LLC vs S-Corp vs Sole Proprietorship — which business structure saves you the most in taxes, protects you from liability, and sets you up for retirement? CPA Daniel breaks it all down.

In this video, I sit down with Daniel the CPA to cover everything business owners need to know about structuring their business the right way — especially if retirement is on the horizon.

We cover:

LLC vs S-Corp vs Sole Proprietorship: which one is right for you

How to pay yourself as a business owner (and why it matters for qualifying for a mortgage, saving for retirement, and maximizing Social Security)

Liability protection strategies that most small business owners overlook

Tax savings strategies a CPA actually recommends

How your business structure today affects your retirement income tomorrow

The mistakes Daniel sees business owners make over and over again

Whether you're a business owner in your 30s just getting started or in your 50s and 60s planning your exit, this conversation gives you the CPA perspective most people never hear.

🔷 WORK WITH US:

📌 CPA Help From Daniel:

https://danielthecpa.com/

📌 Medicare Help:

https://theretirementnerds.com/

📌 Financial Planning & Social Security Strategy:

https://capitafinancialnetwork.com/

📌 Estate Planning:

https://easylegalplanning.com

📌 Subscribe for more retirement clarity — no fear, no fluff, just facts:

https://www.youtube.com/@Theretirementnerds?sub_confirmation=1

🔷 MORE VIDEOS WITH DANIEL:

https://youtu.be/G1Dc6gVv90g

https://youtu.be/aI3TBDkBMbU

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Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

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⏰ TIME CODES ⏰

0:00 Intro

1:48 Business Structures

3:14 Paying Yourself Properly

10:17 S-Corp vs Others

6:02 Goals Shape Structure

17:57 Loans & Personal Guarantees

20:08 Selling & Acquiring Businesses

17:17 Write Offs

32:37 Common Write Off Mistakes

24:50 Realities of an Audit

41:38 When to Bring In a CPA

45:35 Accounting Myths

49:20 Ranking Tax Advice

53:24 Valuable Tools for Business Owners

55:20 Where to Get Help

=============================

#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #businessowner #taxes #tax

PLEASE NOTE:

This video is for education purposes only.It does not constitute legal or tax advice for your specific situation.

Roth conversions, Social Security timing, RMDs, and IRMAA — what order should you tackle retirement decisions? Most people start with the wrong one.

In this episode, Erik Soderborg from The Retirement Nerds and Zacc Call from Capita Financial Network break down a step-by-step sequencing framework for retirement income planning. If you've been told to prioritize Roth conversions above everything else, this video explains why that approach can backfire — and what to anchor first instead.

This is Episode 5 of our Social Security series.

Watch the full series:

▸ Episode 1: https://youtu.be/AZfxGBp-Mts

▸ Episode 2: https://youtu.be/Ssgulq9KwEU

▸ Episode 3: https://youtu.be/FpnHmouqYl4

▸ Episode 4: https://youtu.be/vDxe7vUxC1I

Zacc's Channel:

ttps://www.youtube.com/@ZaccMoneyEducation

📋 Want help building your own Social Security plan?

https://theretirementnerds.com/

📘 Free Medicare Guide:

ttps://theretirementnerds.com/medicare-playbook/

⚖️ Need an estate plan?

Set up your revocable living trust with Jim Burch:

ttps://easylegalplanning.com/

===============================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

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ABOUT THE RETIREMENT NERDS

Erik spent years inside the insurance and pharmacy benefit industries before switching sides to help retirees navigate Medicare, Social Security, financial planning, and estate planning — without the spin.

Subscribe: https://www.youtube.com/@Theretirementnerds

Website: https://theretirementnerds.com/

⏰ TIME CODES ⏰

0:00 Intro

2:10 The Seating Chart

5:50 Factors To Change the Seating

7:30 Net Present Value of Taxes

9:58 The Base Case: Convert Nothing

11:40 The Framework

21:13 The Unsolvable Loop

23:05 The Most Flexible Seat

24:35 Surprising Roth Philosophy

26:08 Questions from the Internet

38:10 Most Important Points

42:06 Where to Get Help

=============================

#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #rothconversion

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved.

Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast.

Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

When should you take Social Security — at 62, 67, or 70? The answer depends on whether you're single or married, and the math looks very different for each. In this episode, Erik Soderborg and Zacc Call, president of Capita Financial Network, sit down and walk through real break-even analyses for single filers and married couples side by side.

