Shows
Not a Guru: Real Financial Education with Mark Byelich, CFP®How a Major Market Drop Can Change Your RetirementAir date: 4/30/25Investment markets can be very volatile. You’ve probably heard that a significant market drop can have long-lasting, or even permanent negative effects on your retirement savings and therefore the quality of your retirement. I’ll discuss why this is and how to potentially protect yourself in this week’s episode.Video version: https://www.youtube.com/watch?v=B8AN2L7zDxk0:00 - Introduction & Upcoming05:13 - Headlines & Slott Report15:45 - Market Update24:20 - The Financial Focus: How a Major Market Drop Can Change Your Retirement 2025-05-0358 minNot a Guru: Real Financial Education with Mark Byelich, CFP®New Super Catch-Up Rule (Who It Applies To and Who It Doesn’t)The SECURE Act and SECURE 2.0 introduced significant changes to retirement and tax planning, with various effective dates. One major change in 2025 affects catch-up contributions, allowing for larger contributions in some cases. However, these "Super Catch-Up Contributions" are subject to limitations based on the individual's age and the type of retirement account or plan used. 3 Pillars of Investment Management: https://www.youtube.com/watch?v=mgSBeGzVqggVideo version: https://www.youtube.com/watch?v=Igu1kYeNxNsSchedule time with Mark for a no cost, complimentary consultation here: 2025-04-2744 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Tax Planning in 2025, with Special Guest David McKnight2025 is a year of change for our tax laws. In this episode, Mark and Dave will discuss the status of tax law changes, some thoughts about proposed changes, and what it may mean for your financial plan and investment strategies. Be sure to tune in to learn the important details.Video version: https://youtu.be/GwovySeeVxk?si=UQKMzn-nhbXQy0HCSchedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com 2025-04-1458 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Gifting Strategies You Should KnowIt can be exciting when you realize your needs are taken care of and you can start planning for gifting to your loved ones, charities, or other people and organizations you want to help. But just like any other financial planning strategy, you should be careful to understand the benefits, drawbacks, and limitations of the gifting strategy you choose. I’ll review some popular gifting strategies and help you identify the critical items to pay attention to in this episode. Be sure to tune in to learn the important details.Watch the video version: https://www.youtube.co...2025-04-051h 03Not a Guru: Real Financial Education with Mark Byelich, CFP®Spouse as IRA Beneficiary - This Attorney Got It Wrong!During my travels last week, I met a very nice woman who told me of her husband’s passing. She’s now dealing with the loss of a loved one and managing their investments. I was shocked to learn the bad advice her financial advisor, who is also a CPA and attorney, gave her. I’ll share the details in this episode.3 Pillars of Investment Management: https://www.youtube.com/watch?v=mgSBeGzVqggSchedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attlebo...2025-03-2954 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Should you have a Mortgage or No Mortgage in Retirement? A common goal people have is to have their mortgage paid off by the time they retire. But is not having a mortgage in your retirement the right answer? I’ll explore pros and cons in this episode.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any ind...2025-03-261h 01Not a Guru: Real Financial Education with Mark Byelich, CFP®Trusts as IRA Beneficiaries w/ Andy Ives, CFP®, AIF®Naming a trust or estate as beneficiary of an IRA introduces a number of post-death issues and potential hurdles. Before a trustee or executor touches any IRA funds, some foundational and oftentimes confusing details must be considered. Be sure to tune in to learn the important details.Andy Ives, CFP®, AIF®, brings 25 years of diverse experience in the financial services industry, ranging from managing client relationships to delivering expert-level IRA guidance. His depth of knowledge and engaging presentation style make him a highly sought-after speaker, particularly on the intricacies of IRA distribution planning. Andy is a core pa...2025-02-0558 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Should You Borrow From Your Retirement to Pay Off Debt?A common question I hear is “Should I withdrawal money from my retirement accounts to pay off debt?” This is an important question that many of us have asked ourselves in the past. I’ll explore some key points to try to answer this question in this episode.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and are not in...2025-02-0537 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Important Updates for 2025There are important updates for 2025 that can affect your financial plan and investment strategies. Be sure to tune in to learn the important details.