The Retirement Nerds

By Erik SoderborgEducation

The Retirement Nerds episodes

January 19, 2025 Make Smart Money Decisions After the Death of Your Spouse with Jaeden May
Losing a spouse is one of the most devastating experiences. Finances are the last thing on your mind. But, if you don't plan, financial stress could cripple your freedom to mourn in peace.
Jaeden May from Adams Wealth Advisors outlines what to do when you lose a spouse and how to plan beforehand to make the unfortunate transition as easy as possible on you and your family.
*Connect with Jaeden here:*
https://adamswealthadvisors.com/jaeden
*Life Insurance Policy Locator*
https://eapps.naic.org/life-policy-locator/#/welcome
Here is a list from Health Equity of Qualified Medical Expenses (QME):
https://www.healthequity.com/hsa-qme
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.
⏰ TIME CODES ⏰
0:00 A Team Effort
3:30 Your Support Team
8:08 Important Financial Accounts
10:21 Life Insurance
14:12 Employer Pensions
16:14 Beneficiaries
20:14 Social Security Benefits
22:44 Revisit Your Plan
28:25 Remarriage
30:52 Single
32:10 Just the Start
33:30 Disclosures
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#estateplanning #financialplanning #90daysfromretirement
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 Adams Wealth Advisors. 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.
34 min
January 18, 2025 Avoid the Social Security Tax Torpedo with Zacc Call
If you're not careful, the fact that Social Security is taxable can lead to you making decisions that become much more expensive than you may have realized.
Zacc Call, President of Capita Financial Network, dives into the details of Social Security tax, which then helps determine the value of taking more money out of investments during retirement or whether or not a Roth conversion is worth it.
*Here is where to get the Spreadsheet referenced in the video:*
https://theretirementnerds.com/social-security-worksheet/
Be sure to check out Zacc's free financial podcast - The Financial Call:
https://www.thefinancialcall.com/guided-path
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Need help with your Social Security Strategy?
Email me!
[email protected]
Visit our website: https://www.TheRetirementNerds.com
Join our newsletter:
https://theretirementnerds.com/newsletter/
====================================
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.
⏰ TIME CODES ⏰
0:00 Intro
2:31 Background on How This Works
11:39 Spreadsheet Conversation Starts
11:54 Scenario 1 - Some Income + SS
21:18 Scenario 2 - More Income + Less SS
24:30 Scenario 3 - No Income + Lots of SS
31:45 State Tax Implications
33:23 Financial Advisor Incentive for Roth Conversions
38:48 Roth Conversion Logic
53:52 How to Get Help
=============================
#socialsecurity #socialsecuritytax #roth #90daysfromretirement
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.
56 min
January 16, 2025 Questions From the Internet: Roth vs Traditional with Zacc Call
How your investment accounts are taxed could save you considerable amounts of money if you use the right investment vehicle.

