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  • How to Choose the Right Retirement Planning Advisor (And Red Flags to Avoid)

    How to Choose the Right Retirement Planning Advisor (And Red Flags to Avoid)
    2026/08/29

    As you approach retirement or as a retiree, have you ever said this to yourself...

    "Am I going to run out of money before I run out of life?"

    "When do I start Social Security?"

    "Do I have the right Medicare plan?"

    If any of that sounds familiar, this episode is for you.

    Stewart Smith, LUTCF®, RICP®, and Mitch Davies, CFP®, break down exactly what separates a true retirement planning advisor from a general financial advisor and what you should look for (and look out for) before you hire one.

    In This ClearPath Retirement Radio Episode:
    → The difference between accumulation planners and retirement distribution planners
    → Why fiduciary status and dual licensing (securities and insurance) matter
    → How to decode advisor designations like CFP, RICP, and CFA
    → Why real-world experience is critical when it comes to retirement planning
    → The exact questions to ask before hiring an advisor
    → Red flags to watch for, including guaranteed returns and pressure tactics
    → What a complete retirement income plan should actually cover

    Timestamps:
    → [00:00] Intro
    → [01:53] Two types of financial advisors: accumulation vs. distribution
    → [03:49] Signs your advisor isn't built for retirement planning
    → [07:31] Why fiduciary status and dual licensing matter
    → [09:00] What it really means to be a fiduciary
    → [11:16] Decoding designations: CFP, RICP, and CFA
    → [15:50] Weaker designations to watch out for
    → [18:34] Why experience matters in retirement planning
    → [21:06] Character matters: why military service stands out
    → [25:07] Key questions to ask before hiring an advisor
    → [29:00] Ask about their planning process
    → [31:01] Understanding your custodian
    → [33:19] Breaking down fee structures and hidden fees
    → [38:59] Red flags: urgency, guaranteed returns, and unrealistic promises
    → [42:03] What a complete retirement income plan should include

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    45 分
  • Why Two-Thirds of People Feel Behind And How to Actually Retire

    Why Two-Thirds of People Feel Behind And How to Actually Retire
    2026/08/22

    As you approach retirement or as a retiree, have you ever said this to yourself...

    "I'm just going to have to work forever."

    "What if I retire and end up like my dad — gone within six months?"

    "I don't see the path. It just feels impossible."

    If any of that sounds familiar, this episode is for you.

    Stewart Smith and Mitch Davies sit down to talk about a survey that found nearly two-thirds of Americans don't believe they'll ever be able to retire and why, in their 25+ years of working with real clients, that fear almost never matches reality.

    In This Episode:
    → Why so many people feel behind on retirement since the pandemic
    → Maria's story — how a waitress with no 401(k) retired comfortably starting at age 48
    → Why retirement is about income, not just how much you've saved
    → The power of compounding — how an extra $500 a month can mean six figures more at retirement
    → Why helping adult children financially can quietly derail your own retirement
    → "There's no loan for retirement" — why saving should come before college costs
    → Paying off your house, claiming two Social Security checks, and why old 401(k)s and small pensions matter more than people think
    → Why understanding your monthly expenses is the single most valuable thing you can do, at any age

    Timestamps:
    → [00:00] Why two-thirds of Americans think they'll never retire
    → [01:27] Retirement is about income, not assets
    → [05:29] Maria's story — from waitress to retired
    → [07:21] The Roth IRA and Social Security strategy that changed everything
    → [14:00] It's not how much you have, it's what you need
    → [19:00] The power of compounding — how $500 more a month adds up
    → [24:00] Helping adult children without wrecking your own retirement
    → [27:00] Why there's no loan for retirement
    → [32:00] A modest-income couple's real path to retirement
    → [39:00] Paid-off homes, two Social Security checks, pensions, and forgotten 401(k)s
    → [41:00] Why your expenses matter more than your account balances

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    45 分
  • What's Your Relationship With Money? A Wealth-Building Conversation for Every Generation

