.be/ze1sYnh_VR8?si=nRvqUbJbtNiL6onU  https://youtu.be/ze1sYnh_VR8  https://youtu.be/V23VSDjDkYw  https://youtube.com/shorts/PcYSYF9SZeA  https://youtube.com/shorts/p9wub7m2TI8  https://youtube.com/shorts/jcG6tmi8Epc  https://youtu.be/uUL3Q1VbkRc  https://youtu.be/2eU3mv_rmr0?si=HbiLmB1mqwxl-aTL  Sources:  Goldman Sachs, Morgan Stanley warn of a market correction: 'Things run and then they pull back'  https://www.cnbc.com/2025/11/04/goldman-sachs-morgan-stanley-warn-of-a-market-correction.html  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4oVmosU  Meet with Us: https://bit.ly/44wooAu  Estate Planning Guide: https://bit.ly/3KSSQxW  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Do You Have the Right Insurance Coverage?  https://youtu.be/WNsMrhaXPRQ?si=V0lzRcWuJHh_QDHI  Risk Management: Covering Your Assets, Before It's Too Late!  https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Retiring Early? Plan Your Insurance Before 65 https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Sources: https://www.thestreet.com/retirement/many-are-unprepared-for-long-term-care-needs  https://www.carescout.com/cost-of-care  https://youtu.be     https://youtu.be/58bvSP238pc?si=NNtInBtcNv_LcqXd  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 Ep 48. Education Center: https://bit.ly/48V35db  Meet with Us: https://bit.ly/48OQZCd  Tax Reduction Strategies: https://bit.ly/4q3X9p9  Retirement Checklist: https://bit.ly/4pD7Qzk  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8?si=PSDyL6si1k38AcmK  Sources:  https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations  https://www.irs.gov/pub/irs-drop/n-25-68.pdf  https://www.modwm.com/2025-401k-and-ira-contribution-limits/  #TaxTips #Income #Tax Planning   _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/495Nxoa  Meet with Us: https://bit.ly/4oOUoa4  Tax Reduction Strategies: https://bit.ly/4q4ZVdK  Retirement Checklist: https://bit.ly/4pzOcnH  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Do You Have the Right Insurance Coverage? https://youtu.be/WNsMrhaXPRQ?si=V0lzRcWuJHh_QDHI  Risk Management: Covering Your Assets, Before It's Too Late! https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Retiring Early? Plan Your Insurance Before 65 https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Sources: https://www.thestreet.com/retirement/many-are-unprepared-for-long-term-care-needs  https://www.carescout.com/cost-of-care  https://youtu.be     https://youtu.be/58bvSP238pc?si=NNtInBtcNv_LcqXd  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 47 Education Center: https://bit.ly/4oxyjwO  Meet with Us: https://bit.ly/3XAegCT  Tax Reduction Strategies: https://bit.ly/4peI3gq  Retirement Checklist: https://bit.ly/4posuDi  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   2025 Tax Brackets & Contribution Limits  https://youtu.be/KifcDu_6UAI  Inherited IRA Rules and the SECURE Act https://youtu.be/aR5xJhnrtSU  The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8  Sources: Ed Slott, America's IRA Expert https://storenfinancial.com/ed-slott/#:~:text=Ed%20Slott%20is%20a%20nationally%20recognized%20IRA,strategies%20into%20understandable%2C%20actionable%20and%20entertaining%20advice.  