America's Wealth Management Show

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Asking how much money you need to retire is the wrong question. Learn how to calculate the exact income gap needed to make work optional.

Video Chapters: 0:00 - How much do I need to retire? 0:58 - What does it mean to make work optional? 2:03 - Vanguard 401(k) Data: Why average balances mask median realities 3:08 - Necessary vs. Discretionary Spending: Mapping your lifestyle 6:42 - $3M with no plan vs. $1.5M with a plan 9:48 - Why $1 Million in a Traditional IRA is not $1 Million in a Roth 13:09 - How do I calculate my financial independence gap? 18:13 - Managing the 5 biggest retirement risks: Inflation, taxes, and market drops

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

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Sources: https://workplace.vanguard.com/insights-and-research/report/how-america-saves-2026.html?cmpgn=IIG:TL:HAS:HAS26:SRCH:PS:UF:TL:GG:Unknown:Exact:TLEAD:20260616:BD:NONE:NONE:KW:AmericaSavesReport&gclsrc=aw.ds&gad_source=1&gad_campaignid=17413933188&gbraid=0AAAAADx4guzAuPHqjyjSbxL4X5ag-L7BD&gclid=Cj0KCQjwnbrUBhDOARIsAKKhPpe5nxyXM6HUklKpp97Q0sCUjcYJ4WOUtZb9VO-TfRDyo98mPxRAmTgaArWsEALw_wcB

______ 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.

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When a spouse passes away, taxes spike and 401(k) rules trigger. Learn the 30-day checklist and critical landmines to protect your surviving family.

Video Chapters: 00:00 - Case Study: How a missing ERISA waiver disinherited three adult children. 01:05 - What do I do first when my spouse passes away? 07:05 - First 30 Days Checklist: How many death certificates do I actually need 11:05 - Why do beneficiary designations on 401(k)s override my Will or Revocable Trust? 19:22 - The Single Filer Tax Trap: Why taxes spike after losing a partner 25:20 - Will my estate be forced into public probate court without a trust?

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.irafinancial.com/blog/beneficiary-forms-self-directed-ira-solo-401k/ https://finance.yahoo.com/markets/options/articles/2-1-trillion-sits-31-153318096.html?guccounter=1 https://www.congress.gov/crs-product/R43637

______ 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.

Is hiring a financial advisor actually worth the fee? Learn about the positives and negatives of working with a financial advisor.

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Video Chapters: 01:07 - Core Question: Are financial advisors actually worth the fee? 06:36 - Fiduciary vs. Commission Broker: Spotting the red flags. 09:48 - Is my advisor doing full-service planning or just managing investments? 13:16 - How does pulling $100,000 from my traditional IRA trigger a massive tax bill? 16:35 - What questions should I expect my financial advisor to ask me? 21:45 - Reaction Video: 3 things I wish I knew before hiring a financial advisor.

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.kitces.com/blog/financial-advisor-client-onboarding-relationship-expectations-questions-communication-relationship-expectations/ ______ 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.

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33% of workers have more credit card debt than retirement savings. Discover the 4 critical financial milestones to hit before turning age 50.

Video Chapters: 0:00 - Introduction: 33% of workers have more credit card debt than retirement savings? 1:14 - Welcome to America's Wealth Management Show 2:18 - Milestone 1: Build a Retirement Savings Foundation 7:12 - Milestone 2: Eliminate High Interest Debt 12:06 - Milestone 3: Establish an Emergency Fund 13:01 - Milestone 4: Create a Comprehensive Investment Strategy 17:38 - Milestone 5: Develop a Clear Retirement Income Plan. 22:20 - Hosts Discuss Video: 3 Problems With Retiring Early by @HowToRetire 33:30 - Hosts discuss mindset shifts in retirement from r/retirement subreddit

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.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire

https://youtube.com/shorts/W2YrEpReHro?si=6nwjysaynlKxHeZi

https://fred.stlouisfed.org/series/TERMCBCCALLNS

https://www.schroders.com/en-us/us/institutional/media-center/to-retire-comfortably-plan-participants-say-they-need-1-2-million/

https://www.reddit.com/r/retirement/comments/1udx5t5/seems_like_a_blessed_life_but_its_just_tuesday/ ______ 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.

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Crossing the $2 million portfolio threshold may need shifting from simple saving to strategic tax engineering. Learn 5 advanced strategies to protect your wealth.

Video Chapters: 0:00 - How do I protect my $2 million portfolio from unexpected taxes? Intro to high-net-worth coordination. 4:46 - Strategy 1: How do I use a Donor-Advised Fund to exceed the $35,000 standard deduction? 16:00 - Strategy 2: How do I qualify for a 0% capital gains rate on $150,000 of income? Harvesting gains in low-income years. Subscribe to Modern Wealth Management for more educational content: 24:40 - Strategy 3: How do I use the $19,000 gift exemption to transfer wealth with warm hands? Lifetime family transfers 31:16 - Strategy 4: How do I smooth my income brackets with strategic Roth conversions? Flattening income tax valleys. 32:38 - Strategy 5: How do I manage taxes during a business sale or RSU stock vesting? Executing equity compensation liquidations. 35:35 - How Marty James used in-kind CRT distributions to avoid capital gains. 39:13 - Questions from viewers: Can I withdraw converted Roth IRA funds immediately without a penalty? and How do I stress-test my plan against a market crash and Social Security 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/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw

Sources: https://www.modwm.com/2026-tax-brackets/

www.irs.gov/businesses/small-businesses-self-employed/whats-new-estate-and-gift-tax

https://www.modwm.com/trump-accounts/ ______ 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.