This is Part 4 of our 4-part Social Security series, and it's where the theory from previous episodes meets actual numbers.

We run multiple scenarios showing how filing age, spousal coordination, survivor benefits, cost of living adjustments, and investment growth all shift the break-even point — sometimes by years. If you've been trying to figure out the right time to file, this is the episode that puts it all together.

📌 Watch the full Social Security series:

▸ Part 1: https://youtu.be/AZfxGBp-Mts

▸ Part 2: https://youtu.be/Ssgulq9KwEU

▸ Part 3: https://youtu.be/FpnHmouqYl4

🔗 Want help building a retirement income plan around your Social Security filing decision?

Visit https://theretirementnerds.com/ to connect with our team.

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

⏱️ Timestamps

0:00 Intro

1:22 Scenario Types

2:00 Case 1: Single, Never Married

12:22 Case 2: Married, Same Age, Different PIAs

21:08 Case 3: Married, Same Age, Similar PIAs

28:29 Case 4: Married, Different Age, Different PIAs

35:22 Case 5: Married, Different Age, Similar PIAs

41:54 Case 6: Single, Deceased Spouse

48:13 Case 7: Single, Multiple Previous Marriages

55:04 Where to Get Help

#SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToTakeSocialSecurity #SocialSecurity62vs70 #TheRetirementNerds

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved.

Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast.

Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Social Security break-even age — it sounds simple, but most people calculate it wrong. In this episode, Erik Soderborg sits down with Zacc Call, president of Capita Financial Network, for Part 3 of our 4-part Social Security series.

We walk through how to actually calculate your Social Security break-even age and break down the 3 most common mistakes that lead to an inaccurate number — and potentially a bad filing decision.

We cover why ignoring the Cost of Living Adjustment (COLA) skews your break-even, why Social Security filing needs to be a team decision with your spouse, and why you can't ignore the investment growth you'd get by leaving your portfolio untouched while delaying benefits.

Whether you're 62 and deciding when to file or still a few years out, this episode gives you the framework to make a smarter, more informed decision.

📌 Watch the full Social Security series:

▸ Part 1: https://youtu.be/AZfxGBp-Mts

▸ Part 2: https://youtu.be/Ssgulq9KwEU

🔗 Want help building a retirement income plan that accounts for Social Security, taxes, and investments? Visit https://theretirementnerds.com/ to connect with our team.

⏱️ Timestamps:

0:00 Intro

1:38 Break Even Basics

5:13 Mistake #1: COLA

6:52 Mistake #2: Team Sport

9:18 Mistake #3: Growth on Growth

17:37 Example 1: Same BD, Similar Benefits

27:49 Life Expectancy Ideas

29:59 Example 2: Different BD, Different Benefits

40:33 Where to Get Help

Check out our resources at https://TheRetirementNerds.com/

Send me a message!

[email protected]

Be Sure to Subscribe to our Channel!

YouTube: @theretirementnerds

Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/==================================

#SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToFileSocialSecurity #SocialSecurityMistakes #RetirementIncome #theretirementnerds

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved.

Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast.

Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Are you getting every Social Security benefit you're entitled to?

Most retirees only claim one — but there are actually four different types of benefits available depending on your situation.

In this video, I sit down with Zacc Call, President of Capita Financial Network, to walk through what I call "The Social Security Menu" — every benefit option available to you in retirement.

We cover:

🔹 Your own retirement benefit (PIA) — how it's calculated and when to claim

🔹 Spousal benefits — what you're entitled to based on your spouse's record

🔹 Ex-spousal benefits — the rules most divorced retirees don't know about

🔹 Survivor benefits — how this works and why the timing matters

We break down the percentages, age requirements, filing rules, and common mistakes people make when choosing from the Social Security menu.

