Shows
Retire With RyanLearn the ABCs of MedicareIf you're approaching age 65, Medicare can feel overwhelming fast. Between Parts A, B, C, and D and the timing rules tied to each—it's easy to make a costly mistake if you don't understand how the pieces fit together. In this episode, I walk through the Medicare "alphabet," explaining what each part does, when enrollment matters most, and how your decisions interact with the rest of your retirement plan. We also cover common questions that come up when clients transition from employer-sponsored coverage to Medicare for the first time. Whether retirement is right around the co...
2026-02-1717 minRetire With Ryan6 Changes To Social Security Happening in 2026, #292The landscape of Social Security is changing yet again. As we enter 2026, six big changes will impact both current and future retirees. I break down everything from the new cost of living adjustment (COLA), increases in the earnings test limit, and updated eligibility requirements, all the way to shifts in the full retirement age and the solvency projections for the Social Security Trust Fund. You'll also hear practical tips on maximizing your Social Security benefits, how to prepare for what's ahead, and why it's more important than ever to have a solid retirement plan in place. ...
2026-02-1018 minRetire With Ryan2026 Medicare Part B Premium Surprises, #282Healthcare planning is a huge part of getting ready for your retirement. In this episode, I tackle one of the most pressing updates for retirees: the latest changes to Medicare premiums for 2026, including important surcharges, deductibles, and strategies to help you manage your healthcare expenses. I'm helping you understand the significant increases in Medicare Part B premiums and deductibles, the impact these changes will have on your Social Security benefits, and why waiting to claim Social Security might pay off. Listen in to get helpful strategies for appealing IRMAA surcharges and practical tips for structuring your income...
2025-12-0215 minRetire With Ryan7 Year End Tax Moves For Pre-Retirees in 2025, #281As 2025 comes to a close, we're here to help you make the most of year-end tax planning. I'm explaining seven actionable strategies to help you minimize your tax liability and optimize your retirement savings before the New Year. From maximizing retirement plan contributions and exploring Roth conversion opportunities to using donor-advised funds for charitable giving and getting the most from your health savings accounts, this episode is packed with practical advice. The insights I'm sharing in this episode will guide you through the essential moves you need to consider before December 31st. You will want to...
2025-11-2519 minRetire With RyanMajor Changes Coming To 401K, 403B, and 457 Retirement Plans in 2026, #280There are important changes coming to 401 (k), 403 (b), and 457 retirement plans in 2026, so I'm focusing on how these updates may impact catch-up contributions for individuals over age 50. With the Secure Act 2.0 on the horizon, higher earners will soon have to make their catch-up contributions as Roth (post-tax) rather than pre-tax contributions, potentially affecting their take-home pay and tax strategies. Tune in as I walk you through what you need to know, how to prepare for these new rules, and actionable steps to make the most of your retirement savings. You will want to hear this episode...
2025-11-1816 minRetire With RyanMapping Out A Plan For Roth Conversions, #279If you've spent any time on social media or read personal finance blogs, you've likely encountered a buzz around Roth IRAs and, specifically, Roth conversions. This week I'm discussing the details of Roth conversions, what they are, how they work, and why they're crucial for those looking to optimize their retirement finances. Roth IRAs hold a special appeal: the promise of tax-free income in retirement. And most people would agree that having tax free income in retirement is preferable over having taxable income. Yet, for many people, especially those in their 50s and older, most of their...
2025-11-1117 minRetire With RyanSocial Security 2026 Cost Of Living Update, #278Retirement planning is an ever-evolving process, and staying informed about changes to Social Security, Medicare, and tax limits is crucial to making the most of your golden years. On this episode of Retire with Ryan, I'm sharing important updates on the 2026 Social Security cost of living adjustment (COLA), projected changes to Medicare Part B premiums, and strategies for managing income in retirement. The newly announced cost-of-living adjustment (COLA) for 2026 will see benefit checks rise by 2.8%. I break down how the yearly adjustments are calculated, why they matter for seniors, and the impact of inflation on Social Security...
2025-11-0413 minRetire With RyanWhat is a Fiduciary Advisor and Why It Matters, #277With the term "financial advisor" being used so broadly these days, it's harder than ever for retirees and investors to make sense of who's actually guaranteed to act in their best interest. So let's talk about the key responsibilities of fiduciaries, explore the differences between fee-only advisors and those who earn commissions, and go through why full disclosure and ongoing advice matter so much in your financial planning relationship. I share practical tips on how to vet potential advisors, whether you're unhappy with your current one or searching for the right fit for the first time, and...
2025-10-2817 minRetire With RyanSwitching Plans and Saving Money During Medicare's Annual Open Enrollment, #276Every year, Medicare Open Enrollment presents an important opportunity for retirees and individuals enrolled in Medicare to review, update, and make changes to their health and prescription drug coverage. If you're on Medicare or approaching retirement, understanding the enrollment period and your options is crucial to ensuring comprehensive and cost-effective health care. I'm sharing the seven essential things you need to know to make the most of this important window. Whether you're already enrolled in Medicare or want to stay ahead of your retirement planning, I explain key dates, your options for switching plans, how to review...
2025-10-2113 minRetire With RyanKey SECURE Act Insights on Avoiding 25 Percent Penalties on Inherited IRAs, #275This episode is essential listening for anyone who's inherited an IRA, especially in light of the game-changing SECURE Act. If you've inherited a retirement account from a non-spouse since 2020, this episode is packed with details you need to know to avoid unexpected tax bills and penalties. I explain the new rules for inherited IRAs, explaining the requirements and options for non-designated, non-eligible, and eligible designated beneficiaries. Whether you're figuring out minimum distributions or seeking smart tax-planning strategies, you'll get clear guidance on how these updates affect you, plus tips to steer clear of common mistakes in 2025 and...
2025-10-1414 minRetire With RyanSeven Essential Tips to Maximize Your Lifetime Social Security Benefits, #274You might have seen those viral articles promising a mysterious multi-thousand-dollar Social Security "bonus," but are they actually legit? On the show this week, I separate fact from fiction, debunking the myths and sharing seven actionable strategies to help you get the most out of your Social Security over your lifetime. Whether you're curious about how working longer, delaying your benefits, checking your earnings record, or understanding tax implications can impact your retirement paycheck, this episode is packed with valuable tips to help you make sure you're not leaving money on the table. You will want...
2025-10-0716 minRetire With RyanWhat Retirees Need to Know About The Social Security Fairness Act, #273The Social Security Fairness Act, which was signed into law at the start of 2025, has been in effect for about nine months since this game-changing legislation repealed both the Windfall Elimination Provision and the Government Pension Offset, restoring and increasing Social Security benefits for millions of retirees, especially teachers and public employees who worked in jobs exempt from Social Security. In this episode, I discuss exactly who qualifies for these newly restored benefits, explain how the Social Security Administration is handling the rollout, and give you a step-by-step guide on what to do if you haven't received...
