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Retired-ish

Retired-ish

著者： Cameron Valadez
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概要

 Retired·ish is the retirement podcast for those exploring retirement and those currently in retirement. The retirement ideas and strategies discussed are focused around preparing for one of life's biggest transitions, and how to preserve the wealth that you have worked so hard to achieve! This educational podcast was created to provide you with confidence in your retirement planning decisions. Your host, Cameron Valadez, is a CERTIFIED FINANCIAL PLANNER(TM) and partner of financial planning firm for retirees, Planable Wealth. In each episode, Cameron shares actionable ideas and strategies to help you Simplify Investing, Reduce Taxes, & Grow Your Net Worth, so you can retire on your terms! Cameron will answer some of the top concerns of retirees including: How can I potentially pay less in taxes to the IRS? How can I better preserve my retirement nest egg and draw a sufficient income? How can I simplify my investments? How can I keep more wealth in the family? Cameron also takes a deep dive into more complex issues retirees face regarding retirement income, estate planning, Medicare, Social Security and more! Retirement doesn't have to be a means to an end. To be Retired-ish means to have the CONFIDENCE and FREEDOM to spend your time on what matters most, and retire on your terms! Cameron believes this can be achieved through well-designed financial planning that adapts to life's unknowns. Find more information about Cameron or ask a question you would like answered on the podcast by visiting retiredishpodcast.com Want even more detailed retirement planning insights? Join our monthly Retired·ish Newsletter!Cameron Valadez © 個人ファイナンス 経済学
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  • Encore: Betting the Farm

    Encore: Betting the Farm
    2026/02/23
    This episode is actually a replay of a previous episode we had done - Episode 63 - about the danger of picking individual stocks. This time we wanted to rename it "Betting the Farm" because we feel like that title is more representative of what we're seeing today in 2026. In January of 2026, the S&P 500 had crossed the 7,000 mark and the Dow Jones had passed the 50,000 mark. These are both tremendous milestones in the United States stock market. Not to mention, countries other than the United States, which have struggled over the past decade plus, have significantly outperformed most companies in the United States over the past year or so, and history has shown us that this trend can continue for quite a long time. Another reason I wanted to bring this episode back is because it's easy to look like you know what you're doing and feel good about picking stocks when the overall market is doing well. It isn't until you experience a significant drawdown that your thoughts, confidence, and emotions start to change. And this isn't just about stocks either. This can be really any asset class. It could be owning real estate while it's going up substantially. It could be buying gold before it takes off like it has throughout 2025 and 2026 so far, or even cryptocurrency. Simply as a product of human nature, investors are extremely overconfident in their abilities and they're not realistic with themselves. Many times, in practice, we often see portfolios full of risky positions that have very little to no rational rhyme or reason for owning – and the reasons are many. Many times, investors get into these positions simply because it was recently going up in value and so they didn't want to miss out. Or someone they know, who, by the way, is not a professional investor, shared with them their recent experience in the position. It also happens by reading some article on the internet or watching some show on financial television that all seem to be in consensus that a particular company or investment should be a good investment moving forward. Another common one we see in practice is that positions start to build substantially and become overly concentrated in a portfolio when investors are afraid of taxation. Everyone hates paying taxes, including myself, and when people purchase an investment and it appreciates substantially and now has embedded capital gains, if they were to sell some or all of it, oftentimes people do not want to pay the tax that comes with it. That causes them to hold the position for far too long and add additional risk to the portfolio by being over concentrated in that position. While this is understandable, you cannot let the tax tail wag the dog. Would you rather pay preferred capital gains rates and rip the band aid off to diversify, or would you rather take the risk that your position falls 70 or 80% or worse, slowly drags on with little return over the next decade? People hate paying taxes but I'd say losing 70 to 80% is worse than paying 15 to 20% in tax. It also commonly happens when you work for a company that offers employer stock awards, such as RSU's, stock options, or stock in the 401k plan. Because as you work, you just continue to accumulate this stock and, while it's going up, you feel like you should just continue accumulating it without a need to diversify at any point in time, since it seems like it's always going to make you money, and you have a natural bias towards the great company that you work for. But the vast majority of the time, it's purely a hunch or a guess. You're purchasing an investment just hoping and thinking that it will succeed over the long run. I want this episode to serve as a reminder about risk taking and diversification. While times are good we feel good and we often lose sight of the ultimate goal for our investments and what we need them to do for our financial plan. Sometimes when things do extraordinarily well, we continue to ride the wave, thinking we'll make more and more money, and don't think about the potential ramifications of when the tide goes out. And I have a feeling that the next time the tide goes out, many people are going to be caught swimming naked and get burned in a lot of the positions we're seeing people accumulate today. Whether that's stocks particularly in companies in the US, large positions in AI-related stocks, your employer stock awards at work, cryptocurrencies, or even commodities like gold. If you're one of those investors that has been riding the wave on a certain position and you feel like you've made a lot of money and that the trend could continue, you may want to rethink your overall goal and strategy and consider proper diversification. Especially if you are trying to grow a portfolio that you will need to live on throughout a potential 20 to 30-year retirement. That being said, enjoy this week's replay of why picking stocks can be dangerous. More specifically, we discuss: The most important question for DIY ...
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    30 分
  • Tax Season Blunders to Learn From and Avoid

