Shows / Retirement Answers
Retirement Answers
Retirement Answers is a podcast built to help you succeed in retirement. The thought of retirement can be overwhelming and downright scary for many... but it doesn't have to be! The goal of this podcast is to provide thoughtful insights and strategies to give you the confidence you need to retire successfully. At the end of the day, my ultimate goal for my clients and podcast listeners is to live a fulfilling retirement. Follow along as I publish a new episode each week covering everything from…
Episodes
- Retirement Answers
Planning for Travel Expenses in Retirement? Ask Yourself These Questions
Trying to figure out how to plan for travel expenses in retirement? That's the question that I address on this week's Friday Q&A. I share a few things to…
- Retirement Answers
This is the BEST Way To Do Roth Conversions
What if you could do a Roth conversion completely tax-free? Would you even believe me if I said this was possible? In this episode, I share how you can use a…
- Retirement Answers
How To Plan For Long-Term Care in Retirement
Long-term care planning is difficult to figure out. There is no "right" way to do it because some prefer to self insure while others prefer to purchase…
- Retirement Answers
Stock Market Crash? Take Advantage of These 3 Opportunities
The stock market might be taking a hit, but that doesn't mean there aren't opportunities out there. In fact, it's times like these the top 1% make the smartest…
- Retirement Answers
How To Invest AFTER You Retire
You've been investing throughout your entire career and trying to grow your portfolio so you are ready for retirement. But what happens to your investments…
- Retirement Answers
DO THIS To Spend Confidently in Retirement
The fear and unknowns of retirement make it hard for most retirees to spend confidently. In fact, I think spending with confidence in retirement might be the…
- Retirement Answers
Sequence of Returns Risk: Should You Retire During a Recession?
What happens if the market goes down dramatically right when I retire? That's a big question on most retirees & pre-retirees minds, so in this episode, I walk…
- Retirement Answers
Roth IRA 5-Year Rules & A Little Known Fact You Should Know About
In this episode, I share the two Roth IRA 5-year rules that you should know about. Additionally, I provide a HUGE tip that will help you out when doing Roth…
- Retirement Answers
6 Financial Goals to Reach By Age 60
If you can have these 6 things figured out by the time you are 60, your retirement will be that much more successful and enjoyable. 👉 Book a call with me…
- Retirement Answers
How To Avoid The RMD Tax Trap
If you aren't paying attention, a huge tax bomb could arise later in retirement. This tax bomb comes in the form of RMDs... But finding ways to minimize your…
- Retirement Answers
Every Retirement Plan Has This MAJOR Problem
As you approach retirement, you likely want to have everything planned out perfectly... When you are going to start taking Social Security? When to do Roth…
- Retirement Answers
5 Hidden Costs That Catch Retirees Off Guard
Do you ever wonder what you might be missing as you plan for retirement? There's so much to think about and plan for that certain things can easily slip…
- Retirement Answers
The Complete Guide to Backdoor Roth IRA Contributions (And Common Mistakes to Avoid)
The Backdoor Roth might be the greatest tax loophole for high income individuals… But 99% of people have no idea how to do it correctly. So, in this episode…
- Retirement Answers
6 Common Tax Mistakes Most Retirees Make (And How to Avoid Them)
Taxes could very easily be your largest expense in retirement. So, having a strategic tax plan might prove to be the most important thing you can do. In this…
- Retirement Answers
Create Up To $126k of TAX-FREE Income in 2025 Using Tax-Gain Harvesting
Wait... You're telling me I can sell $126k of gains in my brokerage account and pay no tax on those gains? Yes! (And the best part is... it's legal) Join me as…
- Retirement Answers
Every Good Retirement Plan Includes These 6 Things
How do you know if your retirement plan is good or not? And what are the different things you need to include in your plan? That's what I discuss in this…
- Retirement Answers
If You Want to Retire in 2025, Do These 5 Things First
As you prepare for you upcoming retirement, there a few thing you can do to give you the best chance at the retirement of your dreams. In this episode, I share…
- Retirement Answers
8 Common Mistakes That Could Ruin Your Retirement
There are plenty of mistakes that can be made when planning for retirement, so I want to warn you about 8 common mistakes that I see. We will talk about the…
- Retirement Answers
The TRUTH About Social Security Taxation: How It Actually Works
👉 Book a call with me 👉 https://www.rivertreewealth.com/get-started __________________________________ ✅ If you want the Important Numbers 2025 PDF, send me an…
- Retirement Answers
Pension vs Lump Sum - Friday Q&A
In this episode of the Friday Q&A, Jacob discusses a listener's dilemma of choosing between taking a lump sum or opting for a monthly pension in retirement…
- Retirement Answers
4 Reasons to Retire ASAP
Still trying to figure out when you are going to retire? Do you have a specific age in mind? It can be hard to decide and then actually go through with it…
- Retirement Answers
Friday Q&A: Why Am I So Anxious About Retirement?
In this Friday Q&A, we tackle a common question from a soon-to-be retiree who is anxious about taking the leap into retirement despite strong financial…
- Retirement Answers
5 Strategies To Lower Your Required Minimum Distributions (RMDs)
When you turn 73 or 75, you will be required to begin taking money from your tax-deferred IRAs, 401ks, 403bs, etc. This is through what is called Required…
- Retirement Answers
Friday Q&A: Should We Pay Off Our House?
In the first episode of the Friday Q&A series,I address a viewer's question about whether to pay off their house before retirement. The husband is close to…
- Retirement Answers
Should I Pay Off My Mortgage Before Retirement?
One of the biggest factors in your ability to retire is whether or not you have debt. If you have no debt, retirement becomes that much easier. BUT does that…
- Retirement Answers
Is NOW A Good Time To Buy Stocks?
"The market is at all-time highs! We are due for a recession! I'm going to wait for the next pullback..." These the statements we all tell ourselves, but we…
- Retirement Answers
Ask This Question BEFORE You Retire
Most people only think about the money side of retirement. Do I have enough? When should I start Social Security? Which account should I pull money from first?…
- Retirement Answers
Here's When You Should Do Roth Conversions
Trying to figure out when you should do Roth conversions? In this episode, I share the optimal times to do Roth conversions so that you get the most out of…
- Retirement Answers
How Much Cash Should I Hold in Retirement?
How aggressive or conservative you should invest your money in retirement is a constant question in retirees' minds. How much risk should I take? Should I just…
- Retirement Answers
Stop Avoiding IRMAA!
IRMAA stands for Income Related Monthly Adjustment Amount. In short, it is a surcharge that can be added to your Medicare Part B & D premiums IF you earn to…
- Retirement Answers
6 Reasons to Spend Your Roth IRA in Retirement
Having a Roth IRA in retirement can be very powerful. It allows you to make tax-free distributions for retirement income and gives you flexibility around your…
- Retirement Answers
Navigating Market Volatility in Retirement
It's not secret that sudden market declines can cause fear and anxiety in investors' minds. Recently, we've seen some volatility enter the markets and you…
- Retirement Answers
Watch Out for These 5 Investing Mistakes!
Book a free consultation to get started today 👉 https://www.rivertreewealth.com/get-started I've seen a common theme in almost every portfolio review I have…
- Retirement Answers
Tax-Savvy Retirement: Asset Location Explained
Book a free consultation to get started today 👉 https://www.rivertreewealth.com/get-started Tax planning is a huge part of building a successful retirement…
- Retirement Answers
5 Ways to Reduce Your RMDs (& SAVE BIG)
Book a free consultation to get started today 👉 https://www.rivertreewealth.com/get-started Required Minimum Distributions (RMD) aren't the worst thing in the…
- Retirement Answers
Where Should I Pull Funds From First in Retirement?
Book a free consultation to get started today 👉 https://www.rivertreewealth.com/get-started Not sure where to pull income from first in retirement? It can be a…
- Retirement Answers
7 Reasons NOT To Do Roth Conversions
Today, I'm sharing 7 reasons you shouldn't do Roth conversions... I hear about far too many people who are trying to do Roth conversions, but they shouldn't be…
- Retirement Answers
How Much Money Do You ACTUALLY Need To Retire?
Need a custom retirement plan? 👉 Get started today: https://www.rivertreewealth.com/get-started Wondering if you have enough money saved up to retire…
- Retirement Answers
Will My Social Security Be Taxed?
One of the biggest questions around Social Security is, "Will I pay income taxes on my Social Security benefits?" I answer this very question, walk through an…
- Retirement Answers
Is Social Security Going to Run Out?!
In recent years, there has been a growing concern around Social Security going insolvent. There are some truths to these concerns, but there are also many…
- Retirement Answers
3 Estate Planning Must-Haves
Estate planning is often a forgotten part of a financial plan, but there are a few steps you can take to start building your estate plan. It doesn't have to…
- Retirement Answers
Inherited IRA Rules EXPLAINED (10-Year Rule)
So you inherited an IRA... But now what? Do you have to take all of the money out immediately? Over your lifetime? Within 10 years? The SECURE Act was…
- Retirement Answers
Retirement Planning Do's & Don'ts
There are lots of opinions and ideas around how to properly plan for and live out a successful retirement. Today, I'mis sharing 8 do's & don'ts of retirement…
- Retirement Answers
How Do Presidents Impact the Stock Market?
It's an election year! We will be choosing the next President of the United States later this Fall and times like this often raise a lot of questions in…
- Retirement Answers
Avoid These 8 Retirement Mistakes
As a retirement planner, I get to see the good and the bad of every retirement plan. All the good decisions and the mistakes that come up. In an effort to help…
- Retirement Answers
BIG NEWS & My Retirement Planning System
I have some big news to share with you... I have launched my own wealth management firm, Rivertree Wealth! I'm excited to continue serving my clients and begin…
- Retirement Answers
How Do Financial Advisors Get Paid?
Alright... Let's talk about financial advisor fees. Understanding how a financial advisor gets paid can be hard because there are numerous ways an advisor can…
- Retirement Answers
5 Benefits of a Roth IRA in Retirement
Roth IRAs are powerful retirement accounts. You get to pay your tax now, let your investments grow tax-sheltered, and take from the account in retirement…
- Retirement Answers
How to Plan for Retirement Gap Years
Maybe you have heard of retirement "gap years" or maybe it's a new concept to you, but how to plan for your retirement gap years is a common question for…
- Retirement Answers
How Much Income Will I Need in Retirement?
Trying to figure out how much income you will need in retirement can be challenging to figure out... There are rules of thumb such as 80% of your current…
- Retirement Answers
The Secret Ingredient to a Successful Retirement
Discover the missing ingredient to a successful retirement in this episode of Retirement Answers with Jacob Duke. Learn why this ingredient is crucial to your…
- Retirement Answers
Should I Take Social Security & Invest It?
In this episode of Retirement Answers, Jacob answers the common question, "should I take social security early and invest it?" Jacob talks through the…
- Retirement Answers
Should I Prioritize Roth Conversions or Health Insurance Subsidies?
In this episode, Jacob discusses the decision many retirees have to make: prioritizing health insurance subsidies or Roth conversions? He highlights…
- Retirement Answers
When is the Best Time to Retire?
"When should I retire?" can be one of the hardest questions to answer. There isn't a perfect answer nor a one-size-fits-all. There are plenty of rules of thumb…
- Retirement Answers
5 Common Retirement Regrets (& How To Avoid Them)
Have you ever heard someone say they weren't enjoying their retirement? Or maybe they were bored or felt lost? Unfortunately, I hear retirees say this more…
- Retirement Answers
Social Security Survivor Benefits: A Complete Guide
Social Security can get confusing very quickly. You have FRAs & PIAs, and Spousal benefits, Survivor benefits, Disability, and your own benefits. And the crazy…
- Retirement Answers
Last 5, First 5: The Most Important Years
I've had this concept in my mind lately and wanted to share it with you. It's not groundbreaking or innovative. It's a simple concept that I have labeled "Last…
- Retirement Answers
3 Investment Principles to Live By
Investing can be hard, but it doesn't have to be... What if I said simple is better, and you don't need a crazy strategy to be a successful investor? We all…
- Retirement Answers
The Power of a One-Page Plan
Does retirement scare you or give you anxiety? Do you feel like there is too much to know? Well, you're not alone. Almost everyone I talk to who is trying to…
- Retirement Answers
Important Numbers to Know in 2024
2024 is right around the corner and there are important changes that you need to know about! In this episode, we are covering: IRA contribution limit increases…