Shows / Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Planning Retirement Smarter. Living Retirement Better. With Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP® of True Wealth Design. #Retire #Stocks #Investing #401k #IRA #CFP #TrueWealthDesign. Contact at https://www.truewealthdesign.com/ or by calling 855-893-7526.
Episodes
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
2026 Year-End Tax Planning: 5 Things Retirees Need to Check Before December 31
The end of the year is approaching, and for retirees, some of the most valuable tax-planning opportunities disappear on December 31. In this episode, Tyler…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Mortgages in Retirement: How to Buy, Borrow, and Pay Off Your Home
Can you qualify for a mortgage after retirement? Should you pay cash for your next home, borrow against your investments, or take out a traditional mortgage?…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Don't Automatically Renew Your Medicare Insurance: 5 Things Retirees Need to Check for 2027
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Medicare open enrollment is here, but automatically…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
AI Scams Are Targeting Retirees. Here's How to Protect Your Money.
Financial scams targeting retirees are becoming increasingly sophisticated, and artificial intelligence is making it harder to know whether the person calling…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Planning a Significant Charitable Donation? Here's Where the Money Should Come From"
If you're already planning to give money to charity, does it matter which account the money comes from? Absolutely. Retirees may have several ways to fund…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Your Retirement Plan Works for Two. Does It Still Work for One?
Does your retirement plan still work if one spouse dies? It's an uncomfortable question, but an important one for every married couple approaching or living in…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Your First Year of Retirement: What You Need to Get Right
You've spent decades preparing for retirement. But what happens once you're actually retired? The first year of retirement is a major transition. Your paycheck…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Retiring in 2027? Don't Pick Your Retirement Date Until You Check These 7 Things
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Thinking about retiring in 2027? Before you pick your…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Think You're Maxing Out Your 401(k)? The 2026 Rules Just Got More Complicated
Think you're on track to max out your 401(k) this year? The answer may be more complicated than you think. New rules took effect in 2026, requiring certain…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
You Just Inherited Money. Now What?
You just received an inheritance. Now what? Before you sell investments, take distributions, pay off debt, or make a major purchase, it's important to…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Do You Need a Trust? Estate Planning 101 for Retirees
Do you need a trust, or is a will enough? And even if your estate documents are complete, are your accounts and beneficiary designations actually set up to…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The Most Important Investment Decision Isn't What You Think
Most investors spend their time deciding what investments to own. Far fewer spend time thinking about where those investments should be held. In this episode…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Why Are Retirees So Afraid to Spend Their Money?
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Many retirees spend decades building wealth, only to…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How Do You Compare? New Retirement Savings Data Is Out
How much should you have saved for retirement? It's one of the most common questions people ask, and new retirement savings data from Fidelity gives us a…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Can You Retire Before 59½? Here's What You Need to Know
Many people assume they have to wait until age 59½ before they can retire because that's when retirement accounts generally become available without the 10%…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How Much Money Is Enough To Retire?
How much money is enough to retire? It may be the most common retirement planning question, but it isn't always the right one. In this episode, Tyler Emrick…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Going Back to Work in Retirement? Here's What to Know First
More retirees than ever are choosing to work in retirement, whether for additional income, consulting opportunities, or simply because they enjoy staying…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The Most Valuable Tax Planning Window in Retirement
Many retirees have a unique period between retirement and the start of Social Security and Required Minimum Distributions (RMDs) when their taxable income may…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The New Social Security Report Is Out: What Retirees Actually Need To Know
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth The 2026 Social Security Trustees Report is out, and…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Donor-Advised Funds Explained: The Most Underused Tax Strategy for Charitable Retirees
Donor-advised funds have become one of the most popular charitable giving tools in the country, with more than $326 billion now held in donor-advised fund…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How to Rebalance a Highly Appreciated Portfolio Without Selling: The 351 Exchange Strategy
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Many investors have highly appreciated stocks and…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
So You’ve Decided To Do A Roth Conversion… Now What?
So you’ve decided to do a Roth conversion… now what? Most Roth conversion conversations focus on whether you should do one. But the long-term value often comes…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The Biggest Investment Mistakes Aren’t What You Think
Investment management is often framed around picking stocks, predicting markets, and finding outperforming investments. But many of the decisions that have the…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Is Your Retirement Advice Already Too Late? Why Proactive Planning Matters
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth This episode walks through what proactive financial…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Is Your Financial Plan Doing Its Job? (3 Things to Check)
Most financial plans get built once, put in a drawer, and rarely used again. But real financial planning should actively help guide decisions throughout…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Why Most Financial Plans Fail (And How To Build A Better One)
Most people think a financial plan is a set of projections… a retirement number… or a long report that tells you whether you’re going to be okay. In reality…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
What a First Meeting with a Financial Advisor Should Look Like
Most people walk into their first meeting with a financial advisor expecting a presentation—charts, investments, maybe even a pitch. But a real discovery…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
5 Worst Money Moves to Avoid Before Retirement
As you get closer to retirement, it’s usually not one big mistake that throws things off — it’s a handful of smaller decisions that can quietly add up over…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Your Tax Return Is a Blueprint — Here's How to Use It for Better Planning
Most people get their tax return back, sign it, and move on. But your 2025 tax return is more than a summary of last year — it’s a roadmap for smarter tax…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Backdoor Roth IRA Explained: How High Earners Avoid Income Limits
Backdoor Roth IRA explained (2026): how high-income earners can legally contribute to a Roth IRA, step-by-step, and avoid the pro-rata rule tax trap. If your…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Trump Accounts Explained: $1,000 Free for Your Kids.... But Is There a Catch?
