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In this episode of Coffee With David, David covers everything from Social Security taxes and working in retirement, to healthcare before 65, the 4% rule, and long-term care insurance.

We’ll discuss:

• Is Social Security actually taxable in retirement?

• Can you collect Social Security and still work?

• What do you do for health insurance if you retire before 65?

• Is the 4% rule still a good rule for retirement income?

• Should you buy long-term care insurance?

  
  

Have a question you’d like David to answer in a future episode? REPLY BELOW!

Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional. All rights reserved.This is not endorsed or affiliated with the Social Security Administration or any U.S. government agency.This is not endorsed or affiliated with any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area and contacting us will direct you to a licensed insurance agent. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.Gov or 1-800-MEDICARE to get information on all of your options.Any comments regarding safe and secure investments and/or guaranteed income streams refer only to fixed insurance products overseen by state insurance regulators and not any investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC.Tax loss harvesting is a strategy that may help minimize the amount of current taxes you have to pay on your investments by choosing to sell an investment at a loss. It is only appropriate for certain taxpayers in certain scenarios. Please review your retirement savings, tax and legacy planning strategies with your legal/tax advisor before attempting a tax loss harvesting strategy.

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You might think retirement planning starts when you’re ready to retire. But by then, some of your best planning opportunities may already be behind you.

In this video, David explains why the 3–5 years before retirement matter and what you can start doing now to put yourself in a better position when retirement arrives.

We’ll discuss:

- Tax planning before retirement

- When to take Social Security

- Planning for healthcare costs

- Adjusting your investment strategy

- Sequence-of-returns risk

- How much risk you can afford

- You don’t need to have retirement completely figured out five years in advance. But giving yourself time to plan can give you more options when retirement arrives.

▶️ Watch next: Why Your Medicare Premium Could Double in Retirement

▶️ Watch next: How Conservative Should You Be In Retirement?

▶️ Watch next: The 3 Best Ways to Generate Retirement Income

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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional. All rights reserved.

A Roth conversion may not be suitable for your situation. The primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. The information provided is to help you determine whether or not a Roth IRA conversion may be appropriate for your particular circumstances. Please review your retirement savings, tax, and estate/legacy planning strategies with your legal/tax advisor to be sure a Roth IRA conversion fits into your planning strategies.

This is not endorsed or affiliated with any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area and contacting us will direct you to a licensed insurance agent. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.Gov or 1-800-MEDICARE to get information on all of your options.

This is not endorsed or affiliated with the Social Security Administration or any U.S. government agency.

📘 Get your FREE COPY of Resilient Retirement

📩 SUBSCRIBE to our WEEKLY EDUCATIONAL newsletter

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One year it's inflation. The next it's interest rates, tariffs, a recession, or geopolitical conflict. While the headlines change, the feeling is often the same: uncertainty.

In this video, David reminds us why resilient retirement plans are never built around perfect market conditions. Instead of reacting to headlines, fear, or making emotional decisions, he shares a simple framework to help you evaluate your portfolio during down markets.

We'll discuss:
- Why market uncertainty is a normal part of investing
- What history teaches us about market recoveries
- How to evaluate whether your portfolio is taking the right amount of risk
- Why your retirement plan should be built to withstand difficult markets
- Questions to ask before making changes to your investments

The goal isn't to predict every storm. The goal is to build a financial plan strong enough to weather them.
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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional.

#StockMarketCrash #RetirementPlanning #Investing #FinancialPlanning #marketvolatility

📘 Get your FREE COPY of Resilient Retirement

📩 SUBSCRIBE to our WEEKLY EDUCATIONAL newsletter

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“Social Security is running out of money, take it before it’s too late!”

Sound familiar?

While Social Security is facing very real challenges, making your claiming decision based on fear or headlines could end up costing you.

We'll discuss:
- Is Social Security really running out of money?
- What could happen if no changes are made?
- Why your claiming strategy can impact your lifetime retirement income
- How married couples should think about survivor benefits
- Reasons claiming early may (or may not) make sense
- Why retirement and claiming Social Security are two separate decisions

The right time to claim Social Security isn't the same for everyone. A thoughtful strategy can make one of your most valuable retirement assets work harder for you and your family.
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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transact business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional.

#SocialSecurity #RetirementPlanning #Retirement #FinancialPlanning #SocialSecurityBenefits

📘 Get your FREE COPY of Resilient Retirement

📩 SUBSCRIBE to our WEEKLY EDUCATIONAL newsletter

You’ve spent decades building your retirement savings. Now comes a completely different challenge: turning those savings into reliable income.

In this video, David walks through a step-by-step framework for building a retirement income plan that considers more than simply choosing a withdrawal rate.