Catch-Up Contributions https://www.federalregister.gov/documents/2025/09/16/2025-17865/catch-up-contributions  Super Catch-up 401(k) Contributions: Are You Eligible to Make Them? https://www.modwm.com/super-catch-up-401k-contributions/  2025 401(k) and IRA Contribution Limits https://www.modwm.com/2025-401k-and-ira-contribution-limits/  #TaxTips #Income #Tax Planning   _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4427vNR Meet with Us: https://bit.ly/3KtKpsT Tax Reduction Strategies: https://bit.ly/4rzc24n Retirement Checklist: https://bit.ly/4pEoKx4 Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  7 Reasons NOT to Convert to a ROTH IRA https://youtu.be/ajbi8hkakn4?si=h6De9pZ1JG9KI-aj  The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8?si=rva0kEun3wNpBhvS  Sources: 2026 Tax Brackets: IRS Makes Inflation Adjustments https://www.modwm.com/2026-tax-brackets/  IRS releases tax inflation adjustments for tax year 2026, including amendments from the One, Big, Beautiful Bill https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill  Tax On Death Explained by  @taxleverage   https://youtube.com/shorts/hJiVrwTD5do?si=xdw6skMXabCKvlkx    _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 46 Education Center: https://bit.ly/48lVsfJ  Meet with Us: https://bit.ly/484nuNL  Retirement Checklist: https://bit.ly/4p048iJ  Tax Reduction Strategies: https://bit.ly/4okyifA  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   What is a QCD? Qualified Charitable Distributions https://youtu.be/vpdl1ZUlcNc?si=_TBI7CboNi9bFMtc  7 Reasons NOT to Convert to a ROTH IRA https://youtu.be/ajbi8hkakn4?si=HJultk0gJRDwG_Oy  Making the Most of Catch-Up Contributions https://youtu.be/ng129TKYiEQ?si=8Dste3S8NeuUcyKG  What are the Rules for RMDs on Inherited IRAs? https://youtu.be/43TvJ4lkyMk?si=5xd8tSHXzIibmA5M  Mega Backdoor Roth Strategy https://youtu.be/eEKbnn8svQ8?si=EDoDAlFGKFQm9goO  Sources: Annual QCD Limits for 2025 (IRS)  https://www.irs.gov/newsroom/give-more-tax-free-eligible-ira-owners-can-donate-up-to-105000-to-charity-in-2024  #TaxTips #Income #Tax Planning  _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/49DibGj  Meet with Us: https://bit.ly/3Kr8joL  Retirement Checklist: https://bit.ly/49GY8XB  Tax Reduction Strategies: https://bit.ly/3LVs9Jr  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  What Is a QCD? Qualified Charitable Distributions - America's Wealth Management Show https://youtu.be/vpdl1ZUlcNc?si=osuc1VAoiAKcFNYE  The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8?si=Me3T2uhrSxPuJUrY  Healthcare Costs for 2026: What You Need to Know https://youtu.be/JVOnl_AKQoQ?si=TijZekzNf_j3tJxy  What Is Modified Adjusted Gross Income? (MAGI) https://youtu.be/PmfNAwK6B9s?si=bU7YMnfEYcqrr3mi  What are the Rules for RMDs on Inherited IRAs? https://youtu.be/43TvJ4lkyMk?si=29zf4i327CXAuNWN  Sources: Standard Deduction vs. Itemized Deductions: Which Is Better? https://turbotax.intuit.com/tax-tips/tax-deductions-and-credits/tax-deduction-wisdom-should-you-itemize/L8Ln7K0Gp  2025 Amounts Relating to Retirement Plans and IRAs, as Adjusted for Changes in Cost-of-Living https://www.irs.gov/pub/irs-drop/n-24-80.pdf    #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4phV5JE  Meet with Us: https://bit.ly/3LNEDTm  Retirement Checklist: https://bit.ly/4r8IqKR  Tax Reduction Strategies: https://bit.ly/4o5fKQj  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Roth Conversion Decisions for 2025 https://youtu.be/E6hqI7fxjE4?si=NZvJl-JXB9Lu3ifV  Ed Slott's 5 BIG Things to Plan for in 2025 https://youtu.be/y78pryUDG7o?si=y_Csy2DfXdWjrEPG  Ed Slott's 5 New Important Things to Plan For https://youtu.be/RyOdpnfVU6g?si=NOXx1jKXvuvI-bt4  The Retirement Savings Time Bomb Ticks LOUDER with Ed Slott https://youtu.be/gCM5t1e7L78?si=fL7HJE3aCNoha2hL  Sources: Source: Annual QCD Limit for 2025 (IRS) Find a link to