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  • When a Roth Conversion Actually Makes Sense in 2026

    When a Roth Conversion Actually Makes Sense in 2026
    2026/07/21
    Lucas and Luna break down the mathematics behind Roth IRA conversions, explaining why 2026's lower marginal tax rates may create a rare window for savers. They walk through the income thresholds, the pro-rata rule trap, and a concrete example of a hypothetical couple in the 22 percent bracket. The hosts also discuss how a donor-advised fund can pair with a conversion to offset the tax bill, and why waiting until December could backfire. No theory — just the numbers and the calendar. #RothConversion #TaxPlanning #Retirement #Finance #FexingoBusiness #IRA #ProRataRule #TaxBrackets2026 #DonorAdvisedFund #CharitableGiving #TaxEfficiency #ConversionLadder #LucasAndLuna #BusinessPodcast #WealthManagement #PersonalFinance #RetirementPlanning #FinancialLiteracy Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • How Retirees Can Use a Donor Advised Fund for Tax Savings

    How Retirees Can Use a Donor Advised Fund for Tax Savings
    2026/07/21
    In this episode, Lucas and Luna explore how retirees can use a donor advised fund, or DAF, to bundle charitable donations and claim a larger tax deduction in a single year. They walk through a concrete example: a retired couple with $50,000 in annual charitable giving who bunch three years of donations into one DAF contribution, pushing them above the standard deduction threshold. The hosts explain how the Tax Cuts and Jobs Act raised the standard deduction to around $27,700 for couples in 2026, making itemizing harder for many retirees. By using a DAF, donors can deduct the full lump sum, invest the gifted assets tax-free, and recommend grants to charities over time. Lucas and Luna also cover the types of assets you can contribute — including appreciated stock — and the 30 percent adjusted gross income limit for cash donations versus 20 percent for securities. The episode includes a natural donation segment tied to listener support via buy me a coffee dot com slash fexingo. Perfect for retirees looking to optimize their charitable giving while lowering their tax bill. #DonorAdvisedFund #DAF #RetirementTaxPlanning #CharitableGiving #StandardDeduction #ItemizedDeductions #TaxCutsAndJobsAct #AppreciatedStock #TaxDeduction #BunchingStrategy #Retirees #TaxSavings #CharitableDonations #FidelityCharitable #SchwabCharitable #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How Old 401k Accounts Can Pay for Roth Conversions

    How Old 401k Accounts Can Pay for Roth Conversions
    2026/07/20
    In Episode 123 of Retirement Planning with Fexingo, Lucas and Luna explore a little-known strategy: using old 401k accounts to cover the tax bill for Roth conversions. They break down why paying conversion taxes from the account itself can actually work in your favor—if you're over 59½. Using a detailed example for a married couple with $300k in a former employer's 401k, they show how this approach lets you keep more money invested, bypasses pro-rata rules, and even allows you to revert to a traditional IRA if the market drops. They also discuss the crucial role of the 60-day rollover window and why waiting until age 72 for RMDs might cost you more in taxes. A fresh angle for listeners who want to supercharge their Roth without draining their savings. #RothConversion #401k #RetirementPlanning #TaxStrategy #Rollover #RMD #Finance #FexingoBusiness #BusinessPodcast #Podcast #Money #Investing #Taxes #Retirement #Old401k #ProRataRule #RothIRA #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo
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    13 分
  • How Roth IRA Withdrawal Order Can Save You Thousands

    How Roth IRA Withdrawal Order Can Save You Thousands
    2026/07/20
    When you withdraw money from a Roth IRA, the IRS has strict rules about which dollars come out first: contributions, then conversions, then earnings. Many retirees accidentally trigger taxes or penalties by withdrawing in the wrong order. In this episode, Lucas and Luna walk through the five-year aging rules for conversions, the 'ordering rules' buried in IRS Publication 590-B, and a concrete example showing how a retiree with a $200,000 Roth IRA could owe $12,000 in unnecessary penalties by taking earnings before the five-year clock runs. They also discuss why the SECURE Act 2.0 changed the rules for employer match Roth contributions and how to track your Roth basis properly. #RothIRA #RetirementPlanning #WithdrawalRules #TaxStrategy #IRS #FiveYearRule #RothConversion #SECUREAct2.0 #RetirementIncome #TaxFreeGrowth #FiduciaryAdvice #BasisTracking #Publication590B #PenaltyAvoidance #Finance #FexingoBusiness #BusinessPodcast #PersonalFinance Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How Retirees Can Use a Self-Directed IRA for Alternative Assets

