Shows
The Life & Finances Together PodcastLife & Finances Together Episode 22: Rules Make It Daunting - The Facts About RMDsRequired Minimum Distributions (RMDs) just got a whole lot more complicated.
Thanks to the SECURE Act 1.0 & 2.0, there are major changes to RMD ages, inherited IRA rules, Roth distributions, and more—and the penalties for getting it wrong can be steep.
In this episode, Roger and Jake explain:
How RMDs work under SECURE Act 2.0 (including new ages: 73 & 75)
The 3 types of IRA beneficiaries (EDB, NEDB, NDB) and how they change your withdrawal strategy
How to avoid massive tax hits from inherited IRAs
Why Roth IRAs are better to inherit than traditional IRAs
What happens if you miss an RMD
What to know ab...2025-06-0921 minThe Life & Finances Together PodcastLife & Finances Episode 21: It's Not a Budget: The R&D Cash Flow Planning ProcessCash flow isn’t just budgeting — it’s the foundation of every meaningful financial plan. In this episode, we dive into why understanding your spending patterns, adjusting for inflation, and preparing for life’s curveballs are key to long-term financial stability. From everyday expenses to healthcare costs, we explore how detailed cash flow planning can help align your lifestyle with your values.
Topics include:
• Discretionary vs. non-discretionary spending
• Inflation’s impact on different costs
• Planning for one-time and unexpected expenses
• Life events and their financial ripple effects
• What “wiggle room” really means in retirement2025-05-2216 minThe Life & Finances Together PodcastLife & Finances Episode 21: It's Not a Budget: The R&D Cash Flow Planning ProcessAre you planning for retirement? Avoid these 5 critical mistakes that could derail your financial future.
In this episode, we cover:
How the Sequence of Returns can make or break your retirement income
Why market timing often leads to disaster
The importance of cash flow planning in early retirement
How emotions can sabotage investment performance
What realistic return expectations should actually look like
Whether you're already retired or just starting to plan, this guide will help you sidestep common pitfalls and create a smarter, more sustainable financial future.
Stay invested. Stay prepared. And build an all-weather retirement plan that works in...2025-05-2116 minThe Life & Finances Together PodcastLife & Finances Episode 20: Asking the Experts About Insurance: Return of the Boer Insurance TwinsIn this episode, Roger is joined by Brian and Derek Boer of Boer Insurance Group. Together they explore the evolving landscape of risk and liability that today's homeowners face – and how insurance products like title insurance, identity theft protection, and umbrella policies fit into the picture.
Their discussion spans real-world examples of unexpected lawsuits - from contractors falling off ladders to boating accidents and dog-related injuries. They explain why some policies are shrinking in coverage while premiums rise, and how factors like rising verdicts, emotional distress claims, and negligence standards are reshaping how liability is assessed.
You’ll also hear insi...2025-05-0630 minThe Life & Finances Together PodcastLife & Finances Episode 19: 5 Retirement Mistakes & Hot To Avoid ThemAre you planning for retirement? Avoid these 5 critical mistakes that could derail your financial future.
In this episode, we cover:
How the Sequence of Returns can make or break your retirement income
Why market timing often leads to disaster
The importance of cash flow planning in early retirement
How emotions can sabotage investment performance
What realistic return expectations should actually look like
Whether you're already retired or just starting to plan, this guide will help you sidestep common pitfalls and create a smarter, more sustainable financial future.
Stay invested. Stay prepared. And build an all-weather retirement plan that works in...2025-04-0812 minThe Life & Finances Together PodcastLife & Finances Episode 18: Concerning Those 401(k) RolloversNavigating your 401(k) options can be overwhelming: whether you're changing jobs, nearing retirement, or optimizing your investment strategy. In this episode, our financial professionals Roger and Jake break down the essentials of 401(k) rollovers to help you make informed decisions about your retirement savings.
They cover the key differences between direct and indirect rollovers, potential tax implications, and how the Rule of 55 might allow penalty-free early withdrawals. You’ll also gain insights into in-service withdrawals and the often-overlooked benefits of Net Unrealized Appreciation (NUA) for company stock.