2025-09-3014 minRetire With RyanIs a Million Dollars Enough to Retire? #272It's one of the most frequently asked questions by my clients as they prepare for retirement. And while a million dollars may sound like a lot, the reality is a bit more complex. There are several key factors to consider when planning your retirement, including factoring in taxes, evaluating withdrawal strategies, and understanding the cost of living where you plan to retire. Let's break down how you can determine whether your nest egg will support your ideal retirement. You will want to hear this episode if you are interested in... [01:57] Evaluating if a million...
2025-09-2314 minRetire With RyanAvoid These Seven Medicare Enrollment Mistakes and Protect Your Finances, #271Are you turning 65 soon or starting to think seriously about healthcare in retirement? This week, I discuss the complicated world of Medicare—with a focus on the seven most costly mistakes people make when enrolling. From missing crucial deadlines and underestimating penalties, to overlooking the true costs Medicare doesn't cover and getting tripped up by income-related surcharges, I give practical advice to help you avoid expensive pitfalls and make confident choices for your health and your wallet. Whether you're working past 65, exploring Medicare Advantage and Medigap, or just want to sidestep penalties, this episode unpacks th...
2025-09-1628 minRetire With RyanEducation Planning After the One Big Beautiful Bill Act: Key 529 Plan Changes, #270Paying for education is a major expense for many families, so I'm breaking down why 529 plans remain the preferred way to save for college, thanks to their tax advantages and flexible growth. I unpack updates, such as increased limits for K-12 tuition withdrawals, expanded uses for trade and vocational schools, and the new ability to roll funds into ABLE accounts for individuals with disabilities. Plus, learn about the new Trump accounts, the option to roll over leftover 529 funds into your child's Roth IRA, and strategies to make the most of your education savings. ...
2025-09-0911 minRetire With RyanMaximizing Spousal Social Security Benefits for Married Couples, #269For married couples planning their retirement, understanding spousal Social Security benefits can seem like a labyrinth. This week, I'm answering a listener's question about how spouses can maximize their Social Security benefits. Join me as I break down the key rules, eligibility requirements, and strategies that can help you and your spouse make the most of your benefits over your lifetimes. Whether you're nearing retirement or still a few years away, I can help you understand primary insurance amounts, full retirement age, and what happens if one spouse claims benefits early. If you...
2025-09-0212 minRetire With RyanUnderstanding HSA Changes for 2026, #268The power of Health Savings Accounts (HSAs) as a tool for both managing health expenses and building your retirement savings is often overlooked. On this episode, I'm sharing the basics of HSAs, highlighting their triple tax-free advantage, and explaining why they might be one of the best ways to maximize your retirement savings, even compared to more familiar accounts like IRAs and 401(k)s. I also unpack some important upcoming changes to HSAs thanks to the One Big Beautiful Bill Act, set to take effect in 2026. These changes expand HSA eligibility, especially for those on...
2025-08-2617 minRetire With RyanSurviving the ACA Subsidy Cliff, #267The future of Affordable Care Act (Obamacare) subsidies is a pressing issue for retirees and anyone shopping for health insurance on the ACA marketplace. With the generous subsidies brought by the American Rescue Plan Act set to expire at the end of 2025, I break down exactly how these subsidies work, what changes are coming in 2026, and what that means for your wallet. We're talking eligibility thresholds, how income is calculated, why premiums might rise, and—most importantly—shares practical strategies for lowering your adjusted gross income to continue qualifying for subsidies as the rules tighten.
2025-08-1922 minRetire With RyanUnderstanding the New Charitable Contribution Rules from the One Big Beautiful Bill Act, #266The One Big Beautiful Bill Act affects charitable contributions for retirees and individuals considering their tax strategies. I'm walking you through three major changes: the restoration of the charitable cash deduction for non-itemizers, new limitations on how much can be deducted for larger contributions, and a cap on itemized deductions for high earners. Whether you give to charity every year, are planning a large gift, or just want to maximize your tax benefits, I'm sharing practical tips about when and how to make your contributions in light of these updates. You will want to...
2025-08-1212 minRetire With RyanShould You Open a Trump Account for Your Child's Future? #265The brand-new "Trump account" is a tax-deferred savings option for American children created by the One Big Beautiful Bill Act. I break down who's eligible for up to $1,000 in free government contributions, how these accounts work, and how they stack up against other popular savings vehicles like 529 plans, IRAs, custodial accounts, and regular brokerage accounts. If you're a parent or grandparent thinking about the best way to jumpstart your child's financial future, you'll want to tune in for my honest comparison of the Trump account's pros, cons, and quirks, plus tips on making the most...
2025-08-0514 minRetire With RyanHow the One Big Beautiful Bill Act Impacts Retirees, #264The One Big Beautiful Bill Act, signed into law on July 4th, brings about several important tax changes. I'm discussing what these updates mean, especially for retirees, and sharing practical advice on how to take advantage of new deductions and avoid unexpected tax hits. From permanent adjustments to tax brackets and an increased standard deduction, to special benefits for those aged 65 and older, I cover everything you need to know to optimize your retirement strategy. Whether you're curious about Social Security taxation, itemized deductions in high-tax states, or planning smart Roth conversions, this episode is...
2025-07-2915 minRetire With RyanRequired Minimum Distributions Explained, #263This week on the show, we're discussing the specifics of Required Minimum Distributions (RMDs) as we head into the second half of 2025. Whether you're approaching your first year of RMDs or have been taking them for a while, I break down everything you need to know, from when you need to start taking distributions based on your birth year, to how RMDs are calculated, which accounts are affected, and the potential tax consequences for missing a withdrawal. I'm also sharing eight practical strategies you can use to lower your future RMDs, including asset diversification, Roth...
2025-07-2223 minRetire With RyanHow the Big Beautiful Bill Impacts Solar & EV Tax Credits, #262With the recent passage of the Inflation Reduction Act, also known as the Big Beautiful Bill, significant changes are coming to both solar panel and electric vehicle tax credits. I break down what these changes mean, how they can affect your savings, and what steps you might want to take before these credits disappear. From figuring out if solar panels make sense for your home to understanding how electric vehicle credits work (and when they're expiring), this episode is packed with actionable insights and tips, especially for those planning for retirement or looking to cut...
2025-07-1514 minRetire With RyanRisk and Reward of Withdrawing Social Security Benefits to Invest ThemThis week, I'm addressing a listener's question: Should you collect Social Security at age 62 and invest the money, or wait until your full retirement age, or even age 70, for a bigger benefit? I break down the math and the risks, weighing the advantages of guaranteed annual increases and cost-of-living adjustments against the potential (and pitfalls) of stock market returns. I also explain key rules, such as the earnings limit for early filers, tax implications, and who might benefit from collecting early. Whether you're eager to take Social Security as soon as you can...
2025-07-0815 minRetire With RyanFive Reasons a Brokerage Account Might Be Better Than an Annuity for Your InvestmentsI'm exploring a common dilemma for anyone coming into a lump sum of money, whether from an inheritance, the sale of a business, or another windfall: Should you invest in a traditional brokerage account or opt for an annuity? On this week's episode, I discuss the key differences between annuities and brokerage accounts, highlighting the five major pitfalls of annuities that are often overlooked. You'll learn why transparency, flexibility, and tax efficiency make brokerage accounts a better fit for many investors, especially those seeking to beat inflation and maintain control of their funds. You...
