『Avoiding the Tax Surprise: A Fiduciary Planner's Guide to Smart Withdrawals | With Esmeralda Quintero』のカバーアート

Avoiding the Tax Surprise: A Fiduciary Planner's Guide to Smart Withdrawals | With Esmeralda Quintero

Avoiding the Tax Surprise: A Fiduciary Planner's Guide to Smart Withdrawals | With Esmeralda Quintero

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In this episode of The Price of Civilization, the conversation turns to financial planning and the tax decisions that quietly shape a person's retirement. The discussion explores what it actually means to work with a fiduciary advisor, why high earners and pre-retirees so often get blindsided by capital gains taxes, and how a single conversation before a major withdrawal can prevent a painful surprise come tax season.The guest is Esmeralda Quintero, a certified financial planner with Iarann Wealth, based in San Diego, California who has spent ten years building her practice, including nine years at Northwestern Mutual before going independent in 2025 to work as a fee-based fiduciary. She holds the CFP, ChFC, and RICP designations, a combination she notes is held by a small fraction of advisors nationwide. Esmeralda's path into the profession was shaped by her upbringing in a Mexican immigrant household, where she began working alongside her mother cleaning houses at age eleven and witnessed firsthand how a lack of financial guidance and misplaced trust can affect a family. That experience, combined with earlier stints in tax preparation and banking, led her to build a practice centered on education, transparency, and treating every client like family.The episode digs into two tax situations: 1) Esmeralda sees constant clients who don't realize how steep long-term capital gains taxes can be in California until the year they actually withdraw from an investment account and 2) pre-retirees trying to figure out the most tax-efficient way to draw down assets over a 20- or 30-year retirement. She walks through a real example of how federal capital gains, California state tax, and the net investment income tax can combine to claim roughly a third of an investment gain and explains an alternative strategy using a securities-based line of credit to access funds without triggering a taxable event. She also addresses the current wave of social-media-driven advice around Roth conversions, cautioning that popular strategies aren't automatically the right fit for every situation and that personalized planning matters far more than following a trend.Throughout the conversation, the recurring theme is that financial planning isn't a single transaction but an ongoing relationship, one where meeting a client at their level of understanding and checking in over time matters as much as any specific strategy.In this episode, you'll learn:● Why working with a fiduciary advisor differs from working with a traditional wirehouse firm● What separates the CFP, ChFC, and RICP designations and what each one signals about an advisor's expertise● How personal background and lived experience can shape an advisor's approach to client relationships● Why clients are often unaware of how much they'll owe in capital gains tax until the year they withdraw● How federal capital gains, state tax, and the net investment income tax combine to reduce investment withdrawals● What a securities-based line of credit is and how it can help clients access funds without triggering a taxable event● Common mistakes people make when planning for retirement income withdrawals over a multi-decade period● Why popular strategies like Roth conversions aren't automatically the right choice for every client● The importance of meeting clients where they are in terms of financial literacy and communication style● Why financial planning works best as an ongoing relationship rather than a one-time conversation● How proactive, service-based planning helps clients avoid financial stress during major life transitions● Practical strategies for coordinating tax planning with a certified financial planner before making major withdrawalsIf you found this conversation valuable, be sure to subscribe, leave a review, and share it with someone who could use guidance planning their withdrawals, taxes, or retirement income strategy.Connect with Esmeralda QuinteroLinkedIn: https://www.linkedin.com/in/e-quintero/Instagram: https://www.instagram.com/esmequin13/Facebook: https://web.facebook.com/esmeralda.quintero.441397/reels/?_rdc=1&_rdr#Connect with Pietro CanestrelliInstagram: https://www.instagram.com/ietaxlaw/ Facebook: https://www.facebook.com/ietaxattorney/ LinkedIn:Law Office of Pietro Canestrelli, a Tax Controversy Boutique, APC | LinkedIn Pietro’s Personal LinkedIn: www.linkedin.com/in/pietro-canestrelli-18032a21 Youtube: https://www.youtube.com/@ietaxattorney TikTok: https://www.tiktok.com/@ietaxattorney?_r=1&_t=ZT-976CgcsahYc
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