In this episode, Michael is joined by his wife Jacqueline (who's wearing all his clothes, apparently) for a casual chat that starts with some of Jacqueline's questions she hears about money recently to get those questions answered.

They cover:

💭 What an LLC actually does — and what it doesn’t do for taxes

💭 The difference between tax avoidance (smart) and tax evasion (illegal)

💭 What’s better: getting rich quick or building wealth the slow and steady way?

💭 Common money misconceptions small business owners fall for

💭 Why “write it off” ≠ “get it for free”

💭 And a reminder: hard work, patience, and planning still works (even if tjat doesn’t create trends on TikTok)

We also unpack some of the common misconceptions about “tax hacks” you see online and how to tell the difference between tax avoidance (legal) and tax evasion (not so much).

👕 Featuring guest co-host: my wife (and her borrowed hoodie).

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Gold has been shining bright lately (pun intended) and has hit all-time highs as 2025 is coming to a close. But what’s really behind the surge?

In this episode of Common Curiosities: Retirement, we dig into some ideas of why reasons why gold’s up, and explore whether it still makes sense as part of a modern portfolio.

Here’s what we unpack:

📝 Uncertainty and global tension — when people get nervous, gold often feels is a place some like to go

📝 A potentially softer U.S. dollar which may actually make gold (and maybe American exports) more appealing.

📝 If interest rates come down — as cash yields shrink, some investors look for new places to store value.

📝 The ease of owning gold — We'd say it’s never been simpler to invest without filling your basement with gold bars.

Then we get curious about the real question: Should you own gold at all?

Some see it as a hedge, others as speculation, some as an investment and some just like the historical shine. Michael CFP® and EA shares how he thinks about gold compared to other assets— and why the answer depends less on the metal itself, and more on what role it plays in your plan.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Chapters

00:00 Why is Gold at All Time Highs?

00:28 Political Uncertainty

01:06 Weaker U.S. Dollar

01:47 Interest Rates May Come Down?

02:48 Easier Access to Invest in Gold?

03:38 The Value of Gold: A Personal Perspective

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Markets are hitting record highs as we are ending 2025, but what’s really driving it? In this episode of Common Curiosities: Retirement, we take a curious look under the hood of today’s market momentum.

We’ll unpack a few key forces fueling the climb including:

💭 Many strong corporate earnings that are beating expectations

💭 Interest rate cuts — after a few years of tightening interest rate increases, potential interest rate cuts could be on the horizon

💭 Artificial intelligence - Many believe it's not just hype, but a potential long-term shift in how companies operate. What does the future mean for that?

💭 Investor participation — More and more people are now investing. Is that a good thing?

Of course, all-time highs don’t mean buy everything now. Markets move in cycles — and those pullbacks can be part of a healthy rhythm. This episode is all about understanding why we’re here, what might be next, and how to stay curious and have a plan ahead of time through the ups and downs.

Chapters

00:00 Market Overview and Current Status

00:34 Business Earnings

00:59 Potential Interest Rate Cuts

01:33 People's Interest in Artificial Intelligence

02:54 Other AI Ideas?

03:51 More People Investing Now

04:40 Understanding Stock Market Dynamics

05:07 Investment Strategies in Volatile Markets

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Ever wondered if you should wipe out your debt as fast as possible or maybe hang on to those loans and invest instead? In this episode, we explore the balance between math and mindset because financial plans don’t live in spreadsheets, they live in real life.

Michael, CFP® and EA unpacks the pros and cons of paying debt quickly versus investing for the long haul, why behavior often beats math in the real world, and when taking on debt may actually make sense, especially if it’s investing in yourself or your career.

Plus, a lighthearted look at what happens when “adulting” meets your first paycheck (and suddenly your bed goes from one pillow to eight).

If you’ve ever wondered:

💭 “Should I pay off my student loans or invest instead?”

💭 “When is debt okay?”

💭 “How do I prioritize my money when I’m just starting out?”

This episode is right for you.

Chapters

00:00 Question: Debt Payoff vs Investing Thoughts?

01:49 Will People Stick With Their Plan During Down Years?

03:03 When is it Okay to Acquire Debt?

05:15 What to do After Getting First Career Job?

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Most people who donate give cash to charities. Which is very generous of them, but what if there’s a better way to gift where the charity can still get the benefit but you may also receive some more tax benefits?

