Everywhere you turn these days, people are talking about Roth conversions like they’re the ultimate retirement hack. But from what I’ve seen in working with real families, the truth is… Roth conversions can be overrated.

In this episode of That Financial Guy Show, I share real stories from my own clients — times when a Roth conversion made sense, and times when it would have been a costly mistake.

You’ll hear about:

• A client who almost converted in his peak earning years (and why that would’ve been a tax disaster).
• A retiree who thought she needed to convert late in life (but the math said otherwise).
• A couple ready to convert, but who didn’t realize paying the tax out of their IRA killed the benefits.
• Families who did get it right — using gap years before Social Security and big IRAs that would’ve caused huge RMDs later.

Here’s the bottom line: Roth conversions are a tool, not a cure-all. For some people, they’re brilliant. For others, they’re unnecessary and expensive.

If you’ve ever wondered, “Should I be doing a Roth conversion?” this episode will give you the clarity you need.

Helping you to be wise with your money!
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Most people think saving for retirement is simple: load up the 401(k), defer taxes, and let it grow. But here’s the truth when Required Minimum Distributions (RMDs) hit, Uncle Sam may take a bigger bite than you expect.

In this episode of That Financial Guy Show, I break down:

• Why putting everything into a 401(k) can backfire in retirement.
• The Go-Go, Slow-Go, and No-Go years of retirement spending—and why your healthiest years matter most.
• Real client stories where updating the financial plan changed everything.
• Overlooked wealth strategies like Roth conversions, brokerage accounts, and smart debt reduction.

Retirement isn’t just about having money—it’s about having flexibility and freedom to enjoy life while you can.

👉 Whether you’re 10 years from retirement or already thinking about RMDs, this episode will give you practical strategies to retire smarter, spend with confidence, and avoid costly mistakes.

Helping you to be wise with your money!
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Two people, same age and income, but very different retirement outcomes—what made the difference? It wasn’t luck—it was strategy. In this video, I break down the five essential moves to make in the final five years before retirement. From maximizing savings and designing a steady income plan, to shielding yourself from market dips, optimizing taxes, and envisioning your ideal lifestyle—this is your blueprint to retire confidently and on your own terms. Don’t let indecision or poor planning derail your future. Listen to this episode to take control of your retirement game plan.

Helping you to be wise with your money!
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Are you wondering if you’re truly ready to retire? In this episode, we explore the 8 key signs you’re ready to retire, covering everything from financial planning and health insurance to emotional readiness and lifestyle goals.

Whether you're in your 50s or early 60s and asking, “Can I retire soon?”—this episode breaks down:

• How to tell if burnout and stress are signs it’s time to retire
• Why emotional and mental readiness are just as important as money
• The importance of retiring to something meaningful
• What a solid retirement plan and withdrawal strategy really look like
• How to manage health insurance before Medicare
• Why paying off debt before retirement can make or break your plan

If you’re planning to retire in the next few years—or just thinking ahead—this is a must-listen for anyone who wants to retire with confidence.

Helping you to be wise with your money!
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In this episode of That Financial Guy Show, I breakdown the massive new legislation known as The One Big Beautiful Bill—without the politics, just the financial facts.

What’s permanent? What’s temporary? And most importantly… how does this affect your bottom line?

We cover:

• Permanent tax cuts (and what that really means)
• Bigger standard deductions—especially for seniors
• The new "Senior Bonus Deduction"
• SALT cap changes and estate tax updates
• Tax-free tips and overtime (yes, seriously)
• What’s happening with Social Security taxes
• Trump Accounts for kids—what they are and how they work
• Which provisions are helpful… and which come with strings attached

Some of these changes are great. Others? Not so much. And a lot of them expire in just a few years.

If you’re planning for retirement, paying off debt, saving for your kids, or just trying to keep more of what you earn—this episode is for you.

📌 No politics. Just practical insights.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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🕖 It’s Sunday night. Time for... The Bottom Line.

Tonight’s story starts in a garage.

Two friends. One big idea.
And the company that would put a computer in every home.

But just as fast as it all rose…
He was out.
Fired from the very company he built.

Most people would’ve disappeared.
He got better.

Started over. Bought a little animation studio you might have heard of — Pixar.
And then… found his way back

What came next?
Well… you’re probably holding it in your hand.

🎧 Press play and hear the true story of the ultimate comeback.

“The Garage” — a new episode of The Bottom Line

👇 Audio below.

Helping you to be wise with your money!
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Retirement isn’t just a financial decision — it’s a relationship one. In this episode of That Financial Guy, I walk you through the three (okay, four) critical conversations every couple should have before they leave the workforce.

We’ll cover:

• How to align on your retirement lifestyle and monthly spending
• What to do when one spouse wants to retire early and the other doesn’t
• How to plan for “what ifs” like illness or losing a spouse
• And why dreaming together might be the most powerful financial move of all

Whether you're five years out or already halfway packed for Margaritaville, this episode will help you retire together — not just at the same time.

🎧 Listen in and then ask your spouse the questions that really matter.

Helping you to be wise with your money!
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What happens when you retire… and then unretire just four days later?

In this episode of That Financial Guy, I tell the true story of Jim — a 64-year-old IT professional who thought he was ready for retirement until a surprise tax bill and market dip sent him back to work by Tuesday.

We’ll walk through his short-lived retirement and unpack the three key lessons that could save you from the same fate:

• Why retirement isn’t just a math problem
• How tax diversification can make or break your income strategy
• And the hidden risk of withdrawing in a down market

Whether you're a few years away or already retired, this episode offers real talk, real numbers, and a reminder that confidence without planning can be costly.

👉 Need help stress-testing your retirement? Visit www.wfa-nc.com

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...