Phased out of Roth IRA contributions in 2026? Learn how the Backdoor and Mega Backdoor Roth rules can open up to $72,000 in potential tax savings this year. Get your Modern Confidence Score here: yourconfidencescore.com

Meet with us: https://bit.ly/4vaWAge

Education center: https://bit.ly/4oAbsSY

Retirement Plan Checklist: Retirement Checklist

Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC

Sources: 2026 401(k) and IRA Contribution Limits https://www.modwm.com/2026-401k-and-ira-contribution-limits/

401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500

https://youtube.com/shorts/S6j73TdwHMo?si=GC8PVn76y2grlock

https://www.youtube.com/shorts/S6j73TdwHMo

IRS Newsroom: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500: [https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500

https://investor.vanguard.com/investor-resources-education/iras/roth-ira-income-limits

https://www.tiaa.org/public/retire/financial-products/iras/ira-contributions-tax-benefits/income-and-deduction-limits

TIAA Wealth Management: 2026 catch-up contribution limits: [https://www.tiaa.org/public/invest/services/wealth-management/perspectives/catch-up-contributions-2026

MissionSquare: 2026 Retirement Plan Contribution Limits (401k, 457(b) & More): [https://www.missionsq.org/plan-sponsors/plan-rules/contribution-limits _____ 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.

Get your Modern Confidence Score here: yourconfidencescore.com

Meet with us: https://bit.ly/4vG69U7

Education center: https://bit.ly/4ewgoEV

Sources: Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC.

• https://www.investmentnews.com/retirement-planning/vanguard-fidelity-data-show-new-record-highs-in-401k-savings/265542 • https://www.ebri.org/content/2026-retirement-confidence-survey-finds-americans-less-confident-about-retirement-as-worries-grow-over-social-security--medicare-and-rising-costs • https://youtube.com/shorts/K45hy_Tq7Uw?si=JGBrroGZNIHMNKN4 • https://finance.yahoo.com/news/retirement-outlook-gen-z-wants-170327130.html? guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALyeLSPtCYrrhFL8PnBk-bi9NMGvubqp9NluFgfL0liOr2JqcuS2FHLne8NJCHiPpFoLS_GEKaYeRfzKpBkdJ1064Qk2G8EKSaIBUvQV9-hZTv4QAsZoIA7ZPYOP1K8W7VL0r4bWrk2bB8riAapW2WhMeKZYEsPJ2Gw9jhSzQLg7&guccounter=2 • https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings • https://theconversation.com/why-is-climbing-mount-everest-so-dangerous-206099 • https://www.ebri.org/docs/default-source/rcs/2026-rcs/2026-rcs-release-report.pdf? sfvrsn=1229022f_1 • https://workplace.vanguard.com/insights-and-research/report/previewing-how-america-saves-2026.html • https://www.modwm.com/2026-401k-and-ira-contribution-limits/

_____ 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.

Morningstar lowered the safe withdrawal rate to 3.9%. Learn how the utilization of a static rate may not actually be optimal.

Get your Modern Confidence Score here: yourconfidencescore.com

Meet with us: https://bit.ly/4o42NHY

Education center: https://bit.ly/4uy9KmB

Retirement Plan Checklist: Retirement Checklist

What is a safe withdrawal rate for my retirement portfolio? You should move past static retirement metrics. While Morningstar's updated research establishes a conservative, baseline safe withdrawal rate of 3.9% to counter 2026 market realities, executing a single flat percentage over a multi-decade timeline is inefficient.

Video Chapters: 0:00 - Is the traditional 4% retirement withdrawal rule dead? 1:04 - Can I safely take out 5.7% of my retirement? 3:46 - Why is spending money in retirement so difficult? 07:49 - What is financial planning "Gamma"? 12:14 - Will selling my vacation home change my retirement timeline? 15:42 - Should I take my annual retirement distribution all at once in January? 17:03 - How do I use a dynamic withdrawal strategy to survive a market crash? 21:52 - Does a commission-free annuity make sense for retirement? 25:16 - Can I use a temporary annuity to bridge the gap until my age 70 Social Security maxes out? 27:02 - Which account should I pull from first to lower my taxes? 28:54 - Am I accidentally paying ordinary income tax rates on my bonds and CDs? 29:51 - How do I qualify for a 0% tax rate on my stock dividends? 31:14 - Will the Net Investment Income Tax (NIIT) trigger a stealth tax on my brokerage wins? 35:05 – By how much should I reduce spending if the stock market drops?

Sources:

Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC.

Morningstar: Estimate How Much You Can Spend in Retirement (2026 Safe Withdrawal Rates): https://www.morningstar.com/retirement/estimate-how-much-you-can-spend-retirement Morningstar Investment Management: "Alpha, Beta, and Now... Gamma" (David Blanchett & Paul Kaplan):

https://www.morningstar.com/content/dam/marketing/shared/research/foundational/677796 -AlphaBetaGamma.pdf

https://www.macrotrends.net/2016/10-year-treasury-bond-rate-yield- chart https://www.bankrate.com/banking/cds/historical-cd-interest-rates/ https://www.investopedia.com/terms/f/four-percent-rule.asp https://news.northwesternmutual.com/2026-04-01-Americans-Believe-They-Will-Need-1-46-Million-to-Retire-Comfortably,-Up-More-Than-15-Since-Last-Year,-According-to-Northwestern-Mutual-2026-Planning-Progress-Study https://fred.stlouisfed.org/series/FEDFUNDS _____

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.

Recent data from Northwestern Mutual indicates that many Americans believe they need $1.46M to retire comfortably, but actual savings vary widely based on individual circumstances.

Get your Modern Confidence Score here: yourconfidencescore.com

Meet with us: https://bit.ly/4nWxgYC

Education center: https://bit.ly/4wPTvnb

Retirement Plan Checklist: Retirement Checklist

Video Chapters

The Baseline Metrics

• 00:00 – Cold Open
• 01:07 – How much do I need to retire comfortably?
• 03:47 - Will I pay more taxes if my money is sitting in a Traditional 401(k) instead of a Roth?

The Savings Gap & Psychology

• 04:53 - How much has the average boomer saved for retirement?
• 10:48 - Why do I feel like I'm going to run out of money even though I've saved for retirement?

The Customization Layer

• 18:45 - Is a generic target date fund in my 401(K) bad?
• 21:16 – What is a "brokerage link" to open better investment options?
• 24:05 - Is taking an outstanding loan against my retirement bad?

The Cost of Living & Gifting

• 26:30 - How much money will I spend on traveling in retirement?
• 30:25 - Why are only 12% of Baby Boomers using a Roth 401(k)?

Sources:

Here's What Americans Think They'll Need for Retirement

https://www.northwesternmutual.com/life-and-money/what-do-americans-think-theyll-need-for-retirement/

How do your retirement savings stack up?

https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings

Retirement Income Strategy: How Much Do You Need?

https://www.youtube.com/watch?v=tLtUEGkBdBQ

___________ 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.

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.