America's Wealth Management Show

Retiring before 65? Learn how Roth conversions unlock up to $20,000 in ACA health insurance subsidies and avoid costly Medicare IRMAA cliffs.

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Chapters: 0:27 - Pre-Medicare Gap Years: Why healthcare is the #1 reason people delay retirement to 65 1:58 - What do Roth conversions have to do with pre-Medicare healthcare costs? 3:44 - The $86,660 Subsidy Cliff: How 400% of the Federal Poverty Line impacts joint filers 4:22 - How can I spend $10,000/month and still qualify for maximum healthcare subsidies? 6:04 - The ROI of Roth: Spending $10,000 on conversion taxes to save $20,000 on health premiums 07:50 - What are Medicare Part B premiums and how does the IRMAA 2-year lookback work? 8:12 - The IRMAA Cliffs: Why $1 over $218k or $274k spikes Medicare premiums to $300–$450/mo 08:55 - How combining Roth distributions and Social Security can create a $0 tax bill

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youtube.com/@MeetModernWealth

Check out our other videos: • Are You Ready to Live to 95? How the MIT A... • Social Security Income Strategy 2026 with ... • Taxes on Retirement Income: What Taxes Wil... • How Much Should I Have Saved for Retiremen... • What to Do After a Spouse Dies: How Does i...

Sources available on request.

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, insurance, 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.

Roth conversions look completely different in your 50s, 60s, and 70s. Learn how to supercharge conversions, protect ACA subsidies, and defuse RMD tax bombs.

Retirement Checklist: https://bit.ly/4yJ60R1 Get your Modern Confidence Score: https://bit.ly/3Uivh6E Meet with us: https://bit.ly/3Un31j1 Education center: https://bit.ly/4zU30Co

Chapters: 0:00 - Why does my Roth conversion strategy look completely different by decade? 3:54 - How does $10,000 in outside cash unlock $41,666 in Roth assets at 24%? 7:53 - How do the two 5-year rules apply to 401(k)s and Roth IRAs? 10:40 - Fact or Fiction: Dec 28 conversions, 10% penalties, and RMD restrictions

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG https://youtu.be/0aTNMm24d3g https://youtu.be/AnHLRhM2xw8 https://youtu.be/A0qJfqNXG7k

Sources available on request.

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, insurance, 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.

Deferring an inherited $1M IRA can push your tax rate from 23% to 37%. Learn the rules to avoid IRS penalties under the 10-year rule.

Retirement Checklist: https://bit.ly/4sctP23 Get your Modern Confidence Score: https://bit.ly/4dDsH1u Meet with us: https://bit.ly/4ztxACH Education center: https://bit.ly/4evqJ3r

Chapters: 01:06 - The Non-Spouse Inherited IRA Tax Trap: Why a $1M gift creates a tax liability 6:21 - The Death of the Stretch IRA: How the SECURE Act eliminated lifetime distributions 8:11 - The Trust Tax Trap: Why naming a trust triggers a 37% tax rate at just $16,000 9:45 - The Required Beginning Date (RBD) Rule: April 1st after age 73 14:38 - How to talk to aging parents about their traditional IRA tax liability 24:02 - 3 Strategies for beneficiaries inheriting an IRA 32:16 - Why any estate plan or trust drafted before 2020 should be updated immediately

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG https://youtu.be/0aTNMm24d3g https://youtu.be/AnHLRhM2xw8 https://youtu.be/A0qJfqNXG7k

Sources available on request.

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, insurance, 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.

Social Security's trust fund faces depletion by Q4 2032, triggering a potential 22% haircut. Discover how to stress-test your benefit and avoid panic filing.

Retirement Checklist: https://bit.ly/3VLNcTw Get your Modern Confidence Score: https://bit.ly/4dxY3Xo Meet with us: https://bit.ly/4yN0Ynx Education center: https://bit.ly/4e4L1Re

Chapters: 1:18 - Is Social Security actually going away or is it fear-mongering? 2:21 - How does the 12.4% pay-as-you-go payroll tax work? 3:30 - What is the $184,500 wage cap and why is Congress debating it? 6:51 - Why am I being taxed on my Social Security benefits? 8:41 - What happens if Congress does nothing? The 22% benefit haircut 12:30 - Should I claim Social Security at 62 to get my money before it runs out? 16:40 - Myth 1: Is Social Security going completely bankrupt? 17:52 - Myth 2: Did Congress raid and steal the Social Security trust fund? 19:15 - Myth 3: If I am under 40, will Social Security be completely gone? 20:56 - Myth 4: Does filing early protect me from future benefit cuts?

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG https://youtu.be/0aTNMm24d3g https://youtu.be/AnHLRhM2xw8 https://youtu.be/A0qJfqNXG7k

Sources available on request.

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, insurance, 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.

Discover the 10 stress tests and 3-bucket strategy that could potentially help prevent you from outliving your savings?

Retirement Checklist: https://bit.ly/3UdQwX2 Get your Modern Confidence Score: https://bit.ly/4AVnCeL Meet with us: https://bit.ly/4s12Bvm Education center: https://bit.ly/4jKQXCw

Chapters: 0:00 - When are you going to die? The number one risk in retirement. 1:40 - What is longevity risk and why does it amplify all other retirement risks? 4:02 - What are the 10 core areas you must stress-test in your financial plan? 11:38 - What is sequence-of-returns risk and why does withdrawal timing matter?

