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Discover the 10 stress tests and 3-bucket strategy that could potentially help prevent you from outliving your savings? Retirement Checklist:  https://bit.ly/3UdQwX2  Get your Modern Confidence Score: https://bit.ly/4AVnCeL  Meet with us: https://bit.ly/4s12Bvm Education center:  https://bit.ly/4jKQXCw Chapters: 0:00 - When are you going to die? The number one risk in retirement. 1:40 - What is longevity risk and why does it amplify all other retirement risks? 4:02 - What are the 10 core areas you must stress-test in your financial plan? 11:38 - What is sequence-of-returns risk and why does withdrawal timing matter? Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m  https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG  https://youtu.be/0aTNMm24d3g  https://youtu.be/AnHLRhM2xw8   https://youtu.be/A0qJfqNXG7k  Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, insurance, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Uncle Sam is your silent partner in retirement. Learn 5 tax strategies, and other helpful information regarding retirement taxes. Retirement Checklist: Retirement Plan Checklist: https://bit.ly/3TcNXnS  Get your Modern Confidence Score:  https://bit.ly/4dhfdIF  Meet with us:  https://bit.ly/4hAIYFz Education center:  https://bit.ly/3W1U52Y Chapters: 0:00 - Cold Open: How $1 over an IRMAA bracket spikes your Medicare premium 3:44 - 5 Bite-Sized Segments: Managing your retirement tax bill 6:15 - Why withdrawals from pre-tax 401(k)s and IRAs are taxed as ordinary income 12:20 - 2026 Tax Rules: Standard deductions and the $6,000 Senior Tax Deduction 17:24 - What is Tax Gain Harvesting and how do I reset my stock cost basis? 27:10 - What is Medicare IRMAA and how does $1 over the bracket trigger a cliff? 29:05 - How to appeal Medicare IRMAA surcharges using IRS Form SSA-44 Send us a questions to be featured on the show at: [email protected] For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos:  https://youtu.be/V6WM3iE0iow  https://youtu.be/A0qJfqNXG7k  https://youtu.be/AnHLRhM2xw8  https://youtu.be/ETdot5JU504  Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, insurance, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

59 million family caregivers deliver $1 Trillion in unpaid care annually. Learn the 5-step checklist to supervise care without draining your nest egg. Retirement Checklist: Retirement Plan Checklist:  https://bit.ly/4y60QiE  Get your Modern Confidence Score: https://bit.ly/3Tgx6QW Meet with us:  https://bit.ly/4xC93tY Education center:  https://bit.ly/4AmJvmX Chapters: 0:00 - Reaction Video: Why long-term care tears unprepared families apart 1:02 - Introducing the 5-Step Long-Term Care Checklist 3:10 - Step 1: What is long-term care and what options exist beyond nursing homes? 6:18 - Step 2: What is the true financial cost of nursing homes and in-home care? 9:57 - Step 3: How do I stress-test my retirement plan for a $130,000/year care stay? 15:04 - Step 4: What are the 5 main options for funding long-term care? 21:48 - Step 5: How do I hold a family meeting so my kids supervise care instead of providing it? Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/BShJFw8MmK4 Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Unplanned RMDs and category inflation can double your living costs and trigger Medicare surcharges. In today's episode we tackle 5 Retirement Plan Checklist Items! Retirement Checklist: Retirement Plan Checklist: https://bit.ly/4yC6sAR  Get your Modern Confidence Score: https://bit.ly/4huGyJI Meet with us:  https://bit.ly/4xtqtZy Education center:  https://bit.ly/4yifnrL Chapters: 0:00 - Retirement Roulette: Spinning the Retirement Planning Checklist 0:41 - Topic 1: Why will my taxes and Medicare premiums increase in retirement? 4:05 - Topic 2: How do I plan a flexible budget for travel and unplanned home repairs? 7:08 - Topic 3: Why did stocks and bonds drop together and how do I fix my fixed income? 11:25 - Topic 4: What is the correct tax withdrawal order for my 3 account buckets? 17:50 - Topic 5: How does category-specific inflation double my cost of living? Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f   https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q   https://youtu.be/BL2pmLI8dRw  Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

