Educational Videos

Roth conversions seem to be everywhere these days.But before deciding whether a Roth conversion makes sense, I believe there’s a more important question to answer:What are you actually optimizing for?In this video, I walk through the case of a 60-year-old woman with approximately $1.2 million saved who wanted to know whether Roth conversions should be Learn More

Many people assume that once they retire and start withdrawing money from their investments, their portfolio will gradually decline over time.But that’s often not what happens.In fact, some retirees find themselves several years into retirement with more money than they had when they first stopped working.In this video, I explain why that can happen and Learn More

Most retirement planning discussions focus on investments, taxes, Social Security, and healthcare.But there is another retirement issue that often gets overlooked:What happens when other people know how much money you have?Many retirees assume that sharing financial details with family and friends is harmless. Sometimes it is. But over the years, I’ve seen situations where wealth Learn More

Many people spend years preparing financially for retirement but feel surprisingly uncertain about one specific area: healthcare.And often, it is not because they have not saved enough.It is because the rules feel complicated, the costs feel unpredictable, and the decisions seem interconnected in ways that are hard to fully see until someone lays them out Learn More

Most married couples think about Social Security as a retirement income decision.What many do not realize is that it is also a survivor planning decision.In this video, I walk through a real retirement scenario showing how one Social Security claiming decision can create a difference of more than $1,700 per month for the surviving spouse Learn More

Most couples build their retirement plan assuming both spouses will live a long life together.But one of the biggest blind spots in retirement planning is asking:What happens if one spouse passes away much earlier than expected?In this video, I walk through a real retirement planning case study and show how the loss of one spouse Learn More

There’s a tax benefit in retirement that almost everyone has heard of: the 0% capital gains rate.And on the surface, it sounds simple. If your income is low enough, you can sell appreciated investments and potentially pay no tax on the gain.But in practice, it’s rarely that straightforward.In this week’s video, I walk through a Learn More

In this video, I walk through a real retirement planning example of a couple who thought they had about $1.3 million saved for retirement… which they did. But when we looked at it a little differently, they actually had over $3 million when you account for the full picture.Not because of anything hidden or complicated, Learn More

You can do everything right leading up to retirement and still not feel confident once you get there.That is something I hear all the time.In this video, I walk through why having one point eight million saved or any amount that looks solid on paper does not always translate into feeling secure in retirement.It is Learn More

Most people do not realize it, but they may be leaving thousands of dollars on the table in the early years of retirement.Not because they did something wrong. But because of how they are taking income and the order those decisions are being made.In this video, I walk through a real example of a couple Learn More