this source in the description. https://www.irs.gov/newsroom/give-more-tax-free-eligible-ira-owners-can-donate-up-to-105000-to-charity-in-2024  https://www.fidelity.com/retirement-ira/required-minimum-distributions-qcds    #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 44 Education Center: https://bit.ly/4hZj0eP  Meet with Us: https://bit.ly/47O05ic  Retirement Checklist: https://bit.ly/4nW5euK  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   What is Modified Adjusted Gross Income? (MAGI) https://youtu.be/PmfNAwK6B9s?si=wgLYfufJl2Bdx3zu  Capital Gains Rates in 2025 https://youtu.be/zjV_Xe2cpQQ?si=hGle8bIABcj3FGaj  Tax-Loss vs. Tax-Gain Harvesting https://youtu.be/MzdDOzQEAg8?si=NOCxGkEP9bw63WGl  #TaxTips #TaxPlanning #TaxPlan #investing  _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/49MKHVN  Meet with Us: https://bit.ly/47Svi3Y  Retirement Checklist: https://bit.ly/3JHiKnZ Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  What Happened During The Great Recession of 2008 https://youtu.be/JWvbKmfBOTo?si=eDGUFzfX8sBwDoEW  What's up with Gold? Why Gold Prices Are Soaring? https://youtu.be/c7t_H6k2GW8?si=NG_BJ13t9YEPIDK_  Sources: Tony's Book https://www.amazon.com/Private-Markets-Building-Better-Portfolios/dp/139431308X  Alternative Allocations with Tony Davidow https://www.alternativesbyft.com/alternative-allocations-podcast    #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 43 Get your journey off to a great start with our financial resources:  https://bit.ly/4n4vHpq  Meet with Us: https://bit.ly/4hbZmeQ  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   What is a Step-Up and Step-Down in Basis? https://youtu.be/AeXwwss0pGc?si=MTGJIjb2m_EcEl9o  Wills vs. Trusts: What's the Difference? https://youtu.be/IrJXd_vopDU?si=M4Xg71Yj7h02XWQE  Estate Tax vs. Inheritance Tax https://youtu.be/oPanexiISYE?si=wPEbZD9ttq8001fC  IRS - Gifts & Inheritances 1 https://www.irs.gov/faqs/interest-dividends-other-types-of-income/gifts-inheritances/gifts-inheritances-1  Tax Reduction Strategies: https://bit.ly/4n84DWn   Retirement Checklist: https://bit.ly/43av86k   #TaxTips #TaxPlanning #TaxPlan _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/3L5gtU1  Meet with Us: https://bit.ly/4owBVQF  Retirement Checklist: https://bit.ly/435m2rv  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1    The Great Wealth Transfer Is Upon Us https://youtu.be/gJaz5xMAU0k?si=UkDIsSQjLbhxqDaj  Sources: Cerulli Anticipates $124 Trillion in Wealth Will Transfer Through 2048 https://www.cerulli.com/press-releases/cerulli-anticipates-124-trillion-in-wealth-will-transfer-through-2048  This WSJ Poll Reveals a Huge Gender Gap on the Economy https://www.wsj.com/video/series/news-explainers/this-wsj-poll-reveals-a-huge-gender-gap-on-the-economy/105E7856-6FBB-4D23-A76A-8CC565719A7E?mod=Searchresults&pos=1&page=1  Money Stress Is Hurting Women's Overall Health https://www.ellevest.com/magazine/ellevest-financial-wellness-survey  Fed Data: https://www.federalreserve.gov/releases/z1/dataviz/dfa/distribute/chart/#range:1989.3,2024.1;quarter:138;series:Assets;demographic:generation;population:all;units:levels  USA Today Study: https://www.usatoday.com/money/blueprint/credit-cards/study-great-wealth-transfer-plans/  Ramsey Solutions Article: https://www.ramseysolutions.com/retirement/how-many-millionaires-actually-inherited-their-wealth   ________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Retirement Checklist: https://bit.ly/434WWct Meet with us: https://bit.ly/47Ld45o Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/JWvbKmfBOTo?si=F1Z6zyPM2bLwBnvJ  Sources: What Happened During the Great Recession? https://www.modwm.com/what-happened-during-the-great-recession/  What Was the Highest Price for Gold? https://investingnews.com/daily/resource-investing/precious-metals-investing/gold-  investing/highest-price-for-gold/  How gold became the world's refuge from uncertainty https://www.ft.com/content/97fd4dcd-f0df-4f98-a118-4a49c487ad3f  China Gold Reserves https://www.ceicdata.com/en/indicator/china/gold-reserves#:~:text=in%20Feb%202025%3F-,China%20Gold%20Reserves%20was%20reported%20at%20208.643%20USD%20bn%20in,table%20below%20for%20more%20data.  Gold Price History USD per Ounce https://www.bullionbypost.com/gold-price/gold-price-history/  Federal Reserve Meeting Fed Raises Rates Again https://www.nytimes.com/live/2023/07/26/business/fed-interest-rates  #gold #stockmarket #retirement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/47dVruP  Meet with Us: https://bit.ly/3Ww8Isy  Tax Reduction Strategies: https://bit.ly/3JvlNiN  Retirement Checklist: https://bit.ly/47eYovk  Cyber Security Risk Management: https://bit.ly/4nxYnYf  Sequence of Returns Risk: https://bit.ly/4hBFAKa  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Addressing Sequence of Returns Risk https://youtu.be/9P_HUmNuujE?si=JKCVuZt48LRx5ITP  Retiring at Market Highs - Barber Financial Group https://youtu.be/3trZTHOHsW0?si=9Yk1U2bwoZEmt3b0  Tax-Loss Harvesting vs. Tax-Gain Harvesting https://youtu.be/MzdDOzQEAg8?si=e-l-CFTlxc4UsgOq  5 REASONS to Have a Forward-Looking Tax Plan https://youtu.be/bubZLJUdIlI?si=ooOxWGcdSVuy8sxb  Sources: • FBI Internet Crime Complaint Center (IC3) - 2023 Elder Fraud Report: https://www.ic3.gov/Media/PDF/AnnualReport/2023_IC3ElderFraudReport.pdf  • USA Today Article on PayPal Phishing Scam: https://www.usatoday.com/story/news/nation/2025/07/01/paypal-phishing-scam-florida-couple/84415075007/  • Federal Trade Commission (FTC) on How to Recognize and Avoid Phishing Scams: https://www.ftc.gov/how-to-spot-recogn-and-avoid-phishing-scams  • FTC on Tech Support Scams: https://consumer.ftc.gov/articles/how-spot-avoid-and-report-tech-support-scams  • Explanation of Sequence of Returns Risk (Investopedia): https://www.investopedia.com/terms/s/sequence-risk.asp  • CNBC Article on Nicolas Cage's Financial History: https://www.cnbc.com/2018/01/19/how- nicholas-cage-once-blew-his-entire-150-million-fortune.html • SEC on Avoiding Investment Fraud (including Ponzi Schemes): https://www.investor.gov/protect-your-investments/fraud/types-fraud/ponzi-scheme  • Video Clip: News Report on AI Voice Cloning Scams: https://youtu.be/pJZYd_65xs4?  si=nZ8l2vZ6JQvdAHIx   • Video Clip: Example of a Tech Support Scam: https://youtu.be/ltI7DXrNQCA? si=H_KQySbtfbcW2lCk  _______________________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less 5 Stealth Taxes To Watch Out For Get your journey off to a great start with our financial resources:  https://bit.ly/47pjiGU Meet with Us: https://bit.ly/4hnuoAP Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   Tax Reduction Strategies:  https://bit.ly/4hpYBPx Retirement Checklist:  https://bit.ly/3WQOk5u _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Start your journey with our financial resources: https://bit.ly/48HXSqM Meet with Us: https://bit.ly/3Jn0uQm   Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Wills vs. Trusts: What's the Difference? https://youtu.be/IrJXd_vopDU?si=towLdrML9K2tQNWa  Generational Wealth Management https://youtu.be/nGDtTd34bRE?si=AUAeNWzrXV4OZ121  