SOCIAL SECURITY VIDEO SERIES:

Episode 1: https://youtu.be/AZfxGBp-Mts

📌 Timestamps:

0:00 Intro

1:53 The Menu

2:50 Your Personal Benefit

5:58 Spousal Benefits (Currently Married)

12:39 Spousal Benefits (Divorced)

19:42 Survivor Benefits

24:22 Survivor with Remarriage

32:29 Disability Benefits

33:34 Medicare Implications

35:06 More Help

👉 Want help with your Social Security and retirement income strategy? Visit https://theretirementnerds.com

📺 Subscribe for weekly retirement planning content:

https://www.youtube.com/@Theretirementnerds

#SocialSecurity #RetirementPlanning #SpousalBenefits #SurvivorBenefits #SocialSecurityBenefits #RetirementIncome #MedicarePlanning #FinancialPlanning #SocialSecurityTips #RetirementNerds

ABOUT THIS CHANNEL:

The Retirement Nerds simplifies Medicare, Social Security, financial planning, and estate planning so you can make informed decisions heading into retirement. No fluff. No sales pitches. Just the facts.

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

Federal Disclaimer:

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved.

Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast.

Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

💵 How is your Social Security benefit calculated?

In Part 1 of our 4-part Social Security series, financial expert Zacc Call explains the Primary Insurance Amount (PIA) - the foundation of your Social Security retirement benefit - and reveals proven strategies to increase your monthly payment.

Whether you're years away from claiming or approaching retirement, understanding how Social Security calculates your benefit is crucial to maximizing your lifetime income. This video breaks down the complex PIA formula into simple terms and shows you exactly what you can do to boost your monthly check.

How to Set Up Your My Social Security Account:

https://youtu.be/B5n4OwOoGTY

Other Useful Videos:

https://youtu.be/KXFqGra9qHI

https://youtu.be/ZetbFdEqi2A

https://youtu.be/NxH2jHzZwFo

Check out our resources at https://TheRetirementNerds.com/

Connect with Zacc's Team at Capita:

CapitaFinancialNetwork.com

=============================

Send me a message!

[email protected]

==========================================================

Be Sure to Subscribe to our Channel!

=============================

YouTube: @theretirementnerds

============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Intro to this Episode

1:08 The Calculation of AIME

5:50 Bend Points

9:42 How to Increase Your Benefits

15:41 Working Part Time

17:45 Working and Taking SS

25:18 My SSA Account Resources

26:52 When You File Matters

32:00 Medicare Implications

35:10 What's On The Menu

36:55 Where to Get Help

=============================

#medicare #theretirementnerds #socialsecurity #retirementnerds #finance

Federal Disclaimer:

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice.

Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

How much does long-term care really cost — and how do you actually prepare for it? In this video, I sit down with Marc Glickman, President of BuddyIns, to break down everything you need to know about long-term care insurance — from how to get it, what it covers, and most importantly, how to actually use it when the time comes.

With average long-term care costs running $6,400 per month or more, this is a conversation every retiree and pre-retiree needs to have.

Marc shares his expert insight on navigating the process, avoiding common mistakes, and making sure your policy works for you — not against you.

Website to get a quote or connect with Marc:

https://partner.buddyins.com/retirementnerds

Long Term Care 101 Video:

https://youtu.be/ytsdfesv_uk

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a message!

[email protected]

==========================================================

Be Sure to Subscribe to our Channel!

=============================

YouTube: @theretirementnerds ============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Intro

0:30 Employer Options

3:18 Underwriting

4:17 If You Leave Employer

5:20 Premium Increases

8:20 Under 65 vs Over 65

10:30 How to Use a Policy

13:20 Where to Get Care

16:23 Beware Overinsurance

22:15 Gender Implications

24:07 Future of Care (Robots?)

28:50 Where to get help

=============================

#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #longtermcareplanning

Federal Disclaimer:

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

💰 Considering an annuity for retirement income? Financial expert Zacc Call breaks down everything you need to know about annuities - how they work, the fees involved, pros and cons, and whether they're the right choice for YOUR retirement.

If you've been approached by a financial advisor about purchasing an annuity, or you're exploring guaranteed income options for retirement, this interview will give you the honest facts you need to make an informed decision.

Get the Annuity Guide shown in the video here:

https://theretirementnerds.com/annuity-guide-download/

Get the Financial Professionals Guide here:

https://theretirementnerds.com/financial-professionals-guide/

Financial Professionals Video:

https://youtu.be/8uC1lgkZUWE

How to reach Zacc's Team:

https://capitafinancialnetwork.com/

Zacc's YouTube Channel:

https://www.youtube.com/@ZaccMoneyEducation

Your Best Financial Year Newsletter:

https://www.capitafinancialnetwork.com/your-best-financial-year

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a [email protected]

==========================================================

Be Sure to Subscribe to our Channel!

