Your 40s often bring competing priorities—career changes, family responsibilities, and long-term planning. In this video, we highlight seven common financial missteps people may encounter in their 40s and general considerations to help you think through your next steps. Topics include updating your financial plan, retirement contributions, balancing savings and investments, evaluating lifestyle spending, tax planning opportunities, core estate documents, and prioritizing long-term goals.

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 1/2 may result in a 10% IRS penalty tax in addition to current income tax.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 1/2 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

This week we answer two listener questions:

- Alison asks what she should do with her extra cash flow now that her credit card and auto loans are paid off. 

- Dan asks if he and his wife should take a lump-sum pension buyout offer or stick to monthly benefits. 

Join Chris as he explores the pros and cons of Alison & Dan's decisions. 

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. Those options include Leave the money in their former employer’s plan, if permitted; Roll over the assets to their new employer’s plan, if one is available and rollovers are permitted; Roll over to an IRA; or Cash out the account value.

Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

This week Chris answers a question from a listener who is nearing retirement and wants to simplify their finances - including three 401ks from previous employers. Chris breaks down the different options you have for your 401ks and the pros & cons of each

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. Those options include Leave the money in their former employer’s plan, if permitted; Roll over the assets to their new employer’s plan, if one is available and rollovers are permitted; Roll over to an IRA; or Cash out the account value.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

In this episode, we dive into a question from Janet: you’re 35 and have about $20,000 saved for retirement — how do you jump-start momentum so you can confidently build toward retirement? Many people in their 30s feel like they’re behind just because of the headlines, social scrolls or “rules of thumb.” But here’s the truth: you’re not behind — you’re just starting from here.

No need for perfection. The goal is consistent progress, clarity about where you’re headed, and taking action today. 

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. 

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. 

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 

This recording contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your financial professional. This recording is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional.

Retirement isn’t just about reaching the finish line. It is about making sure you can afford to enjoy the years ahead. In this episode of You’re Not Dead Yet, Chris talks through a practical way to plan for expenses by separating them into three groups: Needs, Wants, and Wishes. This framework can help you prioritize essential costs, stay flexible as life changes, and better prepare for expenses that often catch retirees off guard.

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. 

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. 

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 

This recording contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your financial professional. This recording is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional.

Mark and his wife are planning to retire this year, but like many new retirees, they’re worried about inflation eating away at their savings. In this episode, Chris discusses how rising prices can quietly erode purchasing power and what you can do to manage the effects on your income stream in retirement. From smarter withdrawal strategies to inflation-aware investing and flexible budgeting, this conversation is all about building a retirement plan that can weather the storm.

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. 

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. 

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.

Gina and her husband both have solid jobs and steady income; but they can’t shake the feeling that they’re falling behind while their friends seem to be racing ahead. Sound familiar? You’re not alone.

In this episode of You’re Not Dead Yet, Chris breaks down five key areas that can help you take control of your finances and start seeing real progress. From tracking where your money actually goes, to building a savings cushion, tackling debt, and investing for the long haul he’ll show you how to shift from comparison to confidence.

If you’ve ever wondered why “decent money” doesn’t seem to go as far as it should, this one’s for you. Step by step, this episode will help you move from feeling stuck to finally getting ahead.

🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life.

Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. 

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. 

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. 

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply.

Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.

This week on YNDY, Chris speaks with founder of Elegant Empowerment, Jazmin Valeri, about elegance, confidence, and wealth. Jazmin shares simple tips to help elevate your life and discusses her new book "The Elegant Woman's Guide to Confidence, Wealth & Luxury Living". 

Get Jazmin's Book: https://www.elegantempowerment.net/experiences/p/the-elegant-womans-guide-to-confidence-wealth-luxury-living 

Follow Jazmin: https://www.elegantempowerment.net/ 

Get started on your journey to financial freedom. Visit www.premieriwm.com to get started today.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. 

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. 

Jazmin and Elegant Empowerment are not affiliated with or endorsed by Premier Investments & Wealth Management or LPL Financial.

 #FinancialPlanning #RetirementPlanning #Investing #InvestingStrategies

Your 401(k) has been building for years, maybe even decades. But now, with retirement on the horizon, should you be making strategic changes—or just leaving it on autopilot? In this episode of You’re Not Dead Yet, Chris dives into the key questions every pre-retiree should ask about their 401(k). Get started on your journey to financial freedom. Visit www.premieriwm.com to get started today. Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against loss. #FinancialPlanning #RetirementPlanning #Investing #InvestingStrategies

Mark from Plano asks: “My company just added a Roth 401(k) option, and now I’m wondering if I should start switching some of my contributions—even though I only have maybe 10 years until retirement. Is it too late to take advantage of that, or could it still help with taxes down the road?” In this episode of You're Not Dead Yet, we tackle a question many pre-retirees face: ✅ Can a Roth 401(k) still benefit you if you're a decade or less from retirement? ✅ How tax diversification gives you more control over your future income ✅ What the 5-year rule means for your strategy ✅ Why Roth 401(k)s are especially attractive for high earners ✅ When a mix of pre-tax and Roth contributions makes the most sense We’ll walk through how to evaluate your current tax situation, what your future might look like—and how to decide if a shift to Roth could pay off. Get started on your journey to financial freedom. Visit www.premieriwm.com to get started today. Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Asset allocation does not ensure a profit or protect against a loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a required minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. Premier Investments & Wealth Management and LPL Financial do not provide specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.