Topics Covered:
401(k) rollover options and key considerations
Direct vs. indirect rollovers: what yo...2025-04-0214 minThe Life & Finances Together PodcastLife & Finances Episode 17: Social Security - Should You Take Early or Delay?In this enlightening episode, our financial experts Roger and Jake dive into one of the most frequently asked questions in retirement planning: "When should I take Social Security?" Whether you're considering early retirement, planning to delay, or unsure of what makes the most sense for your financial situation, this episode is packed with valuable insights to help guide your decision.
You've spent decades paying into Social Security—it’s time to make sure you get the most out of it.
In this episode, we cover:
What is Social Security and why it’s a critical part of your retirement income
Unders...2025-03-2112 minThe Life & Finances Together PodcastLife & Finances Episode 16: Income in RetirementIn this episode of the Life & Finances Together podcast, our financial professionals Roger and Jake dive deep into smart retirement income planning, helping you assess your retirement savings, optimize your investment strategy, and create a secure financial future. Discover expert tips on maximizing your 401(k), IRA, Social Security benefits, and more to help ensure you achieve the retirement lifestyle you’re hoping for. Tune in now for actionable insights on financial freedom during retirement!2025-03-0416 minThe Life & Finances Together PodcastLife & Finances Together Episode 15: The Rinvelt & David Difference - Robin & Mark's StoryOn this episode, we invite you to learn more about the Rinvelt & David Difference as we feature a very special guest who will share with Roger and with you how they experience the Rinvelt & David Difference in their life and in their finances. We're honored to begin this special series with Robin & Mark's story.2025-02-1817 minThe Life & Finances Together PodcastLife & Finances Episode 13: Medicare 2025This episode features Roger and Jake explaining the basics about all 4 types of Medicare enrollment and what you need to be aware of to ensure that your coverage matches your needs.2025-02-0318 minThe Life & Finances Together PodcastLife & Finances Together Episode 14: Beneficiary PlanningOn this episode of the Life & Finance Together podcast, you'll hear from Roger and Jake about a very important subject here at our firm - beneficiary planning. We care deeply about ensuring that your beneficiaries are documented accurately and reviewed often so your financial goals and plans are met even after you're gone.2025-01-2920 minThe Life & Finances Together PodcastLife & Finances Episode 13: Medicare 2025This episode features Roger and Jake explaining the basics about all 4 types of Medicare enrollment and what you need to be aware of and watch for to ensure that your coverage matches your needs.2025-01-2818 minThe Life & Finances Together PodcastLife & Finances Episode 12: Risk-Adjusted ReturnIn this episode of the Life & Finances Together Podcast, Roger and Jake break down the meaning of risk-adjusted return and how it relates to financial planning.2025-01-1617 minThe Life & Finances Together PodcastLife & Finances Episode 11: Partners in the Community - Toys For TotsIn this episode, Roger and Kent County Toys for Tots representative Jeff DeJonge talk about Jeff's 27-year history with the organization, the impact Toys for Tots has had on Kent County, and how we can help share in the season of giving.2024-12-0222 minThe Life & Finances Together PodcastLife & Finances Episode 10: Health Insurance Insights with Bob GolmIn this episode, Roger talks with Bob Golm, a 40-year veteran of the insurance industry, about coverage considerations, Medicare, and more!2024-11-1927 min
Superclusters - The Emerging LP PodcastThe Case for Concentrated Portfolios | Jeff Rinvelt | Superclusters | S4E2“The line that sits for me is you got to pick well, you got to coach well, and then you got to finance well – and the financing includes the exit.” – Jeff Rinvelt
Jeff Rinvelt is a partner at Renaissance Venture Capital an innovative venture capital fund of funds. Jeff’s diverse background in venture capital and technology and his experience working in various start-up ventures uniquely position him to advise startups. In addition, Jeff is quite active in the Michigan start-up community, volunteering his time to mentor young entrepreneurs, judge pitch competitions, and guest lecture student classes and organi...2024-11-1850 minThe Life & Finances Together PodcastLife & Finances Episode 9: The Dos & Don'ts of Roth ConversionsIn this episode of the Life & Finances Together Podcast, Roger and Jake address some of the things that investors could miss when deciding to do a Roth conversion and why it's so important to do the math.2024-10-2419 minThe Life & Finances Together PodcastLife & Finances Episode 8: Ask the Insurance ExpertsIn this episode Roger talks about all things P&C insurance with the Insurance Twins from Boer Insurance. They address everything from common mistakes with homeowners and auto insurance to the changes in roofing coverage that may require you to save more for that repair or replacement. They have a lot of excellent information to share!2024-10-1540 minThe Life & Finances Together PodcastLife & Finances Episode 7: Partners in the Community - Gilda's Club Grand RapidsIn this episode, Roger speaks with special guests Wendy Wigger and Shawn Campbell of Gilda's Club Grand Rapids, about this special organization and opportunities to learn more about all of their free programming!2024-09-2528 minThe Life & Finances Together PodcastLife & Finances Episode 6: All Things S&P 500In this episode of the Life & Finances Together podcast, Roger shares the math behind the S&P 500 index and talks about what to listen for when you hear it mentioned in the news.2024-09-2317 minThe Life & Finances Together PodcastLife & Finances Episode 5: Partners in the Community - DABSJIn this episode, Roger speaks with special guest Caitlin Hopkins about D.A. Blodgett St. John's, one of our partners in the community, about their history, recent donation drive, and their upcoming holiday event, Wrapped in Hope.
