How Much Are You Paying For Your Investments? [ENCORE]

The Power of Donor Advised Funds: If you regularly donate to your church or other charities, donor advised funds (DAFs) might be something you want to look into. These funds offer some big perks. First off, you get a potential tax deduction in the year you contribute, even if the... by Big Picture Retirement

31 min listen

Unpacking the New IRS Estate Planning Memo: In today's episode, we examine the recent IRS Chief Counsel Memorandum, which introduces significant changes to one of the cornerstone strategies in estate planning. We explore how these new guidelines impact assets placed in trusts like intentionally... by Big Picture Retirement

39 min listen

Too Much of a Good Thing?: Lots of investors use the S&P 500 index as a key part of their investment plan, thinking it spreads their money out well among America's biggest companies. But in this episode, we're going to question that idea by looking at the risks of having... by Big Picture Retirement

23 min listen

When Roth IRA Conversions Go Too Far: Roth IRA conversions can be a powerful tool for retirement planning, offering tax-free growth and withdrawals. However, there's a fine line between optimizing and overdoing it. In this episode, we talk about the dangers of over-converting to a Roth... by Big Picture Retirement

31 min listen

Estate Planning Lessons from the Rockefellers and Vanderbilts: Are there lessons we should learn from the comparison of the Rockefellers and the Vanderbilts? In this episode, we look at the contrasting estate planning tactics of two of America's wealthiest dynasties. While both families amassed incredible... by Big Picture Retirement

27 min listen

The Five Phases of Retirement: Retirement has five distinct phases and each of them have their own unique challenges and opportunities. Understanding these distinct phases is important for anyone who is approaching retirement or has retired within the past year or two. If... by Big Picture Retirement

30 min listen

The Secret Power of Investment Location: In this episode, we dive into the concept of investment location—a tactical approach in asset allocation across various accounts like IRAs and joint accounts, which can significantly influence your tax liabilities. If you’re thinking "I love... by Big Picture Retirement

33 min listen

The Home Buying Earthquake That Changes Everything: In today's episode, we discuss the landmark $418 million settlement involving the National Association of Realtors (NAR) and its potential implications for the real estate industry. As retirees and others look to buy or sell homes, they're facing a... by Big Picture Retirement

32 min listen

3 Types of Investors Who Should Avoid A Flat Fee Financial Advisor: Flat-fee financial advisors aren’t for everyone. In fact, there are three types of investors who should steer clear of flat-fee financial advisors. In today’s episode, we’ll talk about who should avoid hiring a flat fee advisor and either do it... by Big Picture Retirement

24 min listen

The Surprising Way to Save Social Security (Without Raising Taxes or Cutting Benefits): Could the solution to saving Social Security be so glaringly obvious that it has been overlooked, or perhaps even ignored, due to political power dynamics? The concern about the insolvency of the Social Security trust fund looms large as the program... by Big Picture Retirement

28 min listen

The Unplanned Journey: Grandparents Raising Grandchildren in Retirement: Description: In todays episode, we talk about the unexpected turns retirement can take, particularly when individuals find themselves in the role of raising a grandchild. This shift in family dynamics can significantly alter one’s retirement... by Big Picture Retirement

41 min listen

The Risk of Grey Divorce: In today's episode, we'll dive into the intriguing phenomenon of Grey Divorce, which refers to divorces occurring among individuals aged 50 and above. Surprisingly, while the overall divorce rate is on the decline, Grey Divorce is on the rise. Join us... by Big Picture Retirement

30 min listen

How to Determine Your Risk Tolerance: In this episode, we explore an unrefined, yet accurate, approach to determining your risk tolerance. Beyond traditional risk tolerance questionnaires that often fluctuate with market conditions, we introduce two key criteria: Freak Out Number -... by Big Picture Retirement

22 min listen

Unlocking the Ex-pat Dream: Debunking Myths and 2024's Top Destinations: Ever dreamed about retiring to a sunny beach or quaint village in another country? How about living a life of luxury for less than $3,000 per month? In today's episode, we're debunking common myths and discussing the challenges of living abroad, while... by Big Picture Retirement

32 min listen

5 Things Nobody Tells You About Retirement: We’ve heard this hundreds of time... 'I wish someone had warned me about this when I retired.' More often than not, they're referring to one of five key challenges that catch many retirees by surprise. In today's episode, we're diving into each of... by Big Picture Retirement

