The Wise Money Show™

If you've spent years building your 401(k), you could be heading toward a retirement tax problem you never saw coming. In this episode of Wise Money, we explore whether it makes sense to keep funding a Roth 401(k), switch to pre-tax contributions, or use Roth conversions to reduce future taxes. You'll also learn how tax diversification, IRMAA, required minimum distributions (RMDs), and long-term tax planning can impact your retirement income. 

Season 11, Episode 49

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Watch this episode on YouTube: https://youtu.be/bI72d5qf8Gc 

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

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Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. This video may discuss estate planning concepts but does not constitute legal advice. Please consult an attorney for advice specific to your situation.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

Tax planning is about much more than filing your tax return each year. In this episode of the Wise Money Show, we break down the four levels of tax planning and explain how proactive tax planning strategies can help individuals, business owners, and entrepreneurs reduce lifetime taxes and build more wealth. Learn the difference between tax preparation and tax planning, discover legal tax-saving opportunities, and avoid common mistakes that can lead to costly tax surprises. We're joined in the studio by special guest and tax planning expert Patrick Lonergan.

Season 11, Episode 48

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Learn more about Patrick Lonergan and Vital Wealth: https://www.vitalwealth.com/

Listen to Patrick's podcast: https://www.vitalwealth.com/podcasts/ 

Watch this episode on YouTube:

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

If you're planning to retire at 65, the data suggest there's a good chance life may have other plans. In this episode of The Wise Money Show, we explain why so many people retire earlier than expected and how to build a retirement plan that can adapt to unexpected changes. Learn the Five-Factor Retirement Plan, how to stress test your retirement readiness, and the steps you can take now to prepare for whatever the future holds. 

Season 11, Episode 47

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Watch this episode on YouTube: https://youtu.be/l60cLJk_d9w 

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

Financial independence isn't just about retirement. It's about creating the freedom to make financial decisions with confidence and without being held back by debt or financial stress. In this episode of the Wise Money Show, we share practical habits, proven strategies, and simple first steps that can help you build more financial independence, no matter where you're starting. Learn how to improve your cash flow, eliminate debt, save more effectively, and create a financial plan that gives you more choices today and in the future.

Season 11, Episode 46

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Watch this episode on YouTube: https://youtu.be/61r7NA9kz5k 

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

The stock market has exceeded expectations in 2026, but rising recession warnings have many investors wondering what comes next. In this episode of the Wise Money Show, the team breaks down the biggest forces shaping today's stock market outlook, including AI, market concentration, inflation, interest rates, and consumer spending. We also explain why diversification still matters, how to prepare your portfolio for increased volatility, and what long-term investors should focus on instead of short-term headlines. 

Season 11, Episode 45

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Watch this episode on YouTube: https://youtu.be/C8PbvL8pQFY 

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

Could a little-known tax strategy save you thousands in retirement? In this episode of the Wise Money Show, we break down Net Unrealized Appreciation (NUA)—an advanced 401(k) strategy that can help reduce taxes on highly appreciated company stock. Learn how NUA works, who may benefit from it, the potential pitfalls to avoid, and why careful planning before retirement is essential. If you have company stock in your 401(k) or are approaching retirement, this is an episode you won't want to miss.

Season 11, Episode 44

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Watch this episode on YouTube: https://youtu.be/ypDkTyaIUG0 

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

Are you on track for a successful retirement? While most people focus on how much they've saved, retirement success depends on much more than your account balance. In this episode of the Wise Money Show, the team breaks down the five key factors that determine retirement readiness. Learn how financial advisors evaluate retirement success and discover the critical ingredients that can help you retire with confidence.

Season 11, Episode 43

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Watch this episode on YouTube: https://youtu.be/3I7VGWmfrAY 

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

Over the next two decades, trillions of dollars are expected to pass from one generation to the next, but how much of that wealth will actually make it to your heirs? In this episode of The Wise Money Show, we break down the biggest threats to a successful wealth transfer, including taxes, long-term care costs, blended family dynamics, and gifting strategies. Learn how thoughtful estate planning, tax diversification, and multi-generational financial planning can help protect your legacy.

Season 11, Episode 42

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Watch this episode on YouTube:

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

The inherited IRA 10-year rule has changed the way many families pass wealth from one generation to the next, creating new tax planning challenges and opportunities. In this episode of the Wise Money Show, we explore a creative beneficiary strategy that could give heirs more flexibility when managing inherited retirement accounts. We also discuss the pros and cons of naming children instead of a spouse as IRA beneficiaries, along with key considerations for Roth conversions, retirement tax planning, and multi-generational wealth strategies. 

Season 11, Episode 41

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Watch this episode on YouTube: https://youtu.be/5WGyHXdUyEk 

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

Are you part of the sandwich generation? In this episode of the Wise Money Show, we discuss how to navigate the financial pressure of supporting both aging parents and adult children at the same time. From retirement planning and long-term care concerns to helping kids through college and early adulthood, we break down the financial tradeoffs and planning strategies that can help you move forward with clarity and confidence.

Season 11, Episode 40

Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/ 

Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.

Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow

Listen on podcast: https://pod.link/1040619718  

Watch this episode on YouTube: https://youtu.be/yJ9YP6r4yKY 

Submit a question for the show: https://www.korhorn.com/ask-a-question/  

Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/ 

Connect with us:

Facebook - https://www.facebook.com/WiseMoneyShow 

Instagram - https://www.instagram.com/wisemoneyshow/ 

Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.