We are still firmly in Bear Market territory Stocks and bonds are sharply negative In fact the market recently lost nearly one quarter of its value since the beginning of the year But those negatives actually offer some unique opportunities according to Peter at RichonPlanning He breaks down several strategies with Erin Kennedy including Tax Loss Harvesting Rebalancing Avoiding Phantom Income Roth Conversions RMDs If you have any questions about how to employ some of these tax strategies please reach out to Peter for a complimentary consultation by calling - or by visiting www RichonPlanning com [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss the update for inherited IRA's for the upcoming year Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode So you're retired you've saved your money over the years now what do you do with it Hans and Robby are here to help you Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week's show is all about the new regulations for with IRA beneficiaries as well as a discussion on the ten year rule Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week's show is about taxes Hans and Robby has you covered when it comes to information and tips on the standard deduction for Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby are back again this week with a brand new episode This week's show is all about what you can expect if you inherit an IRA What should you do first and what about the new tax laws Those questions and more will be answered so you've come to the right podcast Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

With quickly approaching Hans and Robby go over some need to know details about new RMD's and RMD Levels Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby talk about charitable giving and how to map out a plan to maximize your donations Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Begin with the end in mind Hans and Robby go over the difficult but necessary topic of life insurance for retirees Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

On this episode Peter Richon discusses the steps in moving from your working career to feeling fully prepared to make the transition to retirement Some of these steps are taken along the way some are absolutely necessary to be prepared Download the full list by visiting www RichOnPlanning com [... more]

At age the government makes you start making distributions from your IRA and k Hans goes over why you should think about required minimum withdrawals instead of required minimum distributions in your s and s Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

The Secure Act made changes to your IRA contributions especially at ages and If you are at these ages or are coming up on them you are going to want a plan in place for your retirement savings Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Hans Robby help us understand this sometimes confusing but very important topic Just another step in Finishing Well [... more]

Hans and Robby discuss QCDs or Qualified Charitable Distributions These distributions are a way to give your IRA money tax free to the charity of your choice Find out all the advantages of QCDs this week on Finishing Well Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

The government has given you some help with your IRA Not only are you allowed to take some money out without penalty if you have been financially hurt by Coronavirus but you can also leave money in your IRA for longer without penalty Hans walks through who these new provisions might work well for and who might want to not take advantage of this relief Remember Cardinal and Hans are here to help anyone who needs it at this time Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon [... more]

When you retire your life goes through a huge season of change especially when it comes to your finances The recently passed Secure Act adjusted how this season can go for you and your income The most notable adjustment comes to RMDs or Required Minimum Distributions for IRAs and k s The required start age for these has now been pushed back to from While this could be considered a tax break by some it is really important to look at this from a larger standpoint including how you want to pay taxes and leave money for your family Hans [... more]

The SECURE Act was recently passed making big changes to your IRAs and ks Hans talks about what was changed how this will affect you and what you need to do Important note The SECURE act really does not have any affect on your Roth IRAs If you have more questions about all of this please reach out to us we would be happy to go through everything with you Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans [... more]

Proverbs says Hope deferred makes the heart sick but a longing fulfilled is a tree of life With IRA's or individual retirement accounts hope or money deferred allows your longings to be fulfilled when you retire These hopes include a comfortable retirement with travel and fun and providing for your family Robby talks about how his dad wanted to go to Hawaii with his wife but after she passed he instead got to go with his children This was his hope deferred One thing most people where not hoping for is paying taxes on the money in their IRA but [... more]

The government wants their money and they are going to get their money whether it is from you or your heirs RMDs Required Minimum Distribution or is it Really Motivated Distribution Hans and Robby discuss reasons to take your Really Motivated Distributions early and late this week One really motivated way involves building up your Social Security benefit Another really motivated distributions allows you to give to the Church or other charities tax free Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free [... more]