34 min listen

3 Reasons You Should Choose A Flat Fee Financial Advisor: In today's episode, Devin reveals a significant transformation in his professional approach — the transition to a flat fee structure. After a period of subtle hints, the change is now official and marks a new chapter for his firm. Join Devin and... by Big Picture Retirement

40 min listen

Beyond Billionaires: The Ripple Effect of Taxing Unrealized Gains: Taxing the richest's unearned income—why should it matter to you? This episode peels back the complexities of the proposed legislation targeting billionaires' unrealized capital gains to examine its broader consequences. We get into how this... by Big Picture Retirement

21 min listen

Encore: The Retirement Tax Torpedo: The calculation the IRS uses to determine how you pay taxes on retirement income creates this danger zone where taxes can be SIGNIFICANTLY amplified. And if you fall into this danger zone, you could pay a MUCH higher tax rate on some of your... by Big Picture Retirement

43 min listen

Encore: Asset Protection for Personal Property: How about this for a New Year's resolution - PROTECT YOUR ASSETS! In today's show, we bring back one of our most downloaded episodes where John covered the details on what to do with your personal property that could be exposed to creditors and... by Big Picture Retirement

40 min listen

Encore: 6 Social Security Mistakes That Can Damage Your Retirement: In today's encore episode, we're talking about how to avoid the six most common Social Security mistakes. Some of these mistakes can be easily corrected. However, others can result in long-term or even permanent damage. In today's episode, John... by Big Picture Retirement

51 min listen

Encore: Tax Loss (and Gain!) Harvesting with Andy Panko: Another special encore episode just in time for year end. Managing taxes in retirement may have a greater impact than any other single cost-saving measure you take. Today, we're replaying our epsiode with Andy Panko for a discussion into tax loss... by Big Picture Retirement

35 min listen

Encore: The Fine Print of Beneficiary Designations: Today we're bringing back a fan favorite from 2022. The Fine Print of Beneficiary Designations. This is something that seems straightforward at first glance - just fill out a form naming the people you wish to inherit your account in the event that... by Big Picture Retirement

40 min listen

Encore Episode: 3 Reasons for Roth Conversions: Today we're bringing back one of our most downloaded episodes: The Three Reasons for Roth Conversions. We released this back in May of 2023 and it’s already shot up to be one of the most listened-to episodes we’ve ever recorded.... by Big Picture Retirement

30 min listen

The Vanguard Verdict: How Advisors Boost Returns by 3%: In today's episode, we discuss an eye-opening study from Vanguard, a leader in the DIY investing space. In this report, they cover how partnering with a financial advisor could potentially amplify your average annual return by a notable 3%.... by Big Picture Retirement

32 min listen

The Corporate Transparency Act: New Rules for LLCs and Small Businesses: In 2021, the Corporate Transparency Act (CTA) was enacted with the goal of unveiling hidden ownership structures and counter illicit financial undertakings. Yet, while its implications are far-reaching, the conversation has largely missed a pivotal... by Big Picture Retirement

29 min listen

This Is Why You PAY YOUR ADVISOR!: In this episode, we open the phone lines and talk directly with our listeners to answer their burning questions. Kristen from California is at a crossroads post-retirement. At 61, she's contemplating drawing from her Social Security benefits but... by Big Picture Retirement

29 min listen

The Surprisingly Hardest Part of Retirement: For countless retirees, the greatest challenge isn't saving money, but spending it. After years of diligent saving, the transition to drawing down those hard-earned funds can be fraught with anxiety and uncertainty. But what if there was a way to ease... by Big Picture Retirement

36 min listen

Social Security In Digital Dollars Only?!?: In this episode, we open the phone lines and talk directly with our listeners to answer their burning questions. Suzanne's Dilemma - Suzanne from California is on the brink of retirement and finds herself at a crossroads regarding her Social... by Big Picture Retirement

35 min listen

Straight From Our Inbox: Listener Voicemails and more: In today's episode, Devin and John answer a few questions from listener's voicemails! Join us as we dissect these questions, providing you with actionable insights and strategies to give you clarity and confidence about your retirement.... by Big Picture Retirement

49 min listen

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How Much Are You Paying For Your Investments? [ENCORE]

How Much Are You Paying For Your Investments? [ENCORE]

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