Learn about preparing for retirement while caring for children and aging parents also known as: 'life in the sandwich generation' in today's episode!

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Video Chapters: 0:00 - How do I support my aging mom and adult daughter at the same time? Dean Barber introduces the Sandwich Generation juggling act. 1:57 - What does the MIT Age Lab study reveal about human longevity trends? Discussing the 8,000-day life blocks. 05:17 - Where do retirees pull their monthly income from? Analyzing Social Security, savings, and pension metrics. 07:08 - How do healthcare costs impact my retirement savings? Factoring medical inflation into your plan. 20:23 - What is a Family Assistance Budget and how does it prevent retirement problems? 22:32 - Reaction Video: John Diel explains the 3 MIT questions that predict quality of life. Light bulbs, ice cream, and lunch partners. 31:52 - 3 Mistakes to avoid for the sandwich generation.

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Sources: https://agelab.mit.edu/static/uploads/three_questions_that_can_predict_future_quality_of_life.pdf

https://youtu.be/eBYkoJ6DMGU?si=qOcQTuxJZ4rkLS3Q

https://www.pewresearch.org/short-reads/2022/04/08/more-than-half-of-americans-in-their-40s-are-sandwiched-between-an-aging-parent-and-their-own-children/

https://www.bankerslife.com/insights/personal-finance/navigating-financial-caregiving-and-the-sandwich-generation-7-smart-strategies-for-2026/

https://www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years/

https://youtu.be/eBYkoJ6DMGU ______ 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.

May inflation hit a 3-year high of 4.2% due to Middle East energy shocks. Learn how a dynamic bucket approach protects your wealth from a portfolio purge.

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Video Chapters: 0:00 - Is moving my retirement into a 3% savings account a safe move? 1:33 - Why did May inflation spike to a 3-year high of 4.2%? Breaking down the latest BLS consumer price data. 03:30 - Is the 2026 inflation bump a temporary world event or a 1970s-style collapse? Separating short-term shocks from structural trends. 05:51 - Should you use 2.5% inflation when retirement planning? Exposing flawed assumptions. 18:42 - Reaction Video: 21:14 - How do I use a 3-bucket strategy for retirement? 26:44 - Don't Do That: Why you shouldn't make financial decisions out of fear.

Check out our other videos: https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0 https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP

Sources: • Bureau of Labor Statistics. (2026, June 10). Consumer Price Index – May 2026. U.S. Department of Labor. https://www.bls.gov/news.release/cpi.nr0.htm • CBS News. (2026, June 10). Rate rises to 4.2% amid Iran war pressure. CBS Interactive. https://www.cbsnews.com/news/cpi-report-today-may-2026-inflation-iran-war-trump/ • https://www.pbs.org/newshour/show/hormuz-standoff-the-largest-supply-shock-ever-experienced-says-global-energy-expert • https://www.cbsnews.com/news/cpi-report-today-may-2026-inflation-iran-war-trump/ • https://officialdata.org/inflation-cpi-categories#All-items|Medical-care • https://www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years/ • https://fred.stlouisfed.org/series/MSPUS • https://youtu.be/YP5nXSKWDd0 https://www.youtube.com/shorts/WUkMbBtlHRk ______ 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 One Big Beautiful Bill Act changed our tax brackets. Learn how to navigate the new rules and protect your retirement from hidden tax traps.

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Video Chapters: • 0:00 - What is the difference between tax planning and tax preparation? • 3:45 – How will my taxes change once I stop working and retire? • 04:52 - What is the One Big Beautiful Bill Act? • 10:26 - How do I claim the new $6,000 Senior Deduction after age 65? Income rules for single and married households. • 12:40 - How do I qualify for a 0% tax rate on $144,000 of stock dividend income? Combining deductions to eliminate capital gains tax drag. • 14:36 - Reaction Video: who benefited from the OBBBA? By • 19:35 – Don't Do That Segment: How a blind $80,000 IRA withdrawal triggers a tax trap. • 23:27 - How do I prevent my qualified dividends from jumping from 0% up to 15%? Protecting boundaries from bracket creep. • 31:59 - Is financing a new truck at 7% cheaper than withdrawing cash from my traditional IRA? Minimizing Medicare premiums via auto financing lines. • 33:47 - How do I fill up my 12% tax bracket with Roth conversions before my RMD age cliff at 73? Defending your estate from future tax bombs.