In this episode of Common Curiosities Retirement, Michael CFP® and Enrolled Agent unpacks one of the most overlooked tax strategies for charitable givers: donating appreciated assets.

It’s not a flashy dinner party topic, but it could help save you in taxes and increase what your favorite causes receive. He breaks down:

💡 How gifting investments directly to charity actually works

💡 Why it may be more helpful than giving cash

💡 Common mistakes to avoid

💡 How to know if this strategy fits your situation

Whether you’re a seasoned investor, a future retiree, or just curious about smarter giving, this episode helps you see generosity through a fresh (and financially clever) lens.

Chapters

00:00 NEWCHAPTER

00:12 Tax Savings for Giving?

02:32 What goals & problems is this helping me achieve?

03:09 What Type of Accounts Do I Use This With?

04:09 How Does the Brokerage Account Work

04:35 Direct Gift to Charity with Assets

04:41 Standard Deduct or Itemize Get a Benefit?

05:45 Real World Example

07:14 Gifting a Portion of an Investment

07:52 Why Consider Giving Investments with Most Gains?

09:00 Does The Charity Get Less With This Idea?

10:23 Be Careful Selling the Investments First

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

Ever wonder when you can actually use your Roth IRA without getting smacked with taxes and penalties? You’re not alone.

In this episode of Common Curiosities: Retirement, we unpack one of the most common unused tools with Roth accounts. When and how to tap them before 59½ without giving the IRS a reason to celebrate.

You’ll hear how the rules actually work, where the real flexibility may come from, and what to watch out for if you’re trying to pull this off. It’s part story, part strategy, and all about helping you see how planning aims to turn your retirement accounts into more than just “someday” money.

Because at the end of the day, your savings aren’t just numbers. They’re tools to help you live the life you’re working toward.

Chapters:

00:00 Can I use a Roth IRA before 59 1/2?

00:40 Who Might Use Early Roth IRA Access?

01:20 Real Life Example

03:23 Retirement Account Gov't Deal

05:24 Leveraging Roth IRA Contributions for Financial Flexibility

06:07 Lower Tax Bracket?

06:51 Tracking Roth Contributions

07:15 Withdrawal Order Rules

07:57 Using a Roth IRA to Bridge Life Gaps

08:22 Retirement Withdrawal Strategies

08:54 Taxes A Huge Missed Opportunity?

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

If you’re over 70½ or just planning ahead for when you will be, this simple move could make your money go further. We walk through what a QCD is, how it’s different from an RMD, who it’s typically best suited for, and some overlooked rules that could help you avoid unnecessary taxes (and maybe some paperwork headaches too).

Whether you’re already retired, helping a parent plan, or just like being the “go-to finance friend” in your circle, this episode helps you understand how generosity and smart tax planning can go hand in hand.

Takeaways

✅ QCDs could allow for more tax-efficient charitable giving.

✅ Individuals over 70 and a half may benefit from QCDs.

✅ Direct donations from retirement accounts are important

✅ Understanding QCDs can influence future retirement planning.

✅ QCDs can help lower Required Minimum Distributions (RMDs).

✅ Charitable giving should align with personal values and financial goals.

✅ Itemizing deductions may not always be beneficial compared to QCDs.

✅ QCDs simplify the tax process for retirees.

✅ Every dollar in retirement should have a purpose.

Chapters

Introduction to Tax-Efficient Giving

- 0:00

Understanding Qualified Charitable Distributions (QCDs)

- 3:00

Benefits of QCDs for Retirement Planning

- 6:00

Common Missteps in Charitable Giving

- 9:00

Real-World Examples and Scenarios

- 12:00

Who Should Consider QCDs?

- 15:00

Maximizing Tax Benefits with QCDs

- 18:00

Conclusion and Final Thoughts

- 21:00

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

💬 Questions or Want to Connect?

🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com

📧 𝐄𝐦𝐚𝐢𝐥: [email protected]

📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form

Disclosures:

Investment advisory services offered through Harborfront Financial Group d/b/a Custer Financial Advisors (“CFA”), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Educational content only—not investment, legal, or tax advice. All investing involves risk, including loss of principal. Past performance is not indicative of future results. Opinions and views are as of the date recorded and may change without notice. 

Securities offered through LPL Financial, Member FINRA/SIPC.

