Retiring Today

You saved. You planned. You built a $2 million IRA, but every dollar in that account has never been taxed before. The question was never if you'd pay taxes on it, the question is how much? With proactive strategies in place, you may be able to keep a lot more of that money than you'd expect.

In this episode, Loren Merkle and Clint Huntrods walk through three strategies for pre-retirees sitting on a large, all pre-tax IRA so you can make decisions on your terms, not the IRS's.

What We Cover:

✅ Why the window between retirement and your RMD age (73 or 75) may be your biggest tax planning opportunity

✅ An example of how one family divided $2 million into four purposeful buckets and cover a $4,500/month income shortfall

✅ The in-service rollover strategy that can give you more investment control at age 59½

✅ How a Charitable Remainder Unitrust (CRUT) can stretch distributions beyond the SECURE Act's 10-year rule

✅ Why tax planning is not a "set it and forget it" decision and what to review every single year

If you're 55 or older with a significant amount saved in a traditional IRA or 401(k), this episode is for you.

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Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4l6ORM9

📖 Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, Certified Financial Fiduciary®, PhD

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

If retirement taxes feel confusing, you’re not alone. Pre-tax accounts, Roth accounts, required minimum distributions (RMDs), Social Security taxes—there are a lot of rules, and they don’t always work the way people expect.

In this episode, we explain retirement taxes in plain language so you can understand how your accounts are taxed, why confusion is so common, and how planning ahead can create more clarity and control.

Retirement taxes don’t have to feel overwhelming. Understanding how the rules work is the first step toward making more confident retirement decisions.

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Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4jJyPqK

Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

When you think about retirement, what do you see yourself doing? A lot of people don't have an answer to that question, and that's where loneliness can start to creep in. This episode looks at the AARP 2025 loneliness survey, which found that 40% of adults over 45 report feeling lonely. That's the highest it's been since they started tracking this back in 2010. We talk about why loneliness often goes unrecognized, who it affects most, and how the transition to retirement can catch you off guard if you're not prepared for it. Planning for what you're actually going to do with your time matters just as much as planning your income. It's how you build connection, keep your sense of purpose, and protect your wellbeing as you move into this next phase.

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🗓️ Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4tOhceb

📖 Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

AnnaMarie Morrow, Director of Medicare & Long-Term Care

https://merkleretirementplanning.com/staff-members/annamarie-morrow/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

A Roth conversion means paying taxes now instead of later, but is it the right move for your retirement? We'll explain exactly how Roth conversions work, walk through a $100k example that shows the actual tax impact over 25 years, and give you three critical questions to ask before you convert. Whether you're planning for retirement or already there, this episode can help you decide if a Roth conversion makes sense for you.

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Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4aAXuK7

📖 Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, Certified Financial Fiduciary®, PhD

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Most people think of their 401(k) as their retirement plan. Your 401(k) tells you your balance, but it doesn't answer the questions that actually matter:

"When can I retire?"

"How much can I safely spend each month?"

"What about health insurance before age 65?"

This episode breaks down what a comprehensive retirement plan looks like and why having it in writing changes everything.

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🗓️ Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4amKhFu

📖 Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE

--

Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

A common saying is you need a million dollars for retirement, but what does that actually mean for you? In today's episode, you'll meet Tom and Sandy. They have $1 million saved for retirement at age 65, and in their first iteration of their plan, the money was going to run out at age 79. Instead of panicking or giving up on retirement, we tested different strategies to see what actually works for them. This is a hypothetical case study, but these are strategies to consider and test in your own retirement plan. These are the strategies we explore with pre-retirees everyday to help them confidently enter their next chapter.

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🗓️ Ready to take the next step? Schedule your RetireReady Call at https://bit.ly/4pNZYKt

📖 Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

If you have $1 million saved for retirement, how long will it last? We put this question to the test with four different spending scenarios, and the results might change how you think about your retirement plan.

What we cover

00:00 Intro

00:30 The #1 Question Retirees Ask About Their Savings

01:30 Why Stress Testing Your Portfolio Matters

03:18 Scenario 1: 40k Withdrawal

06:25 Scenario 2: 50k Withdrawal

07:24 Scenario 3: 60k Withdrawal

09:24 Scenario 4: 80k Withdrawal

11:00 Three Phases of Retirement Spending

13:52 Stress Testing Against Market Volatility

15:55 Client Success Story

These scenarios are based on steady portfolio withdrawals and do not account for Social Security, pensions, or other income sources—so your actual retirement income may vary.

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Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/3LvY5Uy

Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE

--

Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, Certified Financial Fiduciary®, PhD

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

In July of 2025, Washington passed the One Big Beautiful Bill Act, and it's changing retirement tax planning in ways most people haven't heard about yet. If you plan proactively, these changes could save you thousands on your retirement tax bill.

But it's not just this one bill. Congress has been consistently changing the rules around retirement—from RMD ages shifting multiple times in recent years, to inherited IRA rules that caught millions of beneficiaries off guard. Every legislative session can bring new complexity to retirement planning.

What we cover in this episode:

00:00 Washington's Impact on Retirement

00:32 The One Big Beautiful Bill Act

03:54 The New Senior Bonus Explained

08:26 Secure Act and Required Minimum Distributions (RMDs)

10:46 The Inherited IRA 10-Year Rule

15:36 Government Shutdowns: Social Security & Medicare

18:24 Market Volatility & Your Portfolio

These legislative changes add complexity to retirement planning, but they also create opportunities for tax savings if you plan proactively.

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Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4jEw8a5

Get the tools you need to prepare for retirement with the Retire Your Way Toolkit: https://bit.ly/49bO1bi

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, Certified Financial Fiduciary®, PhD

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

If retirement is starting to feel real, there are important decisions that need to be addressed before that final paycheck.

In this episode, we walk through our Retirement Ready Checklist, a 9-step process we use to help families understand what deserves attention before retirement, not after. It’s designed to bring clarity, confidence, and organization to one of the biggest transitions of your life.

Rather than focusing on products or predictions, this episode is about awareness, organization, and confidence — helping you see the full picture of your retirement so you can make informed decisions moving forward.

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Get the tools you need to prepare for retirement with the Retirement Ready Checklist: https://bit.ly/4apw5w3

Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/48YO36e

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

AnnaMarie Morrow, Director of Medicare & Long-Term Care

https://merkleretirementplanning.com/staff-members/annamarie-morrow/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The One Big Beautiful Bill (OBBB) is one of the most significant tax updates in recent years—and for retirees, it’s not just about what changed, but how it affects real-world decisions. From a new $6,000 deduction for seniors to changes in how overtime, tips, and even mortgage interest are taxed, these changes can have a significant impact on your retirement plan.

What You Should Know

👉 The $6,000 senior bonus deduction is introduced, but it’s not permanent.

👉 Tips and overtime may be tax-deductible—but rules vary by income.

👉 The SALT cap increases to $40K, which may affect itemizing.

👉 Social Security taxes stay the same.

The One Big Beautiful Bill brings big updates, but also complexity. This episode breaks down the parts of the bill that pertain to retirees.

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Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/3WXxCBH

Get the tools you need to prepare for retirement with the Retire Your Way Toolkit: https://bit.ly/4oKpQXR

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Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, Certified Financial Fiduciary®, PhD

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today with Loren Merkle

https://merkleretirementplanning.com/staff-members/molly-nelson/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.