show episodes
 
While we all have dreams of simplifying our lives, it is not easy. Our podcast is here to help. It focuses on topics that can help make your life easier -- from finances and wealth planning, to your health, travel and more. It’s about putting life in perspective and having a game plan. Questions or topics you would like us to discuss, email podcast@marinerwealthadvisors.com or visit http://www.marinerwealthadvisors.com/podcast
 
On this retirement investing podcast, financial planner Joe Anderson, CFP® and certified public accountant Big Al Clopine answer your money questions about investing, portfolio diversification, how to reduce taxes, creating retirement income, collecting Social Security benefits, how much you can spend in retirement, Roth conversions, and more. Retirees and pre-retirees listen to this irreverent and informative personal finance podcast to laugh as they learn strategies that can help them reti ...
 
Every week Jake Rivas, Financial Advisor To Millennials, will hit the streets, coffee shops, and restaurants to get raw feedback from YOU about the real financial obstacles you are facing today. Jake will help you take the guesswork out of managing your money choices while curating and sharing the best advice and insights into making smart money choices. Jakes Two Cents will help you navigate credit, financial debt, saving for the future, student loans, mortgages, travel, money, lifestyle, a ...
 
Welcome to the tax mastery podcast a business community outreach network of business owners teaching business owners. I am your host Jonathan McGovern founder of Kwikefile Professional Income Tax and Accounting Service and I am glad you have you taken time to learn and share with us today. Tax Mastery helps the business owner and individual to understand income tax strategies. Our mission is to educate our audience on matters of finance, taxation, and business management.
 
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show series
 
Are you screwing up your Backdoor Roth IRA conversion? Find out. Plus, tax on mega-Backdoor Roth conversions, Medicaid spend-down rules and your Roth IRA, and Joe and Big Al take a burning confession about Roth conversions and IRS form 8606. Also, more on Vanguard’s VTSAX and dividend yield, and various options for investing for minor kids includin…
 
Industries continue to work towards pre-COVID conditions, and now that we are weathering through this storm we can’t help but look ahead. Brian Kempf, principal at Rea & Associates, shares his experience in the agricultural industry, the current economic impacts, what the industry may look like in the future, and the estate planning and tax conside…
 
In this two part episode Jake and Kirk go through a recent Wall Street Journal article that presents 30 pieces of advice given by financial experts from various professions, each explaining a unique mistake people make during a recession. The article has CEOs, CFOs, financial analysts, CFPs and everything in between. Jake and Kirk read each piece o…
 
Armin Martens, CEO of Artis REIT is our guest TODAY on The Tetrault Show. He has been actively involved in the construction, development and management of commercial real estate for over 30 years. Armin is the founding Chief Executive Officer of Artis REIT, a position he has held since 2005. He obtained a Bachelor of Science (Civil Engineering) deg…
 
How might Joe Biden's or Donald Trump’s changes to the lifetime estate tax exemption impact your estate plan? Plus, is there any reason to have pre-tax retirement accounts? How long does money have to be in a traditional IRA before a backdoor Roth conversion? Can annuities be converted to Roth? And more on dividends, long term capital gains, Vangua…
 
Working toward normalcy is what we all are striving for, but it may take a little bit longer than we all anticipated - especially if you own and/or manage a restaurant or one of the other small- to mid-sized businesses that were hit especially hard by COVID-19. So, how can you survive economic uncertainty and rebound from the coronavirus crisis? Th…
 
On this episode Jake and Kirk discuss an article by the New York Times which gives financial guidance to young professionals during this pandemic. Kirk explains some of the lessons he has learned as well. Some of the guidance given may sound familiar, but there are some profoundly new perspectives to consider. Here is the article: https://www.nytim…
 
After spending years building up a business, many people may hesitate when it comes time to sell off an asset that has become precious to them. Denise Logan, author of The Seller’s Journey, discusses aspects of selling a business and how this transaction goes much deeper than just monetary value. She shares experiences such as what can cause a deal…
 
Answering questions across the financial and retirement spectrum, with topics like when your traditional IRA is growing faster than you can convert to Roth, consolidating retirement savings, annuities, the SECURE Act and inherited IRAs, undoing SEP-IRA contributions, Roth conversions after age 72, offsetting conversion gains against tax-harvested l…
 
Businesses and individuals continue to be greatly affected by the lasting impact of COVID-19. But as we take a look at the industries across the board, construction may be one of the few that has had a positive outcome as a result. Today, David Catanese and Jack Kehl Surety from Overmyer Hall Associates share what they foresee for the construction …
 
On this episode Jake and Kirk will be reacting to a clip from the Joe Rogan Experience with guest Peter Schiff. Joe and Peter discussed various aspects of the effects of shutting down the economy, from monetary effects to commercial real estate and more. You’ll be able to hear this clip from Rogan and hear Jake and Kirk’s responses and commentary. …
 
