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  • The raise nobody applauds.

    The raise nobody applauds.
    2026/08/24
    Are rising bond yields good for retirees? Long-term Treasury yields reached their highest levels in nearly twenty years this summer. Most of the coverage treats that as bad news, and for borrowers it is. For a retirement that runs on income, it is mostly a raise: every maturing bond and reinvested dollar now earns what savers spent fifteen years waiting for. This walks through what changed, what it gives a retirement plan, and the one part that already cost you. Full transcript and show notes: https://consideratecapital.com/podcast/what-rising-yields-quietly-give-you This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    13 分
  • The quiet first year of retirement.

    The quiet first year of retirement.
    2026/08/24
    What financial decisions matter in your first year of retirement? When you retire, the urge is to tell everyone. But the first year quietly decides more than the announcement does: which accounts you draw from, what you pay for health coverage before Medicare, who inherits your accounts, and how much tax your spouse would face alone one day. These choices rarely feel urgent, which is exactly why they get made by default. This is a look at the handful worth settling in the calm before the calendar fills up. Full transcript and show notes: https://consideratecapital.com/podcast/the-quiet-first-year-of-retirement This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    13 分
  • The reset you did not ask for.

    The reset you did not ask for.
    2026/08/20
    What happens to the step-up in basis when your spouse dies? When a spouse dies, most inherited assets get a step-up in basis: their cost resets to the value on the date of death, and the tax on the gain built up over a lifetime largely disappears. In Illinois and most states, jointly held accounts reset by half, while retirement accounts do not reset at all. This walks through what resets, what does not, the one clock worth watching, and why the step-up quietly makes waiting affordable. Full transcript and show notes: https://consideratecapital.com/podcast/step-up-in-basis-when-your-spouse-dies This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    12 分
  • Choosing a financial advisor after you lose your spouse.

    Choosing a financial advisor after you lose your spouse.
    2026/08/17
    How do you choose a financial advisor after losing your spouse? When you are ready for help after losing a spouse, two questions answer most of the others: is this person a fiduciary, and how are they paid. This is how to tell a fiduciary from a salesperson, what does and does not have to be decided early, the questions worth asking, and how to check anyone's background, including ours. Full transcript and show notes: https://consideratecapital.com/podcast/choosing-a-financial-advisor-after-loss This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    11 分
  • What needs you, and when.

    What needs you, and when.
    2026/08/03
    What needs to be done after a spouse dies? After a spouse dies, the question is rarely what needs doing; it is what needs doing now. This checklist sorts the first year the way life actually asks for it: keep money moving this week, make one good call to Social Security, work through the phone list this month, see the attorney this season, and let everything irreversible wait. Full transcript and show notes: https://consideratecapital.com/podcast/checklist-after-losing-a-spouse This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    12 分
  • The widow's penalty.

    The widow's penalty.
    2026/07/27
    What is the widow's penalty? After one spouse dies, the survivor usually files taxes as a single person, with a standard deduction about half as large and brackets about half as wide, so a similar income is taxed more heavily. One Social Security check also stops, and Medicare can charge more. The penalty cannot be erased, but most of what softens it has to be done while both spouses are alive. Full transcript and show notes: https://consideratecapital.com/podcast/the-widows-penalty This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    12 分
  • When the blues does not lift.

    When the blues does not lift.
    2026/07/27
    The low that arrives in the first year or two of retirement is usually the ordinary blues, and the honest evidence is reassuring: retirement is not a reliable cause of depression, and for many people it leaves their mental health unchanged or better. But for a smaller group the low is not the blues at all, and the difference is less about how far down it goes than whether it moves at all. This is how to tell the ordinary dip from clinical depression, why depression in later life is so often missed and written off as aging, and why the safest thing to do with a low that will not lift is to stop waiting it out. Full transcript and show notes: https://consideratecapital.com/podcast/when-the-blues-does-not-lift This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    14 分
  • The trust that bets on your marriage.

    The trust that bets on your marriage.
    2026/07/27
    Is a spousal lifetime access trust (SLAT) worth it? A spousal lifetime access trust lets one spouse move up to $15 million out of both estates while the other spouse can still draw on it, which keeps the household's standard of living intact. The price is paid elsewhere: the gift is irrevocable, access ends with death or divorce, heirs give up the step-up in basis, and a his-and-hers pair must survive the reciprocal trust doctrine. Weighing those honestly is the whole decision. Full transcript and show notes: https://consideratecapital.com/podcast/slat-pros-and-cons This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.
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    11 分