Shows
Investor's InsightRoth Conversions Part 1: Is a Tax-Free Retirement Really Possible?Think Roth conversions are only for the ultra-wealthy? Think again. In this episode, Zach and Lyndon Taylor of Choice Wealth Partners break down what Roth conversions really are, why they matter, and how changing tax laws are reshaping retirement strategies. From tax implications to income limits and strategic timing, they explain how this tool can offer flexibility and control—if used wisely. Whether you're just starting out or sitting on a sizable IRA, this conversation lays the groundwork for smarter retirement planning.See omnystudio.com/listener for privacy information.2025-07-2908 min
Make the Most of Your Money Podcast#20 - Tax Landmines in RetirementRetirement planning requires understanding three major tax landmines that can derail your financial strategy: Required Minimum Distributions (RMDs), the widow's penalty, and beneficiary taxes.• RMDs are mandatory withdrawals from tax-deferred accounts starting at age 73 (increasing to 75 in the future)• The percentage of your account that must be withdrawn increases with age, potentially pushing you into higher tax brackets• The "widow's penalty" refers to the compressed tax brackets when filing as single rather than married filing jointly• Beneficiaries typically have 10 years to empty inherited retirement accounts, which can create significant tax burden• Roth conversions during low...2025-06-1733 min
Y-Option: College Football with Yogi RothTroy Taylor Fired. What's Next for Stanford FootballTuesday morning, Stanford football GM Andrew Luck released the following statement:"Since beginning my role as General Manager, I have been thoroughly assessing the entire Stanford football program. It has been clear that certain aspects of the program need change. Additionally, in recent days, there has been significant attention to Stanford investigations in previous years related to Coach Taylor. After continued consideration it is evident to me that our program needs a reset. In consultation with university leadership, I no longer believe that Coach Taylor is the right coach to lead our football program. Coach Taylor has...2025-03-2507 min
Wealth Minded MDSolo 401K accounts and the Mega Backdoor RothIf you have a side gig, there’s a powerful way to grow your wealth while protecting it from taxes. In this episode, we delve into the benefits and nuances of Solo 401ks and the advanced Mega Backdoor Roth IRA strategy. Discover how a Solo 401k lets you contribute as both an employee and employer, and how it can be an excellent option for self-employed professionals and those with side gigs. We also break down the distinctions between basic and 'fancy' Solo 401k plans, highlighting the significant tax advantages and contribution limits. Additionally, the discussion includes potential drawbacks, such as...2025-03-1244 min
Functional Retirement PodcastIRS Makes 401k Catch-Ups Mandatory To Roth I Ep: 46Welcome to the Functional Retirement Podcast with your host, Thatcher Taylor! In this episode, we dive deep into the world of Roth catch-up contributions and the significant changes coming in 2026 that every retiree needs to know. If you're over 50 and working for an employer with a 401(k), this episode is a must-listen!Discover how the Secure Act 2.0 is reshaping retirement planning by making Roth catch-ups mandatory for high-income earners. Thatcher breaks down the implications of these new rules, including the shift from pre-tax to Roth contributions, and what it means for...2025-02-2813 minFunctional Retirement PodcastThe IRS Doesn't Make Roth IRA Building Easy I Ep: 045In this episode of the Functional Retirement Podcast, host Thatcher Taylor, a Certified Financial Planner, dives deep into the world of Roth IRAs. He discusses the growing popularity of Roth accounts and the various methods to contribute to them, especially for those who may face income limits.Key topics include:Income Limits: Understanding the thresholds for contributing to a Roth IRA and how they can affect your ability to save.Conversions: Learn about the process of converting traditional IRA funds to a Roth IRA, including the important 5-year rule that...2025-02-2228 min
Wealth Minded MDNavigating the Backdoor Roth IRAA Backdoor Roth IRA is a powerful tool for building long-term, tax-free wealth, but navigating the process can be tricky. In this episode we break down the basics and advanced strategies of the backdoor Roth IRA—what it is, who should use it, and how to do it right. Learn how to execute the process step-by-step, address common mistakes like over-contributing, and clarify when the backdoor Roth IRA is necessary. Plus, we dive into the pro-rata rule and what it means for those with existing traditional IRAs. Tune in now to master the Backdoor Roth IRA with confidence!