Is timing the market and day trading in your Roth IRA in retirement a good idea? How are you taxed if you collect dividends vs. reinvesting? Plus, tax loss harvesting, asset allocation, investing in bonds, the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) for spousal Social Security, and IRA vs. 529 plan for a newborn. Wh…
 
Searching for business relationships that are right for your organization can be quite the challenge, but understanding your boundaries as a business and creating best practices to follow could be the key to a healthy relationship with your client. On this episode of unsuitable, Mark McKinley, Regional President of West Central Ohio at Rea & Associ…
 
In this episode Jake and Kirk discuss an article in The Economist about the art and science of bubbles. Today, with the advent of day-trading apps like Robinhood, bubbles have become more prevalent and harder to identify. In this show we discuss what a bubble is and is not and why they are important to understand for our financial future. Here is t…
 
How do you report a backdoor Roth IRA conversion over two tax years, and is there a point at which the backdoor Roth doesn’t make sense? Plus, more strategizing for your Coronavirus related distribution, stimulus (and possible future stimulus) tax planning, and your self-employed, small business retirement plans. And finally, listener comments. Fil…
 
Staying compliant as an employer is more important than ever, but with ever-changing policies, it can be tough to keep up with the government's requirements. As businesses struggle with employee retention and recruitment, it is imperative that you understand the current regulations. Luckily, Renee West, senior manager at Rea & Associates, is going …
 
In this episode Jake and Kirk investigate (or try to wrap their heads around) the executive order to defer payroll taxes. Defer till when you say? Well you’ll have to listen to the show! (ok we don’t know either). What is this order supposed to accomplish? What is it really all about? What’s President Trump’s agenda? Check out this episode to find …
 
The YMYW Retirement Plan Spitball Analysis was so popular that it’s time for part 2! Where do Roth IRA conversions, primary residences, and rental real estate investment properties fit in your retirement plan? How much Social Security is taxed, and will taking your pension lump sum before Social Security impact your taxes? Fill out the podcast surv…
 
From family fun to competitive atmospheres, golf is a game that can be enjoyed by a wide variety of audiences. Not just a leisure activity, golf can have both physical and mental health benefits as well. For this episode, we invite pro golfer turned wealth consultant, Kevin Ward, to join us and share his knowledge of the game as well as tips for im…
 
With the 2020 elections approaching and the uncertainty of what the future holds for COVID-19, we can expect to see new legislation and tax-related provisions over the next few months. Today, Chris Axene, principal at Rea & Associates, shares some of the decisions we can expect to see from the Supreme Court, as well as some of the questions you sho…
 
In this episode Jake and Kirk discuss the Robinhood app, a new global phenomenon where millions of people can trade in individual stocks with just a few dollars. Jake discusses how to think about using this app in your financial portfolio, and whether or not it is healthy to use it as an important investment tool. *“Tax preparation, planning, IRS r…
 
For more info on myself and the team: https://robtetrault.com/about/ Robert Young has covered the Canadian technology sector since 2008 and joined Canaccord Genuity as part of the integration of Genuity Capital Markets in 2010. Awards include Starmine’s No. 1 stock picker in Canadian IT Equipment. Previously, Robert worked as a technology strategy …
 
Tax planning for Roth IRA conversions with itemized deductions, dividends, and long term capital gains, a Roth conversion vs. investing a 401(k) distribution in your Roth, separating pre-tax and post-tax money for a rollover, and gong baths. Plus, is a 3 year fixed annuity a safe place to earn more than 20 basis points? What should you do if you’re…
 
Embracing diversity and inclusion in the workplace is one of the many things that can strengthen your company culture (and bottom line), but a lot of employers don’t understand how and when to start taking action. So we invited Desiree Lyon, Human Resource Manager at Rea & Associates, onto the show to teach us about the importance of diversity in t…
 
Jake and Kirk discuss FAANMG (Facebook, Apple, Amazon, Netflix, Microsoft, Google) and ask the question: Is the rise of these enormous corporation a sign of a dystopia? We discuss what a dystopia is and some of our favorite dystopian novels. They also come to a very insightful idea about how reading dystopias can help you plan for your financial fu…
 
Investing strategies for dividend-paying stocks and how the pro-rata rule for Roth conversions work with dividends. Plus, Wealthfront, M1, Paul Merriman? Should young investors use a robo-advisor or pay for financial advice? Also, thoughts on a Vanguard retirement portfolio and ideas for self-employed small business owners to save money in retireme…
 
In a short period of time, banks have drastically changed the way they operate in the hope of easing the financial anxiety in the marketplace. With commercial banks being at the epicenter of a financial storm, you can’t help but look at all the ways COVID-19 has affected the banking industry; with many challenges and changes, banks had the monument…
 
Do you plan on retiring? Many Americans are beginning to believe this will be a dream they never achieve? In this episode Jake and Kirk discuss the idea of retirement, and some alternative ways to achieve “retirement,” without actually “retiring.” Also, Kirk proposes a plan to solve all of our social security and college debt problems. *“Tax prepar…
 
