Shows
WealthMap Radio(Asset) Location, Location, Location!More important than your asset allocation is your asset location. There are only 3 columns (categories) of financial vehicles:
Taxable
Tax-deferred
Tax-free
Before deciding what your allocation should be, you must decide where you want your assets to live. There is a perfect balance for each saver. In this episode, we dive into the advantages and disadvantages of each column, the proper uses of the assets that make up in column, and how to strategically transfer taxable and tax-deferred assets to the tax-free column.
2026-02-0700 minWealthMap Radio8 Keys to Roth ConversionsRoth conversions aren’t about avoiding taxes — they’re about deciding when, how, and at what rate you’ll pay them. Too many people focus on the micro view: “How much tax will this cost me this year?” A better question is, “How will this decision impact my entire retirement?” Strategic conversions can create decades of tax-free income, reduce or eliminate required minimum distributions, lower Medicare premiums and Social Security taxation, and provide insulation from future tax increases. Yes, there can be short-term friction — higher taxable income or temporary IRMAA surcharges — but for many households, those are time-boxed issues in exchange for long-te...
2026-01-3100 minWealthMap Radio5 High-level Social Security UpdatesIn this episode of WealthMap Radio, we dive into 5 high-level social security updates for 2026 and how they impact your social security decisions.
Through a case study, we explore how to make your social security potentially tax-free.
2026-01-2400 minWealthMap RadioModern Long-term Care PlanningBy now, many have heard of the Silver Tsunami—the wave of baby boomers who currently or will shortly need some form of long-term care. This is a reality to the vast majority of retirees—now or in the future—will face. Unfortunately, most have not planned for it—either overlooking it or not being informed on the best choices for their situation. Make no mistake: long-term care planning is part of your retirement planning, whether you actively plan for it or not. Modern advances in long-term care options have largely done away with the “use-it-or-lose-it” type of coverage that gives so man...
2026-01-1700 minWealthMap RadioFocus on the P.L.A.N.When creating a retirement strategy, remember the acronym P.L.A.N. Predictability - value predictability over potential Low-correlation - strive include strategies and asset classes that do not require the market to perform in order for you to succeed Alignment - ensure that each component of you strategy reinforces and compliments the others rather than (unknowingly) creating friction Net-income - choosing tax-free/efficient strategies in place of tax-deferred/hostile strategies can be the difference between a retirement of plenty and one of scarcity Also, follow along in our case study where we demonstrate P.L.A.N. in action...
2026-01-1000 minWealthMap RadioFamily Wealth and HarmonyWhy does 90% of wealth disappear by the 3rd generation? What causes 70% of wealth transfer from one generation to the next to fail? For those that create multi-generational wealth and maintain family harmony, what principles and practices fo they adhere to? The answer is a shocking as it is simple. In this episode, we discuss what research and high net-worth advisors all observe amongst the wealthiest and their successes and failures in maintaining the family wealth. We also lay out a blueprint anyone can follow to foster multi-generational wealth.
2025-12-2000 minWealthMap Radio5 Core Retirement Income PrinciplesHow can you create retirement income plans that are more resilient through good and tough times? In this episode, we share 5 core principles designed to help with just that. Also, a deep dive discussion on using a fixed income annuity as a potential bond replacement in the ubiquitous 60/40 stock/bond model portfolio. The results are startling and enlightening. Finally, we cap off this episode with a practical discussion on how to prepare for the “silver tsunami” of long-term care starting to hit the retirement shores.
2025-12-1300 minWealthMap RadioThe Retirement Red ZoneThe "Retirement Red Zone" describes the critical 4-5 years BEFORE and AFTER you retire. The order of your returns during that critical period are more important than your long-term average, no matter how good your average rates of return might turn out to be. In this episode, we give real world examples that demonstrate how wise management during Retirement Red Zone can be the difference-maker in whether or not your retirement is golden or nail-biting. We also tackle the Great Wealth Transfer that is underway and how to create a legacy that lasts throughout the generations.
2025-12-0600 minWealthMap Radio9 Big Retirement UpdatesMajor updates and impacts are happening in the retirement landscape. Social Security cost of living adjustments, Medicare premium increases, IRMAA surcharge increases, and new taxes. How are you affected, and how you best navigate the landmines? We also explore how create a guaranteed tax-free foundation of income throughout retirement that avoid social security taxation and IRMAA surcharges on Medicare.
2025-11-2200 minWealthMap RadioTo Convert or Not to Convert (to a Roth)As the end of the year approaches, one major question looms: Should I convert to a Roth? And, If so, how much? The One Big Beautiful Bill Act (OBBBA) affords some retirees extra deduction "headspace" for enhanced conversion opportunities. OBBBA can also allow savers to delay social security more confidently while using private assets at a lower tax cost than ever before. In this episode, we share real world examples of these scenarios.
2025-11-0800 minWealthMap RadioPortfolio Resiliency in the Retirement Red ZoneA confluence of factors must come together to create a resilient portfolio:
1. Market risk mitigation
2. Income predictability and maximization
3. Tax-efficiency
When all three come together in harmony, the result is a resilient portfolio that can withstand many of the toughest challenges retirees face.
2025-10-2500 minWealthMap RadioThe 7 Keys to Wise Financial StewardshipWhat creates wealth, and what prohibits or even destroys wealth? It is surprising to many that the answers have less to do with rate of return and how much money you make. Rather, focus, perspective, and habit are often the differences between having and maintaining wealth and not. In this episode, we explore the 7 keys to wise financial stewardship.