    What's Your Relationship With Money? A Wealth-Building Conversation for Every Generation
    2026/08/15
    Have you ever said this to yourself..."I'm terrible with money.""I'm so tired of working and having nothing to show for it.""I'm never going to have the advantages that rich people do."If any of that sounds familiar, this episode is for you.Stewart Smith, LUTCF®, RICP® and Mitch Davies sit down to talk about something most financial conversations skip right past: your actual relationship with money. Where it came from, why it feels the way it does, and what to do about it — whether you're just getting started or you're sitting on real assets and wondering if you've built things the right way.This one isn't just for people starting out. If you're within five to ten years of retirement, the questions Stewart and Mitch raise here still apply — how your money is taxed, which accounts you're pulling from, and whether your investments still match what you actually want your life to look like. A lot of people build their portfolio in their 30s and 40s and never look at it again with fresh eyes. This episode is a good excuse to.They break down why the gap between people who invest and people who don't keeps widening, what real compounding looks like over time, and the three "buckets" of money every investor eventually needs to understand — brokerage, tax-deferred, and Roth — and how each one is taxed differently. They also get into the harder question: if money weren't the thing driving your decisions, who would you be?In This Episode: → Why your relationship with money often traces back to what you learned growing up → The real math behind compounding and why starting early changes everything → The three buckets of money — brokerage, tax-deferred, and Roth — and how each is taxed → Roth IRA contribution limits and income phase-outs → Why "comparison is the death of joy" when it comes to financial happiness → The identity question: who would you be without money defining your choices → Why understanding money teaches you how the world actually works → Why this conversation matters just as much if you're already close to retirement as it does if you're just getting startedTimestamps: → 00:00 - The widening gap between investors and non-investors → 01:39 - What Stewart learned (and didn't learn) about money growing up → 03:17 - The real definition of financial freedom: your money making what you make → 04:23 - The "magic" in the market: real examples over 10 years → 08:08 - The compounding effect and why starting early wins → 17:38 - The identity question: who would you be without the money stress? → 20:01 - The comparison trap and why it steals your joy → 21:37 - A client's story: paid-off home, paid-off cars, retiring debt-free → 22:22 - Stewart's rule of thumb on debt: what's actually worth borrowing for → 29:07 - The three buckets of money — brokerage, tax-deferred, and Roth → 31:40 - Roth IRA income limits and who they're really built for → 34:15 - Why there are "two sets of tax laws" — one for the informed, one for the uninformedStewart Smith, LUTCF®, RICP®, and Mitch Davies of ClearPath Retirement Planning talk through this every week. Catch ClearPath Retirement Radio every Saturday at 10 AM Subscribe to YouTube ClearPath Retirement Planning Ready to build your retirement plan?ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies. 📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615 📞 (864) 775-5033Schedule your ClearPath Retirement Review today www.clearpathretirement.com Subscribe & Connect: YouTube: @ClearPathRetirementPlanning Facebook: https://www.facebook.com/ClearPathRetirement LinkedIn: https://www.linkedin.com/company/clearpathretirementImportant Disclosure:Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    49 分
  • The Cracks We See Every Day in Retirement Plans (And How to Fix Them)

    The Cracks We See Every Day in Retirement Plans (And How to Fix Them)
    2026/08/08

    Stewart Smith and Mitch Davies are back from a few weeks off, and they're diving straight into the things they see most often when they sit down with clients.

    Much like a doctor reading an EKG, Stewart and Mitch spend their days looking at statements and tax returns, hunting for the cracks where a plan could be doing more for you.

    In this episode, they break down real gaps they run into constantly: estate planning mistakes like houses titled the wrong way, missing TOD and POD designations, and trusts that were set up but never actually funded. They also get into why so many people aren't contributing enough to their retirement plans, what a 22% cut to Social Security by 2032 could mean if Congress doesn't act, and why Roth conversions are worth a serious look right now. They close things out with a few tax efficiency cracks, including how to handle after-tax brokerage accounts, dividends, and charitable giving the smart way.

    If you've ever wondered whether your own plan has one of these cracks in it, this episode is a good place to start checking.

