Sam Bankman-Fried committed one of the biggest frauds in history and gave a huge share of the proceeds to Democrats and anti-Trump Republicans Now that he's been convicted Charlie looks back on the ramifications of SBF's scam from enriching left-wing activists to giving them control of the Senate Then he follows up with a demand Why haven't the beneficiaries of SBF's largesse returned every cent of the stolen funds Support the show http www charliekirk com supportSee omnystudio com listener for privacy information [... more]

As thousands of Ukrainian women and children arrived at Berlin rsquo s railway station fleeing war they were met with a surprise mdash German families holding handmade signs offering refuge in their homes ldquo Can host two people rdquo one sign read ldquo Big room available rdquo read another Asked why she offered such hospitality to strangers one woman said her mother had needed refuge while fleeing the Nazis and she wanted to help others in such need In Deuteronomy God calls the Israelites to care for those far from their homelands Why Because He rsquo s the defender of [... more]

One of the facts of life is that each of us will die someday mdash and everything we have will be left behind including our debts So who will have to pay those debts On today's MoneyWise Live Rob West will talk about ldquo debt after life rdquo mdash and how it can affect your loved ones and beneficiaries Then he rsquo ll answer your calls and questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Our three-part series on marriage and money wraps up today with a look at the financial decisions that often happen during the divorce process This is going to be a highly emotional and difficult process for those involved which makes the financial aspect of this process even more challenging We'll walk you through a few of the items that will need to be addressed like dividing assets child support and updating documents Then we'll talk about how your mindset has to change as you begin the next chapter of life independently and begin planning for retirement on your own Here [... more]

Money plays a significant role in the health of a relationship and life events like marriage and remarriage require us to have honest conversations about finances when we take these steps in life In this episode we're going to spend time discussing the items that need attention when you get remarried There are some common themes and considerations as your first marriage but things like combining finances and joint accounts will inevitably be more difficult when it's the second marriage because you're further along in life and more established financially Combining households can be a challenge when you get married [... more]

When considering which assets to leave your beneficiaries there's one asset that's loaded with taxes IRAs Inheriting an IRA is very different from inheriting a Roth IRA In fact without proper planning as Peter Richon with Richon Planning explains to Erin Kennedy the irs may end up being your largest beneficiary Distributions from an inherited Roth account are both tax and penalty free which means you won't saddle your heirs with a heavy tax burden during their prime earning years If you have any questions about your financial legacy or if you'd like to learn more about strategic tax planning [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss designated beneficiaries 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]

It's a bit tough to keep up with all the changes that have come to Required Minimum Distributions or RMDs which started back in with the original SECURE Act However there are significant changes that went into effect January st of Peter with richonplanning and Erin Kennedy lay out and explain each change including The Starting Age Has Increased Again Lower Penalties if You Miss Taking your RMD Inherited Retirement Accounts accounts inherited before vs accounts inherited after Keep in mind you can correct an RMD mistake but it's best to avoid those missteps if possible which is why proactive [... more]

was a brutal year for investors is sure to be challenging but there are some action steps you can take now to set yourself up for success no matter how the market behaves In this video Peter Richon with Richon Planning and Erin Kennedy walk through these Resolutions Rebalance Pay Down Debt Lower Expenses Keep Saving for Retirement Update Your Estate Plan Beneficiaries Proactive Tax Planning If you would like some help outlining or setting up and achieving your unique financial goals and resolutions please feel free to reach out to Peter for a complimentary consultation by calling - or [... more]

SECURE Act Later RMDs -to-Roth Rollovers and Other Tax Planning Opportunities Congress recently passed SECURE Act which will bring several changes to retirement account rules Peter Richon with Richon Planning and Erin Kennedy break down the big takeaways including some unique opportunities including -RMD Age Increase -QCDs Will Be Expanded - Plans These changes however will make proactive tax planning even more important Keep in mind when you delay those Required Minimum Distributions it will lead to larger account balances at death which could create a significant tax burden for your beneficiaries If you'd like to talk through these changes [... more]

If you're nearing the age to take Required Minimum Distributions or RMDs and you want to avoid the extra income and its tax implications Peter Richon with Richon Planning and Erin Kennedy break down three strategies to consider Peter recommends these strategies to help reduce your tax exposure Consider taking distributions as early as possible Roth Conversions Qualified Charitable Distributions or QCDs Keep in mind RMDs are income so taking those distributions can boost your taxable income and your income taxes for the year which is why strategic tax planning is so important If you have any questions about these [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss IRA beneficiaries 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]

