The Retirement Nerds

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

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[email protected]

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YouTube: @theretirementnerds

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⏰ 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

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#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/

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[email protected]

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Be Sure to Subscribe to our Channel!

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

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

https://theretirementnerds.com/newsletter/

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⏰ 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

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#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/

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Send me a [email protected]

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Be Sure to Subscribe to our Channel!

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YouTube: @theretirementnerds

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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

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

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#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/

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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

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#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/

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Send me a [email protected]

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Be Sure to Subscribe to our Channel!

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YouTube: @theretirementnerds

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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

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

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#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.

Talking to your parents about estate planning can feel uncomfortable… but waiting too long can create confusion, conflict, and costly mistakes.In this episode, Jim Burch talks about how to start the estate planning conversation with your parents — without causing tension or resistance. This conversation is essential for adult children, caregivers, and anyone navigating family financial planning.

Contact Jim:

[email protected]

https://easylegalplanning.com/

OTHER ESTATE PLANNING VIDEOS:

https://youtu.be/nkFQmsdCW-I

https://youtu.be/GlF9z6jyMio

Subscribe for more interviews about Medicare, financial planning, estate planning, retirement strategy, and real-life conversations that matter.

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

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Send me a message!

[email protected]

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Be Sure to Subscribe to our Channel!

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

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

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

https://theretirementnerds.com/newsletter/

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⏰ TIME CODES ⏰

0:00 How to Start The Conversation

4:01 What Benefits Can I Present?

5:40 The Right People in the Right Seats

7:28 Multiple Decision Makers

9:37 Emotions vs Logic

11:30 Guilt of Decisions

12:58 Tips on Starting the Conversation

14:35 Other Resources

16:23 Where to Get Help

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

#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #estateplanning #estateplan

Disclaimer:

This is not legal advice. Please consult with an estate planner around your specific situation.

If you want to know how to approach a mathematically sound roth conversion strategy, watch this video!

Social Security Taxability Video:

https://youtu.be/NxH2jHzZwFo

Get the Free Social Security Taxability Worksheet Here:

https://theretirementnerds.com/social-security-worksheet/

Need help? Email me!

[email protected]

Visit our website: https://www.TheRetirementNerds.com

Join our newsletter:

https://theretirementnerds.com/newsletter/

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This video is NOT sponsored.

The Retirement Nerds is the no-cost educational platform and serves to offer information around Medicare, Social Security, Financial Planning, and Estate Planning. =============================

Send me a message!

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⏰ TIME CODES ⏰

0:00 Intro

1:00 3 Steps to Do Roth Right

3:25 Conversions vs Contributions

5:13 Step 1: Model Out Taxable SS Income

7:00 Step 2: Layer On Other Income

8:01 Step 3: Understand Traditional, Roth, After Tax

10:45 Starting the Analysis

15:24 Understanding Extra Income Needs

16:16 Serious Issues with Software

17:35 Convert Nothing Idea

29:48 Convert Everything Idea

45:30 Pros & Cons of Convert Nothing and Everything

52:03 Convert Something... how much?

1:06:49 Pros & Cons of Converting Something

1:09:24 Bringing it all together

1:10:25 Question From The Internet

1:16:24 Where to get help

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#rothira #theretirementnerds #retirementnerds #rothvstraditional #retirement #retirementplanning #retirementinvesting #retirementadvice #retirementincome #finance #financialfreedom

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.

Most people know they should have an estate plan — yet millions never finish one. In this episode of The Retirement Nerds, I sit down with estate planning expert Jim Burch to break down the biggest hurdles that stop families from completing their estate plan — and how to overcome them.

We talk through the most common barriers, including fear of cost, not knowing where to start, avoiding uncomfortable conversations, information overload, and the belief that you must immediately hire a lawyer.

Jim explains why these concerns are so common and shares practical ways families can move forward with confidence.

If you’ve been putting off your estate plan, this conversation will help you understand what’s actually holding you back — and how to finally get it done.

How to Get A Hold of Jim:

Website: EasyLegalPlanning.com

Email: [email protected]

OTHER VIDEOS WITH JIM:

https://youtu.be/nkFQmsdCW-I

https://youtu.be/jaKuNJsLSX4

https://youtu.be/pr5sUzt5agw

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

1:00 Costs

4:48 Where to Start

9:38 Afraid to Have the Conversation

13:30 Good and Bad Information

19:13 I Don't Want to Hire an Attorney

21:30 Where to Get Help

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#estateplan #estateplanning #willvstrust #theretirementnerds #socialsecurity

Disclaimer:This is not legal advice. Consult with an estate planning expert for your specific needs.

If you want to help your children financially without triggering unnecessary taxes or IRS headaches, Daniel the CPA explains how to do this in the smartest, most tax-efficient ways.

We cover the annual gift tax rules, common mistakes retirees make misunderstanding step up in basis, how gifts can impact your overall tax picture, and the strategies CPAs use to transfer wealth while minimizing taxes. If you’re thinking about helping your kids with a home, education, or everyday expenses, this interview will help you avoid costly errors.

Daniel Astleford is a Certified Public Accountant (CPA) and runs his own accounting firm.

HERE IS WHERE TO FIND DANIEL:

Website: https://danielthecpa.com/

LinkedIn: https://www.linkedin.com/in/daniel-astleford/

OTHER VIDEO WITH DANIEL:

https://youtu.be/G1Dc6gVv90g

OTHER RELEVANT VIDEOS:

https://youtu.be/zjrbXScvmDA

https://youtu.be/nkFQmsdCW-I

The Retirement Nerds:

⬜️ Join The Retirement Nerds circle here - https://theretirementnerds.com/

⬜️ Join the Monthly Retirement Nerds Newsletter here - https://theretirementnerds.com/newsletter/

⏱ Timestamps:

00:00 Intro

01:30 Individual Annual Exclusion

02:54 Tax on Funds Used as Gift

06:09 Gifting Cash vs Other Assets

09:39 Gifting Real Estate

13:42 Education Expenses

15:49 Medical Expenses

16:34 The Death Tax

20:50 Where to Get Help

PLEASE NOTE:

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