    In This Episode:

    • Why the way your house is titled matters more than you think
    • TOD and POD designations and how they can help you avoid probate
    • Two common reasons trusts end up never getting funded
    • How to know whether an asset should be retitled or just have the trust named as beneficiary
    • Why trusts need to be revisited every so often, especially if you've moved states
    • The healthcare and financial power of attorney piece people often skip
    • Why "just doing the match" on your 401(k) may not be enough
    • What a 22% Social Security reduction in 2032 could mean for your retirement
    • Why Roth conversions matter more than ever right now
    • Managing after-tax brokerage accounts, dividends, and tax loss harvesting the right way
    • Using qualified charitable distributions (QCDs) to give more tax-efficiently

    Timestamps:
    → [00:00] Welcome back from a few weeks off
    → [02:14] Estate planning cracks: house titling
    → [04:38] TOD and POD designations to avoid probate
    → [07:06] Why trusts don't get funded
    → [09:00] Retitling assets vs. naming the trust as beneficiary
    → [12:40] Keeping trusts up to date
    → [14:04] Healthcare and financial power of attorney
    → [16:03] Not contributing enough to retirement plans
    → [18:16] Social Security's possible 22% cut in 2032
    → [20:20] Why Roth conversions matter right now
    → [23:17] Doing more than the match in the retirement red zone
    → [27:19] Tax efficiency cracks: after-tax accounts
    → [29:19] Tax loss harvesting done right
    → [29:53] Dividends and interest in after-tax accounts
    → [31:32] Qualified charitable distributions (QCDs)
    → [34:06] Wrap-up

    Stewart Smith, LUTCF®, RICP®, and Mitch Davies share this every week so you can catch the cracks in your own plan before they cost you. Catch ClearPath Retirement Radio every Saturday at 10 AM

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    35 分
  • Your Retirement Questions, Answered: Social Security, Medicare, and the Mistakes We See Most

    Your Retirement Questions, Answered: Social Security, Medicare, and the Mistakes We See Most
    2026/07/11

    This week, we have a listener Q&A episode that tackles the questions people ask most as they get closer to retirement or try to make sense of it once they're there.

    This ClearPath Retirement Radio covers when to really start planning, how much money you actually need, the biggest mistakes people make in the years before retirement, and a full retirement readiness checklist.

    From there they dig into the big three: Social Security timing, Medicare enrollment, and what to do with an old 401(k) after you leave a job.

    We also talk through paying off a mortgage before retirement, how to turn savings into a real paycheck, and how to protect against running out of money later in life.

    If you've ever wondered whether you're missing something in your own plan, this episode may answer more of your questions than you expected.

    In This Episode:
    → When to start serious retirement planning, and why 10 years out is ideal
    → How much money you actually need to retire, and why the "4% rule" falls short
    → The biggest retirement planning mistakes, including underestimating healthcare costs and inflation
    → A real retirement readiness checklist, starting with understanding your expenses
    → When to take Social Security, and why the decision can't be undone
    → How Medicare Part A and Part B actually work, and when to sign up
    → Whether to pay off your mortgage before retiring
    → What to do with an old 401(k) when you leave a job
    → How to turn your savings into a monthly "paycheck" in retirement
    → How to plan for longevity risk so you don't outlive your money

    Timestamps:
    → 00:00 Welcome and episode format
    → 01:00 When to start retirement planning
    → 02:00 How much money do you actually need to retire?
    → 05:00 Biggest mistakes made before retirement
    → 09:00 Real retirement readiness checklist
    → 15:00 Social Security: when to take it
    → 21:00 Medicare Part A and Part B explained
    → 25:00 Should you pay off your mortgage before retiring?
    → 28:00 What to do with your old 401(k)
    → 34:00 Turning savings into a retirement paycheck
    → 38:00 Longevity risk: not outliving your money
    → 42:00 Closing thoughts

    Stewart Smith, LUTCF®, RICP®, and Mitch Davies have spent 25+ years helping South Carolina retirees build real, comprehensive retirement plans — looking at all of your assets, your taxes, your income sources, and your goals before any conversation about managing money ever comes up.

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    45 分
  • What Changes for a Woman's Retirement That No One Tells Her

    What Changes for a Woman's Retirement That No One Tells Her
    2026/07/04

    Retirement planning looks different for women — longer time horizons, different income patterns, and decisions that often fall on their shoulders sooner than expected. Stewart Smith and Mitch Davies break down what to actually watch for.

    In this episode of ClearPath Retirement Radio, Stewart and Mitch talk through the factors that make retirement planning unique for women and the specific things worth understanding before you're navigating them alone.