2025-07-0123 minRetire With RyanFacts vs. Fiction in Retirement PlanningFrom the truths about making large purchases in retirement to whether you really need to pay off your mortgage before you stop working, I'm sharing years of financial expertise to challenge a few retirement myths so you can make balanced, informed decisions. We're talking strategies for charitable giving, clearing up misconceptions about reverse mortgages, and explaining why inflation may be your biggest risk in retirement. If you're looking for practical advice on enjoying your savings while still planning for the long run, or if you want to protect yourself from financial scams and fraud, this episode is...
2025-06-2416 minRetire With RyanSeven Smart Reasons to Leave Your Old 401(k) with a Previous EmployerBuilding on last week's discussion about why rolling over your old 401(k) into an IRA could be a smart move, this episode flips the script. It explores seven compelling reasons you might want to leave your 401(k) with your previous employer instead. I break down factors like fees, company stock advantages, penalty-free withdrawals, legal protections, and unique investment options that could all influence your decision. If you're approaching retirement or just planning your next career move, this episode is packed with insights to help you make the best choices for your financial future. You...
2025-06-1720 minRetire With RyanFive Reasons to Roll Over Your Old 401k into an IRAIn today's episode, I'm diving into a topic that's top-of-mind for anyone who's switched jobs: what should you do with your old 401(k) plan? I discuss five key reasons why moving them into an IRA could simplify your financial life, from consolidating accounts for better control to gaining access to a broader range of investment options, reducing fees, optimizing Roth and after-tax funds, and making it easier to work with a financial advisor. Whether you're planning your next career step or just want to make your retirement savings work harder for you, this episode is packed with...
2025-06-1015 minRetire With RyanRetirement Reality Check, with Michael SheldonThis week on the show, I'm joined in person by investment veteran Michael Sheldon, who brings over 26 years of experience in the financial services industry. We dig into essential strategies for investing as you approach and enter retirement, covering asset allocation, diversification, income planning, and how to handle inevitable market volatility. Whether you're a pre-retiree, a recent retiree, or just looking to strengthen your investment approach, Michael offers some great actionable insights designed to help you build a resilient portfolio and stay on track toward your long-term financial goals. You will want to hear this episode...
2025-06-0348 minRetire With RyanBreaking Down the FERS Retirement System for Federal EmployeesOn this week's episode, I'm discussing the Federal Employees Retirement System, or FERS, a program that covers nearly all civilian federal workers. If you're a federal employee curious about when you're eligible to retire, how your pension is calculated, what the Thrift Savings Plan offers, or how special early retirement and survivor benefits work, this episode is your go-to resource. We're breaking down the three key components of FERS: your Basic Benefit Plan (a pension), Social Security, and the Thrift Savings Plan, as well as important details like cost-of-living adjustments and tax considerations. Whether you're just starting...
2025-05-2718 minRetire With RyanFour Costly Mistakes to Avoid When Claiming Social Security While Working After 65Thinking about collecting Social Security while you're still working? It's a tempting option, but there are several crucial mistakes you'll want to avoid. Using real-life stories, I'm laying out the four big pitfalls, like earning over the social security limit, jeopardizing your health savings account, mishandling Medicare enrollment, and forgetting about tax withholding. These missteps can lead to unnecessary penalties, and so I want to give some actionable strategies to help you make the most of your benefits without unpleasant surprises. You will want to hear this episode if you are interested in... [00:00] Four key factors...
2025-05-2018 minRetire With RyanApplying Warren Buffett's Investment Wisdom to Your LifeIt's been announced that Warren Buffett is stepping down as CEO of Berkshire Hathaway. In this episode, I'll discuss Buffett's humble beginnings, his approach to investing, and the philosophy that built one of the most successful companies in history. I'll also break down Warren Buffett's wisdom into seven powerful, practical tips that align with my own approach to advising clients. Listen for tips on starting your investment journey early, staying the course during tough markets, and prioritizing temperament over intellect. You will want to hear this episode if you are interested in... [00:00] Principles of Warren Buffett's...
2025-05-1320 minRetire With RyanTop Five HSA Mistakes That Are Costing You Money and How to Avoid ThemOn the show today, I'm discussing something that could be a game-changer for your retirement savings: Health Savings Accounts, or HSAs. If you're on a high deductible health plan, you might be eligible for this unique, triple tax-free account, but are you making the most of it? I'm sharing the top five mistakes people make with their HSA accounts. If not avoided, those mistakes can cost you serious money and limit your financial options later in life. I'm covering everything from choosing the right HSA provider to maximizing your investments within the account, tracking expenses, and even...
2025-05-0618 minRetire With RyanSix Dave Ramsey Tips That Could Hurt Your Retirement PlanRadio personality Dave Ramsey is a huge name in the personal finance niche. While he's celebrated for helping countless listeners take control of their finances, many of his recommendations have sparked debate within the financial planning community. I'm going to break down six of the most controversial opinions promoted by Ramsey, including advice on retirement withdrawals, debt payoff strategies, Roth accounts, investing approaches, mortgages, and the use of credit cards. I will also weigh up the pros and cons of Ramsey's methods, highlighting where they might help and where they might hinder your journey towards a successful...
2025-04-2921 minRetire With RyanSocial Security Survivor and Spousal Benefits DemystifiedWelcome to a special milestone episode of Retire with Ryan! In this 250th episode, we're digging into one of the most frequently asked topics by listeners: Social Security. I answer four real-life listener questions about Social Security benefits - covering issues such as survivor benefits after divorce, spousal and ex-spousal benefit eligibility, changes to the Windfall Elimination Provision and Government Pension Offset, and rules for collecting benefits based on a former spouse's record. I'm breaking down complex Social Security rules in an easy-to-understand way and sharing practical advice for retirees and those planning their dream retirement. ...
2025-04-2318 minRetire With RyanSix Tactical Moves for Navigating Down MarketsThis time, we're featuring financial insights from co-host Ryan Morrissey, who's here to help you navigate this turbulent financial landscape. We'll explore the recent volatility sparked by President Trump's tariff announcements and discuss the remarkable market rebound that followed. Ryan also lays out six strategic moves you can make to optimize your investment strategy during these downturns, whether it's buying the dip, rebalancing your portfolio, or taking advantage of tax efficiencies. Stay tuned for valuable tactics and practical advice to bolster your financial well-being and prepare for a successful retirement. Let's get started with Retire with Ryan!
2025-04-1517 minRetire With Ryan4 Strategies to Avoid Tax Tsunami When Working Beyond 73 Years OldAs you get closer to the age of 73, it's more and more important to understand the financial strategies you can use to avoid a "tax tsunami" or "tax bomb." In this episode, I break down the basics of RMDs, explaining how they are calculated and the importance of planning ahead. You'll want to make a note of these four key strategies to reduce your RMDs and ensure a smoother financial journey as you transition into retirement. From starting withdrawals before the age threshold to considering Roth conversions and qualified charitable distributions, we share practical insights t...
