Many people know long-term care is expensive and that theymight need it one day, but they haven’t actually addressed it in their retirement plan. As a result, the concern often lingers in the background like a dark cloud.

In this episode, Tony Leonardi, CFP® explains how to stopavoiding the issue and start dealing with it practically using the Live On vs Leave On framework.

You’ll learn:

- Why leaving long-term care unaddressed creates unnecessarystress

- How to quantify the potential cost of care

- Three realistic ways to handle long-term care:Self-insuring with Leave On assets, Traditional long-term care insurance, andHybrid (asset-based) policies

- The pros and cons of each approach and how they impactyour overall plan

If you’ve been putting off long-term care planning becauseit feels overwhelming, this episode will help you think about it more clearly and make a conscious decision.

**Free Resources:**

- Take the Smart Retirement Strategy Quiz:LeonardiFamilyWealthcare.com/quiz

- Download the Roth IRA Conversion Playbook and Smart TaxShield Legacy Playbook (free on our website)

**Timestamps:**

00:00 – Introduction 

01:45 – Why Long-Term Care Planning Often Gets Ignored 

04:20 – Step 1: Quantify the Potential Cost 

06:10 – Option 1: Self-Insuring with Leave On Assets 

08:45 – Option 2: Traditional Long-Term Care Insurance 

11:20 – Option 3: Hybrid / Asset-Based Policies 

14:30 – Final Thoughts & Smart Retirement Model Offer

If you have substantial retirement savings and want helprunning the numbers on long-term care, book a complimentary 15-minute call atLeonardiFamilyWealthcare.com.

#LongTermCare #RetirementPlanning #LiveOnVsLeaveOn#TaxStrategy #LegacyPlanning

Most retirees make one costly mistake — they treat all their retirement savings the same way. But not all retirement dollars have the same purpose.

In this webinar, Tony Leonardi, CFP®, explains the critical distinction between Live On Assets (money you’ll spend during retirement) and Leave On Assets (money intended for your children and grandchildren).

You’ll learn:

-Roth IRA Conversion Playbook (2026 Edition)

-Smart Tax Shield Legacy Playbook

-Smart Retirement Strategy Quiz (18 unique retireeprofiles)

Free Resources Mentioned:

-Roth IRA Conversion Playbook (2026 Edition)

-Smart Tax Shield Legacy Playbook

-Smart Retirement Strategy Quiz (18 unique retireeprofiles)

All available for free at LeonardiFamilyWealthcare.com

Timestamps: 00:00 – Introduction & Agenda

02:30 – The Costly Mistake Most Retirees Make

05:45 – Live On vs Leave On Assets Explained

09:20 – How We Calculate Your Two Buckets

14:10 – Why This Distinction Matters (Taxes, Risk& Legacy)

20:40 – Real Client Examples ($1.5M and $4M Portfolios)

28:15 – Smart Strategies for Each Bucket

35:00 – The Smart Retirement Strategy Quiz38:20 – Complimentary Smart Retirement Model Offer

If you have substantial retirement savings and want a more personalized plan, book a quick 15-minute call with Tony at LeonardiFamilyWealthcare.com.

#RetirementPlanning #LiveOnVsLeaveOn #TaxStrategy #LegacyPlanning#RetirementLegacy #SmartRetirement

If you have $1.5 million or more in retirement accounts — and you don’t actually need all of it to live on comfortably — this episode is for you.

In this video, Tony Leonardi, CFP®, reveals the hidden problem that affects many successful savers: Without proper planning, the IRS can end up as one of your largest “heirs” — taking two bites at the same retirement savings.

You’ll learn:

-Why RMDs and the 10-year inherited IRA rule can cost your family hundreds of thousands (or more) in taxes

-The critical distinction between Live On assets (for you) and Leave On assets (for your heirs)

-How to structure your plan more intelligently for both your lifestyle and your legacy

Whether you have strong pension income, substantial non-retirement savings, or simply more in IRAs and 401(k)s than you need, this episode will show you how to avoid the common traps most successful savers fall into.

Take the Free Smart Retirement Strategy Quiz Discover which of the 18 retiree profiles best matches your situation: → LeonardiFamilyWealthcare.com/quiz

Free Guides Mentioned:

-Roth IRA Conversion Playbook (2026 Edition)

-Smart Tax Shield Legacy Playbook

Both available for free on my website.

Timestamps: 00:00 – Introduction: The $1.5M+ Retirement Trap

02:10 – Why the IRS Takes Two Bites at Your Savings

05:30 – Live On vs Leave On Assets Explained09:15 – Real Impact on You and Your Heirs

12:40 – The Smart Retirement StrategyQuiz

14:20 – Next Steps & Complimentary Smart Retirement Model Offer

If you have substantial retirement savings and want a smarter, more personalized plan, book a quick 15-minute call with me:LeonardiFamilyWealthcare.com

#RetirementPlanning #TaxStrategy #LegacyPlanning #SmartRetirement#HighNetWorth #RetirementTrap

Most retirement advice is too generic. That’s why I created the Smart Retirement Strategy Quiz — it identifies which of the 18 unique retiree profiles best matches your situation.

In this episode, Tony Leonardi, CFP® explains the four key questions behind the quiz and shares three common profiles so you can start thinking about where you fit.