    ➜ Why a woman's retirement timeline and income needs often differ from her spouse's
    ➜ How the loss of a spouse can reshape a household's income and tax picture
    ➜ The ClearPath Fiscal House framework — safe money, income-producing assets, and growth
    ➜ Social Security strategy: spousal, survivor, and ex-spouse benefits
    ➜ How Roth conversion strategy may help protect a surviving spouse's financial picture
    ➜ Common mistakes to watch for when converting retirement accounts

    00:00 — Why this episode is for women
    01:00 — Stewart's family story
    06:00 — What makes a woman's retirement different
    09:00 — The three stages of retirement income needs
    12:00 — Five retirement challenges unique to women
    18:00 — Modeling the loss of a spouse
    23:00 — The Fiscal House: foundation, walls, and roof
    36:00 — Social Security: spousal, survivor, and ex-spouse benefits
    45:00 — Roth conversions and the golden window
    54:00 — Common Roth conversion mistakes
    57:00 — Recap

    If this episode raised questions about your own plan — or your spouse's —

    Start Your ClearPath Retirement Review → clearpathretirement.com/our-process
    Download the Free Retirement Red Zone Guide → clearpathretirement.com/free-guides

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    1 時間
  • The 3 Strategies That Keep Your Retirement Wealth in Your Family

    The 3 Strategies That Keep Your Retirement Wealth in Your Family
    2026/06/27

    ClearPath Retirement Planning's Stewart Smith, LUTCF®, RICP®, and Mitch Davies walk through three strategies they use every week with Upstate SC families to make sure the wealth built over a lifetime doesn't get eroded by probate, unnecessary taxes, and poor timing.

    Estate planning and tax efficiency aren't two separate conversations. The decisions you make about trusts, Roth conversions, and life insurance all connect and getting them right before you retire makes a significant difference in what actually passes to the people you care about.

    On this episode of ClearPath Retirement Radio, Stewart and Mitch break down:

    → Why a will alone doesn't avoid probate — and what a living revocable trust actually does for you
    → How to properly fund a trust and which assets get retitled vs. named as beneficiary
    → The IRMAA trap — how a Roth conversion at the wrong time can raise your Medicare premiums two years later
    → Why the 10-year rule turns pre-tax IRA money into a tax problem for your kids at the worst possible time
    → Roth conversions as an estate planning tool — leaving tax-free money instead of a taxable inheritance
    → Life insurance as a legacy multiplier — and as an estate equalizer when you have a family business
    → Mitch's Market Minute: rate hike outlook, IPO caution, and where markets stand

    Timestamps:
    → 0:00 — Introduction: Estate Planning & Tax Efficiency Overview
    → 1:59 — Living Revocable Trusts: What They Do and Why You Need One
    → 9:42 — How to Fund a Trust: Retitling vs. Beneficiary Designation
    → 17:59 — Segment 2: Controlling Asset Distribution & Tax Planning
    → 22:19 — IRMAA, Medicare Premiums & the Two-Year Lookback
    → 25:45 — Roth Conversions as an Estate Planning Tool
    → 27:34 — The 10-Year Rule and the Inherited IRA Tax Problem
    → 37:44 — Mitch's Market Minute
    → 43:03 — Life Insurance as a Legacy Multiplier in Retirement
    → 49:34 — Life Insurance as an Estate Equalizer for Family Businesses

    If you've been putting off the estate planning conversation — or you've never heard it explained this way — this episode is worth your time. Reach out to the team at ClearPath Retirement to find out where you actually stand.

    Subscribe to YouTube ClearPath Retirement Planning

    Ready to build your retirement plan?

    ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies.

    📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615
    📞 (864) 775-5033

    Schedule your ClearPath Retirement Review today www.clearpathretirement.com

    Subscribe & Connect:
    YouTube: @ClearPathRetirementPlanning
    Facebook: https://www.facebook.com/ClearPathRetirement
    LinkedIn: https://www.linkedin.com/company/clearpathretirement

    Important Disclosure:

    Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement...
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    58 分
  • When You're Suddenly on Your Own: Financial Planning for Widows and Divorcees

    When You're Suddenly on Your Own: Financial Planning for Widows and Divorcees
    2026/06/20
    Eight out of 10 women will manage their household finances alone at some point — through widowhood, divorce, or simply outliving their spouse. Most aren't prepared when it happens.In Season 2 of ClearPath Retirement Radio, Stewart Smith and Mitch Davies walk through what actually changes when a spouse is suddenly gone and what couples can do right now, before anything happens, to protect the person they love most.This episode covers:→ Why you should wait 12–18 months before making any major financial decisions after losing a spouse→ The one-to-two page document every couple should have, and almost none do→ Why expenses don't drop in half when a spouse passes (and what that means for your income plan)→ How your tax brackets, Social Security taxation, IRMAA thresholds, and capital gains strategy all change dramatically when you go from filing jointly to filing single→ Why Roth conversions while both spouses are still alive — and still filing jointly — may be one of the most underused planning moves available right now→ The divorce timing trap: why your marital status on December 31st determines your filing status for the entire year→ Survivor benefits at age 60 and the little-known strategy that lets you claim a survivor benefit early, let your own benefit grow, then switch later→ Ex-spouse survivor benefits: if you were married 10+ years and your ex passes away, you may be entitled to up to 100% of their benefit and they never even have to know→ Pension elections, beneficiary designations, titling, and why an outdated 401(k) beneficiary can override everything in your will→ What a QDRO is — and why a 60-year-old woman who never worked outside the home is not starting over with nothingStewart shares the story of his mother losing her spouse in her early 50s, and a client he's still in touch with more than 23 years later. This episode comes from 25 years of working with real SC families through some of their hardest seasons.If you or someone you love is navigating this — or if you want to make sure your spouse is protected before anything happens — this one is worth your time.🎙️ Subscribe on YouTube, Apple Podcasts, and Spotify — search ClearPath Retirement Radio📋 Start Your ClearPath Retirement Review → clearpathretirement.com/our-process00:00 — Welcome to Season 2 & New Studio 01:00 — Why This Topic Is Personal to Stewart 02:30 — The 8-in-10 Statistic 04:00 — How Tax Brackets Change When You Go from Married to Single 05:00 — What We Hear When Couples Come In Unprepared 07:00 — Rule #1: Don't Make Major Financial Decisions for 12–18 Months 08:30 — What the First Year Really Looks Like 12:00 — How to Document Your Financial Life for Your Spouse 17:00 — Automating Bills and Understanding Your Real Expenses 19:00 — Social Security: The Surviving Spouse Keeps the Larger Check 20:30 — Pension Elections: Life-Only vs. Survivor Benefit 23:30 — Divorce and the Urge to Start Over Immediately 26:00 — Survivor Benefits at Age 60 — and the Switch Strategy 30:00 — Ex-Spouse Survivor Benefits: The Most Overlooked Benefit in Retirement 32:00 — Mitch's Market Minute: Ceasefire, Oil Prices, Fed Chair, SpaceX IPO 37:00 — Tax Bracket Changes for Single Filers 38:00 — Roth Conversions While Still Filing Jointly 40:00 — The One Big Beautiful Bill and What It Means for Single Filers 41:00 — Divorce Timing and the December 31st Filing Trap 45:00 — Estate Planning, Trusts, and Getting Both Spouses in the Room 46:00 — Titling, Probate, and What Happens Without a Will in South Carolina 50:00 — Beneficiary Designations Override Your Will 53:00 — IRMAA, Capital Gains Thresholds, and the Full Tax Picture 56:00 — QDROs and Why Divorced Women Have More Rights Than They Think 58:00 — Closing Thoughts and CTASubscribe to YouTube ClearPath Retirement Planning Ready to build your retirement plan?ClearPath Retirement Planning helps retirees and pre-retirees in the Upstate SC and Columbia areas and Western NC create tax-efficient retirement income strategies. 📍 300 Executive Center Drive, Suite 104 | Greenville, SC 29615 📞 (864) 775-5033Schedule your ClearPath Retirement Review today www.clearpathretirement.com Subscribe & Connect: YouTube: @ClearPathRetirementPlanning Facebook: https://www.facebook.com/ClearPathRetirement LinkedIn: https://www.linkedin.com/company/clearpathretirementImportant Disclosure:Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. ...
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    1 時間 1 分