Finance Through The Fog

In this episode of Finance Through the Fog, Jeff explores how risk tolerance and risk capacity can shift after the loss of a spouse. He explains the difference between the two, walks through ways to assess your own risk profile, and discusses why major life transitions are a key time to revisit it. Jeff also covers tax, investment, and estate planning strategies, and how to manage your portfolio while navigating the emotional side of loss.

If you have any questions, please reach out to jeff at jeff@hilltopplaning, or through his website at hilltopplanning.com

Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.

All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.

Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.

The second of a two-part series in which Jeff explores the complex world of inherited IRAs. This episode focuses on inherited IRA rules and decision-making for those who inherit an IRA and/or Roth IRA from a spouse.

While the rules for non-spousal inherited IRAs are strict guidelines to follow, the rules for spousal inherited IRAs offer more flexibility, which requires decision-making. In this episode, Jeff explores the pros and cons of inherited IRA options, as well as the timeline and considerations.

If you have any questions, please reach out to jeff at jeff@hilltopplaning, or through his website at hilltopplanning.com

Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.

All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.

Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.

This is the first of a two-part series in which Jeff explores the complex world of inherited IRAs. While this episode focuses on inheriting a pre-tax or Roth IRA from anyone other than a spouse, the follow-up episode will discuss spousal inherited IRAs.

Whether you are planning for your own legacy or looking for educational guidance on an inherited IRA, you will learn about the rules, common pitfalls, planning opportunities, and crucial timelines for inheriting and passing on pre-tax and Roth IRAs.

If you have any questions, please reach out to jeff at jeff@hilltopplaning, or through his website at hilltopplanning.com

Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.

All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.

Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.

Jeff sits down with Tara Yukawa, a Certified Executor Advisor and the founder of SageVault, to discuss the complexities of serving as an executor or trustee.

Tara shares her journey of starting SageVault, which offers resources, education, and advisory services to those pre-planning an estate or navigating their roles as executor and/or trustee. Tara shares practical advice and insights into a role that so many find themselves unexpectedly navigating, along with tips for navigating some of the more common pitfalls executors and trustees face.

During our discussion, the resources Tara references are:

• Memorialization and transfer setup instructions for Google, Meta, etc - https://mysagevault.com/manage-online-accounts-after-death/
• Subscribe to my weekly newsletter: mysagevault.com/newsletter
• Get your copy of Before It's Too Late: A Guided Workbook for Talking to Your Aging Parents About the Future - https://amzn.to/3Z2QS1q

You can reach Tara through her website at https://mysagevault.com or email her at [email protected].

In this episode of Finance Through the Fog, I share a discussion with Veronica Pulido, founder of Good Grief, a resource offering support and community to those navigating Grief and Loss. Veronica details her own experience with grief after the loss of her father, and what inspired her to leave the corporate world for a mission to serve others through their own transitions with loss.

We also discuss insights Veronica has gained towards the grieving experience through her journey with Good Grief, and her experiences with the highs and lows of entrepreneurship.

Veronica can be reached at [email protected], and her website can be found at www.joingoodgrief.com

On this episode of Finance Through the Fog, Jeff discusses all things “Long Term Care.”

The Topics of discussion and their timestamps are:

• 00:00 Intro
• 03:37 Defining and Qualifying for Care
• 06:14 Misconceptions of Long-Term Care
• 07:36 Cost and Different types of Care Settings
• 13:23 Length of Care
• 15:08 Medicare and Long-Term Care
• 19:50 Medicaid and Long-Term Care
• 28:08 Long Term Care Insurance
• 40:28 Effects of Long-Term Care on Families
• 44:45 Tax Planning and Long Term Care
• 50:46 Conclusion and Final Thoughts

Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.

All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.

Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.

On this episode of Finance Through the Fog, Jeff discusses the “Widow’s Penalty,” a term used to describe changes in taxes, social security, and Medicare following the death of a spouse.

Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.

All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.

Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.

In the first episode of Finance Through the Fog, Jeff discusses Social Security Survivor Benefits for Spouses, and they can interact with your own benefit to provide retirement income.

The episode includes an overview of survivor benefits, benefit calculations, claiming timelines, and common strategies.

Disclaimer: The information provided in this podcast is for informational and educational purposes only and is not intended to constitute investment, financial, legal, or tax advice.

All opinions expressed are those of the host and guests and are subject to change without notice. Any references to investments, strategies, or securities are illustrative and do not constitute a recommendation or solicitation to buy or sell any investment product. The views and strategies described may not be suitable for all investors.

Listeners should not act or refrain from acting on the basis of any information included in this podcast without seeking individualized advice from a qualified financial professional who understands your personal circumstances and financial objectives. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

Jeff Morneault may discuss and link to third-party resources or websites; these are provided solely for convenience and do not constitute an endorsement. Jeff Morneault makes no representations as to the accuracy, timeliness, or completeness of any third-party information.