Financial media loves simple answers: always do this or never do that. But real financial planning doesn’t work that way. Most of the biggest decisions people face in retirement live in the gray. David pulls back the curtain on the sensational advice dominating YouTube and financial media. Instead of chasing rigid rules, he explains why thoughtful coordination across multiple planning areas could potentially produce better outcomes.
Here’s some of what we discuss in this episode:
⏱️ Roth Timing Window: Converting before RMDs increase income
📊 Tax Bracket Planning: Filling lower brackets strategically
🧩 Annuity Purpose: Guarantees vs market exposure
🔍 Annuity Fine Print: Caps, riders, surrender terms
🏠 Mortgage Tradeoffs: Interest rate vs emotional security
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products
For additional resources or to contact David, visit us online at http://coveryourassetskc.com or call 913-317-1414.