Most people dread looking at their tax return, but what if it could be one of the most valuable tools for you or your financial planning team? In this video, Michael, CFP®, EA breaks down the 1040 step-by-step and shows how it could reveal hidden opportunities to potentially lower taxes, help you make smarter financial moves, all aimed at helping you keep more of you hard earned money!

We cover:

✅ Filing status and how it can affect your taxes

✅ Standard vs. itemized deductions and when they matter most

✅ Income types (W-2, interest, dividends, IRA withdrawals) and their different tax treatments

✅ Opportunities like Roth conversions, tax gain harvesting, and QCDs

✅ How reading your return could help you avoid paying more than you need to in taxes and spot potential changes you may want to consider

Whether you love spreadsheets or avoid them at all costs, this video should help you see your tax return in a new light.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞?

We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov. In addition, you can contact us to request a hardcopy.

Roth IRAs can be one of the most powerful tools in retirement planning, but only if you understand the rules and how they fit into your bigger picture.

In this episode, we break down practical strategies for using Roth IRAs from retirement tax planning and early retirement options. Whether you’re just getting started or already building your retirement nest egg, this conversation should help you see where Roth accounts may (or may not) make sense for your financial strategies.

Topics we’ll cover:

✔️How Roth IRAs actually work (and why taxes now can create potentially very valuable tax-free assets later)

✔️Accessing contributions before retirement even without penalties

✔️The tricky commonly missed five-year rule

✔️Income limits, phaseouts, and backdoor Roth contributions

✔️Why Roth IRAs can be a great tool for career changers and early retirees

✔️The impact on Social Security taxes and Medicare premiums

✔️Spousal Roth IRAs and planning as a couple

✔️How Roth IRAs fit into legacy and estate planning

If you’ve ever wondered how to blend Roth accounts with your other retirement strategies, this video is for you.

𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!

Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov. In addition, you can contact us to request a hardcopy.

𝐌𝐚𝐧𝐲 𝐫𝐞𝐭𝐢𝐫𝐞𝐞𝐬 𝐰𝐨𝐫𝐫𝐲 𝐚𝐛𝐨𝐮𝐭 𝐫𝐮𝐧𝐧𝐢𝐧𝐠 𝐨𝐮𝐭 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲, 𝐛𝐮𝐭 𝐬𝐦𝐚𝐫𝐭 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐦𝐚𝐲 𝐞𝐚𝐬𝐞 𝐭𝐡𝐨𝐬𝐞 𝐟𝐞𝐚𝐫𝐬 𝐚𝐧𝐝 𝐥𝐞𝐚𝐝 𝐭𝐨 𝐦𝐨𝐫𝐞 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐭 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐚𝐧𝐝 𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐲𝐞𝐚𝐫𝐬!

In this video, we discuss the emotional and strategic side of retirement spending. From understanding how much we can spend with $2.5 million to evaluating large purchases.

📌 𝐖𝐡𝐚𝐭 𝐰𝐞 𝐜𝐨𝐯𝐞𝐫:

• Why a 100% simulation of success in retirement spending isn't typically needed and could lead to not spending enough!

• Tax implications that often quietly erode retirees income

• How to plan for both expected and surprise expenses

• The role of travel, leisure, and lifestyle in your retirement budget

• Why adjusting your spending strategy can lead to better outcomes

• How income flows from different sources affect your plan

• When prepaying taxes might make sense for you

• Evaluating big-ticket items with clarity and purpose

Retirement isn’t just about saving—it’s about spending wisely, with intention and flexibility.

𝐰𝐰𝐰.𝐜𝐮𝐬𝐭𝐞𝐫𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐚𝐝𝐯𝐢𝐬𝐨𝐫𝐬.𝐜𝐨𝐦

𝐞𝐦𝐚𝐢𝐥: 𝐜𝐮𝐬𝐭𝐞𝐫𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐚𝐝𝐯𝐢𝐬𝐨𝐫𝐬@𝐥𝐩𝐥.𝐜𝐨𝐦

𝐏𝐡𝐨𝐧𝐞 𝐍𝐮𝐦𝐛𝐞𝐫: 𝟔𝟏𝟔-𝟕𝟒𝟖-𝟒𝟗𝟏𝟗

Disclosures:

Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.

This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.

Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov. In addition, you can contact us to request a hardcopy.