The SECURE Act requires most inherited IRAs to be emptied in 10 years. Learn how to navigate RMD rules and the potential 25% IRS tax penalty. Get your Modern Confidence Score: https://bit.ly/4xGJHf6  Meet with us:  https://bit.ly/4ykyDnK Education center: https://bit.ly/46bP75V   0:45 - Welcome to America's Wealth Management Show with Dean Barber RFC® & Chris Rett CFP®. 2:05 - What is the SECURE Act 10-Year Rule for inherited IRAs? 4:30 - How did the 2019 SECURE Act eliminate the original Stretch IRA strategy? 7:07 - What is the IRS excise tax penalty if I miss an inherited IRA distribution? 8:57 - Why inheriting an IRA during my peak earning years creates a major tax trap 13:08 - Why is Congress using inherited IRAs as a hidden "death tax"? Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f   https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q   https://youtu.be/BL2pmLI8dRw  Sources:  https://www.irs.gov/pub/irs-drop/td-10001.pdf   https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs        Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Discover 5 wealth protection strategies that could possibly defend your nest egg against crashes, taxes, and inflation. Get your Modern Confidence Score: https://bit.ly/4iKfirz  Meet with us:   https://bit.ly/46Bny5U Education center:  https://bit.ly/4cUSIsC Video Chapters: 0:33 - Introduction: 5 Wealth Protection Strategies with Dean Barber & Chris Rett 1:37 - Strategy 1: How do I avoid unnecessary market and concentration risk? 12:17 - Strategy 2: How do my CFP and CPA work together to lower my lifetime taxes? 15:14 - Strategy 3: How do I audit my risk profile? 18:58 - Strategy 4: How do I plan for healthcare and memory care inflation? 21:50 - Strategy 5: How do I structure my estate plan to pass wealth to my heirs? 24:24 - Conclusion: Defending what you've built Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f  https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q  https://youtu.be/BL2pmLI8dRw   Sources: • https://statoasis.com/post/sp500-drawdowns-since-1870  • https://www.usinflationcalculator.com/inflation/historical-inflation-rates/   ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Get your Modern Confidence Score: https://bit.ly/4y1uF3c  Meet with us: https://bit.ly/3Ug5P1e Education center: https://bit.ly/46lcMAK Asking how much money you need to retire is the wrong question. Learn how to calculate the exact income gap needed to make work optional. Video Chapters: 0:00 - How much do I need to retire? 0:58 - What does it mean to make work optional? 2:03 - Vanguard 401(k) Data: Why average balances mask median realities 3:08 - Necessary vs. Discretionary Spending: Mapping your lifestyle 6:42 - $3M with no plan vs. $1.5M with a plan 9:48 - Why $1 Million in a Traditional IRA is not $1 Million in a Roth 13:09 - How do I calculate my financial independence gap? 18:13 - Managing the 5 biggest retirement risks: Inflation, taxes, and market drops Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f  https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q  https://youtu.be/BL2pmLI8dRw   Sources: https://workplace.vanguard.com/insights-and-research/report/how-america-saves-2026.html?cmpgn=IIG:TL:HAS:HAS26:SRCH:PS:UF:TL:GG:Unknown:Exact:TLEAD:20260616:BD:NONE:NONE:KW:AmericaSavesReport&gclsrc=aw.ds&gad_source=1&gad_campaignid=17413933188&gbraid=0AAAAADx4guzAuPHqjyjSbxL4X5ag-L7BD&gclid=Cj0KCQjwnbrUBhDOARIsAKKhPpe5nxyXM6HUklKpp97Q0sCUjcYJ4WOUtZb9VO-TfRDyo98mPxRAmTgaArWsEALw_wcB  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Get your Modern Confidence Score: https://bit.ly/4wAEhkA  Meet with us:  https://bit.ly/4gnASj0 Education center:  https://bit.ly/4xP2l44 When a spouse passes away, taxes spike and 401(k) rules trigger. Learn the 30-day checklist and critical landmines to protect your surviving family. Video Chapters: 00:00 - Case Study: How a missing ERISA waiver disinherited three adult children.   01:05 - What do I do first when my spouse passes away? 07:05 - First 30 Days Checklist: How many death certificates do I actually need 11:05 - Why do beneficiary designations on 401(k)s override my Will or Revocable Trust? 19:22 - The Single Filer Tax Trap: Why taxes spike after losing a partner 25:20 - Will my estate be forced into public probate court without a trust? Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f  https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q  https://youtu.be/BL2pmLI8dRw  Sources: https://www.irafinancial.com/blog/beneficiary-forms-self-directed-ira-solo-401k/  https://finance.yahoo.com/markets/options/articles/2-1-trillion-sits-31-153318096.html?guccounter=1  https://www.congress.gov/crs-product/R43637  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Is hiring a financial advisor actually worth the fee? Learn about the positives and negatives of working with a financial advisor. Get your Modern Confidence Score: https://bit.ly/4z1pNfO  Meet with us:  https://bit.ly/4wL6fem  Education center:  https://bit.ly/459bFni  Video Chapters: 01:07 - Core Question: Are financial advisors actually worth the fee? 06:36 - Fiduciary vs. Commission Broker: Spotting the red flags. 09:48 - Is my advisor doing full-service planning or just managing investments? 13:16 - How does pulling $100,000 from my traditional IRA trigger a massive tax bill?   16:35 - What questions should I expect my financial advisor to ask me? 21:45 - Reaction Video: 3 things I wish I knew before hiring a financial advisor. Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f  https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q  https://youtu.be/BL2pmLI8dRw  Sources: https://www.kitces.com/blog/financial-advisor-client-onboarding-relationship-expectations-questions-communication-relationship-expectations/  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Get your Modern Confidence Score:  https://bit.ly/4fSPzdD Meet with us: https://bit.ly/4w6hdtx  Education center:  https://bit.ly/3RMjJr1 33% of workers have more credit card debt than retirement savings. Discover the 4 critical financial milestones to hit before turning age 50. Video Chapters: 0:00 - Introduction: 33% of workers have more credit card debt than retirement savings? 1:14 - Welcome to America's Wealth Management Show 2:18 - Milestone 1: Build a Retirement Savings Foundation 7:12 - Milestone 2: Eliminate High Interest Debt 12:06 - Milestone 3: Establish an Emergency Fund 13:01 - Milestone 4: Create a Comprehensive Investment Strategy 17:38 - Milestone 5: Develop a Clear Retirement Income Plan. 22:20 - Hosts Discuss Video: 3 Problems With Retiring Early by @HowToRetire 33:30 - Hosts discuss mindset shifts in retirement from r/retirement subreddit Send us a questions to be featured on the show at: [email protected]  For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f  https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q  https://youtu.be/BL2pmLI8dRw  Sources: https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire   https://youtube.com/shorts/W2YrEpReHro?si=6nwjysaynlKxHeZi   https://fred.stlouisfed.org/series/TERMCBCCALLNS  https://www.schroders.com/en-us/us/institutional/media-center/to-retire-comfortably-plan-participants-say-they-need-1-2-million/  https://www.reddit.com/r/retirement/comments/1udx5t5/seems_like_a_blessed_life_but_its_just_tuesday/   ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Get your Modern Confidence Score: https://bit.ly/4ftOUAs  Meet with us: https://bit.ly/4fuisOf Education center: https://bit.ly/4wtIBCJ Crossing the $2 million portfolio threshold may need shifting from simple saving to strategic tax engineering. Learn 5 advanced strategies to protect your wealth. Video Chapters: 0:00 - How do I protect my $2 million portfolio from unexpected taxes? Intro to high-net-worth coordination. 4:46 - Strategy 1: How do I use a Donor-Advised Fund to exceed the $35,000 standard deduction? 16:00 - Strategy 2: How do I qualify for a 0% capital gains rate on $150,000 of income? Harvesting gains in low-income years. Subscribe to Modern Wealth Management for more educational content: 24:40 - Strategy 3: How do I use the $19,000 gift exemption to transfer wealth with warm hands? Lifetime family transfers 31:16 - Strategy 4: How do I smooth my income brackets with strategic Roth conversions? Flattening income tax valleys. 32:38 - Strategy 5: How do I manage taxes during a business sale or RSU stock vesting? Executing equity compensation liquidations. 35:35 - How Marty James used in-kind CRT distributions to avoid capital gains. 39:13 - Questions from viewers: Can I withdraw converted Roth IRA funds immediately without a penalty? and How do I stress-test my plan against a market crash and Social Security cuts? Send us a questions to be featured on the show at: [email protected]  For more educational content visit:  https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f  https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q   https://youtu.be/BL2pmLI8dRw  Sources: https://www.modwm.com/2026-tax-brackets/  www.irs.gov/businesses/small-businesses-self-employed/whats-new-estate-and-gift-tax  https://www.modwm.com/trump-accounts/  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