2025-04-0821 minRetire With RyanCan Elon Musk and Doge Take Away My Social Security Benefit?In this episode, I address listener concerns about the future of Social Security, especially given recent changes under President Trump's administration and the involvement of the Department of Government Efficiency (Doge). I'll dive into the current state of Social Security, the potential impact on your benefits, and how you can maximize those benefits moving forward. With solvency concerns looming, I'll help you better understand what's at stake and how to make smart decisions for your retirement. You will want to hear this episode if you are interested in... (0:00) Can Elon Musk and Doge Take A...
2025-04-0112 minRetire With RyanFBI Warning On Suspicious Text MessagesIn this episode of Retire with Ryan, I'm talking about the growing threat of smishing, a type of phishing scam where fraudulent text messages try to trick you into revealing personal information like your social security number, bank account details, or credit card information. I'll explain how these scams are targeting individuals like you and share some important tips on how to protect your phone and investment accounts from being compromised. It's crucial to stay informed and secure, and I'm here to help you navigate these risks. You will want to hear this episode if you are i...
2025-03-2514 minRetire With Ryan4 Ways To Get More Money Into Your 401K PlanMaximizing your retirement plan contributions is one of the most powerful ways I can help you secure your financial future. As we near the end of the first quarter of 2025, it's the perfect time to review your contributions. In this episode, I break down how you can ensure you're contributing the maximum allowable amount and why it's essential to do so. I explain how to calculate your contribution limits based on your salary and pay frequency, so you can easily determine how much you should be setting aside per pay period. If you haven't adjusted y...
2025-03-1818 minRetire With RyanHow Can I Protect My Portfolio From What's Happening in Washington?What's the best way to protect your retirement savings when the market feels unpredictable? In today's episode of Retire with Ryan, I cover the growing uncertainty caused by political decisions and how they affect your investments. From tariffs to immigration changes and government cutbacks, I'll share insights on how to navigate this volatility and keep your portfolio secure. Whether you're nearing retirement or already there, this episode will provide actionable steps to ensure your investments remain on track despite external economic pressures. You will want to hear this episode if you are interested in... (0:56) Ma...
2025-03-1117 min
The Rebooting ShowAdam Ryan on why newsletters are a channel, not a business modelAdam Ryan, CEO of Workweek, joined me this week to discuss his recent warning that the newsletter sector is overheated. Some points from the conversation:Newsletters are a commodity. The number of newsletters is growing faster than the number of readers. AI tools and cheap platforms like Beehiv have made launching one easy, but most newsletters lack true audience affinity.The inbox is not really a direct connection. It’s a platform like any other, subject to change. Apple’s Mail Privacy Protection has broken open rates, AI tools like Superhuman summarize newsletters without opening them, and inboxes are...
2025-03-1053 minRetire With RyanWhen Can I Expect An Increase In My Social Benefit Increase Due To The Fairness Act?In this episode, I dive into the latest developments with the Social Security Fairness Act and what these changes mean for retirees who were previously ineligible for Social Security benefits. With potential increases in payments and retroactive benefits, this episode is packed with critical insights for anyone impacted by the new law. I break down real-world examples to show exactly how these changes will affect individuals—particularly teachers, former public employees, and those with pensions exempt from Social Security. Whether you're waiting for retroactive benefits or trying to understand the tax implications, I've got you covered with th...
2025-03-0419 minRetire With RyanUnderstanding Reverse Mortgages: Unlocking Home Equity for Retirement Income with Mitch CooperWhat is the best way to access equity in your home for retirement income? In this episode of Retire with Ryan, host Ryan Morrissey is joined by Mitch Cooper, a Certified Reverse Mortgage Professional with Mutual of Omaha, to explore this very question. Mitch returns to the show to share his expertise on reverse mortgages, a powerful tool that allows retirees to tap into the equity of their homes without having to sell. Whether you're considering this option for supplemental income or simply want to understand how it works compared to other alternatives like home equity loans, t...
2025-02-2536 minRetire With RyanNavigating the 1031 Exchange with Eric Brecher, #241In this episode of Retire with Ryan, we're diving into the ins and outs of 1031 Exchanges with expert Eric Brecher. As Executive Vice President at the Chicago Deferred Exchange Company, Eric brings years of experience in navigating this complex IRS provision, which allows real estate investors to defer capital gains taxes when selling property. If you're interested in real estate investments and the potential tax advantages that come with them, this episode is a must-listen. Eric explains everything from the basics of a 1031 Exchange to key strategies, common pitfalls, and the crucial role of a Qualified Intermediary.
2025-02-1842 minRetire With Ryan10 Penalty-Fee Withdrawal Options For Retirement PlansWhen it comes to retirement plans, the general rule is that you can't access funds in your retirement account(s), without penalty, until age 59 ½. If you withdraw funds prior to 59 ½, you'll get hit with a 10% penalty and income tax (if coming from a non-Roth account). But there are some instances in which you can make withdrawals penalty-free. We'll dive into this in this episode of Retire with Ryan. You will want to hear this episode if you are interested in... [0:55] Why you should hire a fee-only financial advisor [2:32] When can you access retirement accounts? [3:20] Way #1: Pay for u...
2025-02-1115 minRetire With RyanAI Stocks, Interest Rates, and Market Trends with Michael CollinsWill AI stocks like NVIDIA continue their meteoric rise, or are we heading toward a market correction? What do recent Federal Reserve decisions mean for your investments and mortgage rates? And is it time to reconsider small-cap stocks? In this episode, I sit down with Michael Collins, CEO of WinCap Financial, to tackle the biggest financial trends of 2025. We discuss the future of AI-driven investing, the Federal Reserve's impact on interest rates, and whether large-cap stocks will remain dominant. This episode is a must-listen! You will want to hear this episode if you are interested i...
2025-02-0428 minRetire With RyanGetting Emergency Money From Your 401k, #238In an ideal world, everyone should aim to keep 3–6 months of living expenses in an emergency fund. But let's face it—building that kind of safety net isn't always easy. For many pre-retirees, most savings are tied up in retirement accounts, leaving limited options for unexpected expenses. So, what can you do if an emergency arises? In today's episode, I'll walk you through how to access emergency funds from your 401(k) and explore strategies to help you stay prepared for life's unexpected challenges. You will want to hear this episode if you are interested in......
2025-01-2808 minRetire With RyanHealth Insurance Options If You Retire Before Age 65If you retire early (before 65), you're too young to qualify for Medicare. So what are your health insurance options? In this episode of Retire with Ryan, I'll address five different options you have to get health insurance. I'll also share some ways you can lower the cost of your premiums to keep coverage affordable until you qualify for Medicare. You will want to hear this episode if you are interested in... [1:01] Health insurance options if you retire early [3:03] Option #1: Don't get health insurance [4:11] Option #2: See if you qualify for Medicaid [5:38] Option #3: Get on COBRA [7:46] Option #4: Investigate in...