Turning 18 Checklist: Legal and Financial Checklist for Parents and Teens https://www.modwm.com/turning-18-checklist/  Check Your Beneficiaries! Don't Learn the Hard Way https://www.youtube.com/watch?v=wQEqhd8a4XY  Tax Reduction Strategies: https://bit.ly/4o3LF4k  Retirement Checklist: https://bit.ly/3J8XsiP  Sources: 5 Financial Planning Opportunities to Consider Before 2026 https://www.modwm.com/financial-planning-opportunities/  What Is Probate and Why Should I Avoid It?https://www.modwm.com/what-is-probate/  What Is a Living Trust and Do I Need One? https://www.modwm.com/what-living-trust-do-i-need-one/  10 Retirement Income Streams https://www.youtube.com/watch?v=FhUVtmkuCL0  Life Insurance in Retirement: Do I Still Need It? https://www.modwm.com/life-insurance-in-retirement/  Estate Planning Mistakes to Avoid with Tim Denker https://www.modwm.com/podcasts/estate-planning-mistakes-to-avoid-with-tim-denker/  Healthcare Costs During Retirement https://www.modwm.com/health-care-costs-during-retirement/  Financial Checklist After the Death of a Spouse https://www.modwm.com/financial-checklist-after-the-death-of-a-spouse/  Sample Financial Plan https://www.modwm.com/sample-financial-plan/  The Great Wealth Transfer Has Arrived https://www.modwm.com/the-great-wealth-transfer-has-arrived/  What to Do with Inheritance https://www.youtube.com/watch?v=B4mTbCUuFGE&feature=youtu.be  __________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 41 Tax Planning for the Next Generation Education Center: https://bit.ly/3LbWYsB  Meet with Us: https://bit.ly/3W3sawC  Tax Reduction Strategies: https://bit.ly/42HZUmT  Retirement Checklist: https://bit.ly/4ooQwwR  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   What is a Step-Up and Step-Down in Basis? https://youtu.be/AeXwwss0pGc?si=MTGJIjb2m_EcEl9o  Wills vs. Trusts: What's the Difference? https://youtu.be/IrJXd_vopDU?si=M4Xg71Yj7h02XWQE  Estate Tax vs. Inheritance Tax https://youtu.be/oPanexiISYE?si=wPEbZD9ttq8001fC  #TaxTips #TaxPlanning #TaxPlan _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Start your journey with our financial resources: https://bit.ly/4qd2awA  Meet with Us: https://bit.ly/3Wae8cy   Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  The Early Retiree's Guide to ACA Subsidies https://youtu.be/7kABojJY5fg?si=cgy6uGw88sQwjjgQ  What's an HSA and How Should You Fund It? https://youtu.be/KN5tIHSo3sY?si=NU4X8jsTaFM5Gw3R  Retiring Early? Plan Your Health Insurance Before 65 https://youtu.be/TWbLX8Y5sJ8?si=0qT8czrzWVRwdkwc  Tax Reduction Strategies: https://bit.ly/42K4P6W    Retirement Checklist: https://bit.ly/4odVEni   Sources: •    Fidelity Retiree Health Care Cost Estimate: https://soundmindinvesting.com/articles/retiree-health-care-costs-keep-rising-according-to-fidelity-study#:~:text=The%20company%20says%20a%2065,up%20from%20%24330%2C000%20last%20year.   •    https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e#_edn1#_ednref3 •    Genworth Cost of Care Survey: https://www.genworth.com/aging-and-you/finances/cost-of-care.html  •    IRS Rules & Contribution Limits for HSAs: https://www.irs.gov/publications/p969  •    Kaiser Family Foundation (KFF) on Health Costs: https://www.kff.org/health-costs/  __________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 40 Qualifying for ACA Subsidies Get your journey off to a great start with our financial resources: https://bit.ly/472pNAe  Meet with Us:  https://bit.ly/4nupP9X Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   Tax Reduction