With CARES Act provisions expiring, Joe & Big Al recap the two new stimulus bills - the HEALS Act and the HEROES Act - now being negotiated in Congress. Plus, estate planning considerations when it comes to required minimum distributions (RMDs) for non-designated and designated beneficiaries. And, the 403(b) escape hatch, Social Security, records o…
 
Long-term care insurance is just for the elderly or chronically ill need, right? While those are common recipients of care, a stroke, sudden disability or other unexpected health issue can raise the need for care to those who may not have planned for it. Asking loved ones if they’re prepared for these situations can be equally difficult. So, we’ve …
 
Continuing to manage your organization's costs can be difficult to keep top-of-mind — especially with everything else going on. COVID-19, a troubled economy, figuring out how to bring employees back to work... you have enough on your mind, and it can be tempting to take the "set it and forget it" approach with your costs. But understanding your tru…
 
Is it a bad thing? Jake and Kirk discuss an article about the biggest tech companies in the world, “FAANMG” Facebook, Apple, Amazon, Netflix, Microsoft, Google. These six companies collectively are driving the US economy, despite the actions of the U.S. government. Can there be positives in this trend? Tune in and share your thoughts.Article: https…
 
LIVE from Monday July 27th 2020 on The Tétrault Show Bruce is a Digital Innovator Finding & Investing in The Next Canadian Wave. He's currently Managing Partner at Round13 Capital and is the co-host of the show ''The Disruptors'' on BNN Bloomberg. You might also recognize Bruce from his days as a Dragon/Investor on CBC's Dragons' Den. He made his m…
 
Joe and Big Al spitball retirement plan considerations, including: - investing in brokerage and Roth instead of pre-tax - getting tax diversification - pension lump sum or annuity - paying for education - calculating a retirement number to put savings on autopilot Plus, what life insurance “investment” has a “guaranteed” 10% return? Do dividend pay…
 
Identifying when it’s time for you to finally retire isn’t an easy decision to make. Then, when you finally do decide it’s time for you to exit the business, you soon realize how difficult it is to actually make the whole “retirement” thing happen. There are so many moving pieces and so many factors to take into consideration that it can actually b…
 
Should you tax gain harvest or do a Roth IRA conversion? Should active or passive investments go in retirement accounts? If you’re on the younger side, why own bonds? Are Vanguard Roth accounts any better or worse than others? What’s the break even on taking Social Security early vs. late? Should you convert your 401(k) or retirement account to Rot…
 
Late last year, lawmakers passed one of the most substantial updates to help business owners with new retirement plans. Today, we are going to take a look at the SECURE Act and the impact it currently has on companies, beneficiaries, and individual retirement accounts. Paul McEwan, principal and director of Benefit Plan Services with Rea & Associat…
 
With the pandemic, protests and civil unrest, many people are asking big questions about the future of our world. One of those questions has to do with the way in which we invest. Investing for pure financial gain may only be one way that future investors may be thinking about their investments. Some investors—perhaps you?—may be interested in inve…
 
Do you have to transfer from a 401(k) to a traditional IRA before you do a Roth IRA conversion? Does the pro-rata rule apply? Also, the logistics of paying the tax on a Roth conversion. Plus, stimulus package updates around paycheck protection program loans, required minimum distributions and Coronavirus-related distributions from retirement accoun…
 
Employers have always grappled with the rising cost of employee healthcare, but ever since COVID-19 reared its ugly head, employers have raised a ton of questions and concerns related to healthcare’s future costs and what they can do to protect their employees as well as their bottom lines. Michael Clark, an employee benefits consultant at Oswald C…
 
In this episode Jake and Kirk explore aa graph that shows how various groups of Americans are spending the trillions of dollars that has been injected into the economy. *“Tax preparation, planning, IRS representation, and business valuation services offered through iFile Tax Planning and Preparation Services are separate and unrelated to Commonweal…
 
It's been a positive week in the markets to end June and start off July. Now that several people are officially in vacation mode and taking some time off, what should we expect to happen in the stock market these next two months? We will be discussing all of this with Martin Roberge, Managing Director of the North American Portfolio Strategy Team h…
 
What impact do ex-spouses, income, and early retirement have on collecting your Social Security benefits? Plus, indexed universal life insurance, estate planning with a step-up in basis on private placement real estate, and more on CRDs, RMDs, and stimulus checks. Joe and Big Al also submit their forecasts for whether Congress might tax Roth IRA gr…
 
This is not the first time we’ve reflected on how the COVID-19 pandemic has changed the way we do business, and it won’t be the last. But today, we’re going to talk about the crisis from a cash flow and cost optimization perspective. Jim Lichtenberg, a strategic partner with the expense reduction consulting company Schooley Mitchell, is here to hel…
 
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