Most people think a financial plan is a set of projections… a retirement number… or a long report that tells you whether you’re going to be okay.

In reality, many of those plans end up as 60–90 page documents that sit on a shelf and rarely get used.

But a real financial plan should do a lot more than that.

In this episode, we walk through what a financial plan should actually do, especially for pre-retirees and retirees making important decisions around retirement, taxes, income, and long term planning.

We cover:

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

Most people walk into their first meeting with a financial advisor expecting a presentation—charts, investments, maybe even a pitch.

But a real discovery meeting shouldn’t feel like that at all.

In this episode, we break down what a first meeting with a financial advisor should actually look like, especially for pre-retirees and retirees trying to make important decisions around retirement, taxes, income, and long-term planning.

We walk through:

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

As you get closer to retirement, it’s usually not one big mistake that throws things off — it’s a handful of smaller decisions that can quietly add up over time.

In this episode, Tyler Emrick, CFA, CFP®, walks through five of the most common money moves near retirees make and what to be thinking about instead as you transition into retirement.

We cover:

If you’re within a few years of retirement, this episode will help you avoid some of the most common pitfalls and make more intentional decisions with your money.

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

Most people get their tax return back, sign it, and move on.

But your 2025 tax return is more than a summary of last year — it’s a roadmap for smarter tax planning going forward.

In this episode, Tyler Emrick, CFA, CFP®, walks line-by-line through the key parts of your return and shows you exactly what to look for, including:

Where interest income may be creating unnecessary tax drag

Whether you’re approaching retirement or already there, this episode will help you turn your tax return into a planning tool — not just paperwork.

If you have your return handy, follow along and see how these strategies apply to your situation.

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

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

Trump Accounts explained (2026): how they work, who qualifies for the $1,000 government contribution, and whether they’re actually worth using compared to a 529 plan, Roth IRA, or custodial account.

Trump Accounts are a new investment account for kids created under 2025 legislation. The accounts promise $1,000 in initial funding from the government and allow up to $5,000 per year in contributions, but the tax treatment is very different from other strategies families are used to.

In this episode, we break down:

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

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth

If you’ve inherited an IRA, the rules have changed — and getting them wrong can be costly.

The SECURE Act replaced the old “stretch IRA” with a 10-year distribution rule for most non-spouse beneficiaries, creating new complexity around when and how withdrawals must be taken. Many beneficiaries don’t realize that in some cases, required minimum distributions (RMDs) still apply within that 10-year window.

In this episode, Tyler Emrick, CFP®, CFA®, breaks down how the 10-year rule works, who it applies to, and the key mistakes that can lead to unnecessary taxes and penalties.

Tyler covers:

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

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth

Social Security is often treated as a simple decision — pick an age and file. But for couples, it is much more than that.

In this episode, Tyler Emrick, CFP®, CFA®, explains how Social Security decisions should be coordinated between spouses and why the timing of those decisions can impact your retirement income by $100,000 or more.

With growing concerns around system changes and long-term funding, making the right decision matters more than ever.

Tyler covers:

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

A strong market can create a new problem. A single stock or ETF grows to represent a large portion of your net worth. Now you face a difficult tradeoff: diversify and trigger a large tax bill, or hold the position and accept concentrated risk.

In this episode, Tyler Emrick, CFP®, CFA®, walks through practical strategies for managing concentrated stock positions in a tax-efficient way.

You will learn:

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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