We’ll discuss:

• How much retirement income you actually need

• Social Security and guaranteed income

• Calculating your income gap

• Choosing an income strategy

• Taxes on retirement income

• Planning for market downturns

  
  

The goal isn’t just to decide how much to withdraw from your 401(k). It’s to build an income plan that accounts for inflation, taxes, market volatility and a retirement that could last decades.

▶️ Watch next: The 3 Best Ways to Generate Retirement Income

Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional. All rights reserved.

Any comments regarding safe and secure investments and/or guaranteed income streams refer only to fixed insurance products overseen by state insurance regulators and not any investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC.

This is not endorsed or affiliated with the Social Security Administration or any U.S. government agency.

📘 Get your FREE COPY of Resilient Retirement

📩 SUBSCRIBE to our WEEKLY EDUCATIONAL newsletter

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It can be frustrating to wake up and realize your Medicare premiums suddenly increased, even though you're making less money.

In this podcast, David explains IRMAA (Income-Related Monthly Adjustment Amount) and why it catches so many retirees by surprise.

We'll discuss:
- What IRMAA is and how it works
- Why Medicare premiums can increase years after you've earned the income
- Common events that trigger higher Medicare premiums
- How Roth conversions, IRA withdrawals, home sales and RMDs can affect IRMAA
- Questions to ask before making major financial decisions in retirement
- When you may be able to appeal an IRMAA surcharge
The goal isn't to avoid IRMAA at all costs. It's to understand the tradeoffs so you can make informed decisions that support your overall retirement plan.

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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transact business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional.
This is not endorsed or affiliated with any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area and contacting us will direct you to a licensed insurance agent. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.Gov or 1-800-MEDICARE to get information on all of your options.
A Roth conversion may not be suitable for your situation. The primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. The information provided is to help you determine whether or not a Roth IRA conversion may be appropriate for your particular circumstances. Please review your retirement savings, tax, and estate/legacy planning strategies with your legal/tax advisor to be sure a Roth IRA conversion fits into your planning strategies.

#Medicare #IRMAA #RetirementPlanning #MedicarePremiums #FinancialPlanning #DavidDurham

📘 Get your FREE COPY of Resilient Retirement

📩 SUBSCRIBE to our WEEKLY EDUCATIONAL newsletter

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Thinking about investing in SpaceX? Before you do, it's worth understanding one of the biggest mistakes investors make: confusing a great company with a great investment.

SpaceX has become one of the most talked-about private companies in the world. While SpaceX may continue to be an incredible business, companies like Facebook and Uber remind us that even exceptional businesses can experience disappointing returns after going public when expectations and valuations become too high.

We'll discuss:

- Why investors are so excited about SpaceX
- The difference between a great company and a great investment
- What Facebook and Uber can teach us about IPO investing
- Five questions to ask before investing in any IPO
- How speculative investments fit into a long-term retirement plan

Most investment mistakes aren't caused by bad math. They are caused by emotion.


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Investment advisory services are offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those of Foundations and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Comments regarding a particular client’s experience may or may not be the same as another client’s experience and is not an indication that any client or prospective client will experience the same or a higher level of future success or performance. Any discussion of performance or returns is not indicative of future results. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. Foundations only transacts business in those jurisdictions where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. No legal or tax advice is provided. Always consult with a professional.

#spacex #ipo #investing #financialplanning #retirementplanning #daviddurham

📘 Get your FREE COPY of Resilient Retirement

📩 SUBSCRIBE to our WEEKLY EDUCATIONAL newsletter

As you approach retirement, you’ve probably been told that you need to get more conservative with your investments.

While that advice is common, applying it without considering your personal situation could significantly reduce your long-term growth and weaken the resilience of your retirement plan.

In this episode, David shares a recent conversation with a client that highlights a massive retirement misconception.

The truth is, there is no one-size-fits-all rule for how much risk you should take.

We'll compare two retirees who each have $1 million saved, yet one may be able to invest as aggressively as someone in their 30s while the other may benefit from a more conservative approach.

The difference isn't their age or portfolio size. It comes down to:

- Income sources
- Your lifestyle liabilities & goals
- Risks that existed in their plan

David also shares a real-world story of a retiree whose portfolio fell 45% because they didn't fully understand the amount of risk they were taking, and how situations like that can often be avoided with proper planning.

💬 Do you think most retirees are too conservative or take too much risk? We'd love to hear your thoughts in the comments.


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Investment advisory services offered through Foundations Investment Advisors, LLC (“Foundations”), an SEC registered investment adviser. The views, statements and opinions expressed herein are those of the individual speakers and not necessarily of Foundations or their affiliates. The content provided is for educational purposes only. No investment, legal or tax advice is provided. Always consult with a professional.

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#retirementplanning #retirementinvesting #investmentrisk #financialplanning #assetallocation #daviddurham