When the market takes a dive, most people panic. But the most successful investors often see downturns differently. Being able to recognize opportunity in the middle of market uncertainty can help you make critical decisions during difficult market environments. Let’s talk about what steps you can take to strengthen your plan while others sit on the sidelines.

We'll cover four smart strategies that can work during volatile periods, including increasing savings, timing Roth conversions, reallocating investments, and using the experience as a wake-up call to build a more resilient plan. No matter what stage of life you’re in, taking the time to pause, think, and respond with purpose instead of fear will help you emerge stronger.

Here’s what we discuss in this episode:

🔁 Roth conversions during a downturn

💡 Rebalancing when some sectors fall harder

🧠 What panic reveals about your plan

🧾 Learning now to prepare for the next time

0:00 – Intro

1:28 – Buying more (if you can)

3:42 – Roth Conversions

5:49 – Investment Strategy

7:37 – Create a buffer

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446

Schedule a Meeting: http://meetwithjohn.com

Check us out on YouTube: https://bit.ly/46RaLvL

Tax season is here, but did you know that filing your 2024 return is only part of the equation? With the 2025 tax changes in place, John breaks down key areas where you may be able to reduce your tax bill. With increased standard deductions and higher retirement contribution limits, now is the time to evaluate how you can plan smarter and potentially put more money toward your future.

In this episode, we dive into the major tax changes for 2025 and discuss how smart planning now may save you a lot of money and stress later. From updates to the standard deduction to misconceptions about catch-up contributions, John explains what really matters for pre-retirees and retirees.

Here’s what we discuss in this episode:

📊 Most people won’t need to itemize, instead they’ll take the Standard Deduction

💡 Catch-up contributions aren’t “free money,” they require planning

🏥 The HSA might be your most powerful retirement savings tool

💸 Adjusting paycheck withholdings can avoid surprise bills or big refunds

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446

Schedule a Meeting: http://meetwithjohn.com

Check us out on YouTube: https://bit.ly/46RaLvL

Once you’re on a fixed income in retirement, it can be difficult to open the checkbook to pay for major expenses. Emotion and logic both play into the decision, and many spouses can feel apprehensive about spending large sums of money without a paycheck still coming in. So how do you determine if you can afford that home renovation you’ve always wanted and what’s the best way to convince your partner it’s going to be okay long-term?

We’ll highlight three potential scenarios regarding that cause someone to have reluctance to spending: emotional resistance, logical miscalculations, or a valid conclusion that the expense isn’t feasible. We want to approach these discussions openly and honestly, ensuring that both partners feel heard and understood. So let’s walk through the process for determining whether the concern is justified and show how knowing the numbers can help alleviate fears and make informed decisions.

Here’s what we discuss in this episode:

0:00 – Intro

2:51 – Logical reasons

4:53 – How we help

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446

Schedule a Meeting: http://meetwithjohn.com

Check us out on YouTube: https://bit.ly/46RaLvL