In this episode of Wealth Wisdom with Stuart J. Spivak, we tackle one of the hottest topics on everyone’s mind—tax planning in a post-election world. With the elections behind us and a new administration setting priorities, it’s time to prepare for potential tax changes and ensure your retirement plan is secure.

Join Stuart J. Spivak and co-host James Andersen as they break down key strategies for tax efficiency, including how to diversify your accounts for maximum savings and why proactive planning is the key to long-term success.

Main Points Discussed:

- Why tax planning shouldn’t be based on 4-year election cycles but rather 10-20 year strategies.

- The difference between taxable, tax-deferred, and tax-free accounts—and how to structure your portfolio for maximum savings.

- Tax location planning: What it is and why it’s crucial for retirement security.

- The importance of proactive planning versus reactive accounting when it comes to minimizing taxes.

- Strategies for tax-loss harvesting, gain-loss offsetting, and managing taxable investment accounts to save 1-3% annually.

- Real-life examples of how proper tax management saved clients thousands.

Don’t leave your financial future to chance. Tune in now to learn how to protect your retirement income and save on taxes.

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In this inspiring episode of Wealth Wisdom with Stuart J. Spivak, Stuart dives into the importance of giving back while reducing taxes through Donor Advised Funds (DAFs).

He also shares the heartwarming story of The Driven Project, a charity providing unforgettable experiences to terminally ill children. Discover how you can make a difference while maximizing your tax benefits!

Main Points Discussed:

• The Driven Project and Stuart's experience as a title sponsor, supporting critically ill children through supercar therapy.
• What Donor Advised Funds (DAFs) are and how they can help you combine charitable giving with smart tax planning.
• Real-world examples of clients using DAFs to offset taxes from property sales, Roth conversions, and investment gains.
• How DAFs can be used to teach charitable values to children and involve the whole family in giving back.
• Tips for setting up your own DAF and using it strategically to lower taxes while supporting causes you care about.

Don’t miss this episode if you want to learn how to align your charitable goals with smart tax planning!

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Welcome to another episode of Wealth Wisdom with Stuart J. Spivak, where we help you navigate the financial journey to—and through—retirement.

In this episode, Stuart Spivak shares timely insights as we close out 2024, a year of market highs and economic uncertainty. Whether you’re planning to retire soon or are already in retirement, Stuart explains why the descent down the “financial mountain” can be even riskier than the climb—and how to avoid costly mistakes.

Main Points Discussed:

- The Financial Mountain Analogy – Why retiring is like climbing Mount Everest and how most mistakes happen on the way down.

- Key Retirement Risks – Running out of money, market downturns, and poor withdrawal strategies.

- The Impact of Inflation – Why higher costs of living are here to stay and how to combat inflation with smart planning.

- Portfolio Protection Strategies – Building income buckets, diversification, and securing predictable, reliable income streams.

- Market Volatility & Elections – Preparing for uncertainty in 2025, including inflation trends and potential policy changes.

Ready to take control of your financial future? Listen to the full episode on YouTube or your favorite podcast platforms like Spotify and Apple Podcasts.

Don’t forget to subscribe for more insights and tips to help you retire with confidence!