Strategies: https://bit.ly/46vyEKD  Retirement Checklist: https://bit.ly/4q3zMNs _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4nAYbZ8  Meet with Us: https://bit.ly/42mJGPT  Tax Reduction Strategies: https://bit.ly/46ZgukF  Retirement Checklist: https://bit.ly/3KmBEAz  Sequence of Returns Risk and Why Timing Matters: https://bit.ly/3IyOQ4J  Missouri Bill Aims to Eliminate Capital Gains Tax: https://bit.ly/479Mjq3 Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Tax-Loss Harvesting vs. Tax-Gain Harvesting https://youtu.be/MzdDOzQEAg8?si=SWMsiEMjqHVoPD-k  Required Minimum Distribution Case Study https://youtu.be/_t7XTSfU1po?si=WQbwICah-l672l32  Sources: • Medicare Open Enrollment (Medicare.gov): https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan  • IRS on Tax-Loss Harvesting & Capital Gains: https://www.irs.gov/taxtopics/tc409  • IRS on Qualified Charitable Distributions (QCDs): https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-distributions-withdrawals  • IRS 2025 Retirement Plan Contribution Limits (Note: Link reflects current data; will update when 2025 limits are finalized): https://www.irs.gov/newsroom/401k-limit-increases-to-23000-for-2024-ira-limit-rises-to-7000  • Vanguard on Rebalancing: https://investor.vanguard.com/investor-resources-education/portfolio-management/rebalancing-your-portfolio  • IRS on RMD Penalties (SECURE 2.0 Changes): https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs  • Medicare IRMAA Parts B & D Surcharges (Medicare.gov): https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-premiums  • IRS Rules for Beneficiaries (SECURE Act): https://www.irs.gov/retirement-plans/plan- participant-employee/retirement-topics-beneficiary https://www.ssa.gov/oact/STATS/table4c6.html   __________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 39 What to Expect From a Tax Advisor Education Center: https://bit.ly/3KPjvLC  Meet with Us: https://bit.ly/48GIQRS  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   Tax Reduction Strategies: https://bit.ly/42ZwD7d  Retirement Checklist: https://bit.ly/4gXPvcM _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Start your journey with our financial resources: https://bit.ly/46MY6Ks Meet with Us: https://bit.ly/4ntBoy3   Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Charitable Giving in Retirement https://youtu.be/VhtfUCjTesw?si=-JRM5WnlwekurLY_  2025 Withdrawal Strategy for Retirement https://youtu.be/8P8E95_287s?si=fJSXgl4me66qRGri  Are You Overpaying Your Taxes? https://youtu.be/1HOMhM2n4Bs?si=_RKjfnYgUfWWc1vZ  Tax Reduction Strategies: https://bit.ly/48JpFHd Retirement Checklist: https://bit.ly/4nul1kV 10 Ways to fight inflation in retirement: https://bit.ly/3Kuxq9U Sources: • Genworth Cost of Care Survey: https://www.genworth.com/aging-and-you/finances/cost-of-care.html  • FINRA on Diversification: https://www.finra.org/investors/learn-to-invest/key-investing-concepts/diversification  • IRS on Retirement Plan Distributions (Tax Treatments): https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-taxation-of-distributions  • IRS on Qualified Charitable Distributions (QCDs): https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras-distributions-withdrawals  • Fidelity on Beneficiary Designations (Replaces broken Kiplinger link): https://www.fidelity.com/viewpoints/personal-finance/beneficiary-blunders 