Check out our other videos: https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0 https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP

Sources: https://www.modwm.com/maximizing-social-security-benefits/

https://www.modwm.com/retirement-tax-planning-after-the-one-big-beautiful-bill-act/

Committee for a Responsible Federal Budget. (n.d.). How Much Would OBBBA Pay For Itself?

https://www.crfb.org/blogs/how-much-would-obbba-pay-itself

H&R Block. (n.d.). One Big Beautiful Bill tax changes: How and when they impact you. https://www.hrblock.com/tax-center/irs/tax-law-and-policy/one-big-beautiful-bill-taxes/

Internal Revenue Service (IRS). (n.d.). One, Big, Beautiful Bill provisions. https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions

Penn Wharton Budget Model. (2025, June 29). Senate-Passed Reconciliation Bill (OBBBA) Budget, Economic, and Distributional Effects. https://budgetmodel.wharton.upenn.edu/p/2025-07-01-senate-reconciliation-bill-budget-economic-and-distributional-effects-june-29-2025/

Tax Policy Center. (n.d.). One Big Beautiful Bill: What We Know So Far. https://taxpolicycenter.org/taxvox/one-big-beautiful-bill-what-we-know-so-far

https://fiscaldata.treasury.gov/ ______ 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.

According to Empower, the average 65-74 year old on their dashboard has $1.14M saved, yet fear paralyzes many from enjoying it. Learn the 5 signs you are over-saving at the expense of your life.

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Video Chapters 0:47 - The five signs of retirement over-saving 4:34 - Sign 1: Am I just maxing out my 401(k) because I don't know what else to do? 9:59 - Sign 2: Fear of Inflation 18:46 - Sign 3: Greed 27:15 - Sign 4: Did I put too much money inside my traditional pre-tax 401(k) bucket? 30:07 - Sign 5: Am I trading my healthy "go-go" years away for a tiny portfolio return? Shifting from account numbers to physical health currency . 31:48 - Bonus Sign: Am I setting up my family for an expensive, unplanned conflict? 33:03 - Reacting to @MoneyGuyShow

Sources: @MoneyGuyShow - How Much Should I Save To Retire Early? https://youtube.com/shorts/8StrdP0-dVU?si=zr_WCl3VWpkgWR86

Insights provided by Chris Rett, CFP®, AIF® and Hayden Pudenz of Modern Wealth Management

Empower Estimates: Are You Ready for Retirement? (2026 Average Retirement Savings Data)

https://www.empower.com/the-currency/money/average-retirement-savings-by-age

https://www.federalreserve.gov/econres/scf/dataviz/scf/table/#series:Retirement_Accounts;demographic:agecl;population:all;units:median;range:1989,2022

https://www.allianzlife.com/about/newsroom/2026-Press-Releases/Fear-Of-Running-Out-of-Money-Over-Death-At-Record-High

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds

https://bradfordtaxinstitute.com/Endnotes/IRC_Section_401a9.pdf

https://www.law.cornell.edu/uscode/text/26/401

https://www.philanthropyroundtable.org/hall-of-fame/andrew-carnegie/

______ 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.

Learn about navigating risk during a volatile market by rebalancing your portfolio.

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Video Chapters 0:28 - How did the 2025 tariff shock and 2026 market affect portfolios? 1:07 - What is portfolio rebalancing? 2:06 - What is the difference between timing the market and time in the market? 8:06 - What are Warren Buffett's two primary rules of investing? 9:38 - What is a drift parameter? 14:51 - What is Tax Loss Harvesting? 16:28 - What is the IRS Wash Sale Rule? 31:00 - Why can holding a single corporate stock option cause problems in retirement?

Sources: Wells Fargo Investment Institute: Perils of Timing Volatile Markets https://www.wellsfargoadvisors.com/research-analysis/reports/policy/volatile-markets.htm Hartford Funds: Timing the Market Is Impossible https://www.hartfordfunds.com/practice-management/client-conversations/managing-volatility/timing-the-market-is-impossible.html MDPI / Oxford Academic: https://www.mdpi.com/1911-8074/17/12/533 https://academic.oup.com/raps Vanguard: Assessing the Value of Tax-Loss Harvesting https://corporate.vanguard.com/content/dam/corp/research/pdf/tax_loss_harvesting_why_a_personalized_approach_is_important.pdf Capital Loss Limitations https://www.irs.gov/taxtopics/tc409

BlackRock: 2025 Tax-Loss Harvesting Data • https://www.blackrock.com/us/financial-professionals/insights/loss-harvesting-year-round • ICFS / Invesco: Diversification Risk and Missing Best Days • https://www.invesco.com/us-rest/contentdetail?contentId=a9b2a3dd-29a7-4302-ab86-814c4886a73c • https://icfs.com/specialists-desk/portfolio-diversification-risk-reduction • https://www.theguardian.com/business/2025/dec/31/wall-street-stock-markets • https://www.blackrock.com/us/financial-professionals/insights/loss-harvesting-year-round • https://www.reuters.com/business/us-tech-stocks-market-dominance-reaches-new-heights-presents-new-risks-2026-06-03/

______ 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.