There’s a lot of buzz about the “One, Big, Beautiful” tax bill—so what does it actually mean for your retirement and investment strategy?

In this episode, we break down the key changes proposed in the latest tax legislation and what they could mean for your income planning, Roth conversions, estate strategy, and overall tax efficiency.

We’ll cover:

• How the bill could affect high-income earners and retirees

• Potential sunset of the Tax Cuts and Jobs Act in 2026

• Smart moves to consider before tax rates shift

• What to watch for in capital gains, estate, and income tax changes

Don’t let shifting tax laws catch you off guard—learn how to stay ahead of the curve.

📘 Based on strategies from Rizek Housari’s book Finance on the Fly: Simple Strategies to Build Lasting Wealth.

Disclaimer: This podcast is for informational purposes only and does not constitute financial, legal, or tax advice. Please consult your advisor before making financial decisions.

#RetirementPlanning #TaxBill2025 #RothConversions #TaxStrategy #FinanceOnTheFly

In this episode, we delve into the significant updates to 401(k) catch-up contributions for 2025, crucial for those nearing retirement. The IRS has maintained the standard catch-up contribution limit at $7,500 for individuals aged 50 and over. However, a notable change is the introduction of a higher catch-up contribution limit of $11,250 for employees aged 60 to 63, as part of the SECURE 2.0 Act.

In this episode, we dive into the world of cash balance plans — a powerful and flexible retirement savings option that’s often overlooked by small business owners. Learn how these hybrid plans combine the benefits of defined benefit and defined contribution plans to help you and your employees build significant retirement savings, potentially with larger tax advantages and higher contribution limits than traditional plans. We’ll break down how cash balance plans work, who they’re best for, the setup process, and key considerations to maximize your business’s financial future. Whether you’re a solo entrepreneur or run a small team, this episode will give you practical insights to level up your retirement planning game.

Roth IRA or IUL—which is the better tool for tax-free retirement income?

In this video, we compare the pros, cons, and real-world uses of Roth IRAs and Indexed Universal Life (IUL) insurance policies. Both offer tax advantages, but they serve very different purposes—and choosing the wrong one could cost you.

💡 You’ll learn:

• How Roth IRAs and IULs really work

• Tax-free growth vs. tax-deferred access

• Fees, flexibility, and control: what matters most

• Common sales myths and what to watch out for

• When (if ever) an IUL makes sense over a Roth IRA

📘 Based on strategies from Rizek's book Finance on the Fly: Simple Strategies to Build Lasting Wealth.

Disclaimer: This video is for informational purposes only and is not financial, legal, or tax advice. Always consult your financial advisor.

You've spent decades building wealth—now it’s time to turn those assets into income that lasts.

In this episode, we dive into strategic income planning: how to structure your withdrawals, investments, and tax strategies to create a sustainable, tax-efficient income in retirement.

💼 You’ll learn:

• How to sequence withdrawals from IRAs, Roth accounts, and taxable portfolios

• Why income planning matters more than “just living off the interest”

• How to minimize taxes with smart asset location and timing

• The role of dividends, interest, annuities, and capital gains

• How to avoid the common traps that erode retirement income

Whether you're already retired or just a few years out, this episode helps you shift from accumulation to distribution—with confidence and clarity.

📘 Based on strategies from Rizek's book Finance on the Fly: Simple Strategies to Build Lasting Wealth.

Disclaimer: This podcast is for informational purposes only and does not constitute financial, legal, or tax advice. Please consult your advisor before making financial decisions.

#RetirementIncome #IncomePlanning #RetirementStrategy #SmartInvesting #FinanceOnTheFly #RetireSmart

Thinking about retirement in the next 5–10 years? 🧓📈 It’s not just about how much you saved — it’s about how you use it. Here’s a key strategy that can help you keep more in retirement and pay less in taxes. Most investors know about tax loss harvesting—but what about tax gain harvesting?

In this episode, we dive deep into one of the most powerful tools for retirement savings: the 401(k). Whether you're still building your nest egg or approaching retirement, understanding how your 401(k) works—and how to make the most of it—can make a huge difference in your financial future.

🎙️ Topics we cover:

• How 401(k) plans work (and why they matter)

• Traditional vs. Roth 401(k): What's the difference?

• Contribution limits and catch-up strategies after 50

• Employer matches and vesting schedules

• Common mistakes to avoid

• How your 401(k) fits into a broader retirement strategy

Ever wondered what a "stock" actually is? In this episode, we’re breaking it all the way down—no confusing jargon, just real talk. Whether you’re brand new to investing or just want to finally understand what people mean when they say “buying shares,” this episode is for you.

We’ll cover:
✅ What a stock really represents
✅ Why companies offer them
✅ How owning one makes you a part-owner of a business
✅ And how people make (or lose) money in the stock market

By the end, you'll be able to follow the conversation when people talk investing—and maybe even start thinking about getting in the game yourself. Let’s make money make sense.

Think the stock market is just for Wall Street pros? Think again. This episode breaks down what’s happening in the markets in plain English—no jargon, no suit required. Whether you’re curious, confused, or just want to sound smarter at dinner parties, we’ve got you.Get the new book here:⁠https://a.co/d/0sV3NyC

Whether you’ve changed jobs, retired, or simply forgot about those accounts, your old 401(k) could be hiding valuable assets that deserve your attention. Join me as we explore why you should care about those forgotten funds, the best strategies for rolling them over, and how to avoid costly mistakes. From understanding your options to ensuring your money grows as it should, we’ll guide you through everything you need to know to take control of your financial future—one 401(k) at a time. Don’t let your old accounts collect dust—tune in and reclaim your money!

Get the new book here:https://a.co/d/0sV3NyC