Tax Tips in 10 or Less Ep. 38 3 Things to Do With Your IRA Before 2026 Get your journey off to a great start with our financial resources: https://bit.ly/42aMFej Meet with Us: https://bit.ly/4nneXuH Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   How Does Volatility Impact RMDs? https://youtu.be/gp0-b-Hj5g8?si=GKexISxf_r_lJm7K   What's Your Required Beginning Date? https://youtu.be/vPE_PApP5ac?si=f3ueZc9bR8-Q62q Making the Most of Catch-Up Contributions https://youtu.be/ng129TKYiEQ?si=My0VlqHJ0h_q2Lw0 _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Start your journey with our financial resources: https://bit.ly/46qJTTg  Meet with Us: https://bit.ly/3Voi7BV   Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  5 Reasons TO Convert to a Roth IRA https://youtu.be/MEs5rh62m28?si=CZ9VJNcoEwqBdAMV  How Do In-Plan Roth Conversions Work? https://youtu.be/AxkfOUXYq-0?si=mAMXXjlRwAz27lfP  Claiming Social Security at 62, 67, or 70 https://youtu.be/UX-qusd6fZE?si=RodH2gUPsFIc49eD  Tax Reduction Strategies: https://bit.ly/4ptpNAB  Retirement Checklist: https://bit.ly/3I2bfar  Sources: Research, Statistics & Policy Analysis https://www.ssa.gov/policy/docs/quickfacts/stat_snapshot/2025-06.html  50+ Essential Retirement Statistics for 2024 https://www.annuity.org/retirement/retirement-statistics/  Calculate the cost of long-term care near you https://www.carescout.com/cost-of-care  The Average Monthly Social Security Check: August 2025 https://www.kiplinger.com/retirement/social-security/average-monthly-social-security-check#:~:text=When%20it%20comes%20to%20using%20data%2C%20averages,the%20numbers%20to%20get%20even%20more%20clarity  The average 401(k) balance by age https://www.empower.com/the-currency/life/average-401k-balance-age  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 36 Reducing Taxable Income with 3 Strategies Education Center: https://bit.ly/4m3oaqh  Meet with Us: https://bit.ly/3JXo3zg  Tax Reduction Strategies: https://bit.ly/4n0rmo2  Retirement Checklist: https://bit.ly/46v4eYN  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   Roth Conversions Before Retirement https://youtu.be/zAVdKffImgA?si=8GH9N1FL_1PgLO9y  Roth Conversions After Retirement https://youtu.be/LetCuugTXic?si=ixc-vvl2iihs9ny2  _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Start your journey with our financial resources: https://bit.ly/41KWz65 Meet with Us: https://bit.ly/4p8hxps   Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8?si=tcERQokSumNJijaw  Roth Conversion Decisions for 2025 https://youtu.be/E6hqI7fxjE4?si=oPSlRoDLr87Nhv_8  2025 IRMAA Brackets (Income-Related Monthly Adjustment Amount) https://youtu.be/bJheB6qKsvg?si=fsmNVeNCJgAUcnWA  Tax Reduction Strategies: https://bit.ly/46uYApz  Retirement Checklist: https://bit.ly/4mdF05Y  Subscribe to the Modern Wealth Management YouTube Channel so you never miss our Educational Series videos:  https://www.youtube.com/@MeetModernWealth?sub_confirmation=1 _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 35 Converting to a Roth IRA After Age 60 Get your journey off to a great start with our financial resources:  https://bit.ly/45U0Xkg   Meet with Us: https://bit.ly/4n4Fehf  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   5 Reasons TO Convert to a Roth IRA https://youtu.be/MEs5rh62m28?si=8cuFauGvQkLrkWT8  Roth Conversions Before Retirement https://youtu.be/zAVdKffImgA?si=GbZGXGGwhC-u-8k5  Roth Conversions After Retirement https://youtu.be/LetCuugTXic?si=5pGAYrFWURGoR86t  Tax Reduction Strategies: https://bit.ly/4mG0Xvz   Retirement Checklist: https://bit.ly/4mLJCRO   #TaxTips #TaxPlanning #TaxPlan _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Start your journey with our financial