Retirement planning doesn’t have to be overwhelmingly complicated. It certainly doesn’t have to be as complicated as some people make it.

In this episode, we unravel the unnecessary complexities often woven into the fabric of retirement advice. We’ll debunk some myths, simplify strategies, and uncover the beauty of simplicity and straightforward retirement planning. If you’re looking for more simplicity within your financial plan, we’ll even provide a few steps you can take today to move in that direction.

Here’s what we discuss in this episode:

0:00 – Intro

1:13 – The cause for complexity

5:09 – Steps to simplify things

8:33 – Simplifying investments

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446

What should you do with an old 401k that you’re still holding onto from an previous employer? Does that answer change when the market is performing well and your account is generating strong returns?

Let’s take a closer look at the rollover IRA and whether it’s something that you should be doing with your old 401k accounts. The primary reason someone uses a rollover is to gain more flexibility and control over that money so let’s talk about how the current investing environment impacts that decision. We’ll share our approach with clients when we’re helping them manage their portfolio and help you get a better idea of whether a rollover is a strategy you should utilize.

Here’s what we discuss in this episode:

0:00 – Intro and today’s question

1:12 – The reason to rollover your money

4:18 – The investment options

5:44 – Tax considerations

7:40 – Can you do this on your own?

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446

No one has a crystal ball that will tell them what will happen with tax rates in the future and we certainly can’t predict what will happen, but the expectation for many people is that rates will only be going up from where they are right now.

With that in mind, does it make sense to sell investments off ahead of those possible tax increases in order to take advantage of the lower rates? We’ve been talking to our clients at Rosewood Wealth Management about tax planning strategies that will position them better over time but does it make sense in this specific situation? We’ll break that down in this video.

Here’s what we discuss in this episode:

0:00 – Intro on tax rates

1:32 – Today’s question

4:13 – Charitable giving strategies

9:32 – Capital gains taxes

Connect with us:

Web: https://rosewoodwealthmanagement.com/

Phone: 919-391-3446