Thousands of years ago the prophet Jeremiah revealed God's promise of a new covenant As Christians we are beneficiaries of that promise Today R C Sproul considers the new covenant in Christ and the blessings we have in Him Get R C Sproul's teaching series 'Promises' on Digital Download and 'Promises of God' on DVD 'for Your Gift of Any Amount https gift renewingyourmind org promises Don't forget to make RenewingYourMind org your home for daily in-depth Bible study and Christian resources [... more]

Every year Medicare beneficiaries have the choice of paths and they can only pick one Hans and Robby go over both paths as well as the pros and cons 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]

At the beginning of every year there is a Medicare Advantage Open Enrollment Period Hans goes over what this period allows Medicare beneficiaries to do as well as the other periods 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]

Almost every year Social Security beneficiaries get an increase in their checks called COLA or the cost of living adjustment Hans goes over how much that is for and why it matters to 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 [... more]

Hans and Robby explain the halo of life insurance which is a list of people who cannot touch the money given to your beneficiaries 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]

A lot of people don't know what to do right now especially when it comes to their IRA or k Hans and Robby go over what you should be looking at in your accounts not only during recessions but all the time Make sure you are checking your beneficiaries as well as your balance Also remember it is important to understand the taxes on these accounts before you make any withdrawals or adjustments Don't make any rash decisions Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on [... more]

We are about to see a ton of ads during the Medicare Annual Enrollment Period but what really is the reason for the season The season which runs from October th through December th is really a time to look at Part D Prescription Drug plans as well as Part C Medicare Advantage plans Hans and Robby go over everything you need to know before the season begins Medicare Annual Enrollment allows Medicare beneficiaries to change their coverage to hopefully make it work better for them through the next year Part D Prescription Drug Plans can and a lot of [... more]

In Matthew Jesus says For verily I say unto you till heaven and earth pass one jot or one tittle shall in no wise pass from the law till all be fulfilled In other words God's law won't change in the slightest until the end of days Similarly the jots and tittles that name IRA beneficiaries are the letter of the law and will supersede your Will and financial intentions Recently at a conference hosted by Ed Slott Tom said he learned that a court will uphold your IRA's listed beneficiaries over the those listed on your will It can [... more]

In Mathew Jesus confronted the Pharisees and Sadducees when they tried to test Him saying that they knew how to interpret a red sky but couldn't interpret the signs of the times This week Hans and Robby talk about the fear and confusion of retirement taxes People tend to worry when their tax return is smaller than expected while in reality this is no cause for fear because the tax rates holistically have gone down It's important to know the difference between retirement policy and politics so you can plan financially and live well Hans recently participated in a webinar [... more]

In Luke the big barn parable tells the story of a rich man who grew extra crops and had no place to store them He decided he would tear down his barn and build a larger one which would give him the time to relax and take life easy God told him he was going to die that night and then what would happen to all the crops he was storing for himself God called the man a fool This same idea can be applied to people who want to leave their large IRAs to their beneficiaries Robby uses his [... more]

Medicare Annual Enrollment is almost over it ends on December th Do you know if you need to do anything Hans and Robby discuss the decisions Medicare beneficiaries need to make every fall The first one is if you would like to go the Medicare Supplement route or the Medicare Advantage route Next you need to decide which companies which plans and which drug plans you'll have for the year Make sure to listen because the first decision is usually skipped People can pay thousands more a year for the same coverage if they do not do this review every [... more]

Medicare Annual Enrollment is upon us but do you really need to do anything Hans and Robby discuss the decisions Medicare beneficiaries need to make every fall Make sure to listen because the first decision is usually skipped 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]

Proverbs says The wise store up choice food and olive oil but fools gulp theirs down Today the fools are the people paying taxes unnecessarily Hans and Robby talk about the new tax bill Qualified Charitable Distributions and tithing Hans also tells the story of a client who got some bad advice about her IRA's and how Cardinal helped her correct this resulting in less tax for her heirs Lastly they discuss IRMAA or the Income Related Monthly Adjustment Amount This amount is paid by higher-income Medicare beneficiaries Don't forget to get your copy of The Complete Cardinal Guide to [... more]