2025-10-1100 minWealthMap RadioTax-free Planning for Inflation ProtectionHow can we best protect our retirement from the ravaging effects of inflation? Excusing tax liabilities from our income sources could be one of the best ways to stay ahead of inflationary forces while also increasing our strategy's net Income Production Ability (IPA) and securing potentially 10 years' worth of "inflation-adjustments" all at once.
2025-10-0400 minWealthMap RadioCommon Questions, Uncommon AnswersIn today's episode, we dive into common questions:
When should I claim my social security?
What does the recent Fed rate cut mean for me?
How can I lock in higher rates on my savings for for many years to come?
How much and when should I convert to a Roth or IUL?
What does the new senior bonus deduction mean for me?
2025-09-2000 minWealthMap RadioHidden PotentialMost people have more potential in their financial picture than they might realize. Poorly positioned assets, traditional approaches, and incorrect information keep that potential bottled up. In this episode, we’ll explore how to identify and unleash your financial picture’s hidden potential.
2025-09-0600 minWealthMap RadioThe Tax-free Retirement Income PlanTax-efficient retirement strategies can be an important part of your retirement, but what about ensuring you cannot outlive your money? What if life throws you curve balls and Murphy's law takes over? This week's episode demonstrates how to create 5 streams of tax-free income and "portfolio insurance" to protect against the unforeseen.
2025-08-2300 minWealthMap Radio7 Key Social Security Updates and 7 Claiming StrategiesThis week on the WealthMap Radio, we dive into 7 critical Social Security updates, 7 unique claiming strategies, and a case study demonstrating how to potentially get your social security tax-free, reduce stress on your other retirement assets, get more enjoyment from retirement, and leave an impactful legacy.
2025-08-1600 minWealthMap RadioAdvanced Estate PlanningThis episode goes beyond the basics of wills and trusts to explore sophisticated strategies for wealth transfer. We'll examine techniques like charitable remainder trusts and dynasty trusts, explaining how they can protect assets for future generations. Tune in to learn how to minimize estate taxes and ensure your legacy is preserved according to your precise wishes.
2025-08-0900 minWealthMap RadioExploring the Engine of a Life Insurance Retirement Plan (LIRP)The index strategies within certain Life Insurance Retirement Plans (LIRPs) can provide significant risk-adjusted tax-free returns. In this episode, we'll explore how these "engines" work, how they can help mitigate risk, and aid in the health of a retirement portfolio. Also, we will dive into comparing a typical 60/40 portfolio to a guaranteed lifetime income "private pension" annuity.
2025-08-0200 minWealthMap RadioTax Diversification and The Tax ColumnsAll financial vehicles fall into 1 of 3 categories/columns: Taxable, Tax-deferred (Tax-procrastination), or Tax-free. Asset LOCATION is far more important that asset ALLOCATION. What is the right balance for you between these 3 tax columns? What collateral damage could your traditional retirement accounts be causing on your total retirement landscape? How can you shift tax-hostile assets to tax-free assets?
2025-07-2600 minWealthMap RadioIs the OBBBA Really Beautiful?Like most pieces of legislation, the OBBBA has some elements that are to be celebrated, while others created new challenges. In this episode, we tackle the "permanent" extension of the TCJA, the "bonus" senior deduction, new Roth conversion opportunities, the "Trump" accounts, car loan interest deductions, and more.
2025-07-1900 minWealthMap Radio7 Essential Elements of Your Estate Plan Part 1There are essential elements to every estate plan. Large or small estate, make sure 7 elements are incorporated into your plan. Also, we'll dive into common mistakes we see families make in their estate planning.
2025-07-1200 minWealthMap RadioWealth Beyond Retirement: Planning for Generations of Financial SuccessDo you have a financial plan for your retirement? What about your legacy and family beyond retirement? In this episode we talk about how to not only plan for your financial future but your family's as well.
2025-07-0500 minWealthMap RadioWhat Is WealthMap Radio?In this episode we meet our host, Steve Eckroth and talk about the importance of financial planning, his background and the purpose of this podcast.
2025-07-0500 minWealthMap RadioThe Other Side of the Pre-tax EquationSo much attention is paid to the so-called upfront "tax savings" from investing into pre-tax accounts like 401Ks and IRAs. However, the other side of that equation is often ignored. Follow our examples in this episode as we break it all down.
2025-06-2100 minWealthMap RadioAsset Based Long-term CareThere’s a 91% chance a married couple age 65 will need long-term care. Not planning for it isn’t just lazy — it’s recklessness. Learn how it fits into a tax-free retirement plan.
2025-06-1400 minWealthMap RadioRetirement DestinationWhen people can’t see the path, they stop dreaming of the destination.” In this episode, we dive deep into the core components of a tax-free retirement road map, watching out for the pitfalls as well as opportunities most retirees fail to act on.
2025-06-0700 minWealthMap RadioSocial Security PlanningKnowing when to claim social security benefits is only part of the question. Getting your benefits tax-free, a major piece retirees often overlook, is perhaps even more important. Learn how to keep IRAs and 401Ks from causing collateral tax damage to your benefits while creating multiple streams of tax-free income.
2025-05-3100 min
Mondo JazzCatherine Russell, Wobjie, Steven Bernstein, Umberto Petrin & More New ReleasesGood vibes, genre-bending projects, charismatic singers and creative use of electronics are the defining features of this set of recent and upcoming albums.The playlist features Steven Bernstein; Catherine Russell; Youn Sun Nah; Airelle Besson; Wobjie; Thomas de Pourquery; Umberto Petrin; Michael Leonhart; Rachel Eckroth; Anais Drago; Mike Pride.Detailed playlist at https://spinitron.com/RFB/pl/15349707/Mondo-Jazz (up to "Dick for Brains").Happy listening!
2022-02-211h 05