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Retirement Decoded Podcast episodes
- Episode 50: Passing Assets to Siblings—While Avoiding Courts and LawyersScott has a straightforward goal: He wants to leave his assets to his siblings—but he doesn’t want them bogged down with courts, lawyers, or unnecessary expenses. In this episode, we discuss strategies for passing assets efficiently, including beneficiary designations, transfer-on-death tools, and ways to keep your estate out of probate. If you’re looking for a simple, cost-effective plan to make sure your loved ones inherit smoothly, this episode is for you.
Get on our phone calendar, for free, at TuckerRetirement.com.17 min - Episode 49: When Inheritance Isn’t Equal: Greg’s Estate Planning QuestionGreg has a complicated estate planning question: He wants to leave money to his grandchildren—but also cut one of his daughters out of what would normally be “her share.” In this episode, we explore the key issues behind Greg’s decision, including fairness, family dynamics, and the legal tools available to make sure his wishes are carried out. Whether you’re thinking about unequal inheritances or setting aside assets for the next generation, you’ll learn what to consider and how to avoid common pitfalls.
Get on our phone calendar, for free, at TuckerRetirement.com.17 min - Episode 48: Mary Considers Selling Stock for Health Insurance—Is It the Right Move?Mary is weighing a big decision: Should she sell a specific stock to pay for her health insurance until she turns 65 and qualifies for Medicare?
In this episode, we walk through the factors she—and anyone in her position—needs to consider, from taxes and investment strategy to healthcare costs and risk management.
If you’re facing the challenge of bridging the health insurance gap before Medicare, this conversation will help you understand your options and the trade-offs involved.
Get on our phone calendar, for free, at TuckerRetirement.com.18 min - Episode 47: Dennis’s Tax Questions: Home Cost Basis, Mortgage Interest, and More…Dennis has questions about the cost basis of a primary residence, mortgage interest deductions, and other key homeownership tax topics. In this episode, Scott explains how cost basis is calculated, what expenses can be included, and how mortgage interest rules work under current tax law. We’ll also touch on capital gains exclusions, recordkeeping tips, and ways to make smart tax moves when buying or selling a home.
Get on our phone calendar, for free, at TuckerRetirement.com.25 min - Episode 46: Should Fred cash-out his life insurance policy?Fred’s got a big decision on his hands: Should he cash out his life insurance policy or keep it in place?
In this episode, Scott explains how life insurance cash values work, the tax implications of a surrender, and the factors to consider before making the call.
We’ll look at when cashing-out might make sense, when it could be a costly mistake, and how to align the decision with your overall financial plan.
Get on our phone calendar, for free, at TuckerRetirement.com.18 min - Episode 45: Roth IRA as a sinking fund? Laurie wants to knowLaurie has a unique question:
Can you use a Roth IRA as a sinking fund for short-term goals?
In this episode, Scott breaks down how Roth IRAs work, what a “sinking fund” really is, and the pros and cons of mixing the two.
We’ll cover tax implications, contribution limits, withdrawal rules, and when it might make sense—or not—to use a retirement account for non-retirement spending. Whether you’re thinking about a big purchase, planning for future expenses, or just curious about maximizing your Roth, this episode gives you the clear, practical guidance you need.
Get on our phone calendar, for free, at TuckerRetirement.com.24 min - Episode 44: Can Amy max-out her 401(k) and IRA at the same time?Amy wants to know if it’s possible—and smart—to max out both her 401(k) and her IRA in the same year.
In this episode, Scott & Max break down the contribution limits, eligibility rules, and strategic reasons you might want to do both.
Listen to learn how stacking retirement accounts could boost your long-term savings and lower your tax bill.
Schedule yourself for a free 15-minute phone consultation, with one of our financial planners, at TuckerRetirement.com.25 min - Episode 43: Can AI build Morgan’s retirement plan?Morgan wants to know if she can trust AI to build her retirement plan.
In this episode, Scott & Max explore the pros and cons of using artificial intelligence for financial planning.
Can algorithms really understand your goals, risks, and lifestyle?
Or is something missing without human advice?
Listen to learn where AI fits in—and where it falls short—when it comes to planning your financial future.
Schedule yourself for a free 15-minute phone consultation, with one of our financial planners, at TuckerRetirement.com.24 min - Episode 42: George Inherited a Roth IRA—Now What?When George inherits a Roth IRA, he's not sure what comes next.
In this episode, Scott & Max walk through the key decisions beneficiaries must make, including withdrawal rules, tax implications, and timing strategies.
Whether you’re inheriting from a spouse or a parent, you’ll learn what steps to take—and mistakes to avoid—so you can make the most of this tax-free asset.
Schedule yourself for a free 15-minute phone consultation, with one of our financial planners, at TuckerRetirement.com.23 min - Episode 41: Barbara Asks: Are There Coverage Caps with Obamacare?Barbara is wondering if her ACA (Affordable Care Act) health insurance plan has lifetime coverage limits—and it’s a smart question.
In this episode, we dive into what the ACA really says about lifetime and annual limits, how these rules protect you, and what to watch out for when reviewing your coverage.
If you rely on an ACA plan or are considering one, this is information you need to know.
Get on our phone calendar, for free, at TuckerRetirement.com.25 min
About Retirement Decoded Podcast
From the publisher's feed
Welcome to Retirement Decoded with your host, Scott Tucker—where we break down the complexities of retirement planning to give you clear, actionable advice. Whether you’re just starting…
out or getting ready to retire, Scott’s here to help you make informed decisions and preserve your financial future. Tune in each week as we help simplify the process and decode the path to a confident retirement.
Disclosure: Insurance products are offered through the insurance business Scott Tucker Solutions, Inc. Scott Tucker Solutions, Inc is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Scott Tucker Solutions, Inc are not subject to Investment Adviser requirements.
Disclosure: Insurance products are offered through the insurance business Scott Tucker Solutions, Inc. Scott Tucker Solutions, Inc is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Scott Tucker Solutions, Inc are not subject to Investment Adviser requirements.