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The One Big Beautiful Bill Act is over 800 pages long and packed with tax changes that impact retirees, individuals, and small business owners. From expanded standard deductions and new senior tax breaks to permanent small business deductions and the end of many green energy credits, this bill reshapes key parts of the tax code — at least for the next few years.

In this episode, Tyler Emrick, CFA®, CFP®, breaks down what’s actually in the bill and what it means for your planning. You’ll learn:

Whether you’re already retired or planning ahead for your business and family, this episode will help you understand the real implications — without having to read 800 pages of tax law yourself.

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals: http://bit.ly/calltruewealth

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Retirees are increasingly targeted by cybercriminals — and the scams are getting more sophisticated. From fake emails and stolen phones to account takeovers and SIM card fraud, even cautious investors can be at risk.

In this episode, Tyler Emrick, CFA®, CFP®, shares a real story of an attempted security breach involving a True Wealth Design client — and what made the firm catch it before damage was done. You’ll learn the most common cybersecurity threats facing retirees, how to secure your financial accounts, and what to do if you think you’ve been scammed.

Plus, we cover smart strategies like using a password manager, enabling two-factor authentication, freezing your credit, and why every retiree should have a Trusted Contact on file.

If you’ve worked hard to build a secure retirement, this episode will help you protect it.

Here’s some of what we discuss in this episode:

🔐 $3.4 billion lost to scams in 2023—just from retirees

Some retirement mistakes are obvious. Others are silent — slowly eroding your plan year after year without setting off alarms. From investing the same old way to ignoring tax planning and claiming Social Security without a strategy, these missteps can cost you more than you think.

In this episode, Tyler Emrick, CFA®, CFP®, walks through five of the most common — and avoidable — financial mistakes people make in and near retirement. You’ll walk away with practical strategies to strengthen your plan, avoid missteps, and make more confident decisions as you approach — and live in — retirement.

Whether you're five years from retirement or already in it, this episode will help you spot hidden risks and take smarter action today.

Here’s some of what we discuss in this episode:

📉 Mistake #1: Investing the same way you always have

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

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Here’s some of what we discuss in this episode:

📈 What 90% of Buffett’s wealth after 65 teaches us about patience

🧠 "Be greedy when others are fearful" — and how to actually do it

📉 What to do when market fear clouds good decision-making

🌱 Giving while living — and planning to do it with confidence

🔧 Why your financial plan is your most powerful tool

Here’s some of what we discuss in this episode:

📆 Why the last 12 months before retirement matter so much.

Resources

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Not all Roth dollars are created equal—especially during times of market volatility.

In this episode, Tyler Emrick, CFA®, CFP®, unpacks when Roth contributions, conversions, or pretax savings make the most sense, and how recent market declines may present timely Roth conversion opportunities.

You'll learn how to be strategic with what assets you convert, when conversions might come with risks, and how tools like the mega backdoor Roth can help high earners build tax-free wealth. Whether you're retiring early or just looking for more tax-efficient growth, this episode offers practical guidance for getting Roth right.

Here’s some of what we discuss in this episode:

🔄 Roth IRA vs. Roth 401(k) vs. Mega Backdoor Roth

📉 How market drops create conversion opportunities

💡 Using Roths strategically before Medicare or RMD age

🧾 Why tax bracket awareness is essential

🧠 Advanced strategies like asset location and timing

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Markets have been shaken by a sharp selloff, with the S&P 500 down around 15% and the Nasdaq nearly 20% year-to-date. Much of the recent volatility is being driven by escalating trade tensions and a new round of tariffs that took effect on April 9.

In this episode, Kevin Kroskey, CFP®, and Tyler Emrick, CFA®, CFP®, unpack what’s driving the recent market moves — from global supply chain disruptions to shifting investor sentiment and international dynamics.

Here’s some of what we discuss in this episode:

📉 Why the market hates uncertainty—and how that’s showing up now

⚖️ Risk vs. uncertainty: what’s the difference and why it matters

🔁 How “Runway” helps retirees avoid emotional investment decisions

🧰 Strategies we’re using: rebalancing, dry powder, diversification

🧠 What to do (and not do) when tempted to time the market

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

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If the recent market drop has you feeling uneasy, you’re not alone — but sharp swings are regularities you need to navigate. The S&P 500 and Nasdaq have both taken hits this year, but history shows that intra-year declines like these are common and something long-term investors have weathered time and again.

In this episode, Tyler Emrick, CFA®, CFP®, breaks down recent market moves, highlights where diversification is working, and shares how tax strategies and disciplined rebalancing can help keep your investment strategy running smoothing and financial plan on track.

Here’s some of what we discuss in this episode:

📉 Market pullbacks are normal—even healthy

📊 Diversification is your protection in volatile times

🔁 Rebalancing can improve long-term returns

💸 Tax-loss harvesting can create future tax benefits

🧠 Discipline beats emotion when markets get rocky

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Big tax changes could be coming soon!

On February 25, the House passed a budget resolution setting a $4.5 trillion cap for a new tax bill that could replace the Tax Cuts and Jobs Act (TCJA) before it expires at the end of 2025. But what will the new law look like, and how will it impact your financial plan?

In this episode, Tyler Emrick, CFA®, CFP®, breaks down the key debates in Congress, what changes might be coming, and how you can prepare now to optimize your tax strategy.

Here’s some of what we discuss in this episode:

📉 TCJA Expiration in 2026 – What happens when the current tax cuts expire?

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Are you leaving money on the table?

For families weighing their options when choosing a financial advisor, Vanguard’s Advisor Alpha study has long been the go-to guide—and now, fresh research from SmartAsset echoes the sentiment that the right advisor could boost your net returns by over 2% annually.

In this episode, Tyler Emrick, CFA®, CFP®, reveals why many advisors miss that extra edge and how True Wealth Design’s holistic approach—integrating smart investments, proactive tax strategies, and comprehensive financial planning—ensures you capture every opportunity.

Here’s some of what we discuss in this episode:

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth