America's Wealth Management Show

In this episode, Logan DeGraeve, CFP®, and Corey Hulstein, CPA, distinguish between reactive tax preparation and proactive forward-looking tax planning . We analyze the IRC §408 implications of the SECURE Act's 10-year rule, which requires non-spouse beneficiaries to liquidate inherited IRAs within a decade, often creating a significant tax burden for heirs in their peak earning years. The discussion covers the "Silo Effect"—the financial danger that occurs when a CPA, attorney, and advisor fail to coordinate—exemplified by families who draft complex trusts but fail to properly title and fund them, leading to unnecessary probate. _____________________ Educational Tool: Access the Retirement Plan Checklist to benchmark your current 401(k) and Social Security strategy against 2026 inflation. Topical Deep-Dive: Visit the Modern Wealth Education Center for informative content on withdrawal strategies and tax-efficient retirement planning. Fiduciary Consultation: To move from education to a personalized financial

Educational Tool: Access the Retirement Plan Checklist to benchmark your current 401(k) and Social Security strategy against 2026 inflation. Topical Deep-Dive: Visit the Modern Wealth Education Center for informative content on withdrawal strategies and tax-efficient retirement planning. Fiduciary Consultation: To move from education to a personalized financial plan, you can schedule a meeting with our CFP® and CPA team. The 2026 conflict in Iran and the closure of the Straits of Hormuz—a chokepoint for approximately 40% of the world's oil—have pushed energy prices above $100 per barrel, leading the Nasdaq and S&P 500 into correction territory. While the U.S. remains net energy independent, global pricing interconnectedness has triggered a 10% market pullback, requiring retirees to focus on portfolio rebalancing rather than emotional liquidations. This analysis features Dean Barber, Managing Director at Modern Wealth Management and David Mitchell, Managing Director at AllianceBernstein. We examine potenti

Educational Tool: Access the Retirement Plan Checklist to benchmark your current 401(k) and Social Security strategy against 2026 inflation. Topical Deep-Dive: Visit the Modern Wealth Education Center for peer-reviewed instructional content on withdrawal strategies and tax-efficient portfolio design. Fiduciary Consultation: To move from education to a personalized Financial Independence plan, you can Schedule a Meeting with our CFP® and CPA team. A sustainable retirement income strategy for 2026 involves calculating the "post-retirement cash flow" deficit—the difference between total desired spending and guaranteed income sources like Social Security or pensions . To bridge this gap, retirees should consider utilizing a "three-bucket" framework that organizes assets into safe (1–2 years), moderate (3–7 years), and growth (10+ years) categories to ensure immediate liquidity while protecting against sequence of return risk. This analysis, featuring Dean Barber and Neal Falkenberry, CFA, details the shift from t

Education center: https://bit.ly/4boCDv9 Retirement Plan Checklist: https://bit.ly/47JolTm Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/KN5tIHSo3sY?si=I8fyj_cp_uz8sw_o  Sources:   https://www.irs.gov/forms-pubs/about-schedule-c-form-1040  https://www.modwm.com/how-filing-for-a-tax-extension-works/   https://www.irs.gov/payments/failure-to-file-penalty  https://www.irs.gov/payments/underpayment-of-estimated-tax-by-individuals-penalty  https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits  https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds  #retirementplanning #taxplanning  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for ill

Education center: https://bit.ly/4sVDeu9 Retirement Plan Checklist: https://bit.ly/4rEy3O9 Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1 https://youtu.be/ze1sYnh_VR8?si=rss9H5ct9zwmE8Zo  https://youtu.be/KN5tIHSo3sY?si=N7w_n2iERZyl-FPy  https://youtu.be/sACQi2RIEvQ?si=rL90bf2mKSr4cA00  Sources: https://www.irs.gov/newsroom/check-your-eligibility-for-the-new-enhanced-deduction-for-seniors    https://v/learn/story/using-tax-brackets-to-manage-your-taxable-income  https://www.irs.gov/newsroom/questions-and-answers-on-the-net-investment-income-tax  https://bipartisanpolicy.org/issue-brief/how-the-new-charitable-deduction-floors-work/  https://www.irs.gov/newsroom/irs-marks-70th-anniversary-of-april-15-tax-filing-deadline  https://www.modwm.com/how-filing-for-a-tax-extension-works/    #retirementplanning #taxplanning  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser regist

Education Center: https://bit.ly/3N0r4kt Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/pHV0kG9xOdc?si=U-p06vNu8QyS1MO1  https://youtu.be/JVOnl_AKQoQ?si=LP8rD2UezYFbjHim  https://youtu.be/N8MiXAKTbmc?si=TQSl1xktZ7aHAvLT  https://youtu.be/bubZLJUdIlI?si=DEpuC8Hgv-ilMIJh  https://youtu.be/pFH4T8TA8WI?si=rYGAB7sPMYuWY9Sj  https://youtu.be/SJJGFC-0vkA?si=CYS5fLvCGzHNzhkn  https://youtu.be/KN5tIHSo3sY?si=F3l_olMQr9kREH6q  https://youtu.be/eEKbnn8svQ8?si=amJI8ppOjB-Jyjls  https://youtu.be/ze1sYnh_VR8?si=PN1z6EzJ1HLEU4a-  Sources: How much do I need to retire? https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire  Rightsizing vs. Downsizing: What Are the Differences? https://www.modwm.com/rightsizing-vs-downsizing/  How does medical inflation compare to inflation in the rest of the economy? https://www.healthsystemtracker.org/brief/how-does-medical-inflation-compare-to-inflation-in-the-rest-of-the-e

Education center: https://bit.ly/3ONy04K Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1    https://youtu.be/SJJGFC-0vkA?si=BYerfilxAOPKkmJc  Sources: https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-research/womens-initiative/cfp-board_win_web.pdf  https://www.cfp.net/-/media/files/cfp-board/knowledge/reports-and-rese arch/advancing-women-in-financial-planning-cfp-board-2025.pdf  https://www.cfp.net/industry-insights/reports-and-statistics/professional-demographics  #womeninfinance #financialplanning #jobopportunities  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any lia

Meet with us: https://bit.ly/4rpVwU1 Education center: https://bit.ly/4aDBfDb Retirement Plan Checklist: https://bit.ly/40jmYGQ Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1    https://youtu.be/RkUQah73S_Q?si=-TVrmVdsQyKDTeax  https://youtu.be/bubZLJUdIlI?si=iCwt6KFZ9IFLruMa  https://youtu.be/Ll3G37cCZMI?si=wwmst7BNE2UGSlyi  https://youtu.be/uUL3Q1VbkRc?si=qJSM4Cv2keUmcvwm  https://youtu.be/6UcLAmM6wtI?si=AmkJSYPLLMlqoPhL  Sources: https://www.modwm.com/gray-divorce-and-its-financial-impact/  https://pmc.ncbi.nlm.nih.gov/articles/PMC5279946/  https://newsroom.fidelity.com/pressreleases/love---money--most-couples-give-themselves-high-marks-in-communication--yet-fidelity-study-reveals-h/s/c15df94d-f289-4d2d-bb10-85424c803f8e  https://www.bgsu.edu/ncfmr/resources/data/family-profiles/allred-gray-divorce-rate-geo-var-2017-fp-19-20.html  https://www.modwm.com/retirement-plan-checklist/  #Investments #FinancialPlanning #WealthManagement 

Meet with us: https://bit.ly/4tjvl2m Ed center: https://bit.ly/4rxbQlt Retirement checklist: https://bit.ly/46vMaNM Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/3Yn_m-k9Rk0  https://youtu.be/lSy5ggQWmn8  https://youtu.be/2eU3mv_rmr0  https://youtu.be/hN42aRqv-1g  Sources: https://www.ada.gov/topics/intro-to-ada/  https://www.westernsouthern.com/life-insurance/what-is-a-critical-illness-rider  https://www.cancer.gov/publications/dictionaries/cancer-terms/def/medical-power-of-attorney  https://www.aarp.org/caregiving/basics/memory-care-alzheimers-dementia/  https://www.investopedia.com/terms/s/sequence-risk.asp  https://www.modwm.com/sequence-of-returns-risk-and-why-timing-matters/  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion

Education Center: https://bit.ly/4aQZv6x  Meet with Us: https://bit.ly/3LDIMtb  Retirement Checklist: https://bit.ly/3NadURD  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  5 Stealth Taxes To Watch Out For https://youtu.be/RCr6BLuG3qY  What Are The Tax Benefits of Charitable Donations? https://youtu.be/RmiJyyuhmj0  Roth Conversion Strategies Under the Big Beautiful Bill https://youtu.be/hQRWwtbY_dE    IRA RMD Requirements https://youtu.be/DF13FV4EhCU   The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8  Sources: https://www.modwm.com/catch-up-contributions-for-your-retirement-plan/  https://www.modwm.com/2026-401k-and-ira-contribution-limits/  https://www.ssa.gov/forms/ssa-44.pdf  https://www.modwm.com/donor-advised-funds/   https://www.modwm.com/2026-tax-brackets/  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registe

Education Center: https://bit.ly/3LccpSl  Meet with Us: https://bit.ly/49krWIZ  Retirement Checklist: https://bit.ly/4b1DoKR  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/5CHb7BAAI2Q?si=iCDymwGcVQAMlwI5  https://youtu.be/N8MiXAKTbmc?si=-e8KTbg4aTDHFPJ7  https://youtu.be/ZmYxM_xBmmw?si=DwdU_5ElW_VCiuRy  https://youtu.be/uUL3Q1VbkRc?si=VuzAFZ4m6iA8ip7V  https://youtu.be/ze1sYnh_VR8?si=HZ1KHcxeOfhLbTey  https://youtu.be/uUL3Q1VbkRc?si=FThlCk2GzO4QUzO8  https://youtu.be/bubZLJUdIlI?si=tTZBHWt9rNeBf_7V  https://youtu.be/C7_GdgN502Q?si=VEGqXcL3tbePwobW  Sources: https://youtu.be/5CHb7BAAI2Q  https://youtu.be/N8MiXAKTbmc  https://youtu.be/ZmYxM_xBmmw  https://youtu.be/uUL3Q1VbkRc  https://www.modwm.com/donor-advised-funds/  https://youtu.be/C7_GdgN502Q  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser

Education Center: https://bit.ly/4qdzVgk   Meet with Us: https://bit.ly/4s0Znrf   Retirement Checklist: https://bit.ly/3MIzooe   Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/PmfNAwK6B9s  https://youtu.be/oPanexiISYE   https://youtu.be/RCr6BLuG3qY Sources: https://www.modwm.com/2026-tax-brackets/.     https://www.modwm.com/new-tax-provisions-one-big-beautiful-bill-act/    https://www.modwm.com/2026-401k-and-ira-contribution-limits/    https://www.modwm.com/social-security-cola-increase-for-2026/    https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles    https://www.whitehouse.gov/articles/2025/12/landmark-dell-gift-supercharges-trump-accounts-for-americas-kids/  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Mod

Tax Tips in 10 Ep 50 Education Center: https://bit.ly/48Outta  Meet with Us: https://bit.ly/48S9F5D  Retirement Checklist: https://bit.ly/4j1cFzP  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   https://youtu.be/ze1sYnh_VR8  https://youtu.be/KifcDu_6UAI  Sources: https://www.irs.gov/newsroom/historical-highlights-of-the-irs  https://files.taxfoundation.org/legacy/docs/fed_individual_rate_history_nominal.pdf  #TaxTips #Income #Tax Planning   _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discus

Education Center: https://bit.ly/4qccGTM  Meet with Us: https://bit.ly/4q8ISri  Retirement Checklist: https://bit.ly/4shrp1U  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  https://youtu.be/C7_GdgN502Q?si=GU3T-nIemsTmh8K1   https://youtu.be/ze1sYnh_VR8?si=nRvqUbJbtNiL6onU  https://youtu.be/ze1sYnh_VR8  https://youtu.be/V23VSDjDkYw  https://youtube.com/shorts/PcYSYF9SZeA  https://youtube.com/shorts/p9wub7m2TI8  https://youtube.com/shorts/jcG6tmi8Epc  https://youtu.be/uUL3Q1VbkRc  https://youtu.be/2eU3mv_rmr0?si=HbiLmB1mqwxl-aTL  Sources:  Goldman Sachs, Morgan Stanley warn of a market correction: 'Things run and then they pull back'  https://www.cnbc.com/2025/11/04/goldman-sachs-morgan-stanley-warn-of-a-market-correction.html  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed repres

Education Center: https://bit.ly/4oVmosU  Meet with Us: https://bit.ly/44wooAu  Estate Planning Guide: https://bit.ly/3KSSQxW  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Do You Have the Right Insurance Coverage?  https://youtu.be/WNsMrhaXPRQ?si=V0lzRcWuJHh_QDHI  Risk Management: Covering Your Assets, Before It's Too Late!  https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Retiring Early? Plan Your Insurance Before 65 https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Sources: https://www.thestreet.com/retirement/many-are-unprepared-for-long-term-care-needs  https://www.carescout.com/cost-of-care  https://youtu.be     https://youtu.be/58bvSP238pc?si=NNtInBtcNv_LcqXd  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion of Modern Wealth Management an SEC Registered In

Tax Tips in 10 Ep 48. Education Center: https://bit.ly/48V35db  Meet with Us: https://bit.ly/48OQZCd  Tax Reduction Strategies: https://bit.ly/4q3X9p9  Retirement Checklist: https://bit.ly/4pD7Qzk  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8?si=PSDyL6si1k38AcmK  Sources:  https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations  https://www.irs.gov/pub/irs-drop/n-25-68.pdf  https://www.modwm.com/2025-401k-and-ira-contribution-limits/  #TaxTips #Income #Tax Planning   _______________________________________________________________ Investment advisory services offered through Modern Wealth Management, LLC, an investment adviser registered with the SEC. The views expressed represent the opinion of Modern Wealth Management an SEC Regis

Education Center: https://bit.ly/495Nxoa  Meet with Us: https://bit.ly/4oOUoa4  Tax Reduction Strategies: https://bit.ly/4q4ZVdK  Retirement Checklist: https://bit.ly/4pzOcnH  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  Do You Have the Right Insurance Coverage? https://youtu.be/WNsMrhaXPRQ?si=V0lzRcWuJHh_QDHI  Risk Management: Covering Your Assets, Before It's Too Late! https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Retiring Early? Plan Your Insurance Before 65 https://youtu.be/nrYRM0Do_zc?si=YgKJKx8arcSejQfm  Sources: https://www.thestreet.com/retirement/many-are-unprepared-for-long-term-care-needs  https://www.carescout.com/cost-of-care  https://youtu.be     https://youtu.be/58bvSP238pc?si=NNtInBtcNv_LcqXd  #Investments #FinancialPlanning #WealthManagement  _______________ Investment advisory services offered through Modern Wealth Management, LLC, a investment adviser registered. The views expressed represent the opinion

Tax Tips in 10 or Less Ep. 47 Education Center: https://bit.ly/4oxyjwO  Meet with Us: https://bit.ly/3XAegCT  Tax Reduction Strategies: https://bit.ly/4peI3gq  Retirement Checklist: https://bit.ly/4posuDi  Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   2025 Tax Brackets & Contribution Limits  https://youtu.be/KifcDu_6UAI  Inherited IRA Rules and the SECURE Act https://youtu.be/aR5xJhnrtSU  The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8  Sources: Ed Slott, America's IRA Expert https://storenfinancial.com/ed-slott/#:~:text=Ed%20Slott%20is%20a%20nationally%20recognized%20IRA,strategies%20into%20understandable%2C%20actionable%20and%20entertaining%20advice.  Catch-Up Contributions https://www.federalregister.gov/documents/2025/09/16/2025-17865/catch-up-contributions  Super Catch-up 401(k) Contributions: Are You Eligible to Make Them? https://www.modwm.com/super-catch-up-401k-contributions

Education Center: https://bit.ly/4427vNR Meet with Us: https://bit.ly/3KtKpsT Tax Reduction Strategies: https://bit.ly/4rzc24n Retirement Checklist: https://bit.ly/4pEoKx4 Subscribe on YouTube to Catch our Videos:  https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1  7 Reasons NOT to Convert to a ROTH IRA https://youtu.be/ajbi8hkakn4?si=h6De9pZ1JG9KI-aj  The Impact of the One Big Beautiful Bill on Your Retirement https://youtu.be/ze1sYnh_VR8?si=rva0kEun3wNpBhvS  Sources: 2026 Tax Brackets: IRS Makes Inflation Adjustments https://www.modwm.com/2026-tax-brackets/  IRS releases tax inflation adjustments for tax year 2026, including amendments from the One, Big, Beautiful Bill https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill  Tax On Death Explained by  @taxleverage   https://youtube.com/shorts/hJiVrwTD5do?si=xdw6skMXabCKvlkx    _______________ Investment advisory services offered through Modern Wealth

Tax Tips in 10 or Less Ep. 46 Education Center: https://bit.ly/48lVsfJ  Meet with Us: https://bit.ly/484nuNL  Retirement Checklist: https://bit.ly/4p048iJ  Tax Reduction Strategies: https://bit.ly/4okyifA  Subscribe on YouTube to Catch our Videos: https://www.youtube.com/@AmericasWealthManagementShow?sub_confirmation=1   What is a QCD? Qualified Charitable Distributions https://youtu.be/vpdl1ZUlcNc?si=_TBI7CboNi9bFMtc  7 Reasons NOT to Convert to a ROTH IRA https://youtu.be/ajbi8hkakn4?si=HJultk0gJRDwG_Oy  Making the Most of Catch-Up Contributions https://youtu.be/ng129TKYiEQ?si=8Dste3S8NeuUcyKG  What are the Rules for RMDs on Inherited IRAs? https://youtu.be/43TvJ4lkyMk?si=5xd8tSHXzIibmA5M  Mega Backdoor Roth Strategy https://youtu.be/eEKbnn8svQ8?si=EDoDAlFGKFQm9goO  Sources: Annual QCD Limits for 2025 (IRS)  https://www.irs.gov/newsroom/give-more-tax-free-eligible-ira-owners-can-donate-up-to-105000-to-charity-in-2024  #TaxTips #Income #Tax Planning  _________________________________________________