resources: https://bit.ly/4n65eYQ Meet with Us: https://bit.ly/4gaU3Mq   Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Mega Backdoor Roth Strategy https://youtu.be/eEKbnn8svQ8?si=yebIFMa7orM8Iyfn  Money Walks Episode 2 https://youtube.com/shorts/RzOqnbEIAwI?si=yZcPsrpBg-Veuzrj  Tax Reduction Strategies: https://bit.ly/45XTa5a  Retirement Checklist: https://bit.ly/4n7DJ1a  Sources: • Average 401(k) Balance by Age (Vanguard "How America Saves"): https://institutional.vanguard.com/content/dam/inst/iig-transformation/insights/pdf/2025/has/2025_How_America_Saves.pdf  • 401(k) Early Withdrawal Exceptions & Rule of 55 (IRS): https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions  • Required Minimum Distribution (RMD) Rules (IRS): https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs  • Explanation of Sequence of Returns Risk (Investopedia): https://www.investopedia.com/terms/s/sequence-risk.asp  • Reddit Post for 'Asking for a Friend': https://www.reddit.com/r/FinancialPlanning/comments/1h7qsyk/with_a_1_million_401k_couldnt_you_just_live_off/  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Tax Tips in 10 or Less Ep. 34 401(k) Withdrawal Rules Get your journey off to a great start with our financial resources:  https://bit.ly/45TWtdo Meet with Us: https://bit.ly/47b2K70  Tax Reduction Strategies: https://bit.ly/3JUdKvJ  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   Sources: 401(k) withdrawal rules: How to avoid penalties https://www.empower.com/the-currency/money/can-withdraw-401k-ira-penalty-free  What is the Rule of 55? https://www.fidelity.com/learning-center/personal-finance/what-is-rule-of-55  Substantially equal periodic payments https://www.irs.gov/retirement-plans/substantially-equal-periodic-payments  #TaxTips #TaxPlanning #TaxPlan  _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

How Much Do You Need to Retire? https://bit.ly/4mCifK8 Start your journey with our financial resources: https://bit.ly/3HuIG5e Meet with Us: https://bit.ly/47cynNx   Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  2025 IRMAA Brackets (Income-Related Monthly Adjustment Amount) https://youtu.be/bJheB6qKsvg?si=7O9-zA7kvnngMLZr  Sources: •       Americans Believe They Will Need $1.26 Million to Retire Comfortably According to Northwestern Mutual 2025 Planning & Progress Study https://news.northwesternmutual.com/2025-04-14-Americans-Believe-They-Will-Need-1-26-Million-to-Retire-Comfortably-According-to-Northwestern-Mutual-2025-Planning-Progress-Study  • Federal Reserve 2022 Survey: Survey of Consumer Finances  https://www.federalreserve.gov/publications/files/scf23.pdf  • Fidelity Estimate: Retiree Health Care Costs  https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e  • IRS Topic No. 701: Sale of Your Home (Section 121 Exclusion)  https://www.irs.gov/taxtopics/tc701  • Reddit Thread: r/Medicare - IRMAA help?  https://www.reddit.com/r/medicare/comments/1ijxeed/irmaa_help/?rdt=48397  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Education Center: https://bit.ly/4lFi3Zf  Meet with Us: https://bit.ly/4oM3ndp  Tax Reduction Strategies: https://bit.ly/3UzcsZp  Retirement Plan Checklist: https://bit.ly/41icf0u  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   What to Do with Inheritance https://youtu.be/B4mTbCUuFGE?feature=shared  Wills vs. Trusts: What's the Difference? https://youtu.be/IrJXd_vopDU?feature=shared  IRA RMD Requirements https://youtu.be/DF13FV4EhCU?feature=shared  Tax Strategies for High Income Earners https://youtu.be/8S6Dc9TqMVc?feature=shared