    Tax Season Blunders to Learn From and Avoid
    2026/02/09

    If you're doing your own taxes or working with a tax preparer who doesn't specialize in wealth accumulation, financial planning and retirement, there's a good chance you're leaving thousands of dollars on the table every single year.

    We're talking four and five-figure mistakes that happen because nobody's looking at the details.

    In this episode, Cameron walks you through six of the most expensive tax blunders he sees wealth accumulators and retirees make - from losing track of IRA basis to triggering Medicare surcharges you didn't see coming.

    These aren't theoretical problems. These are real mistakes costing real people real money.

    Learn about these potential issues before they arise so you don't make the same mistakes!

    More specifically, Cameron discusses:

    1. Losing Track of Form 8606 and Non-Deductible IRA Basis
    2. Estimated Tax Payment Disasters
    3. The IRMAA Time Bomb & Medicare Premium Surcharges
    4. QCD Mistakes
    5. Missing Cost Basis on Old Stock Positions & Paying More Taxes Than Necessary
    6. State Tax Exempt Interest and Dividend Mistakes

    Resources:

    • Get Show Notes Here
    • Retired-ish Newsletter Sign-Up
    • See if you're a good fit for our Free Tax-Optimized Retirement Playbook™

    Key moments:

    (00:00) Tax Season Blunders to Learn From and Avoid
    (05:33) 1. Losing Track of Form 8606 and Non-Deductible IRA Basis
    (12:28) 2. Estimated Tax Payment Disasters
    (18:10) 3. The IRMAA Time Bomb
    (22:56) 4. QCD Mistakes
    (28:16) 5. Missing Cost Basis on Old Stock Positions
    (32:30) 6. State Tax Exempt Interest and Dividend Mistakes
    (41:14) Disclosures
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    42 分
  • Strategies To Reduce Estate Taxes for High-Net-Worth Individuals

    Strategies To Reduce Estate Taxes for High-Net-Worth Individuals
    2026/01/26

    If you think estate taxes are only a problem for billionaires and celebrities, I've got news for you:

    A couple in their 50s with a combined few million in retirement accounts, a paid-off home, maybe a rental property, and 20 + years of compounding ahead of them? Their beneficiaries could easily be looking at a 40% + federal estate tax bill when they die.

    However, there are legitimate, legal strategies to dramatically reduce or even eliminate these taxes. Some of them are as simple as how you spend your money today. Others involve sophisticated trust structures that can save your family hundreds of thousands, if not millions in taxes.

    In this episode of Retired-ish, Cameron pulls back the curtain on estate tax reduction strategies that high-net-worth retirees utilize to preserve their wealth and pass it on efficiently.

    More specifically, Cameron discusses:

    • What are gift and estate taxes? And how much are they?
    • Who is subject to gift and estate taxes?
    • Should you try and avoid gift and estate taxes or capital gains taxes?
    • Stocks and real estate in irrevocable trusts
    • Power of Substitution to swap assets between irrevocable trusts and your estate
    • Retirement accounts and estate taxes
    • Other strategies to reduce gift and estate taxes

    Resources:

    • Get Show Notes Here
    • Retired-ish Newsletter Sign-Up
    • See if you're a good fit for our Free Tax-Optimized Retirement Playbook™

    Chapters:

    (00:00) Understanding Estate Taxes
    (04:00) Who Needs Estate Planning?
    (08:19) Gift & Estate Taxes vs. Capital Gains Taxes
    (10:41) Irrevocable Trusts: Real Estate & Stocks
    (17:00) Advanced Asset "Substitution" or "Swap" Strategy
    (20:29) Retirement Accounts & Estate Tax
    (25:00) The Smart Spending Strategy
    (30:42) Sophisticated Estate Planning Tools to Reduce Estate Tax Exposure
    (36:26) Final Thoughts & Resources
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    40 分
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