You’ll learn:

Live On vs Leave On assets and why it matters

The “two bites” problem with inherited IRAs

How your tax focus, charitable goals, and concern about running out of money shape your ideal plan

Tailored resources based on your profile (including the Smart Tax Shield Legacy Playbook and Roth Conversion Playbook)

Take the free quiz here: https://form.typeform.com/to/jKGvC0CS

LeonardiFamilyWealthcare.com

Timestamps: 00:00 – Introduction to the Smart Retirement Strategy Quiz

01:30 – The Four Key Questions

04:20 – The Two Bites Problem

06:10 – Three Sample Profiles09:30 – What You’ll Get + Tailored Resources

11:45 – Next Steps & Smart Retirement Model Offer

#SmartRetirement #RetirementQuiz #RetirementPlanning #LiveOnVsLeaveOn#TaxStrategy

New in 2026 — Trump Accounts (Section 530A) give families apowerful way to save for children and grandchildren with tax-deferred growth and a $1,000 government seed contribution.

In this episode, Tony Leonardi, CFP® breaks down:

- Who qualifies and how to open an account

- Contribution limits and growth potential (including realnumbers at 6% and 7%)

- How Trump Accounts compare to 529 plans, UGMA/UTMA,brokerage accounts, and Roth IRAs

- Why grandparents should strongly consider this tool forgenerational wealth

Whether you’re a parent or grandparent, this is one of thebest new opportunities to give kids a financial head start.

**Timestamps:**

00:00 – Introduction to Trump Accounts

02:10 – Key Features & Eligibility

04:30 – How to Open an Account

07:45 – Growth Projections at 6% and 7%

12:20 – Comparison with 529s, UGMA, and Roth IRAs

17:00 – Action Steps & Modeling Offer

Ready to see how this fits into your family plan? Book afree 15-minute call and I’ll run your Smart Retirement Model.

Link: LeonardiFamilyWealthcare.com

#TrumpAccounts #Section530A #SavingForKids#GrandparentWealth #RetirementPlanning #FinancialPlanning

If you have a large estate and want to support causes you care about while potentially reducing taxes for your children, a Charitable Lead Trust (CLT) may be worth exploring.

In this episode, Tony Leonardi, CFP®, breaks down how Charitable Lead Trusts work, who they’re best suited for, and how they can help reduce the taxable value of assets passed to the next generation.

You’ll learn:

How a CLT flips the traditional trust structure — paying charity first, then passing remaining assets to your heirs

A realistic example of a $42 million estate and how a CLT couldpotentially save $2M – $3.5M+ in estate taxes

Key advantages, risks, and important considerations before moving forward

Why this strategy is mainly an estate tax tool (not an income tax tool)

This is an advanced planning strategy — not for everyone — but it can bevery powerful for the right family.

Timestamps: 00:00 – Introduction to Charitable Lead Trusts 01:45 – How a CLT Works03:20 – Real Example: $42 Million Estate 06:10 – Potential Tax SavingsBreakdown 09:30 – Important Risks & Considerations 12:15 – Who ThisStrategy May Be Right For 14:00 – Next Steps & Smart Retirement Model Offer

If you're concerned about estate taxes and want to explore smarter ways to support charity while protecting your legacy, this episode is for you.

👉 Ready to see how strategies like thiscould impact your plan? Book a complimentary 15-minute call and I’ll build yourSmart Retirement Model at no cost or obligation: →LeonardiFamilyWealthcare.com

Free Resources: • Smart Tax Shield Legacy Playbook → • Roth IRA ConversionPlaybook 2026 → LeonardiFamilyWealthcare.com

#CharitableLeadTrust #EstateTaxPlanning #LegacyPlanning#RetirementPlanning #TaxStrategy #CFP

Tony Leonardi, CFP®, breaks down Charitable Remainder Trusts (CRTs) — an advanced planning strategy that may help individuals with appreciated assets potentially reduce capital gains taxes, generate lifetime income, and support charitable causes.

In this episode, Tony walks through how CRTs work, shares a detailed example of a business owner comparing an outright sale versus using a CRT, and discusses important considerations including irrevocability and whether thisstrategy is a fit for your situation.

This episode is designed for educational purposes. Any advanced planning strategy should be reviewed with your full advisory team.

If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children.

The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to withdraw over 10 years.

In this episode I show you the real cost with clear examplesand introduce four practical strategies under the Smart Legacy Tax Shield that let you pay tax once instead of twice.

Download the free Smart Tax Shield Legacy Playbook

Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com

#LeaveOnAssets #SmartLegacyTaxShield #RMD #TaxPlanning#LegacyPlanning #SmartRetirement

Most retirees never separate their Live On assets (moneythey’ll spend) from their Leave On assets (money for heirs). This one mistake often leads to higher taxes, unnecessary risk, and a smaller legacy.

In this episode I walk through the simple way to calculatethe split and share the four most effective strategies to minimize taxes on the money you actually need to live on — including Roth conversions, QCDs, smart withdrawal sequencing, and proper asset allocation.

Download the free **Smart Tax Shield Legacy Playbook** →

Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com

#LiveOnAssets #RetirementTaxPlanning #RMD #QCD#SmartRetirement

Last week we talked about paying tax once instead of twice.This week we go deeper: the critical difference between **Live On assets**(money you’ll spend) and **Leave On assets** (money for your heirs).

Most people treat all their retirement accounts the same way— but once you separate them into these two buckets, everything changes:investment strategy, tax planning, and withdrawal approach.

In this episode I show you:

- How to calculate your Live On vs Leave On split

- Why each bucket should be invested and taxed differently

- A real client example where separating the bucketsimproved their probability of success from 78% to 94%

If you have substantial retirement savings and some of thosedollars are intended for the next generation, this could be one of thehighest-leverage planning steps you can take.

Download the new **Smart Tax Shield Legacy Playbook** (free)– link in description 

Book your free Smart Retirement Model session →LeonardiFamilyWealthcare.com

#LiveOnVsLeaveOn #RetirementPlanning #AssetAllocation#TaxPlanning #LegacyPlanning #SmartRetirement