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about...2025-01-2155 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Waiting to Collect Social Security is a SCAM?As I take a break over the holidays from my weekly webinars, we have put together some of our "Greatest Hits." This was a fun video with a lot of interaction and response that was originally broken down into two parts. We've combined the parts into one so you can enjoy the entire episode easily. I hope you find the information helpful and informative.There is so much financial advice to be found on the internet and YouTube. Some of it is very good, some is okay, and some is just dangerous and potentially harmful. This week...2024-12-2132 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Recent Changes to RMD Rules w/ Special Guest Sarah Brenner, JDThere have been many changes recently to the rules about Required Minimum Distributions. Join Mark and Sarah as they explore and discuss some of these changes and how they might affect you or those you care about. Be sure to tune in to learn the important details.Sarah Brenner, JD, is a leading authority on IRA distribution planning with over twenty years of experience helping clients and financial professionals navigate complex technical IRA questions. Known for her engaging presentation style, Sarah skillfully uses clever pop culture anecdotes to make advanced IRA education both memorable and accessible. Her...2024-12-211h 00Not a Guru: Real Financial Education with Mark Byelich, CFP®RMD and Roth Conversion Rules to KnowRoth conversions can be a powerful tax planning tool. Required Minimum Distributions (RMDs) have complex rules and significant penalties for failing to follow those rules. Converting your Traditional IRA to a Roth IRA when also taking your RMDs can be confusing and cause potential issues if done wrong.I’ll review the rules you should know about Roth conversions and RMDs in this episode. Be sure to tune in to learn the important details.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.co...2024-12-0849 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Roth Conversions and Annuities Both Roth conversion and the appropriate use of annuities can be powerful parts of your tax-efficient financial plan. However, there are critical items to pay attention to when you are considering converting your Traditional IRA annuity to a Roth IRA annuity. Be sure to tune in to learn the important details. Links Mentioned:https://www.federalregister.gov/documents/2008/07/29/E8-17271/converting-an-ira-annuity-to-a-roth-ira5 Crucial questions to ask before you file for Social Security | The Financial Focus: https://youtu.be/WKWvmfVfGSYThe Realities of Aging in America, w/ Bryan Adler, Esq, CE...2024-11-261h 02Not a Guru: Real Financial Education with Mark Byelich, CFP®How and When to Pay Tax on Your Roth ConversionPlanning or completed your Roth conversion for this year? Do you know when and how to pay the tax owed on that conversion? I’ll discuss the details in this week’s video. Be sure to tune in to learn the important details.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice...2024-11-1146 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Do you Have a Roth 401(k)? Key Items to Know!Many people don’t know if they have a Roth 401(k) or other Roth retirement plan.If you do know that you have a Roth option, you may not be optimizing this powerful tool due to common misunderstandings or misconceptions. It’s important that you understand your options and how to take full advantage of your plan. Be sure to tune in to learn the important details.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: h...2024-11-1152 minNot a Guru: Real Financial Education with Mark Byelich, CFP®The Realities of Aging in America, w/ Bryan Adler, Esq, CELABy 2040, over 80 million Americans will be over the age of 65, and most will need some form of long-term care. Are we ready? Bryan and Mark will discuss the challenges and strengths of our long-term care system and how advocates are trying to improve care for America’s seniors.Be sure to tune in to learn the important details.Bryan Adler is a Certified Elder Law Attorney (CELA) through National Elder Law Foundation*. He dedicates his practice to advising and counseling clients in the areas of elder law, life care planning, asset protection, veterans’ benefits, estate plannin...2024-11-1159 minNot a Guru: Real Financial Education with Mark Byelich, CFP®5 Crucial Questions to Ask BEFORE You File for Social SecurityOne of the top three questions I hear is “when should I start collecting my Social Security benefits?” Join me and nationally recognized Social Security planning expert Heather Schreiber, as we explore the questions and information needed to help you answer this important question. Be sure to tune in to learn the important details.Heather is a leading expert in navigating the complex issues regarding Social Security and brings her expertise to the team at Attleboro Wealth Management and their clients.Heather Schreiber, RICP®, NSSA®, has a passion for consumer advocacy that is contagi...2024-11-111h 07Not a Guru: Real Financial Education with Mark Byelich, CFP®Roth Conversion Breakeven Point and Opportunity CostRoth conversions are one of the most valuable tools we have in tax-efficient planning. Two questions I receive time and time again are “what is the breakeven point of a Roth conversion?” and "what about the opportunity cost of a Roth conversion?” These are both great questions, and we will explore the answers in this episode.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for...2024-10-0635 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Investments and The Markets w/ Special Guest Thomas Balis, CFA®What is the state of the investment markets? What may happen before, and after, the upcoming Presidential Election? What other investment related issues should you be paying attention to? Join Thomas Balis, CFA® and Mark as they discuss these questions, investments and the markets.Be sure to tune in to learn the important details.Three Pillars of Investment Management: https://www.youtube.com/watch?v=mgSBeGzVqggSchedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.V...2024-09-281h 06Not a Guru: Real Financial Education with Mark Byelich, CFP®Important Year-End Planning TipsI know that summer is not yet over, but it is time to start working on Year-End Planning. In this episode I’ll share some important tips and practices to help you stay ahead of the game.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or...2024-09-2348 min