Rinvelt & David LLC is an affiliate of Bluespring Wealth Partners LLC, a wholly owned subsidiary of Kestra Holdings, Inc. Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC. Investor Disclosures: https://www.kestrafinancial.com/disclosure.2024-09-1035 minThe Life & Finances Together PodcastLife & Finances Episode 4: Frequently Asked Financial QuestionsIn this episode, Roger and Jake talk about three of the most popular financial questions that they get asked and the way they tackle these key topics. Find out about Doing The Math, Stress Tests, and Medical Armageddon!
Rinvelt & David LLC is an affiliate of Bluespring Wealth Partners LLC, a wholly owned subsidiary of Kestra Holdings, Inc. Securities offered through Kestra Investment Services, LLC, member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC. Investor Disclosures: https://www.kestrafinancial.com/disclosure.2024-08-0517 minThe Life & Finances Together PodcastLife & Finances Episode 3: Who We HelpIn this episode of the Life & Finances Together Podcast, Roger and Jake discuss their recent recognition as one of the fastest growing firms in the nation, how new folks find them, and what makes the Rinvelt & David process work for so many.2024-07-3118 minThe Life & Finances Together PodcastLife & Finances Episode 2: About the FirmIn this episode of the Life & Finances Together podcast, Roger and Jake discuss favorite memories, motivators, and making an elevator pitch about the firm. Who gave a faster pitch? Listen and find out!2024-07-3015 minThe Life & Finances Together PodcastLife & Finances Episode 1: Meeting the AdvisorsIn our very first podcast, financial professionals Roger and Jake discuss their backgrounds and how they got into the industry as well as their favorite parts of their jobs.2024-07-2914 min
Superclusters - The Emerging LP PodcastA Case Study on Why LPs Pass on Great Funds | Jeff Rinvelt & Martin Tobias | Superclusters | S1 Post Season E1Jeff is a partner at Renaissance Venture Capital an innovative venture capital fund of funds. Jeff’s diverse background in venture capital and technology and his experience working in various start-up ventures uniquely position him to advise startups. In addition, Jeff is quite active in the Michigan start-up community, volunteering his time to mentor young entrepreneurs, judge pitch competitions, and guest lecture student classes and organizations. Through Jeff’s work on the Fund, his volunteer efforts, and his role as the chair of the Michigan Venture Capital Association’s board of directors, his passion for fostering a productive environment for ve...2024-01-1555 min
Bluespring Wealth Partners Out Loud PodcastEp 6: The Successor Academy And Its Impact After CompletionStuart Silverman, President of Bluespring Wealth Partners, speaks with Roger David of Rinvelt & David, Jared White of Compass Capital Management, and Anne McCabe of Curo Private Wealth as they discuss their experiences in Bluespring's Successor Academy. The Successor Academy features industry experts and peer discussions to train the next generation of advisors.
2022-03-2337 minBluespring Wealth Partners Out Loud PodcastEp 2: The Experience Of Being A SuccessorBluespring President Stuart Silverman speaks with the following firm successors to learn about their experiences with business succession.
Anne-Marie Laboe of Bernard R. Wolfe & Associates
Brandon Hayes of oXYGen Financial
Roger David of Rinvelt & David
2020-05-2633 min