2025-01-2116 min
Tradecraft PodcastEPISODE 241 RYAN SOOKThe madly talented Ryan Sook returns to the podcast to talk about his new limited series, BLACK CANARY, with Tom King, for DC Comics. We shop nearly the entire episode, and trade some of the highs and lows of our careers.* Instagram https://www.instagram.com/rsookart/* Felix Art https://www.felixcomicart.com/artistgalleryroom.asp?artistid=600 Past guest, Andrew Robinson (episode 159) and his family lost their home in the Eaton fire that devastated Altadena, CA. While he and his family are safe, Andrew lost his studio and artwork in...
2025-01-141h 45Retire With RyanHow the Social Security Fairness Act Could Impact Your Retirement IncomePresident Biden recently signed the Social Security Fairness Act into law, bringing significant changes to Social Security benefits for millions of public school teachers and former public employees. This new legislation eliminates provisions that previously reduced or limited their benefits. In this episode, I'll break down how the bill works, who it impacts, what it means for you, and what steps you need to take to claim any additional benefits you may be eligible for. You will want to hear this episode if you are interested in... [0:45] Social Security Fairness Act [1:24] Download my new...
2025-01-1415 minRetire With Ryan2025 Stock Market PredictionsHappy New Year! As we step into 2025, it's time to reflect on the lessons of the past year and anticipate what's ahead. In this episode, I take a deep dive into my 2024 market predictions—where I was right, where I went wrong, and the key takeaways to help guide your investment decisions moving forward. The S&P 500 delivered a remarkable 23.8% return, Bitcoin soared by 121%, and interest rates shifted more than expected. How did these compare to my forecasts? I'll share the details and insights that shaped last year's performance. Then, we'll turn our focus to 2025, where I ou...
2025-01-0719 minRetire With RyanDissecting the Keys to Successful Investing with Larry SwedroeIn this episode, I'm joined by Larry Swedroe, a thought leader in evidence-based investing and former Chief Research Officer at Buckingham Strategic Wealth. Larry has authored over 18 books that have shaped the way people think about personal finance, and now, after 28 years in the industry, he's sharing the most valuable lessons he's learned in retirement planning and investing. In this episode, we dive into his latest book, Enrich Your Future: Keys to Successful Investing. Through 40 captivating stories, Larry exposes the myths and misconceptions that many investors hold, often perpetuated by Wall Street, and replaces them w...
2024-12-3145 minRetire With RyanHow Rich Were The McCallisters In Home Alone?Happy Holidays and welcome to a special Christmas Eve episode of Retire with Ryan! To celebrate the season, I'm embracing the holiday spirit with a financial twist on the iconic Christmas movie, Home Alone. This 1990 classic has become a Christmas staple, featuring young Kevin McCallister, who's accidentally left behind while his family flies to Paris for Christmas vacation. Armed with creativity and courage, Kevin outsmarts two bumbling burglars with a series of clever traps before his family returns home. But today, I'm looking at Home Alone through a different lens. As your financial advisor, I'll brea...
2024-12-2422 minRetire With RyanWhen an Annuity Makes Sense: A Real-Life Example with Andy PankoHow can an annuity help you secure income in retirement? Annuities often come with a reputation for being complicated, expensive, and overhyped—but they aren't one-size-fits-all. The truth is, while they're not the best solution for everyone, there are situations where they can provide the guaranteed monthly income some retirees need. In this episode, I'm joined by Andy Panko, CFP®, RICP®, EA, and President of Tenon Financial. Together, we'll cut through the confusion and explore when an annuity might actually be the right fit for your retirement strategy. You will want to hear this episode if yo...
2024-12-1727 minRetire With RyanAre Donor-Advised Funds A Smart Tax Move?Last year, Americans donated $558 million to charities. 69% of those donations come from individuals. They also donated 4.1 billion hours to charities. If you are someone making a donation to a charity, you need to know how they can help you reduce your taxes. One way to do that is through a donor-advised fund. What is a donor-advised fund? How does it work? Should you consider using one for charitable giving? I'll cover the details in this episode. You will want to hear this episode if you are interested in... [1:39] Sign up for my news...
2024-12-1016 minRetire With Ryan11 Potential Tax Changes Under A Trump White HouseWhat could a Trump White House and Republican-controlled Congress mean for your finances? In this episode, we break down the potential tax changes—from individual tax brackets to business deductions and state taxes—that could impact your bottom line. Tune in to understand the areas with low, moderate, and high potential for change and what steps you should consider if you live in a high-tax state. You will want to hear this episode if you are interested in... [1:19] Sign up for my weekly newsletter [2:28] Area of low potential for changes [4:25] Area of moderate potential for changes [10:05] Area of...
2024-12-0316 minRetire With RyanMistakes To Avoid During Medicare Open Enrollment with Danielle Roberts, #229How does Medicare Open Enrollment work? Do you need a supplement plan? How do you choose between a Medigap or Medicare Advantage plan? Navigating these questions can be overwhelming. That's why Danielle Roberts—co-founder of Boomer Benefits and the author of "10 Costly Medicare Mistakes You Can't Afford to Make"—joins me in this episode to help you avoid common pitfalls during Medicare Open Enrollment. You will want to hear this episode if you are interested in... [1:42] How Medicare open enrollment works [3:45] Do you need a supplemental plan? [5:13] How CMS changes impact plans [9:37] Comparing Medigap vs Medi...
2024-11-2629 minRetire With Ryan2025 Medicare IRMAA Surcharge UpdatesOn November 8th, 2024, Medicare announced that in 2025, Medicare Part B will cost $185 per month per person—an increase of about $10.30 from 2024. Keep in mind, if your income is above a certain point, you'll have to pay an "Income-Related Monthly Adjusted Amount," or "IRMAA" tax. Is there a way to avoid paying the IRMAA surcharge? I share some strategies in this episode of Retire with Ryan. You will want to hear this episode if you are interested in... [1:25] How to get a FREE copy of "10 Costly Medicare Mistakes" [2:20] The cost of Medicare Parts A, B, and D in...
2024-11-1914 minRetire With Ryan5 Overlooked Tax Benefits of 529 PlansIn this episode, we're diving into the often-overlooked tax benefits of 529 plans. Most people know that 529 plans can help cover college expenses, but there are other valuable perks beyond just tuition savings. From paying down student loans to making the most of tax deferral advantages, this episode breaks down five key tax benefits you may not be aware of. Let me help you maximize the potential of your 529 plan. You will want to hear this episode if you are interested in... [1:39] What are 529 plans? [3:04] Repaying student loans [4:14] Covering K-12 expenses [5:20] Tax deferral [8:10] Roth conversion [12:40] Pote...
2024-11-1216 minRetire With RyanDo Small-Cap Stocks Offer Greater Growth Potential Than Large-Cap Stocks?The S&P 500 is having another stellar year, yet small-cap stocks—representing the smallest publicly traded companies in the United States—haven't performed as well. While this might seem like a downside, it can also present unique opportunities for investors. In this episode, we'll dive into the pros and cons of investing in small-cap stocks, the potential growth they offer, and how you can get started. You will want to hear this episode if you are interested in... [0:51] Should you consider investing in small-caps? [1:59] What are small-cap stocks? [3:28] Pros and cons of small-cap stocks [5:00] The growth potent...