Learn about preparing for retirement while caring for children and aging parents also known as: 'life in the sandwich generation' in today's episode! Get your Modern Confidence Score: https://bit.ly/3RbdvAJ  Meet with us:  https://bit.ly/4vOY3bD Education center: https://bit.ly/4fh2QxE Video Chapters: 0:00 - How do I support my aging mom and adult daughter at the same time? Dean Barber introduces the Sandwich Generation juggling act. 1:57 - What does the MIT Age Lab study reveal about human longevity trends? Discussing the 8,000-day life blocks. 05:17 - Where do retirees pull their monthly income from? Analyzing Social Security, savings, and pension metrics. 07:08 - How do healthcare costs impact my retirement savings? Factoring medical inflation into your plan. 20:23 - What is a Family Assistance Budget and how does it prevent retirement problems? 22:32 - Reaction Video: John Diel explains the 3 MIT questions that predict quality of life. Light bulbs, ice cream, and lunch partners. 31:52 - 3 Mistakes to avoid for the sandwich generation. Subscribe to Modern Wealth Management for more educational content: https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=CKPA7Zm1KoiJv4NB  https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n   https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC  https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0  https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP  Sources: https://agelab.mit.edu/static/uploads/three_questions_that_can_predict_future_quality_of_life.pdf  https://youtu.be/eBYkoJ6DMGU?si=qOcQTuxJZ4rkLS3Q  https://www.pewresearch.org/short-reads/2022/04/08/more-than-half-of-americans-in-their-40s-are-sandwiched-between-an-aging-parent-and-their-own-children/   https://www.bankerslife.com/insights/personal-finance/navigating-financial-caregiving-and-the-sandwich-generation-7-smart-strategies-for-2026/   https://www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years/  https://youtu.be/eBYkoJ6DMGU  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

May inflation hit a 3-year high of 4.2% due to Middle East energy shocks. Learn how a dynamic bucket approach protects your wealth from a portfolio purge. Get your Modern Confidence Score: https://bit.ly/4yj5avj  Meet with us: https://bit.ly/4ythtW8 Education center: https://bit.ly/4f3S51t Video Chapters: 0:00 - Is moving my retirement into a 3% savings account a safe move? 1:33 - Why did May inflation spike to a 3-year high of 4.2%? Breaking down the latest BLS consumer price data.     03:30 - Is the 2026 inflation bump a temporary world event or a 1970s-style collapse? Separating short-term shocks from structural trends.   05:51 - Should you use 2.5% inflation when retirement planning? Exposing flawed assumptions.  18:42 - Reaction Video:  21:14 - How do I use a 3-bucket strategy for retirement? 26:44 - Don't Do That: Why you shouldn't make financial decisions out of fear. Check out our other videos: https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n  https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC  https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0   https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP  Sources: • Bureau of Labor Statistics. (2026, June 10). Consumer Price Index – May 2026. U.S. Department of Labor. https://www.bls.gov/news.release/cpi.nr0.htm   • CBS News. (2026, June 10). Rate rises to 4.2% amid Iran war pressure. CBS Interactive. https://www.cbsnews.com/news/cpi-report-today-may-2026-inflation-iran-war-trump/  • https://www.pbs.org/newshour/show/hormuz-standoff-the-largest-supply-shock-ever-experienced-says-global-energy-expert  • https://www.cbsnews.com/news/cpi-report-today-may-2026-inflation-iran-war-trump/  • https://officialdata.org/inflation-cpi-categories#All-items|Medical-care   • https://www.mercer.com/en-us/insights/us-health-news/employers-prepare-for-the-highest-health-benefit-cost-increase-in-15-years/  • https://fred.stlouisfed.org/series/MSPUS  • https://youtu.be/YP5nXSKWDd0  https://www.youtube.com/shorts/WUkMbBtlHRk  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

