Don't choose your retirement zip code based on weather alone — state taxes, healthcare costs, and Medicaid rules can quietly add $10,000 a year in expenses you didn't plan for.

This week on Get Ready For The Future Show:

🔹 Penny's retirement relocation checklist — what to vet financially before you commit to a new state

🔹 Portfolio rebalancing: how years of drift can shift your 70/30 allocation to 85/15 without you noticing

🔹 No heirs? Jeffrey learns how to build a meaningful legacy through smart estate and charitable planning

🔹 Roth vs. Traditional 401(k): what SECURE 2.0 just changed that could affect which you choose

Disclosure:

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.