    How Retirees Can Use a Self-Directed IRA for Alternative Assets
    2026/07/19
    In this episode of Retirement Planning with Fexingo, Lucas and Luna explore the self-directed IRA — a retirement account that allows investors to hold alternative assets like real estate, private equity, and cryptocurrencies. They break down how it works, the tax rules you need to know, and the pitfalls that trip up even savvy investors. Using a concrete example of a retiree who bought a rental property inside a self-directed IRA, they walk through the prohibited transaction rules, the role of a qualified custodian, and why UBIT (unrelated business income tax) matters if you use leverage. They also discuss whether these accounts actually make sense for most retirees versus sticking with traditional ETFs and mutual funds. If you've ever wondered about holding physical gold or investing in a startup through your retirement account, this episode gives you the specifics you need to talk to a tax advisor. Recorded July 19, 2026. #SelfDirectedIRA #AlternativeAssets #RetirementPlanning #RealEstateIRA #PrivateEquity #CryptocurrencyIRA #ProhibitedTransaction #UBIT #RetirementAccounts #Fidelity #IRA #Finance #FexingoBusiness #BusinessPodcast #PersonalFinance #Investing #WealthManagement #TaxPlanning Keep every episode free: buymeacoffee.com/fexingo
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    9 分
  • How a Longevity Annuity Can Secure Retirement Income

    How a Longevity Annuity Can Secure Retirement Income
    2026/07/19
    Lucas and Luna explore how longevity annuities (QLACs) can provide guaranteed income for retirees worried about outliving their savings. They break down the mechanics, tax benefits, and the specific rule changes in 2024 that made QLACs more flexible. Using a hypothetical retiree named Carol, they illustrate how deferring a portion of a 401k into a QLAC can reduce required minimum distributions and create a reliable income stream starting at age 85. The episode covers the updated QLAC limits, the role of insurance company ratings, and how this strategy fits into a broader retirement plan. Lucas offers a concrete example: a $200,000 QLAC purchase that generates roughly $3,800 per month in deferred income. Luna raises questions about inflation risk and liquidity, and they discuss whether a QLAC makes sense for someone with a shorter life expectancy. The tone is practical and grounded, with no hype—just a clear-eyed look at a niche but powerful retirement tool. #QLAC #LongevityAnnuity #RetirementIncome #RequiredMinimumDistributions #DeferredIncomeAnnuity #InsuranceCompanyRatings #InflationRisk #LifeExpectancy #RetirementPlanning #401k #IRA #FexingoBusiness #Finance #BusinessPodcast #Retirement #Annuities #GuaranteedIncome #SocialSecurity Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How a Charitable Remainder Trust Can Cut Your Tax Bill

    How a Charitable Remainder Trust Can Cut Your Tax Bill
    2026/07/18
    Lucas and Luna explore the Charitable Remainder Unitrust (CRUT), a powerful tax strategy for retirees with highly appreciated assets. They walk through a concrete example: a retired couple with $500,000 in Apple stock (cost basis just $80,000) who donate it to a CRUT, receive a 6% annual income stream for life, and get a $140,000 charitable tax deduction—all while avoiding capital gains tax. The episode explains how the trust works, the required 10% charity minimum, and why this isn't for everyone (high fees, complexity, and irrevocable commitment). Includes a comparison to donating appreciated stock directly vs. selling and reinvesting. Perfect for listeners considering advanced philanthropic planning. New angle for Episode 119—not covered in prior episodes on QLACs, HSAs, or Roth conversions. #CharitableRemainderTrust #CRUT #TaxPlanning #Retirement #AppreciatedAssets #CapitalGains #CharitableGiving #EstatePlanning #Finance #WealthManagement #Philanthropy #TaxDeduction #Retirees #FexingoBusiness #BusinessPodcast #AdvancedPlanning #RetirementStrategy #TaxEfficiency Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • Why a Fixed Indexed Annuity Can Protect Your Retirement

    Why a Fixed Indexed Annuity Can Protect Your Retirement
    2026/07/18
    Lucas and Luna explore the case for fixed indexed annuities in a 2026 retirement portfolio. They break down how FIAs work, the role of the participation rate and cap, and why some retirees are adding them as a buffer against sequence-of-returns risk. With an example using a 62-year-old delaying Social Security, they explain the trade-offs between upside caps and downside protection, and why the 'accumulation' versus 'income' phase matters. No sales pitch — just a clear-eyed look at a product that's often misunderstood. #FixedIndexedAnnuity #Retirement #Annuity #SequenceOfReturnsRisk #DownsideProtection #RetirementPlanning #FIA #GuaranteedIncome #Retirees #IncomePlanning #Finance #WealthManagement #FexingoBusiness #BusinessPodcast #RetirementIncome #IndexedAnnuity #CapRate #ParticipationRate Keep every episode free: buymeacoffee.com/fexingo
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    12 分