Trump Accounts explained (2026): how they work, who qualifies for the $1,000 government contribution, and whether they’re actually worth using compared to a…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Inherited IRA 10-Year Rule: Don’t Make This Costly Mistake
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth If you’ve inherited an IRA, the rules have changed —…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Social Security Strategies for Couples: Timing Decisions Worth $100,000+
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Social Security is often treated as a simple decision…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How to Diversify Concentrated Stock Without a Big Tax Bill
A strong market can create a new problem. A single stock or ETF grows to represent a large portion of your net worth. Now you face a difficult tradeoff…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The Retirement Spending Myth: Why the 80% Rule Gets It Wrong
Most retirement plans assume your spending will stay flat, or that you will need about 80 percent of your pre-retirement income. But retirement does not…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Why Most People Are Wasting Their HSA (And How to Fix It)
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Health Savings Accounts (HSAs) may be the most…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The RMD Tax Trap: Required Minimum Distribution Strategies That Lower Lifetime Taxes
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Required Minimum Distributions (RMDs) are not just…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Tax Filing Season 2026: Last-Minute Planning Moves for Individuals and Business Owners
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Tax filing season is here — and even though most tax…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Retirement Cash Reserves in 2026: How Much Is Enough?
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth How much cash should you really hold in retirement?…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The 2026 Gift Tax Rules Explained: How to Gift Cash, Stock, and Family Loans Correctly
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Many parents and grandparents want to help family…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How Much Can You Spend in Retirement? A Smarter Take on the 4% Rule
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth For decades, the 4% rule has been used as a simple…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Tax-Efficient Investing 2026: How to Cut Your Tax Bill by Thousands This Year
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Most investors focus on returns. Smart investors…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Retirement Planning 2026: The January Decisions That Shape Your Future
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth In this episode of Retire Smarter, Tyler Emrick…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How TALS Help You Reduce Taxes and Stay Invested (The Full Series)
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Over the past month, we released a six-part video…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How You Should Be Using Roth Accounts: Before and After Retirement
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Roth IRAs and Roth 401(k)s are powerful tools — but…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How Long Will Your Money Last? The Real Math Behind Retirement Success
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Most retirees worry about whether their money will…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
How to Get A $25,262 Healthcare Tax Credit Even If You Are Affluent
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth For many retirees, healthcare costs before Medicare…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Gift Smarter: Tax-Wise Giving to Family and Charity
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth In this episode of Retire Smarter, Tyler Emrick…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Structure Matters for Tax Efficiency: From Mutual Funds, ETFs, SMAs to Tax-Aware Long-Short
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Most don't realize how important structure and…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Year-End Tax Planning & Tax-Smart Retirement Withdrawal Strategies
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth It will soon be that time of year again … the fourth…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
$1M Saved for Retirement – Can I Retire?
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth In today’s episode, we’re tackling the big question…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Lessons from the Ultra-Wealthy: Smarter Planning for Real Life
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth What do ultra-wealthy families prioritize when it…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Deferred Compensation in 2025: What’s Changed, What to Watch For & New Planning Opportunities
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Deferred compensation plans can be a powerful…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
The Big Beautiful Bill Act Could Change Your Retirement Plan — Here’s How
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Congress passed the One Big Beautiful Bill Act — the…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Over 800 Pages of Taxes: Don’t Worry, We Read It So You Don’t Have To
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth The One Big Beautiful Bill Act is over 800 pages long…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Cybersecurity and Your Retirement: Protecting What You’ve Built
Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Retirees are increasingly targeted by cybercriminals…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Costly Retirement Mistakes To Avoid Before It’s Too Late
Some retirement mistakes are obvious. Others are silent — slowly eroding your plan year after year without setting off alarms. From investing the same old way…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Warren Buffett’s Final Chapter: Purposeful Wealth and Practical Planning
Warren Buffett announced his retirement as CEO of Berkshire Hathaway at the company’s 2025 annual meeting — marking the end of one of the most legendary…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
One Year from Retirement: A Critical Window for Planning and Perspective
When you're 12 months away from retirement, everything starts to feel real. From hard deadlines like pension elections and Medicare sign-ups to emotional…
- Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
Should You Roth? Making the Right Call at the Right Time
Not all Roth dollars are created equal—especially during times of market volatility. In this episode, Tyler Emrick, CFA®, CFP®, unpacks when Roth…