The One Big Beautiful Bill Act changed our tax brackets. Learn how to navigate the new rules and protect your retirement from hidden tax traps. Get your Modern Confidence Score: https://bit.ly/4wst8Cx  Meet with us: https://bit.ly/3RnQSsM Education center: https://bit.ly/3SR4FZg Video Chapters: • 0:00 - What is the difference between tax planning and tax preparation?  • 3:45 – How will my taxes change once I stop working and retire?  • 04:52 - What is the One Big Beautiful Bill Act? • 10:26 - How do I claim the new $6,000 Senior Deduction after age 65? Income rules for single and married households.  • 12:40 - How do I qualify for a 0% tax rate on $144,000 of stock dividend income? Combining deductions to eliminate capital gains tax drag.  • 14:36 - Reaction Video: who benefited from the OBBBA? By   • 19:35 – Don't Do That Segment: How a blind $80,000 IRA withdrawal triggers a tax trap.  • 23:27 - How do I prevent my qualified dividends from jumping from 0% up to 15%? Protecting boundaries from bracket creep.  • 31:59 - Is financing a new truck at 7% cheaper than withdrawing cash from my traditional IRA? Minimizing Medicare premiums via auto financing lines.  • 33:47 - How do I fill up my 12% tax bracket with Roth conversions before my RMD age cliff at 73? Defending your estate from future tax bombs.  Check out our other videos: https://youtu.be/KnyVDMmRj1g?si=H6uBeVdEdEwKH56n  https://youtu.be/kkO1bPbz6TA?si=vi9gxvb0XhzxpgFC   https://youtu.be/wcnhA3SQH3M?si=xAVw4xXZztX3XnN0   https://youtu.be/ZG3-XmhvWEs?si=eyypCj_XOL_oBsmP   Sources: https://www.modwm.com/maximizing-social-security-benefits/   https://www.modwm.com/retirement-tax-planning-after-the-one-big-beautiful-bill-act/   Committee for a Responsible Federal Budget. (n.d.). How Much Would OBBBA Pay For Itself?  https://www.crfb.org/blogs/how-much-would-obbba-pay-itself  H&R Block. (n.d.). One Big Beautiful Bill tax changes: How and when they impact you.  https://www.hrblock.com/tax-center/irs/tax-law-and-policy/one-big-beautiful-bill-taxes/  Internal Revenue Service (IRS). (n.d.). One, Big, Beautiful Bill provisions.  https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions  Penn Wharton Budget Model. (2025, June 29). Senate-Passed Reconciliation Bill (OBBBA) Budget, Economic, and Distributional Effects.  https://budgetmodel.wharton.upenn.edu/p/2025-07-01-senate-reconciliation-bill-budget-economic-and-distributional-effects-june-29-2025/  Tax Policy Center. (n.d.). One Big Beautiful Bill: What We Know So Far. https://taxpolicycenter.org/taxvox/one-big-beautiful-bill-what-we-know-so-far  https://fiscaldata.treasury.gov/   ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

According to Empower, the average 65-74 year old on their dashboard has $1.14M saved, yet fear paralyzes many from enjoying it. Learn the 5 signs you are over-saving at the expense of your life. Meet with us: https://bit.ly/4y76QrV Education center: https://bit.ly/4p74wgs Modern confidence score: https://bit.ly/4vaklEt  Video Chapters  0:47 - The five signs of retirement over-saving 4:34 - Sign 1: Am I just maxing out my 401(k) because I don't know what else to do? 9:59 - Sign 2: Fear of Inflation 18:46 - Sign 3: Greed 27:15 - Sign 4: Did I put too much money inside my traditional pre-tax 401(k) bucket? 30:07 - Sign 5: Am I trading my healthy "go-go" years away for a tiny portfolio return? Shifting from account numbers to physical health currency .   31:48 - Bonus Sign: Am I setting up my family for an expensive, unplanned conflict?  33:03 - Reacting to  @MoneyGuyShow   Sources:  @MoneyGuyShow  - How Much Should I Save To Retire Early?   https://youtube.com/shorts/8StrdP0-dVU?si=zr_WCl3VWpkgWR86  Insights provided by Chris Rett, CFP®, AIF® and Hayden Pudenz of Modern Wealth Management Empower Estimates: Are You Ready for Retirement? (2026 Average Retirement Savings Data) https://www.empower.com/the-currency/money/average-retirement-savings-by-age    https://www.federalreserve.gov/econres/scf/dataviz/scf/table/#series:Retirement_Accounts;demographic:agecl;population:all;units:median;range:1989,2022   https://www.allianzlife.com/about/newsroom/2026-Press-Releases/Fear-Of-Running-Out-of-Money-Over-Death-At-Record-High   https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds   https://bradfordtaxinstitute.com/Endnotes/IRC_Section_401a9.pdf   https://www.law.cornell.edu/uscode/text/26/401   https://www.philanthropyroundtable.org/hall-of-fame/andrew-carnegie/  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.