The Power Of Zero ShowEight IUL Deal-breakers You Should Watch Out ForThis episode is part of David McKnight’s interview with Mark Byelich, founder and owner of Attleboro Wealth Management. David and Mark discuss why the money inside a Life Insurance Retirement Plan (LIRP) "bucket" is treated differently for tax purposes and benefits from low fees. When it comes to life insurance, David recommends "having as little of it as the IRS requires, and stuffing as much money into it as the IRS allows." Remember: not all Indexed Universal Life (IUL) policies are created equal. Starting an IUL is like getting married – it o...2024-09-1830 minNot a Guru: Real Financial Education with Mark Byelich, CFP®The #1 Retirement Planning MistakeIn my 20 plus years of helping people with their retirement planning, I have identified the #1 mistake that most individuals AND financial planners make. Tune in to learn more.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended...2024-09-1346 minNot a Guru: Real Financial Education with Mark Byelich, CFP®How to Choose the Right Life Insurance Policy for Your Retirement w/ David McKnightJoin me and my Special Guest, Best Selling Author David McKnight, for our discussion about the critical items that must be considered when placing a life insurance policy in your retirement plan. Be sure to tune in to learn the important details.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and are not intended to provide s...2024-09-0256 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Is Life Insurance Right for Your Retirement Plan?In this episode, we delve into the crucial question: Is life insurance an appropriate tool for retirement planning? Join us as we explore the various types of life insurance, their benefits, and how life insurance may impact your financial security during retirement. Be sure to tune in to learn the important details.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery or email: questions@attleborowealth.com.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: q...2024-08-2454 minThe Power Of Zero ShowThe #1 Reason Why People Don't Do a Roth ConversionDavid and Mark Byelich talk about why people don’t want to pay a tax before the IRS absolutely requires it of them. David touches on the 2018 documentary The Power of Zero: The Tax Train is Coming. Mark Byelich explains that the longer someone hasa tail of the overage in their IRA hanging out there, the more risk they have. Mark discusses what happens in financial planning when people ease. When it comes to people around the country, the initial tax payment is typically the thing that’s really hard to get o...2024-08-1408 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Market Correction? Do This Now!Continuing with our What to Do Now! series, this week we are looking at what you should do when you are experiencing, or concerned about, a Market Correction. What things should you be doing NOW to prepare? Be sure to tune in to learn the important details.In each webinar I discuss recent headlines, IRA and retirement issues from the Ed Slott Group, market updates and analyst reports, and a timely Financial Planning strategy or technique. Please don't hesitate email us with any questions you have or if you'd like to schedule an appointment with us...2024-08-1447 minThe Power Of Zero ShowWhy You Must Do a Roth Conversion Before Your Spouse Dies (Bonus: Your Kids Will Love You)Today’s episode is part of David’s interview with Mark Byelich. David and Mark address Mark’s concept of “suddenly single”. David once met an Uber driver who had saved $1.5M. All financial advisors gave him the same advice “don’t change anything” but David had something different to share. A Roth conversion is something married couples should consider to avoid being automatically catapulted into the 22% or 24% tax bracket if one spouse dies. David breaks down the thought process behind considering a Roth conversion even if you feel like you’ve done everything...2024-08-0713 minNot a Guru: Real Financial Education with Mark Byelich, CFP®Just 1 Year From Retirement? Do This NOW!Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Continuing with our What to Do Now! series, this week we are looking at what you should do when you are just 1 year from retirement. What things should you be doing NOW to prepare? Be sure to tune in to learn the important details.In each webinar I discuss recent headlines, IRA and retirement issues from the Ed Slott Group, market updates and analyst reports, and a timely Financial Planning strategy or technique. Ple...2024-08-0655 minNot a Guru: Real Financial Education with Mark Byelich, CFP®2 Years From Retirement? Do This NOW!Continuing with our What to Do Now! series, this week we are looking at what you should do when you are just 2 years from retirement. What things should you be doing NOW to prepare? Be sure to tune in to learn the important details.Videos mentioned:IRMAA Surcharge Brackets: https://youtu.be/VdAGPqQt7Io55 Years Old? Do This NOW!: https://youtu.be/5Y-k-lMB_LE5 Years From Retirement? Do This NOW!: https://youtu.be/EA4AN0mNC4MSchedule