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  • How Roth IRA Rebalancing Can Boost Your After-Tax Returns

    How Roth IRA Rebalancing Can Boost Your After-Tax Returns
    2026/06/06
    In episode 35 of Roth IRA with Fexingo, Lucas and Luna explore a seldom-discussed advantage of Roth IRAs: tax-free rebalancing. Unlike taxable accounts where selling winners triggers capital gains taxes, a Roth IRA lets you rebalance without tax consequences. The hosts walk through a concrete example using a hypothetical $50,000 portfolio split between a total stock market ETF and a bond fund, showing how annual rebalancing can add nearly 0.5 percent to after-tax returns over a decade. They also discuss the tricky question of when to rebalance inside a Roth vs. a traditional IRA, and why holding your highest-growth assets in a Roth makes rebalancing more tax-efficient. This episode is especially timely given the market volatility of mid-2026, where many investors may be sitting on large gains in growth stocks and need to trim without triggering a tax bill. No prior episode has covered this intersection of Roth IRA mechanics and portfolio rebalancing. #RothIRA #PortfolioRebalancing #TaxFreeGrowth #AfterTaxReturns #ETFs #BondFunds #AssetAllocation #CapitalGains #TaxEfficientInvesting #FinancialPlanning #RetirementAccounts #InvestmentStrategy #FexingoBusiness #Finance #BusinessPodcast #WealthManagement #PersonalFinance #LongTermInvesting Keep every episode free: buymeacoffee.com/fexingo
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    6 分
  • Roth IRA Estate Planning Mistakes to Avoid in 2026

    Roth IRA Estate Planning Mistakes to Avoid in 2026
    2026/06/06
    Episode 34 of Roth IRA with Fexingo tackles the often-overlooked estate planning pitfalls that can derail your Roth IRA's tax-free legacy. Lucas and Luna walk through a real-world scenario: a California couple with $800,000 in Roth assets who named their adult child as sole beneficiary—but never updated the designation after a divorce and remarriage. The episode explains why beneficiary designations override a will, how trust-owned Roth IRAs can backfire, and why the SECURE Act's 10-year rule still applies even to tax-free accounts. Listeners learn concrete steps: why naming a trust as beneficiary may accelerate distributions, how to coordinate with estate attorneys, and why a simple form update can save heirs decades of confusion. No fluff, just actionable planning for anyone with a Roth IRA who wants it to pass cleanly. #RothIRA #EstatePlanning #BeneficiaryDesignation #SECUREAct #TrustOwnedIRA #TaxFreeInheritance #CaliforniaEstate #IRAInheritance #StretchIRA #10YearRule #DivorceAndIRA #Remarriage #EstateAttorney #WealthTransfer #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • Roth IRA vs Traditional IRA for High Net Worth Investors

    Roth IRA vs Traditional IRA for High Net Worth Investors
    2026/06/05
    Episode 33 of Roth IRA with Fexingo tackles a question most advice glosses over: once you're a high-net-worth investor with a sizable traditional IRA balance, does converting to Roth still make sense? Lucas and Luna walk through the math for a hypothetical couple with $2 million in a traditional IRA, a 37% marginal rate, and a 25-year retirement horizon. They compare the tax torpedo from Required Minimum Distributions against the upfront conversion tax, using concrete numbers for RMDs at age 75 and the impact on Medicare surcharges. They also discuss state tax considerations, estate planning for heirs, and why the optimal strategy often becomes a partial, laddered conversion over several years. This episode gives high earners a practical framework for deciding whether the Roth conversion math works in their specific situation, with no generic advice. #RothIRA #TraditionalIRA #HighNetWorth #RothConversion #RMD #TaxPlanning #EstatePlanning #MedicareSurcharges #IRMAA #RetirementPlanning #WealthManagement #TaxStrategy #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast #LucasAndLuna #Investing Keep every episode free: buymeacoffee.com/fexingo
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    12 分
  • Why Your Roth IRA Custodian Choice Matters More Than You Think

    Why Your Roth IRA Custodian Choice Matters More Than You Think
    2026/06/05
    Episode 32 of Roth IRA with Fexingo dives into an overlooked variable: which brokerage holds your Roth IRA. Lucas and Luna break down how custodian fees, investment options, withdrawal flexibility, and even customer service can quietly cost you thousands over decades. They compare Vanguard, Fidelity, Schwab, and a couple of robo-advisors, looking at expense ratios, account minimums, and the fine print on Roth IRA conversions and rollovers. Specific numbers include how a 0.25% extra fee erodes $50,000 in growth over 30 years. The episode also touches on the risks of holding non-publicly-traded assets in a self-directed Roth IRA. A short host-support segment at the end keeps the conversation grounded. #RothIRA #Custodian #Vanguard #Fidelity #Schwab #RoboAdvisor #ExpenseRatio #Fees #RetirementPlanning #TaxFreeGrowth #Investing #FinancialLiteracy #WealthManagement #IRA #Finance #FexingoBusiness #BusinessPodcast #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How Roth IRA Beneficiary Rules Create a Stretch Strategy