2025-02-1943 min
The Front StretchHeadlines and Anthony RothThe guys discuss the new ride for Cole Vanderheiden, NASCAR's new OEM penalties and moreThen they sit down with US30 Speedway Late Model Champion Anthony Roth2025-02-1153 min
Make the Most of Your Money Podcast#10 - Savings WaterfallShould you pay off debt or save for retirement? Which accounts should come first? Colin and Taylor break down the ‘savings waterfall’—a step-by-step approach to prioritizing your savings. They walk through Colin’s savings order, discuss key exceptions like HSAs, 529s, and big purchases, and help you make the right choice for your situation.An example of Colin's waterfall:1. Employer Match2. Pay off high interest credit card debt3. Create an emergency fund4. Max out Roth or Backdoor Roth contributions5. Max out employer retirement plan6. Taxable brokerage accountThey also discuss exceptions such as HSAs, 529s, and saving for a big purc...2025-01-2830 min
Capitalize Your Fridays!Maximizing Your 529 PlanIn this episode, Mike and Taylor provide an introduction to 529 saving strategies as well as consider the new 529 to Roth Conversion Rule. 529 accounts are a savings plan used primarily for college savings, but have been expanded to be used for K-12 tuition, apprenticeships, and even career based education programs
These new changes have the potential to be beneficial to clients and listeners when navigating the best strategy for education savings and what to do with remaining 529 savings after children or grandchildren graduate.2024-11-2340 min
Behind the TickerTaylor Krystkowiak - ThemesETFsIn a recent episode of “Behind the Ticker,” Taylor Krystkowiak, co-founder of ThemesETFs, shared insights into his career and the innovative strategies behind ThemesETFs. Krystkowiak, who has worked at various firms ranging from Fortune 500 companies to boutique asset managers, brought his extensive experience in macroeconomic analysis and investment strategy to ThemesETFs. The firm, founded by Jose Gonzalez, focuses on providing thematic and fundamental investment strategies at competitive price points, offering a range of ETFs that cater to current market demands.ThemesETFs aims to differentiate itself by offering niche investment strategies at about 40% lower fees compared to the cate...2024-08-0329 min
Stay Wealthy Retirement PodcastRoth Conversions for Kids, Home Equity in Retirement, Pension vs. Lump-Sum (And More!)Are you ready to get answers to some BIG retirement questions? Questions such as: ➤ What role does the equity in my home play in my retirement plan? ➤ Why should I do Roth conversions to help mitigate taxes on my kids' inheritance? ➤ Are closed-end funds a good investment? ➤ How do I properly evaluate pension vs. lump-sum decisions? Today on the show, I’m answering these questions (and more!) with my good friend, Roger Whitney. I'm also providing an update on the Retirement Podcast Network after taking a hint fro...2024-07-3147 min
Kiwi and the Bird: Book Nerds in SessionBOOK DISCUSSION: "When Among Crows" by Veronica RothIt's time to get SPOILERY! No holes are barred in today's episode. We're getting into the nitty gritty with Veronica Roth's WHEN AMONG CROWS. Dare to listen?
Are you a book lover? We are too! Join Kiwi and the Bird as we discuss and debate YA and NA's hottest releases. This podcast is perfect for fans of Sarah J. Maas, Rebecca Yarros, Holly Black, Marissa Meyer, Leigh Bardugo, and more.
Curious about us? Keimi (the Kiwi) works at the local library and has a passion for gummy sweets, parkour, a...2024-07-2942 min
Kiwi and the Bird: Book Nerds in SessionBOOK REC: "When Among Crows" by Veronica RothOn a unique scale from 1 - 7, how much did Keimi and Taylor love WHEN AMONG CROWS by Veronica Roth? Find out in this 15 minute book recommendation! (NON SPOILER)
Are you a book lover? We are too! Join Kiwi and the Bird as we discuss and debate YA and NA's hottest releases. This podcast is perfect for fans of Sarah J. Maas, Rebecca Yarros, Holly Black, Marissa Meyer, Leigh Bardugo, and more.
Curious about us? Keimi (the Kiwi) works at the local library and has a passion for gummy sweets, p...2024-07-2921 min
Kiwi and the Bird: Book Nerds in Session5 MIN BOOK REC: "When Among Crows" by Veronica RothHURRY! We only have 300 seconds to talk about Veronica Roth's latest release, WHEN AMONG CROWS. Do you think we can fit in all of our thoughts and feelings for this adult fantasy in just 5 minutes? Listen to find out! (NON-SPOILER)
Are you a book lover? We are too! Join Kiwi and the Bird as we discuss and debate YA and NA's hottest releases. This podcast is perfect for fans of Sarah J. Maas, Rebecca Yarros, Holly Black, Marissa Meyer, Leigh Bardugo, and more.
Curious about us? Keimi (the Kiwi...2024-07-2909 min
The SolarpreneurHow To Use Aged Leads in Your Solar Business - Peter Rothhttps://zendirect.com/https://crmx.app/https://zapier.com/https://www.solarscout.app/taylorTOP 10 MOST DOWNLOADED EPISODES OF ALL TIMEhttps://www.youtube.com/@solarpreneursgoals.solarpreneurs.comoneliners.solarpreneurs.comhttps://solciety.co/ - JOIN SOLCIETY NOW!SIRO APP - LEARN MORE!
The SOLARPRENEUR podcast is here to help you close more deals in the solar industry, generate more leads and referrals, and hopefully, have a much better time and situation. 2024-07-2357 min
Be the LightLife After Loss + Large Scale Change with Spiritual Coach Rachelle TaylorIn this episode, B is joined by spiritual coach, Rachelle Taylor, to share insights on how to navigate life after loss and large-scale change. Listen as Rachelle shares her story and insights on how to find your faith, trust in the unknowns, and deepen your connection with Self to ultimately bring more peace and presence into your everyday life. If you're moving through a period of change, loss, or growth on your path - this one's for you. Connect with Rachelle on Instagram: https://www.instagram.com/rachelle__taylor/Connect with Brittany on Instagram:ht...2024-07-1144 min
Wealth Minded MD401K Dilemmas and what to do when you change jobsUnlock the secrets of managing 401Ks! In this episode, learn how to handle your 401K during job transitions and uncover expert tips to navigate the nuances of personal finance decision-making. If you're wondering what to do with your account, tune in to discover practical strategies to optimize your retirement savings and craft a prosperous financial future!
[00:02:38] Brittne's supermom shuffle conquering daycare spring sickies with her kids
[00:15:09] Lisha’s mistake of not verifying which physicians were in-network before scheduling a doctor’s appointment
[00:21:36] Why doing nothing with your 401k might be an optio...2024-05-011h 00Functional Retirement Podcast9 Places To Put Cash When Income is too High for a Roth IRAIn this episode, Thatcher covers options such as Roth conversions, backdoor Roth contributions, non-deductible IRA contributions, taxable brokerage accounts, 401ks, life insurance, annuities, paying off your mortgage, and investing in real estate.If you want to learn more about these options and how to choose the right one for your financial situation, make sure to listen to the full episode. For a detailed list of the alternatives discussed, visit www.propathfinancial.com/post/nine-roth-alternatives.Don't miss out on valuable financial insights and tips. Like, subscribe, and follow the Functional Retirement Podcast on your favorite platform...2024-04-1218 min
Wealth Minded MDOne investment account you should considerInvesting can be easy with the right approach! Each account in your investment portfolio serves a different purpose. In this episode, we discuss the ROTH IRA and how it will serve you and your money today and in the future!
