Learn the basics of budgeting and how much you should spend on "must-have" fixed expenses vs "nice to have" discretionary expenses vs savings.

Budgeting Basics

Learn about the three retirement saving methodologies:
1. The safe withdrawal rate
2. The bucketing approach
3. Essential vs. Discretionary expense approach

Three Retirement Spending Methodologies

What would William Roth say? Roth Vs Traditional Retirement Accounts

Learn about the differences between traditional and Roth retirement savings accounts including when you should invest in each one and wait for the end to learn about the backdoor Roth conversion strategy!

What would William Roth say? Roth Vs Traditional Retirement Accounts

Learn about the difference between health savings accounts and flexible savings accounts on this episode of Unvested Shares. In addition, we discuss when it makes sense to use these  high deductible accounts instead of other health insurance.

Health Savings Account vs Flexible Savings Account

Learn how to reduce your taxes in retirement through qualified charitable distributions. QCDs are an effective financial planning strategy to use if you're over 70.5 years old and want to minimize taxes from your IRA while giving to your favorite charity!

Qualified Charitable Distribution (QCD) from IRAs

If you want to learn how to eliminate required minimum distribution (RMDs) and other taxes in retirement, listen to this episode covering the Qualified Leverage Strategy. The QLS strategy takes non-retirement funds along with qualified IRA funds and turns them into two tax-never vehicles, a Roth IRA and a life insurance policy. Tune in to find out why it may make sense and how it is done.

How to eliminate taxes in retirement - the Qualified Leverage Strategy

Have you thought about buying an annuity in your retirement plan? Creating your own pension plan may make sense through a qualified lifetime annuity contract. Learn the details in this episode if the QLAC strategy makes sense for you.

Should you buy an annuity in your retirement plan? Learn about the QLAC

From Corporate America to Financial Planner. I help people live their best life through good financial choices.

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