    How Roth IRA Beneficiary Rules Create a Stretch Strategy
    2026/06/04
    Episode 31 of Roth IRA with Fexingo unpacks the little-known 'stretch IRA' strategy for Roth beneficiaries. Lucas and Luna walk through a real-world case: a 45-year-old inherits a $340,000 Roth IRA from a parent. They break down the ten-year rule for non-spouse beneficiaries, the perils of leaving the account in cash too long, and why converting inherited traditional IRAs to Roth can backfire. Specific numbers include how a $340,000 account growing at 7 percent could become over $660,000 if managed tax-efficiently across the decumulation window. The hosts also compare spousal rollover options versus non-spouse treatment, and explain why the SECURE Act's elimination of the lifetime stretch changes everything for inheritors. No fluff, no generic advice — just a concrete roadmap for anyone who might inherit a Roth IRA. #RothIRA #InheritedIRA #StretchIRA #SECUREAct #BeneficiaryRules #TenYearRule #TaxFreeWithdrawals #EstatePlanning #NonSpouseBeneficiary #IRAInheritance #RothConversion #SpousalRollover #RequiredMinimumDistributions #RMD #WealthTransfer #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Roth IRA Inheritance Rules Differ for Spouses vs Non-Spouses

    How Roth IRA Inheritance Rules Differ for Spouses vs Non-Spouses
    2026/06/04
    Episode 30 of Roth IRA with Fexingo dives into a critical but often overlooked difference: how the IRS treats inherited Roth IRAs for spouses versus everyone else. Lucas and Luna break down the specific rules, including the surviving spouse's option to treat the IRA as their own versus the non-spouse's required 10-year distribution rule. They walk through real scenarios, explain why a non-spouse beneficiary might face a surprise tax bill on earnings, and highlight deadline traps like the RMD delay for spouses. The episode also covers the 2026 Secure Act 2.0 updates and practical planning tips. No fluff, just clear, actionable guidance for anyone who might inherit or leave a Roth IRA. #RothIRA #InheritedIRA #SpousalInheritance #NonSpouseBeneficiary #SecureAct2 #RequiredMinimumDistributions #TaxFreeGrowth #EstatePlanning #BeneficiaryRules #10YearRule #Finance #PersonalFinance #RetirementPlanning #WealthManagement #FexingoBusiness #BusinessPodcast #Podcast #TaxStrategy Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • Roth IRA Inflation Protection Why Your Contributions Shrink

    Roth IRA Inflation Protection Why Your Contributions Shrink
    2026/06/03
    Episode 29 of Roth IRA with Fexingo digs into an overlooked risk: inflation silently eroding the real value of your annual Roth IRA contributions. Lucas and Luna explain why the $7,000 limit in 2026 buys less than it did in 2020, how the IRS's cost-of-living adjustments lag actual price increases, and what investors can do — like prioritizing early-year contributions and pairing Roth accounts with I bonds or TIPS. They walk through a concrete example: a 30-year-old contributing the max for 35 years loses over $300,000 in purchasing power at 3% average inflation. The episode also covers the donation segment for listener support and ends with a practical checklist for inflation-proofing your retirement strategy. #RothIRA #Inflation #ContributionLimits #CostOfLivingAdjustment #IRS #RetirementSavings #PurchasingPower #TIPS #IBonds #RealReturn #SequenceOfReturns #EarlyCareer #Finance #PersonalFinance #Investing #FexingoBusiness #BusinessPodcast #TaxFreeGrowth Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • Roth IRA Qualified Distributions vs Nonqualified Withdrawals

    Roth IRA Qualified Distributions vs Nonqualified Withdrawals
    2026/06/03
    Episode 28 of Roth IRA with Fexingo clears up the single most misunderstood rule in retirement planning: the difference between a qualified distribution and a nonqualified withdrawal. Lucas and Luna walk through the actual IRS ordering rules — contributions come out first, then conversions, then earnings — and explain why a $10,000 first-home withdrawal might still trigger a penalty if you don't track your five-year clock correctly. They use a concrete example: a 30-year-old who contributed $6,000 per year for five years, then converts a $50,000 traditional IRA balance in 2026. The hosts also cover the pro-rata rule for Roth IRA conversions, the pitfalls of taking earnings out early, and one real-world strategy to avoid the 10% penalty entirely by keeping contributions in a separate money-market fund. Perfect for anyone who has ever wondered, 'Wait, can I take my Roth IRA money out or not?' #RothIRA #QualifiedDistribution #NonqualifiedWithdrawal #RothIRARules #IRS #RetirementPlanning #FiveYearRule #RothConversion #ProRataRule #EarlyWithdrawalPenalty #FirstHomePurchase #TaxFreeGrowth #ContributionBasis #Earnings #OrderingRules #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    14 分