2024-11-0513 minRetire With RyanWill the Outcome of the Presidential Election Impact the Stock Market?The 2024 election is just days away, and soon you'll have your final chance to cast your vote. With so much at stake, many are anxious about how the markets might respond based on who takes the White House. In this episode of Retire with Ryan, I'll dive into what we could expect from a Trump or Harris presidency—and explain why, no matter the outcome, it shouldn't drastically change your investment strategy. You will want to hear this episode if you are interested in... [2:37] The state of the Presidential election [6:00] How the stock market is impacted [6:50] How...
2024-10-2915 minRetire With Ryan7 Ways to Keep Your Estate from Landing in ProbateIn some states, probate is avoidable. However, in many states, you can avoid having your estate go through the probate process. I recently went through the probate process when my grandfather passed away and I helped my father settle his estate. It is far easier for your family to settle your estate once you're gone if it doesn't go through probate. So, in this episode, I'll cover 7 things you can do to keep your estate from landing in probate. You will want to hear this episode if you are interested in... [1:57] Settling my grandfather's estate [4:06] Tip #1: Giv...
2024-10-2218 minRetire With Ryan7 Steps To Protect Your Schwab Accounts From HackersProtecting your finances from hackers is more critical than ever. Cybercriminals are getting more sophisticated, accessing sensitive information like social security numbers and attempting to steal directly from financial accounts. I recently experienced this firsthand when someone impersonated one of my clients. The fraudster knew my client's social security number and tried to withdraw funds under the guise of an emergency. Fortunately, we were suspicious and confirmed the scam before any money was lost. This encounter highlights the importance of being proactive about securing your accounts. That's why, in this episode, I'll share seven essential s...
2024-10-1516 minRetire With RyanCan I Do A Roth Conversion Before Age 59 ½? #222Age 59 ½ is the magic age at which you can start taking distributions from retirement accounts without a penalty. This listener is wondering if he can convert part of his IRA to a Roth IRA even though he's not 59 ½. And if he goes ahead with the conversion, will it be subject to the 10% penalty? Listen to this episode to find out. You will want to hear this episode if you are interested in... [1:09] Attend a Retirement Readiness Review Workshop [2:26] The basics of a Roth IRA/Roth conversion [5:18] The first way you can do a Roth conversion [8:20] How to d...
2024-10-0813 minRetire With Ryan7 Year-End Tax Moves For Pre-Retirees, #221It can be overwhelming to think about what you can do to minimize your tax burden. That's why, in last week's episode, we covered 7 year-end tax moves for retirees. This week, we'll tackle what those nearing retirement need to dive into at the end of every calendar year. We all need to be mindful of how our decisions impact our tax burden and this is a great place to start! You will want to hear this episode if you are interested in... [1:16] Tip #1: Maximum your contributions to your retirement plans [4:05] Tip #2: Consider a Mega Backdoor Roth IRA...
2024-10-0119 minRetire With Ryan7 Year-End Tax Moves For RetireesTax planning—and anything related to taxes, in general—isn't most people's favorite topic. But because we're getting toward the end of the year, it's actually a great time to think about tax planning and all of its benefits. In this episode of Retire with Ryan, I'll share 7 things you should think about that can (and will) help save you money in retirement. You will want to hear this episode if you are interested in... [1:17] Check out my course: Retirement Readiness Review [2:14] Tip #1: Look at your Social Security taxes [3:57] Tip #2: Watch your income once you go on Me...
2024-09-2417 minRetire With RyanHow To Get More Retirement Income Using Retirement Guardrails with Matthew JarvisYou've likely spent your entire lifetime saving for retirement. How do you make sure the money lasts as long as you do? How do you make sure you enjoy your retirement? It's a balancing act for which there may be a solution. Matthew Jarvis is a Financial Advisor who runs Jarvis Financial, located in Seattle, WA. He's also the host of the podcast "The Perfect RA" and the author of the book "Delivering Massive Value." In this episode of Retire with Ryan, Matthew discusses the concept of retirement guardrails, how they work, and who they're fo...
2024-09-1727 minRetire With RyanHow Much Do I Need To Retire? #218How much money do you need to save for retirement? $500,000? $2 million? The answer will never be the same. It's specific to you. So how do you figure it out? In this episode of Retire with Ryan, I'll share five steps you can follow to determine how much you need to retire. You will want to hear this episode if you are interested in... [1:25] Step #1: Calculate your budget for retirement [4:11] Step #2: Calculate what you'll receive from Social Security [5:10] Step #3: Are you eligible for a pension? [5:40] Step #4: Will you have any other income sources? [6:27] Step #5: Look at your in...
2024-09-1012 minRetire With RyanWill Social Security Become Tax-Free?Could Social Security become tax-free? As the political scene heats up leading up to the 2024 Presidential Elections, and both candidates make their case for election, the topic of taxation has come up. Former President Trump has promised that Social Security won't be taxed if he's elected. What could that mean for you? How is it currently taxed? I cover the details in this episode of Retire with Ryan. You will want to hear this episode if you are interested in... [1:35] How to get a copy of my new book! [2:20] The potential impact of Social Sec...
2024-09-0313 minRetire With RyanHow Parents Can Best Manage Student Loans with Erik KrollDid you take out a parent PLUS loan or private loan to help your kids pay for college? Are you still struggling to pay off those loans? According to StudentAid.gov, over 9 million people over 50 have student loan debt. Of those, over 1 million have loan balances north of $100,000. If you're nearing retirement, the last thing you want on your plate is student debt. In this episode of Retire with Ryan, Erik Kroll shares the best way to manage student loan repayment. You will want to hear this episode if you are interested in......
2024-08-2728 minRetire With RyanBreaking Down The IRS's New Finalized Regulations On Inherited Retirement AccountsIf you've inherited an IRA from someone who wasn't your spouse since 2020, you can't miss this episode. Why? The IRS has finally cleared up a lot of questions that had been left unanswered about inherited IRAs from a non-spouse. Though I've covered the topic in previous episodes, I wanted to break down the regulation further in this episode. You will want to hear this episode if you are interested in... [1:57] The SECURE Act's impact on inherited IRAs [4:21] The new IRS regulations [6:30] Eligible designated beneficiaries [7:52] Non-eligible designated beneficiaries [11:07] Do some tax projections [12:34] Satisfying distribution requirements Resources Me...
2024-08-2015 minRetire With RyanNew NAR Rules Governing Real Estate Sellers and Buyers With Raquel FernandezIn March, The National Association of REALTORS® (NAR) settled an antitrust lawsuit. The lawsuit alleged that NAR didn't allow sellers to negotiate what they could pay buyer's agents. The changes outlined in the settlement will impact "business as usual." As of August 17th, 2024, the way home-buying and selling transactions happen will change. Raquel Fernandez—a realtor with over 20 years of experience—joins me to share what the changes look like for buyers, sellers, and their brokers. Anyone who owns a home—or is looking to buy one—needs to know this information. You will want to hear this...