[00:02:50] March madness brackets and Lisha’s office bets
[00:06:18] Why a Roth IRA is beneficial
[00:10:19] Investing for those who make under six figures
[00:22:33] Contributing indirectly through the Backdoor Roth IRA [00:28:58] Investing nuances to be mindful of
[00:39:03] Fun money: Brittne is booking flights and Lisha is stuffing her face with Girl Sco...2024-04-0343 minStay Wealthy Retirement PodcastRoth Conversions and the 5-Year Rule (Explained!)Want an easy way to learn how the "Roth 5-Year Rule" affects your unique situation? Subscribe to the Stay Wealthy Retirement Newsletter. As a thank you, you'll receive my one-page flowchart (PDF) for navigating this confusing rule. 👉 Click here to join the newsletter! *** TODAY'S EPISODE: The "Trump-era tax cuts" are set to expire in 2026. In other words, retirement savers only have two more years to take advantage of today's lower tax rates. One of the popular strategies to do this is through (aggressive) Roth...2024-03-0725 min
The Financial Independence ShowHow Justin Hit FI at 30 | Fit Rich LifeThis episode is a re-air of the Fit Rich Life Podcast episode which explores Justin Taylor's journey of utilizing creativity and determination to accumulate freedom-giving wealth.
Get a step-by-step breakdown of just how he reached financial independence at age 30.
In this episode, you will learn about:
Using Adversity as Fuel to Pursue Higher Education
How Justin Reversed Engineered His Way to Happiness
Justin's Use of Creative Thinking to Reach Millionaire Status
CampFI: A Camp for Financial Independence and Wealth Creation
The Mega Backdoor Roth Strategy
Justin's Journey to Financial Freedom
Fitness Transformation & Much More!
Key Quotes:
“Do what's best for yo...2024-02-211h 44
The Potential Podcast!Jeff Teravainen - "Thanksgiving", Far Cry, Splinter Cell, Dark MatterGrab those controllers and let’s take it to the next level! On this episode, Chris and Taylor are joined by Canadian actor/voice over artist Jeff Tervainen. We enjoyed discuss his beginnings as a musician in The Life, getting into voice over work for some of the biggest IPs like Far Cry, Splinter Cell, and Assassins Creed and snagging a part in the latest slasher “Thanksgiving” working with famed horror icon Eli Roth. Jeff totally nerds out and is definitely one us! Follow us on:Instagram: https://www.instagram.com/thepotentialpodcast/Fa...2024-02-2047 minFunctional Retirement PodcastDoes a Back Door Roth IRA Conversion Make Sense for Retirement.In this episode of the Functional Retirement Podcast, certified financial planner Thatcher Taylor dives into the topic of getting tax-free income in retirement through a backdoor Roth conversion. He breaks down the technique and discusses whether it makes sense for your financial situation.Throughout the episode, Thatcher delves into the specific elements of the backdoor Roth conversion, including income limits for Roth IRA contributions, the conversion process, the pro rata rule, and the necessary reporting forms. He also discusses the importance of evaluating your tax situation to determine if a backdoor Roth conversion is the right strategy...2024-02-1619 minFunctional Retirement PodcastWill your Roth Conversions Be Taxable in Retirement? I Ep:029👉In this episode of the Functional Retirement Podcast, host Thatcher Taylor dives into the topic of Roth conversions. Join Thatcher as he answers listener questions and breaks down the ins and outs of Roth conversions, including how they work, potential penalties, and whether or not they are right for you.👈📈Discover how Roth conversions fit into your overall retirement portfolio and gain valuable insights for planning your financial future. 🎆Don't miss out on this informative and thought-provoking episode!✅Contact Thatcher at thatcher@propathfinancial.com with comments and questions!Are...2024-02-0218 min