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG https://youtu.be/0aTNMm24d3g https://youtu.be/AnHLRhM2xw8 https://youtu.be/A0qJfqNXG7k

Sources available on request.

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, insurance, 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.

Uncle Sam is your silent partner in retirement. Learn 5 tax strategies, and other helpful information regarding retirement taxes.

Retirement Checklist: Retirement Plan Checklist: https://bit.ly/3TcNXnS Get your Modern Confidence Score: https://bit.ly/4dhfdIF Meet with us: https://bit.ly/4hAIYFz Education center: https://bit.ly/3W1U52Y

Chapters: 0:00 - Cold Open: How $1 over an IRMAA bracket spikes your Medicare premium 3:44 - 5 Bite-Sized Segments: Managing your retirement tax bill 6:15 - Why withdrawals from pre-tax 401(k)s and IRAs are taxed as ordinary income 12:20 - 2026 Tax Rules: Standard deductions and the $6,000 Senior Tax Deduction 17:24 - What is Tax Gain Harvesting and how do I reset my stock cost basis? 27:10 - What is Medicare IRMAA and how does $1 over the bracket trigger a cliff? 29:05 - How to appeal Medicare IRMAA surcharges using IRS Form SSA-44

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/V6WM3iE0iow https://youtu.be/A0qJfqNXG7k https://youtu.be/AnHLRhM2xw8 https://youtu.be/ETdot5JU504

Sources available on request.

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, insurance, 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.

59 million family caregivers deliver $1 Trillion in unpaid care annually. Learn the 5-step checklist to supervise care without draining your nest egg.

Retirement Checklist: Retirement Plan Checklist: https://bit.ly/4y60QiE Get your Modern Confidence Score: https://bit.ly/3Tgx6QW Meet with us: https://bit.ly/4xC93tY Education center: https://bit.ly/4AmJvmX

Chapters: 0:00 - Reaction Video: Why long-term care tears unprepared families apart 1:02 - Introducing the 5-Step Long-Term Care Checklist 3:10 - Step 1: What is long-term care and what options exist beyond nursing homes? 6:18 - Step 2: What is the true financial cost of nursing homes and in-home care? 9:57 - Step 3: How do I stress-test my retirement plan for a $130,000/year care stay? 15:04 - Step 4: What are the 5 main options for funding long-term care? 21:48 - Step 5: How do I hold a family meeting so my kids supervise care instead of providing it?

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/BShJFw8MmK4

Sources available on request.

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.

Unplanned RMDs and category inflation can double your living costs and trigger Medicare surcharges. In today's episode we tackle 5 Retirement Plan Checklist Items!

Retirement Checklist: Retirement Plan Checklist: https://bit.ly/4yC6sAR Get your Modern Confidence Score: https://bit.ly/4huGyJI Meet with us: https://bit.ly/4xtqtZy Education center: https://bit.ly/4yifnrL

Chapters: 0:00 - Retirement Roulette: Spinning the Retirement Planning Checklist 0:41 - Topic 1: Why will my taxes and Medicare premiums increase in retirement? 4:05 - Topic 2: How do I plan a flexible budget for travel and unplanned home repairs? 7:08 - Topic 3: Why did stocks and bonds drop together and how do I fix my fixed income? 11:25 - Topic 4: What is the correct tax withdrawal order for my 3 account buckets? 17:50 - Topic 5: How does category-specific inflation double my cost of living?

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw

Sources available on request.

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 SECURE Act requires most inherited IRAs to be emptied in 10 years. Learn how to navigate RMD rules and the potential 25% IRS tax penalty.

Get your Modern Confidence Score: https://bit.ly/4xGJHf6 Meet with us: https://bit.ly/4ykyDnK Education center: https://bit.ly/46bP75V

0:45 - Welcome to America's Wealth Management Show with Dean Barber RFC® & Chris Rett CFP®. 2:05 - What is the SECURE Act 10-Year Rule for inherited IRAs? 4:30 - How did the 2019 SECURE Act eliminate the original Stretch IRA strategy? 7:07 - What is the IRS excise tax penalty if I miss an inherited IRA distribution? 8:57 - Why inheriting an IRA during my peak earning years creates a major tax trap 13:08 - Why is Congress using inherited IRAs as a hidden "death tax"?

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw

Sources: https://www.irs.gov/pub/irs-drop/td-10001.pdf https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs

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.

Discover 5 wealth protection strategies that could possibly defend your nest egg against crashes, taxes, and inflation.

Get your Modern Confidence Score: https://bit.ly/4iKfirz Meet with us: https://bit.ly/46Bny5U Education center: https://bit.ly/4cUSIsC

Video Chapters: 0:33 - Introduction: 5 Wealth Protection Strategies with Dean Barber & Chris Rett 1:37 - Strategy 1: How do I avoid unnecessary market and concentration risk? 12:17 - Strategy 2: How do my CFP and CPA work together to lower my lifetime taxes? 15:14 - Strategy 3: How do I audit my risk profile? 18:58 - Strategy 4: How do I plan for healthcare and memory care inflation? 21:50 - Strategy 5: How do I structure my estate plan to pass wealth to my heirs? 24:24 - Conclusion: Defending what you've built

Send us a questions to be featured on the show at: [email protected]

For more educational content visit: https://www.youtube.com/@MeetModernWealth

Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw

Sources: • https://statoasis.com/post/sp500-drawdowns-since-1870 • https://www.usinflationcalculator.com/inflation/historical-inflation-rates/ ______ 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.