Welcome to the Life and Finances Together Podcast brought to you by the team at Rinvelt & David. We’re here to discuss the financial topics that mean the most to you with the signature candor, humor, and expertise that Roger David and Jacob Rinvelt have come to be known for among our clients and friends. Our hosts will also connect you with area experts and charitable organizations to talk about everything from good health habits to the latest tax and insurance changes and more! You’ll always find something interesting and entertaining that brings life and finances together.

Required Minimum Distributions (RMDs) just got a whole lot more complicated.

Thanks to the SECURE Act 1.0 & 2.0, there are major changes to RMD ages, inherited IRA rules, Roth distributions, and more—and the penalties for getting it wrong can be steep.

In this episode, Roger and Jake explain:

How RMDs work under SECURE Act 2.0 (including new ages: 73 & 75)

The 3 types of IRA beneficiaries (EDB, NEDB, NDB) and how they change your withdrawal strategy

How to avoid massive tax hits from inherited IRAs

Why Roth IRAs are better to inherit than traditional IRAs

What happens if you miss an RMD

What to know about Qualified Charitable Distributions (QCDs)

The surprising truth about inherited IRA "faucets" you can't turn off

If you have a 401(k), IRA, or inherited account—or if you’re managing retirement planning for a parent or spouse—this episode is a must-watch.

Cash flow isn’t just budgeting — it’s the foundation of every meaningful financial plan. In this episode, we dive into why understanding your spending patterns, adjusting for inflation, and preparing for life’s curveballs are key to long-term financial stability. From everyday expenses to healthcare costs, we explore how detailed cash flow planning can help align your lifestyle with your values.

Topics include:

• Discretionary vs. non-discretionary spending

• Inflation’s impact on different costs

• Planning for one-time and unexpected expenses

• Life events and their financial ripple effects

• What “wiggle room” really means in retirement

Are you planning for retirement? Avoid these 5 critical mistakes that could derail your financial future.

In this episode, we cover:

How the Sequence of Returns can make or break your retirement income

Why market timing often leads to disaster

The importance of cash flow planning in early retirement

How emotions can sabotage investment performance

What realistic return expectations should actually look like

Whether you're already retired or just starting to plan, this guide will help you sidestep common pitfalls and create a smarter, more sustainable financial future.

Stay invested. Stay prepared. And build an all-weather retirement plan that works in any market condition.

In this episode, Roger is joined by Brian and Derek Boer of Boer Insurance Group. Together they explore the evolving landscape of risk and liability that today's homeowners face – and how insurance products like title insurance, identity theft protection, and umbrella policies fit into the picture.

Their discussion spans real-world examples of unexpected lawsuits - from contractors falling off ladders to boating accidents and dog-related injuries. They explain why some policies are shrinking in coverage while premiums rise, and how factors like rising verdicts, emotional distress claims, and negligence standards are reshaping how liability is assessed.

You’ll also hear insights into:

• Why umbrella coverage limits are changing and how insurers assess risk

• How lifestyle choices—like owning a boat, vacation home, or having teen drivers—increase liability exposure

• When umbrella insurance kicks in and real-life scenarios that triggered claims

• How courts calculate damages based on projected income, pain and suffering, and life disruption

• The growing role of emotional distress and quality-of-life considerations in large legal settlements

If you're navigating the realities of homeownership, this episode sheds light on the legal and financial exposures many people underestimate – and how evolving insurance tools may help manage them.

Are you planning for retirement? Avoid these 5 critical mistakes that could derail your financial future.

In this episode, we cover:

How the Sequence of Returns can make or break your retirement income

Why market timing often leads to disaster

The importance of cash flow planning in early retirement

How emotions can sabotage investment performance

What realistic return expectations should actually look like

Whether you're already retired or just starting to plan, this guide will help you sidestep common pitfalls and create a smarter, more sustainable financial future.

Stay invested. Stay prepared. And build an all-weather retirement plan that works in any market condition.

Navigating your 401(k) options can be overwhelming: whether you're changing jobs, nearing retirement, or optimizing your investment strategy. In this episode, our financial professionals Roger and Jake break down the essentials of 401(k) rollovers to help you make informed decisions about your retirement savings.

They cover the key differences between direct and indirect rollovers, potential tax implications, and how the Rule of 55 might allow penalty-free early withdrawals. You’ll also gain insights into in-service withdrawals and the often-overlooked benefits of Net Unrealized Appreciation (NUA) for company stock.

Topics Covered:

401(k) rollover options and key considerations

Direct vs. indirect rollovers: what you need to know

Understanding in-service withdrawals for active employees

The Rule of 55: accessing funds before retirement

Leveraging Net Unrealized Appreciation (NUA) for tax-efficient company stock management

Whether you're planning for the future or making critical financial moves, this episode provides practical insights for your retirement savings.

Don’t forget to like and subscribe for more discussions on financial planning and retirement strategies.

In this enlightening episode, our financial experts Roger and Jake dive into one of the most frequently asked questions in retirement planning: "When should I take Social Security?" Whether you're considering early retirement, planning to delay, or unsure of what makes the most sense for your financial situation, this episode is packed with valuable insights to help guide your decision.

You've spent decades paying into Social Security—it’s time to make sure you get the most out of it.

In this episode, we cover:

What is Social Security and why it’s a critical part of your retirement income

Understanding FRA (Full Retirement Age) and PIA (Primary Insurance Amount)

Should you take Social Security early? Key reasons it might make sense

Why delaying Social Security could significantly increase your monthly benefit

How Delayed Retirement Credits (DRCs) work and who benefits most from them

The importance of breakeven analysis when timing your benefits

How working during retirement affects your Social Security income

Common misconceptions that could cost you in the long run

The role of spousal benefits and survivor strategies in optimizing income

How to factor in taxes and income thresholds when claiming Social Security

Key takeaway: The decision to take Social Security early or delay should never be based on a rule of thumb. It should be rooted in your personalized financial plan, considering your income needs, health, longevity, and overall retirement strategy.

In this episode of the Life & Finances Together podcast, our financial professionals Roger and Jake dive deep into smart retirement income planning, helping you assess your retirement savings, optimize your investment strategy, and create a secure financial future. Discover expert tips on maximizing your 401(k), IRA, Social Security benefits, and more to help ensure you achieve the retirement lifestyle you’re hoping for. Tune in now for actionable insights on financial freedom during retirement!

On this episode, we invite you to learn more about the Rinvelt & David Difference as we feature a very special guest who will share with Roger and with you how they experience the Rinvelt & David Difference in their life and in their finances. We're honored to begin this special series with Robin & Mark's story.