Movie and TV Show Reviews - Ray Taylor ShowKillers of the Flower Moon: Movie Review from the Ray Taylor ShowKillers of the Flower Moon: Movie Review from the Ray Taylor Show Show topic: Dive deep into the riveting world of 'Killers of the Flower Moon,' a 2023 American epic Western crime drama, in this detailed video review. Directed and produced by the legendary Martin Scorsese and co-written with Eric Roth, the film adapts David Grann's powerful 2017 non-fiction book. Set against the backdrop of 1920s Oklahoma, the story unfolds the chilling series of murders within the Osage Nation following the discovery of oil on their land.The film features an...2024-01-1552 min
The Potential Podcast!Potential Pick - Thanksgiving (2023)Chris and Taylor are back from a nice thanksgiving break with a second helping! Here they review the slasher film, Thanksgiving, directed by Eli Roth, from a screenplay written by Jeff Rendell and a story by Roth and Rendell, who produced with Roger Birnbaum. In the film, an axe-wielding maniac terrorizes residents of Plymouth, Mass., after a Black Friday riot ends in tragedy. Picking off victims one by one, the seemingly random revenge killings soon become part of a larger, sinister plan. The film stars Patrick Dempsey, Addison Rae, Milo Manheim, Jalen Thomas Brooks, Nell Verlaque, Rick Hoffman, and...2023-11-2913 min
Ahh! Real FilmsEpisode 129--Ahh!! The Return of the Thanksgiving Episode!Welcome ladies, germs, and people of all genders (and turkeys and turkettes)! Join Taylor & Curtis as we return to a classic, beloved episode – the Thanksgiving episode! The fans have been BEGGING for it, and we thought this week’s release of Thanksgiving by Eli Roth was a perfect opportunity to return to a classic. Unfortunately, this also means we must cover one of the worst movies we’ve ever watched – but alas! Do Curtis and Taylor know the word “plumage”? Is the table set? Does shitting in your spouses coffee convey your desire for a divorce? And what IS Florida’s fa...2023-11-221h 13
The Potential Podcast!Potential Pick - Killers of the Flower MoonChris and Taylor review the western crime drama film, Killers of the Flower Moon, directed by Martin Scorsese from a screenplay he co-wrote with Eric Roth, based on the 2017 non-fiction book of the same name by David Grann. Set in 1920s Oklahoma, it focuses on a series of murders of Osage members and relations in the Osage Nation after oil was discovered on tribal land. Tribal members had retained mineral rights on their reservation, and whites sought to gain their wealth. The film stars Lily Gladstone, Leonardo DiCaprio, Robert De Niro, Jesse Plemons, Tantoo Cardinal, Cara Jade Myers, JaNae...2023-11-1520 min
Financial FoundationsShould I Convert My Retirement To ROTH? Well, Maybe NOTIn this episode, hosts Dustin Taylor and certified financial planner Alex Wolfe tackle the question: "When should I do a Roth conversion?" Dustin and Alex explore the ins and outs of Roth conversions, explaining the process of shifting pre-tax dollars into a Roth IRA and paying taxes on the converted amount. The focus of the episode is on four critical reasons why you might want to reconsider a Roth conversion. They discuss scenarios such as anticipating lower future tax brackets, considering required minimum distributions, charitable giving plans, and health-related concerns. The hosts provide real-life examples...2023-11-1213 minFunctional Retirement PodcastListener Question | I'm 60, Do Roth Conversions Require a Five-Year Waiting Period For Tax-Free Distributions? | Ep: 017In this episode, we tackle a fascinating listener question that delves into the world of Roth conversions and the potential tax savings they can bring. We explore the strategy behind Roth conversions and how understanding the difference between future and current taxation is crucial before implementing them. It may sound technical, but trust me, it's worth it!Thank you all for your continued support and for tuning in to the Functional Retirement Podcast. Your engagement, questions, and reviews help us grow and reach more people who can benefit from our insights.Please leave a 5 star...2023-10-2719 min