On today’s episode of the Money Matters Podcast, Wes Moss and Christa DiBiase unlock powerful retirement and investment moves that could help shape your financial future. Today, they:

• Explore how a couple with $5M in assets can consider early retirement while balancing tuition payments and uncertain markets.

• Calculate the power of the 4% rule and see how $5M can potentially yield $200,000 annually in sustainable withdrawals.

• Learn why emotional timing and slow investing may not always serve you best in today's interest rate environment.

• Discover the real purpose of a financial manager—and why it's not about “beating” the S&P 500.

• Examine the peace of mind that can come come from a 6-9 month investment strategy instead of stretching it over years.

• Hear from a retired law enforcement officer with a $4,200/month pension weighing travel vs. keeping property—find out why selling his home may unlock nearly $90K/year in income.

• Understand how capital gains exclusions might work when selling a primary residence before moving abroad.

• Get clarity on using the new 529-to-Roth rollover rule—how parents can repurpose unused college funds for their working children.

• Adjust your withdrawal strategy based on life expectancy—learn how shorter horizons (like 20 years) might allow for higher withdrawal rates, up to 5.5%.

• Evaluate pension options that vary in payout length and amount—see how selecting the right one could impact your long-term cash flow.

• Align retirement timing with market conditions—hear why one couple may want to delay retirement to avoid locking in stock losses.

• Balance equity-heavy portfolios before retirement to help avoid relying too heavily on market performance.

• Plan major home renovations before retiring—discover why waiting could turn into a costly trap.

• Examine harnessing low-income years to help strategically harvest long-term capital gains—while possibly staying in the 0% tax bracket.

• Use tax loss harvesting to offset gains and rebalance portfolios more efficiently.

• Hear a real success story: consistent $1,000/month investing for 20 years yields over $2M—now learn how to effectively shift from aggressive to conservative assets.

• Understand the difference between Roth contributions and Roth conversions—and avoid costly mix-ups.

👉 **Don’t miss this episode if you're ready to take control of your retirement with purpose, clarity, and confidence. Listen, download, and **SUBSCRIBE!