2024-08-1332 minRetire With RyanFinancial Steps To Take After A DivorceWhat steps should you take to get your financial life in order after a divorce? In this episode of Retire with Ryan I lay out, step-by-step, the checklist of things you'll want to look over, everything from calculating your net worth to designating beneficiaries. There's a lot to consider. My aim is to simplify the process so that you can focus on what really matters—rebuilding your life. You will want to hear this episode if you are interested in... [0:45] Recap of the last two episodes [1:15] Organize your net worth and budget [4:27] Review insurance coverage [6:28] Review ove...
2024-08-0616 minRetire With RyanFinancial Steps To Take During Divorce With Renée BauerIn episode #211, we talked about the information you need to gather to prepare to file for divorce and the initial proceedings. But what financial steps do you need to take during a divorce? How do you figure out what life will look like on the other side? How does splitting your assets actually work? Renée C. Bauer—an experienced family law attorney and mediator—joins me in this conversation to help flesh out the details. Renée has been practicing law since 2003. She's also the author of two books, "Divorce in Connecticut," and "She Who Wins" and the h...
2024-07-3032 minRetire With RyanFinancial Steps To Take Before DivorceWe've all heard the statistics that almost half of all marriages end in divorce. And divorce comes at a large cost. That's why you should come up with a plan for life after divorce. Look at your net worth, put together a budget, and make projections for your future. Let's get you prepared as you can be. To do that, I'm launching a three-part series on navigating the financial considerations when going through a divorce. No one wants to plan for the demise of their marriage. I get it. But if you know you're about to go...
2024-07-2313 minRetire With Ryan4 Ways To Get More Money Into Tax-Free Roth AccountsWhy would you want to make a Roth contribution? If you believe tax rates will be higher in the future, it could benefit you. How? The contributions grow tax-deferred. When you withdraw the money, it's tax-free. A tax-free income can be very beneficial in retirement. In 2024, you can contribute $7,000 to a Roth IRA. If you're over 50, you can contribute $8,000. However, there are income limits for the contributions. Individuals who make over $161,000 can't contribute. Thanks to the 2017 tax cut, there are some additional ways you can contribute to a Roth IRA. I cover four ways you...
2024-07-1618 minRetire With RyanHow To Earn More In Your Health Savings AccountOne of my favorite ways to save for retirement is through a Health Savings Account (HSA). Too many people overlook a health savings account as a great way to save for retirement and healthcare costs. So how do you get the most bang for your buck out of your HSA? I share some simple strategies that very few people employ in this episode. Disclaimer: I don't work for Fidelity and they do not compensate me for my reviews. I simply believe it's a great option for my clients. You will want to hear this episode if...
2024-07-0916 minRetire With RyanIs Social Security Going Broke?Will your benefits be there when you need them the most? If so, should you collect your benefits as soon as possible? This is something I'm frequently asked, so much so that I decided it was time to address it. So in this episode of Retire with Ryan, I'll cover how Social Security works, how long Social Security will remain solvent, and whether or not you should collect early. > You will want to hear this episode if you are interested in... [1:52] How does social security work? [4:23] Social Security solvency report [6:10] What are the options? [10:24] Are there...
2024-07-0215 minRetire With RyanTop Tax Mistakes to Avoid with Steven Jarvis, #207What are some of the biggest tax mistakes you should be avoiding when you file taxes? CPA Steven Jarvis has worked on thousands of tax returns. He focuses on helping people who have a long-term focus. He wants to make sure his clients only pay every dollar they owe and nothing more. It's not about getting a big tax return. It's about looking at the long-term picture and being proactive. We dig in and dissect the top tax mistakes you need to avoid in this conversation. You will want to hear this episode if you are interested in... [3:02...
2024-06-2528 minRetire With RyanUnderstanding Current Trends in ETFs with Matthew Bartolini, CFA, CAIA, #206What are the current trends with ETFs? What's happening in the fixed-income market? How can investors tackle current challenges? Matthew Bartolini, CFA, CAIA—the head of ETF Research at State Street Global Advisors—joins me to dissect the ETF market and how investors can handle volatility. Matthew believes the ETF market will only continue to grow and create opportunities for long-term wealth. He shares how to navigate the factors that impact the market—including Federal Reserve policy, elections, and general trends—in this episode of Retire with Ryan. You will want to hear this episode if you are...
2024-06-1824 minRetire With RyanHow to Evaluate if Your Financial Advisor Is Delivering ValueHow do you know if your financial advisor is delivering value? Is seeing a financial gain in your investments the only metric you should use? I've identified four key areas where your financial advisor should be delivering value to you: Awareness of costs and fees, performance of your portfolio, financial planning benefits, and communication. I'll cover each of these areas in detail in this episode. I've also included a checklist you can use to make sure your current financial advisor is delivering value. This is Part 5 of a five-part series about financial planners to celebrate th...
2024-06-1222 minRetire With RyanWhat To Expect Once I've Hired A Fee-Only Financial Advisor (Part 4)What should you expect once you've hired a fee-only financial advisor? Fee-only financial advisors typically offer financial planning, investment management, or a combination of both. In this episode, I'll cover what each process will be like because what you're hiring your financial advisor to do will determine how your experience will be (and what the relationship will look like). This is Part 4 of a five-part series about financial planners to celebrate the release of my first book, "Fiduciary: How to Find, Hire, and Establish a Trusted Partnership with a Fee-Only Advisor." You will wan...
2024-06-0528 minRetire With RyanHow To Find and Hire a Fee Only Financial Advisor (Part 3)How do you find a fee-only financial advisor who's the right fit for you? I've outlined a detailed process that you can use to not create a list, research your list, and interview and hire the perfect fit for you. I'll cover it all in this episode. This is Part 3 of a five-part series about financial planners to celebrate the release of my first book, "Fiduciary: How to Find, Hire, and Establish a Trusted Partnership with a Fee-Only Advisor." You will want to hear this episode if you are interested in... [1:00] What we covered in last...
2024-05-2924 minRetire With RyanThe 3 Types of Financial Advisors (Part 2)What are the three different types of financial advisors? Why do I believe a fee-only financial advisor is the best? If you're considering hiring a financial advisor for the first time—or questioning if your current advisor has your best interests at heart—don't miss this one. It's part 2 of my series in which I'm covering some of the topics in my upcoming book, "Fiduciary: How to Find, Hire, and Establish a Trusted Partnership with a Fee-Only Advisor." The goal is to help my listeners find a financial advisor that they can trust You will want to h...
2024-05-2219 minRetire With RyanFinancial Advisors: What Do They Do and Why Hire One (Part 1)I've spent the last 18 months writing the first book, "Fiduciary: How to Find, Hire, and Establish a Trusted Partnership with a Fee-Only Advisor," which will officially be published on May 28th. I wrote this book to help everyone find a financial advisor who will put their interests first. Why? I see too many bad financial advisors harming their clients. With that in mind, I'm going to kick off a series of episodes on financial advisors that will run over the next five weeks. I'll cover the different types of financial advisors and what they do. I'll share...
2024-05-1519 minRetire With RyanIRS Update For Inherited IRAs and Roth IRAsHave you inherited an IRA from a non-spouse who passed away after 1/1/2020? Beneficiaries of pre-tax retirement accounts have always had to pay taxes on what they inherit. However, on 1/1/2020, the SECURE Act was passed, changing the annual amount that beneficiaries would have to withdraw. Beforehand, non-spousal beneficiaries could: Cash out the account in one lump sum and pay taxes on that amount Take the account out over five years and pay taxes on it Take distributions the year after the account owner passed away and take withdrawals over their lifetime (a stretch IRA) Most non-spousal beneficiaries must...