=============================

YouTube: @theretirementnerds

============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Intro

0:25 Who should ignore annuities

3:27 Who should consider annuities

8:20 Different Categories of Annuities

9:50 The Pension Annuity

22:45 The Bond Imitator Annuity

31:08 The Investment Portfolio Annuity

42:28 The Downside Protector Annuity

54:15 Account Value vs Income Value

59:59 The Boxed-In Investor Annuity

1:08:48 The Kitchen Sink Annuity

1:16:10 How Salespeople are Compensated

1:23:57 Deciding on Which

1:32:51 Zacc's Plea

1:33:33 Where to get help

=============================

#annuity #annuities #theretirementnerds #retirementnerds #finance

Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Required Minimum Distributions can be one of the most confusing parts of retirement planning — and getting them wrong can lead to unnecessary taxes, missed opportunities, and costly mistakes.

In this video, we discuss:

• What Required Minimum Distributions are

• When RMDs start

• How RMDs are calculated

• Common RMD mistakes retirees make

• How RMDs affect taxes in retirement

• Retirement planning strategies related to RMDs

RELATED VIDEOS:

https://youtu.be/aiv9eW8tizk

https://youtu.be/yhT_MkMT2Oc

https://youtu.be/zjrbXScvmDA

CONNECTING WITH ZACC:

Phone: 801-566-5058

Email: [email protected]

Website: CapitaFinancialNetwork.com

Your Best Financial Year: https://www.capitafinancialnetwork.com/your-best-financial-year

Subscribe to The Retirement Nerds for more videos on retirement planning, Medicare, Social Security, taxes, and financial decisions that matter in retirement.

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a message!

[email protected]

==========================================================

Be Sure to Subscribe to our Channel!

=============================

YouTube: @theretirementnerds ============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Intro

1:16 RMD Definition

2:35 Accounts Subject to RMDs

3:35 Timelines

5:19 How Do They Make You?

12:37 Multiple IRAs and 401(k)s

18:45 How RMDs Calculated

21:50 Who Should Be Aware?

28:19 How Scary Are RMDs?

30:25 Suzy's Example

41:40 Real Example: Paying off Home

44:34 Cancer Example

47:50 Inheritance Implications

49:49 Big Age Gap Between Spouses

52:02 Planning for RMDs

58:34 Account Growth Outpacing RMDs

1:01:10 QCD & DAF Clarifications

1:05:14 Final Message About RMDs

1:07:19 Question from the Comments

1:10:56 Where to Get Help

=============================

#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #RMDs #requiredminimumdistribution

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Do you know about the two Roth 5-year rules? If you don't, violating them could cost you thousands in penalties and taxes.

RELATED VIDEOS:

https://youtu.be/RODrPaJ-xNU

https://youtu.be/9boiPwzOats

ZACC'S CHANNEL:

https://www.youtube.com/@ZaccMoneyEducation

CAPITA FINANCIAL NETWORK LINKS:

Email: [email protected]

Website: https://capitafinancialnetwork.com/

Your Best Financial Year Program: https://www.capitafinancialnetwork.com/your-best-financial-year

✅ Topics covered:

• The Forever 5-Year Rule

• The 5-Year Penalty Rule

• Examples

• A framework to help you avoid these issues

Check out our resources at https://TheRetirementNerds.com/

=============================

Send me a [email protected]

==========================================================

Be Sure to Subscribe to our Channel!

=============================

YouTube: @theretirementnerds

============================================================

Join our newsletter for monthly tips, book recommendations, and personal stories!

https://theretirementnerds.com/newsletter/

============================================================

⏰ TIME CODES ⏰

0:00 Intro

0:23 The Two 5-Year Rules

3:40 Rule #1 - The Forever 5 Year Rule

7:59 Rule #2 - 5-Year Conversion Rule

9:23 5 Examples

9:53 Example 1 - George Dream Car

15:06 Example 2 - Susan's Serger

18:27 Example 3 - Richard's Cabin

25:18 Example 4 - Jared's Urns

29:54 Example 5 - Margo's Obsession

43:30 Question from Viewer

48:22 Where to Get Help

=============================

#investing #theretirementnerds #roth #rothvstraditional #retirementnerds #finance

Disclosure:

This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.