『Coffee with Your Retirement Coach』のカバーアート

Coffee with Your Retirement Coach

Coffee with Your Retirement Coach

著者： Randall Yeomans Nicholas Yeomans & Aaron Calhoun
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 Our coaches seek to enhance your life by encouraging you to create sound financial strategies that carry you through your desired retirement plans. The content on this podcast is for educational and entertainment purposes only, and should not be construed as advice.2023 個人ファイナンス 経済学
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  • Don't Make These Roth Conversion Mistakes!

    Don't Make These Roth Conversion Mistakes!
    2025/06/06
    Does the phrase “tax-free” curl your toes? Then you’ll want to grab your mug and join the team for this episode focused on Roth conversions — and more importantly, the mistakes people often make when trying to convert retirement funds to a Roth account.

    Your hosts Aaron, Nic, and Randy bring their signature blend of insight, humor, and clarity to help you avoid costly missteps and understand the strategic importance of Roth conversions done right.
    💡 Quick Takeaways:
    • Don’t overconvert — watch for Medicare and tax thresholds
    • Market dips = Roth conversion opportunities
    • Use non-IRA money to pay the taxes
    • Coordinate between financial planners and CPAs
    • Start small to activate the five-year clock
    Chapters: 00:00 – Introduction: The appeal of tax-free growth and Roth conversions
    00:18 – Meet the coaches: Aaron, Randy, and Nic discuss their passion for Roth strategies
    00:43 – Two gateways to Roth: Contribution vs. Conversion (focus on conversion mistakes)
    01:09 – Why mistakes happen: Overlooking rules and the importance of understanding them
    02:07 – The importance of wise counsel: Consulting tax and financial professionals
    03:11 – Mistake #1: Converting too much in one year (impact on Medicare premiums)
    03:37 – Mistake #2: Not coordinating Roth conversions with Required Minimum Distributions (RMDs)
    04:34 – Mistake #3: Attempting to convert RMDs to Roth (not allowed)
    04:57 – Mistake #4: Forgetting about state income tax exposure
    05:21 – Mistake #5: Not converting during a market downturn (opportunity for tax-free growth)
    06:08 – Mistake #6: Believing you need wages to do a Roth conversion
    07:52 – Mistake #7: Withholding taxes from the IRA during conversion (why it’s a problem)
    08:25 – Mistake #8: Letting your CPA drive the plan without input from your financial professional
    09:24 – Real-life example: The importance of communicating your goals to your CPA
    10:07 – Generic rules vs. specific planning: Why context matters
    10:15 – Mistake #9: Missing the Roth conversion deadline (must be done by year-end, not tax filing date)
    11:02 – Mistake #10: Waiting until the last minute to convert (custodian processing delays)
    11:32 – Bonus mistakes: Over-contributing, exceeding income limits, and missing low-tax-bracket opportunities
    13:01 – The value of proactive tax planning: How missed opportunities can cost hundreds of thousands
    15:21 – The importance of collaboration between financial planners and CPAs
    16:30 – Encouragement: Don’t disqualify yourself from considering a Roth conversion
    17:00 – Playground analogy: Forced taxation and planning for the future
    17:26 – Technical note: The two five-year rules for Roth IRAs and Roth 401(k)s
    18:30 – Final takeaways:
    • Don’t eyeball your conversion—calculate and leave margin
    • Consider all taxes (state, federal, Medicare)
    • Use outside funds to pay conversion taxes
    • Collaborate with all your advisors
    19:35 – Outro: How to contact the coaches, share the podcast, and important disclaimers
    📬 Questions?     Email: connect@yourretirementcoach.com
    Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972
     If this episode reminded you of someone, please share it!

    🛑 Disclaimer: Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.
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    25 分
  • Mixing Family and Business Successfully

    Mixing Family and Business Successfully
    2025/05/23

    In this episode of Coffee With Your Retirement Coach, the the coaches discuss the sweet and sometimes salty world of family businesses. Just like peanut butter and chocolate, mixing family and work can be delightful or a sticky mess. From establishing clear boundaries to personal journeys of stepping into the family business, expect a blend of humor and wisdom. Discover how respect, communication, and a bit of coaching can transform family-run enterprises into well-oiled machines. Through real-life stories and practical advice, learn how to avoid turning family dinners into boardroom brawls. So grab your coffee, and maybe a cookie, and get ready to laugh and learn your way to family business success.

    00:00 Introduction: Family and Business Dynamics

    00:25 The Importance of Boundaries and Communication

    00:48 Personal Stories: Randy and Nic's Journey

    01:57 Nic's Career Path and Realizations

    04:52 The Impact of Financial Planning

    07:27 Joining the Family Business

    12:01 Coaching and Mentorship

    19:50 Respect and Communication in Family Business

    21:05 Addressing Family Dynamics in Business

    21:29 Setting Clear Expectations and Roles

    23:26 The Importance of Coaching and Guidance

    24:45 Structuring Family Business for Success

    32:55 The One-Year Experiment for Business Owners

    39:05 Final Thoughts and Takeaways

    Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we’d love to hear from you.

    Have a question for the coach?

    Send it in to connect@yourretirementcoach.com

    Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972

    Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.
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    41 分
  • Why Being a Chicken Could Derail Your Retirement Plans

    Why Being a Chicken Could Derail Your Retirement Plans
    2025/05/09

    In this episode of Coffee With Your Retirement Coach, Aaron, Nic, and Randy explain how to avoid operating out of fear and sticking with your plan amidst market volatility. They discuss overcoming financial fears, the value of knowledge and confidence, and the need for a comprehensive approach that includes tax planning and estate considerations. Listen to learn how to stick to the plan instead of being a big chicken!

    00:00 Introduction: Facing Financial Fears
    00:28 Meet the Hosts: Nic, Randy, and Aaron
    00:59 The Importance of a Solid Financial Plan
    01:58 Navigating Market Volatility
    03:01 Retirement Planning Essentials
    04:32 Understanding Market Pullbacks
    06:48 The Role of Confidence in Investing
    13:32 Beware of Financial Product Pitches
    20:08 The Value of Diversification
    22:19 Tax Strategies for Low Rates
    22:57 Capital Gains and Market Opportunities
    24:23 Diversifying Taxes and Investments
    25:20 Retirement Tax Myths
    31:49 Estate Planning Essentials
    39:04 Taking Action and Enjoying Retirement
    42:23 Final Thoughts and Encouragement

    *Episodes We Mentioned*
    Luck Is Not a Plan: https://youtu.be/IL-YLSklXPY?si=bd0NN5dPPJlaB_h1

    Thank you for listening. If this episode resonated with you, please share it with someone who might find it helpful. Reach out with your thoughts or experiences—we’d love to hear from you.

    Have a question for the coach?
    Send it in to connect@yourretirementcoach.com

    Connect with us on Facebook: https://www.facebook.com/profile.php?id=100063585099972

    Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.
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    45 分

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