2024-05-0816 minRetire With Ryan5 Things To Know About Divorce and Social Security, #199If you are divorced and approaching 62, you may qualify for social security benefits based on your ex-spouse's earning record. But who qualifies? When can you collect it? How much can you collect? Does your ex-spouse find out? I'll answer the things you need to know in this episode of Retire with Ryan. You will want to hear this episode if you are interested in... [1:11] Sign up for Retirement Readiness Review [1:46] Divorce and social security [3:12] What makes you eligible for the benefit? [6:28] Other things you need to know [8:06] How much can you receive? [11:49] What if your ex-spouse is deceased? [13:51...
2024-05-0118 minRetire With RyanBusting 10 Medicare MythsMedicare is confusing and complicated. Most people nearing retirement age have likely heard numerous mistruths regarding when to get it, what it does for you, and so much more. That's why I'm busting the 10 most commonly perpetrated Medicare myths so you'll know how to discern fact from fiction—and put your mind at ease. You will want to hear this episode if you are interested in... [0:53] Sign up for my online course: Retirement Readiness Review [1:21] Myth #1: You have to enroll in Medicare when you turn 65 [2:57] Myth #2: You're automatically enrolled in Medicare when you turn 65 [3:55] Myth #3: Medicare will tell yo...
2024-04-2414 minRetire With Ryan7 Tips To Protect Yourself From IRS ScammersHow can you protect your data and personal information from IRS scammers and criminals? Everyone is afraid of being audited by the IRS. Maybe you're scared you may have filed your taxes incorrectly. Criminals take advantage of that fear to perpetuate their scams. But there are some simple things you can do to avoid falling victim to these scams. I'll share 7 tips you can use to protect yourself from IRS scammers in this episode! You will want to hear this episode if you are interested in... [1:15] Sign up for the Retirement Readiness Review! [2:42] Tip #1: The IRS only reaches...
2024-04-1712 minRetire With Ryan9 Ideas For Investing Your Tax RefundDo you usually get a tax refund? What do you typically do with your tax refund? Do you have it earmarked for a specific purpose? As we're inching closer to the tax filing deadline, I thought it would be interesting to share some ways you can wisely invest your tax refund. I'll cover 9 ideas you can consider to make good use of your money. You will want to hear this episode if you are interested in... [1:42] Why are you getting a tax refund? [2:36] Idea #1: Save it for next year's taxes [3:03] Idea #2: Increase your savings [4:05] Idea #3: Pay down high-interest...
2024-04-1011 minRetire With RyanSave Taxes On Your 401K Through Net Unrealized Appreciation (NUA)Do you own stock in the company that you work for in your 401K? Net unrealized appreciation could potentially save you a significant amount of money on your taxes when you start making withdrawals. I'll share how to take advantage of the process as well as mistakes to avoid making in this episode of Retire with Ryan. You will want to hear this episode if you are interested in... [1:00] Sign up for my Retirement Readiness Review! [1:26] What is net unrealized appreciation? [3:31] How net unrealized appreciation works [5:05] How to process the distribution [7:41] Where people run into problems [10:09] Ne...
2024-04-0313 min
Tradecraft PodcastEPISODE 219 - RYAN CODYRyan Cody joins me to talk about his comic convention, AZ CAF happening on March, 9th, in Phoenix—and the business of comics. We have a lively talk about freelance career challenges, our love for the medium, and how important relationships with fellow creators are.* Linktree linktr.ee/ryancody* AZ CAF Convention Website https://azcomicartfest.com/* Website https://super75studios.com TRADECRAFT is a reader & listener-supported publication & podcast. Please consider becoming a free subscriber to receive new posts and ep...
2024-02-201h 30
Eyes Wide OpenRedundancy & How To Cope - With Conflict Management & Mediation expert Sharon Morrissey - Eyes Wide Open -Episode 11Conflict Management & Mediation expert Sharon Morrissey on coping with redundancy, handling the initial impact, trauma, navigating the process and rebuilding when all may initially appear lost. Hints and Tips for handling the redundancy journey.#mentalhealth #redundancy #corporateamerica #techlayoffs #trauma #copingwithanxiety #selfesteem #family Hosted on Acast. See acast.com/privacy for more information.
2023-04-1449 min
The Rebooting ShowWorkweek's Adam Ryan on why B2B shouldn't be boringAdam Ryan, former president of The Hustle and cofounder of Workweek, wants to rethink the B2B model. Workweek is banking on finding individuals – creators, if you will – to build audiences around. The bet is that individuals, particularly but not exclusively those who are practitioners in the field, can build deeper connections with audiences while benefiting from the infrastructure, services and halo effect of a parent media brand. Some highlights from our discussion:Don’t raise too much money. Adam spent part of his career at Spiceworks, a professional network for IT professionals. The company identified an unders...
2022-07-191h 00
PerpetualS2 EP1: How to Write Media Newsletters With Brian Morrissey, The RebootingBrian Morrissey is exactly the guest you’d want as a season opener, with the kind of media knowledge you’d pay to hear.As a reporter he didn’t take much notice of the kind of people who wrote emails and sold ads, until he became the kind of person who wrote emails and sold ads.Now editor and founder of The Rebooting, a weekly newsletter on how media operators can build sustainable businesses, Brian brings his immense knowledge of the industry, while also operating within it.Adam and Brian get into how to...
2022-05-1058 min
An Offer You Can't Refuse: the History of Organized Crime in the United StatesJohn "Old Smoke" Morrissey: America's First Mob BossIn the fourth episode of "An Offer You Can't Refuse," Pettengill explores the role John Morrissey played in the establishment of a criminal syndicate in New York City in the Gilded Age. Working closely with ward bosses, such as the infamous William "Boss" Tweed, Morrissey became an integral part of the Tammany Hall machine. Morrissey, a former bare-knuckle prize fighter, demonstrated a talent for turning out voters on election day. For his troubles, Morrissey was rewarded with political leeway to operate his "businesses" without fear of interference from city officials. Moreover, he was also able to offer protection for other...
2021-08-1653 min
Quarantine Football with Nate n RyanNFL Draft Prospects Jimmy Morrissey and Brenden KnoxToday’s Episode features NFL Draft Prospects Jimmy Morrissey and Brenden Knox! Jimmy was an OG for PItt, playing mainly Center, while Brenden was a RB for Marshall! Both players had absolutely stellar careers and are both bound to prove themselves in the league!
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2021-04-0744 min
The Healing ClubPride and Prejudice with Zach Eaton and Ryan McGheeZac and Bob have a clear conversation with well defined moments of humor and pathos, honesty and fun. Then Bob does a weird reading or something. Too many feelings. There are too many feelings. Ryan McGhee joins Bob to talk about suicide and depression and comedy in Houston. The comedy scene in Houston is really good.
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2020-12-271h 04