The two most common are Roth and Traditional accounts, especially as we talk about IRAs and 401(k)s. Our original video on Roth vs Traditional generated a lot of questions, so Zacc Call - President of Capita Financial Network - took some time to answer those questions.
Watch the original Roth vs Traditional video here:
https://open.spotify.com/episode/48MziVxRF0QkKY6IyWhof3?si=xo1ewuirSCGOjPtwpNrBIA
Zacc's free Financial Education Platform here:
https://www.thefinancialcall.com/guided-path
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Need help with Medicare or Social Security?
Send us a message!
====================================
[email protected]
=====================================================
Join our newsletter for monthly tips, book recommendations, and personal stories!
https://fog7tmqa.sibpages.com
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⏰ TIME CODES ⏰
0:00 Introduction
0:35 Traditional and RMDs
9:22 Are Taxes Going Up?
14:51 Roth Income Limits
16:16 Spousal IRA
18:10 Backdoor Roth
23:00 Will Roths Be Taxed?
28:16 How to Find Zacc
=============================
#90daysfromretirement #retirementplanning #financialfreedom
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.
29 min
January 14, 2025 Protect Yourself From Running Out of Money in Retirement with Zacc Call
If you are worried about running out of money during retirement, you are not alone. There are things outside your control that will impact your retirement funds. However, the more important things to worry about fall under your control and, with some discipline and knowledge, you can protect yourself against the external risks.
Zacc's free Financial Education Platform here:
https://www.thefinancialcall.com/guided-path
Free Withdrawal Strategy PDF:
https://assets-global.website-files.com/61bbaf4759074aa904a63ee6/6408c018dc007469c2e541bc_Withdrawals.pdf
Need help? Email me!
[email protected]
Visit our website: https://www.TheRetirementNerds.com
Join our newsletter:
https://theretirementnerds.com/newsletter/
=============================
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.
⏰ TIME CODES ⏰
0:00 Rules of Thumb Problem
7:40 External Factors Outside Your Control
8:19 Longevity Risk
10:08 Investment Risk
10:59 Sequence of Returns
26:45 Inflation Risk
31:47 Rise in Taxes
35:14 Summary of External Factors
37:08 Internal Factors Within Your Control
39:24 Live for the Future - Fear
43:47 Overspending - Lack of Discipline
46:24 Adult Children - Love
51:17 Structure of Income - Knowledge
51:34 Ripple Effects of Decisions - Knowledge
53:52 What You Can Do to Prepare
56:19 Now and Later vs Multi-stream
58:07 Stocks
1:02:28 Now and Later Bond Ladders
1:05:14 Fixed Index Annuity
1:07:27 Fixed Rate Annuity
1:09:16 Bond Fund Portfolios
1:12:09 Pension-Like Annuity
1:15:11 Annuity Riders
1:16:47 Multi-Stream Bond Ladders
1:18:10 Dividend Stocks
1:20:47 REITs
1:22:49 Selling Stocks at a Loss
1:25:44 Asset Allocation Drift
1:29:39 Getting Help
=============================
#90daysfromretirement #retirementplanning #financialfreedom
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.
1 hr 34 min
January 13, 2025 When Should You Take Social Security to Get The Most Out of Your Benefits with Zacc Call
If you want to know when you should take Social Security watch this video!
Be sure to go to Zacc's free Financial Education Platform here:
https://www.thefinancialcall.com/guided-path
Need help? Email me!
[email protected]
Visit our website: https://www.TheRetirementNerds.com
Join our newsletter:
https://theretirementnerds.com/newsletter/
=============================
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.
⏰ TIME CODES ⏰
0:00 Rules of Thumb Problem
0:14 Zacc Introduction
0:40 Beware Absolutes
3:40 What's on the Menu?
7:00 Important Terms & Acronyms
11:57 Spousal Benefits Rules
23:40 Divorced Spousal Benefit Rules
28:48 Deceased Spouse - Survivor Benefits
37:49 Survivor Benefits and Remarriage
41:50 Survivor Benefits & Ex Spouses
43:19 The Menu Recap
44:28 3 Separate Strategies Based on Time
45:53 Breakeven Analysis on Steroids
56:37 What if Social Security Disappears?
1:03:17 When Should YOU Take Social Security?
1:08:07 Still Working with SS Benefits
1:11:28 Taxing Social Security Income
1:20:22 Role of an Advisor
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#socialsecurity #90daysfromretirement #socialsecuritybenefits #socialsecurityretirement #retirement #retirementplanning #retirementinvesting #retirementadvice #retirementincome #finance #financialfreedom
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.
1 hr 23 min
January 12, 2025 The Truth about Timing the Stock Market with Dallin Cutler
If you want to know the realities of timing the Stock Market, watch this video!