time with Mark for a n...2024-07-2049 minNot a Guru: Real Financial Education with Mark Byelich, CFP®07/10/24 - 5 Years From Retirement? Do This Now!Continuing with our What to Do Now! series, this week we are looking at what you should do when you are 5 years from retirement. What things should you be doing NOW to prepare? Be sure to tune in to learn the important details.Videos mentioned:2024 IRMAA Surcharge Brackets: https://youtu.be/VdAGPqQt7IoAssembling Your Retirement Team: https://youtu.be/TTQ8TWrbf4YThree Pillars of of Investment Management: https://youtu.be/mgSBeGzVqgg55 Years Old? Do This Now!: https://youtu.be/5Y-k-lMB_LE2024-07-131h 09Not a Guru: Real Financial Education with Mark Byelich, CFP®07/03/24 - 55 Years Old? Do This Now!No one has ever sat across the conference room table, or on the other side of the camera, and said to me “I wish I would have waited a few more years to do this.” It’s always the opposite. Most people say, "I wish I had known about this 10 years ago!" At 55 years old, retirement is about 10 years away for many people. What things should you be doing NOW to prepare?Be sure to tune in to learn the important details.Roth 401(K) to a Roth IRA Rollover: https://irahelp.com/slottreport/roth-401k...2024-07-1058 minNot a Guru: Real Financial Education with Mark Byelich, CFP®06/12/24 - Choose Your Retirement Tax RateThere are many reasons why we are convinced that tax rates will be much higher in the near future for many taxpayers. We also know that once tax rates increase your options for controlling your tax rate in retirement may be limited, or gone altogether. The good news is that we have tools within the tax code that allow us to lock in our tax rate for our lifetime, and perhaps for 10 years after your death. Be sure to tune in to learn the important details.Visit our website: https://www.attleborowealth.com 2024-07-1057 minNot a Guru: Real Financial Education with Mark Byelich, CFP®06/26/24 - When NOT to Convert to a Roth IRAI've often said that the Roth conversion is one of the best tools we have for tax-efficient planning. HOWEVER, there are times when it does not make sense to convert your Traditional IRA to a Roth IRA. Be sure to tune in to learn the important details.Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com.Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for general informational purposes only and a...2024-07-1057 minThe Power Of Zero ShowHow to Avoid Over-Converting Your Roth IRADavid sits down with certified financial planner Mark Byelich to discuss how to avoid over-converting your Roth IRA. They start the conversation by describing how over-converting your Roth IRA could sink your retirement plan. According to David, you should execute a Roth conversion if your tax bracket is going to be higher during retirement than it is right now. For stress-free retirement, David believes retirees should constantly think about future tax rates and ways to get to the zero percent tax bracket. David and Mark predict that the Trump tax cuts wi...2023-03-2218 minThe Power Of Zero ShowWhy the Middle Class Could Soon Be Paying 45% Effective Tax RatesDavid sits down with certified financial planner Mark Byelich to discuss why the middle class could soon be paying 45% effective tax rates. When asked what investors should pay attention to in 2023, David says it's now do or die for those looking to take advantage of the Trump tax cuts that are set to expire in December 2025. According to David, the most important thing you can do to help your money last longer in retirement is to pay taxes now at historically low rates. David believes taxes have to double by 2030, or the country...2023-03-1522 minThe Power Of Zero ShowHow to Best Position the LIRP in Your POZ StrategyMark Byelich doesn’t know when taxes are ever going to be lower than they are right now. David sees Medicare, not Social Security, as the main issue because Medicare is five times more expensive and it’s what’s really going to be driving debt over time. David thinks that Social Security can easily be fixed by moving the age of retirement or by adding means testing like it happens in other countries. In his opinion, the challenge is how to renegotiate Medicare. It’s what is increasing by 6% each year, on average...2022-02-2325 minThe Power Of Zero ShowThe POZ Moves You Should Be Making Right NowNormally, it takes a year to add $1 trillion to the national debt. With Covid-19, we have added $6 trillion to the debt. Something that usually happens in 6 years took place in 3 months. David believes that instead of cutting the various programs, the government is going to raise more taxes. Mark discusses main turning points of his career: being part of Ed Slott’s mastermind group since 2011, seeing one of David’s presentations, and getting a copy of The Power of Zero at a conference in San Diego back in 2015. Some of the studies Mark Byel...2022-02-1624 min
Money Tree InvestingSlashing Taxes in Your Portfolio, with Mark Byelich and Paul MurrayMark Byelich and Paul Murray say the best and most advantageous bucket is the tax-free bucket. A tax-free bucket includes things like Roth IRAs, Roth 401(k)s and the cash value of life insurance policies. Mark and Paul, from share their thoughts with Joe Saul-Sehy, which led to an interesting discussion with the panel about: Can you live a lifestyle and pay no tax? Is permanent life insurance a good tax savings vehicle? What tax strategy is most commonly overlooked or underutilized? For more information, visit the show notes a...2018-08-0346 min