This episode was originally released September 21st, 2023
Visit Dallin's YouTube channel for more useful videos:
https://www.youtube.com/@insightwdallincutler
Book of historical returns data Dallin referenced:
https://static1.squarespace.com/static/5a29de13e5dd5b5fb7021e6c/t/645e5f124644cd2b57964f39/1683906326686/matrix-book-2023_usd-us.pdf
Need help? Email me!
[email protected]
Visit our website: https://www.TheRetirementNerds.com
Join our newsletter:
https://theretirementnerds.com/newsletter/
=============================
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!
=============================
[email protected]
⏰ TIME CODES ⏰
0:00 Return Expectations Intro
0:28 Dallin Introduction
0:50 Dallin's Start in Finance
3:50 What is the Stock Market?
5:44 Different Exchanges
8:38 Why the Stock Market vs Other Investments?
14:45 Why is the Stock Market Volatile?
20:19 Market Expectations & Historical Data
26:00 Magic Algorithms to Time the Market
35:50 Responding to Pitches
42:24 Reality of Diversification
47:57 Style Drifting
50:29 P/E Ratios
52:52 BEWARE of the News
57:50 Power of Compounding
1:04:50 Saving vs Living
1:06:50 What Rich People Know
1:12:49 Why Use an Advisor?
1:19:05 How to Connect with Dallin
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#stocks #stockmarket #investing #retirement #retirementplanning #retirementinvesting #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:
- EP Wealth Advisors ("EPWA") makes no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information presented in this report. The information presented was obtained from sources deemed to be reliable. However, EPWA cannot guarantee the accuracy or completeness of the information offered. All expressions of opinion are of the presenter and are subject to change without notice.
- Past performance is not indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment or strategy, or product made reference to directly or indirectly, will be profitable or equal to past performance levels. Future financial conditions and events can never be accurately predicted.
- Information presented is general in nature and should not be viewed as a comprehensive analysis of the topics discussed. Content does not involve the rendering of personalized investment advice nor is it intended to supplement professional individualized advice. Always consult a professional Financial Advisor before implementing or applying any of the approaches or strategies made referenced to directly or indirectly here.
- Any direct or indirect references to investment allocation, specific securities, security sectors, or any investment vehicle(s) should not be taken as a recommendation or solicitation to buy or sell a particular security or invest in any specific investment strategy. There is no guarantee that any of the information or investment strategies discussed will be suitable or profitable.
- Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There can be no assurances that a portfolio will match or exceed any particular benchmark.
- Hiring a qualified advisor and/or diversifying your portfolio do not guarantee investment success, and does not ensure that a client or prospective client will experience a higher level of performance or results. No guaranty or warranty is made that any results, projections, or other information being represented in this presentation will be met or sustained.
- All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions, may materially alter the performance of your portfolio. There is also no assurance that a portfolio will match or outperform any particular benchmark.
- EP Wealth Advisors, LLC is a registered investment adviser with the U.S. Securities and Exchange Commission ("SEC"). Registration with the SEC does not constitute an endorsement by the SEC, nor does it imply that EP Wealth Advisors Inc. has attained a certain level of skill or ability.
1 hr 23 min
January 10, 2025 Exposing the TRUTH Behind the Math of Roth vs Traditional Accounts with Zacc Call
If you want to know whether you should be using a Roth or Traditional Account watch this video!

This episode was originally released August 27th, 2023.
Be sure to go to Zacc's free Financial Education Platform here:
https://www.thefinancialcall.com/guided-path
Need help? Email me!
[email protected]
Visit our website: https://www.TheRetirementNerds.com
Join our newsletter:
https://theretirementnerds.com/newsletter/
=============================
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!
=============================
[email protected]
⏰ TIME CODES ⏰
0:00 Bad Math Intro
0:45 New Financial Series
1:26 Be Aware, Not Afraid
3:53 Why an IRA?
6:29 3 Major Utensils
7:33 Roth vs Traditional Tax Status
11:30 Bad Math
13:23 Better Math
18:14 When to Choose Roth vs Traditional
25:30 Degrees of Freedom
30:45 4 Reasons Recap
31:41 Using Both Roth & Traditional
32:22 Contribution Rules
39:32 Spousal IRA
41:50 Marginal Tax Bracket Management
47:13 Why an Advisor vs Index Fund
52:23 Fear Tactics to Watch Out For
57:43 Talk vs Act
1:00:53 The Financial Call
=============================
#rothira #90daysfromretirement #rothvstraditional #retirement #retirementplanning #retirementinvesting #retirementadvice #retirementincome #finance #financialfreedom
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.
1 hr 2 min

About The Retirement Nerds

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Retirement gets complicated. Medicare, Social Security, Investments, and your Estate Plan are the core of your retirement decisions, but each of those gets remarkably complex. They are mazes with…