Advertise on podcast: The Roth Guy with Jude Wilson

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min New tax rules for 2026 bring meaningful opportunities- but only if you understand the fine print. In this episode, Jude breaks down two of the most overlooked changes: the new senior tax deduction and updated catch-up contribution rules. We clarify who qualifies, how income phase-outs work, and why these provisions can open the door for smarter Roth strategies. Here’s some of what we discuss in this episode: 🧓 Senior Tax Deduction – $6,000 per person, with income phase-outs 💍 Married Planning Window – Up to $12,000 in additional deductions 🔄 Roth Conversion Strategy – Using deductions to offset conversion taxes 🧾 Catch-Up Contribution Changes – New limits and Roth requirements 🚨 Super Catch-Up Window – Ages 60–63 only (with strict rules) U.S. Debt Clock: https://www.usdebtclock.org/ CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/   CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min We’re excited to be back today with George Rosen and George St Pierre III of Contango Investments, Inc., to dive deeper into what it really takes to buy or sell a business as part of a retirement strategy. In part two of this conversation, the Georges walk through the practical X’s and O’s- from self-assessment and financing realities to SBA loan requirements, due diligence, and why geography and cash flow matter more than most people realize. They also flip the script to the seller’s side, explaining how advance planning and building a strong advisory team can dramatically increase business value. Here’s some of what we discuss in this episode: 🔍 Self-assessment before buying a business 💰 SBA financing, cash flow & debt service coverage 📍 Why location and owner involvement matter 🧾 Due diligence and avoiding costly missteps 🚪 Exit planning that increases long-term value 🧠 The power of a coordinated advisory team Contango Investments: Website: https://contangoinvestments.com/ LinkedIn: https://www.linkedin.com/company/741644/admin/dashboard/ Facebook: https://www.facebook.com/Contangoinvestmentsinc Instagram: https://www.instagram.com/contango_investmentinc/ X:  https://x.com/biz_broker George Rosen: LinkedIn: https://www.linkedin.com/in/floridabusinessvaluations/   CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/   CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min More and more retirees and pre-retirees are looking to leave corporate life not to slow down, but to buy a business and build something of their own. In this episode, Jude sits down with George Rosen and George St Pierre III of Contango Investments, Inc. to explore why business acquisitions are booming, what makes today’s market so unique, and how to tell if buying an existing business is the right path for you. They share real success stories, walk through the due diligence process, explain common pitfalls of going solo, and break down what buyers truly need in order to thrive.   Here’s some of what we discuss in this episode: 💼 Why so many retirees are buying businesses 🌊 The “silver tsunami” creating business opportunities 🧩 Matching the right buyer with the right business 📝 The importance of due diligence 🚫 The pitfalls of DIY business buying   Contango Investments: Website: https://contangoinvestments.com/ LinkedIn: https://www.linkedin.com/company/741644/admin/dashboard/ Facebook: https://www.facebook.com/Contangoinvestmentsinc Instagram: https://www.instagram.com/contango_investmentinc/ X:  https://x.com/biz_broker George Rosen: LinkedIn: https://www.linkedin.com/in/floridabusinessvaluations/   CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/   CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min   As the year wraps up, many investors are scrambling to decide whether a Roth conversion makes sense before December 31st. In this episode, Jude breaks down the logic behind “taxes on sale” and why strategic conversions can become a powerful long-term tool when done correctly. You’ll walk away with a clearer understanding of how to avoid costly mistakes and make smarter year-end decisions.   Here’s some of what we discuss in this episode: 📅 Year-End Roth Deadlines: why December 31st matters and when to act 🇺🇸 National Debt & Tax Rates: how today’s environment shapes tomorrow’s taxes 🧠 Roth Conversion Strategy: avoiding bumps into higher brackets and using “tax bracket filling” 💸 Deductions & Tax Cuts: understanding the temporary nature of today’s tax landscape   CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/   CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Many people think they’re asking the right questions about retirement- but the way those questions are framed often leads to incomplete or even misleading answers. In this episode, Jude breaks down the most common questions he hears and shows how a simple reframing can uncover clearer strategies and more confident retirement decisions. Better questions lead to better answers… and better answers build better retirements.   Here’s some of what we discuss in this episode: ❓ Smarter Questions: why reframing your thinking improves planning 💰 “How Much Do I Need?” Understanding income needs vs. magic numbers 🏥 Long-Term Care: replacing fear-based thinking with practical options 📆 Social Security Timing: choosing based on strategy- not rumors 📉 Cash vs. Risk: avoiding emotional market reactions   CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/   CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Some people believe having two financial advisors means double the wisdom. But does it really equal double the problems? Today, Jude tackles a listener’s question about this very dilemma. At the end of the day, having two advisors usually creates more confusion than confidence. What most people really need isn’t more voices in the mix; it’s one clear, coordinated plan. Here’s some of what we discuss in this episode: ⚖️ Pros & Cons: The advantages and drawbacks of having two advisors ⚠️ Confusion Risk: How conflicting advice can derail your financial strategy 📊 Diversification Myth: Why “advisor diversification” doesn’t equal better results 🧾 Double Fees: How having multiple advisors could quietly increase your costs 📉 Performance Tracking: Why comparing results between advisors can be misleading 🧭 One Captain Rule: Why every financial ship needs a single trusted leader   CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/   CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Healthcare costs in retirement just keep climbing- and the newest Fidelity study shows how serious the challenge has become. In this episode, Jude breaks down what retirees can expect to pay for medical expenses, why those costs are outpacing inflation, and the most overlooked ways to plan ahead. From the hidden expenses Medicare doesn’t cover to how an HSA can serve as a “stealth Roth,” Jude shares actionable strategies to help you prepare for one of retirement’s biggest financial wildcards. You’ll also learn how tax moves like Roth conversions can unexpectedly impact your Medicare premiums and why it’s crucial to factor healthcare into your overall income plan. Here’s some of what we discuss in this episode: 📈 Healthcare costs rising twice as fast as inflation 🏥 Medicare doesn’t cover everything ⚠️ Watch out for IRMAA and tax surprises 🧩 Plan early to avoid financial strain Fidelity Report: https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/   CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

In this episode, Jude tackles two listener questions from the mailbag, focusing on two of the most common retirement concerns: life insurance and investing. First up, what should you do if someone is pitching you a life insurance policy as an “investment”? Jude explains the pros, cons, and the middle ground between the extremes of “buy it all” and “avoid it completely.” Jude also lays out the key questions you need to ask before signing on the dotted line and why your financial goals, not someone else’s agenda, should guide the decision. Then, Jude responds to a saver who has built up a sizable 401(k) balance but admits he doesn’t know what to do next. Here’s some of what we discuss in this episode: 📝 Not all life insurance is created equal ⚖️ Making financial decisions based on your goals 💰 A large 401(k) balance isn’t enough without strategy 🪣 How the “bucket plan” can help give your money purpose 🧘 Structure brings peace of mind The Tax Bomb Calculator: https://retirementtaxbill.com/?u=Z00xeHQrK3lieGhOMlYvdnlNSUIvQT09 Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Choosing between a traditional 401k and a Roth 401k is one of the most common questions workers face today. With more employers now offering both options, many people default to a 50/50 split simply because they don’t know what else to do. But is that really the best strategy? And how do you figure out the right mix for your situation?   Here’s some of what we discuss in this episode: 🏦 Traditional 401k: tax deduction today, taxable withdrawals tomorrow 💡 Roth 401k: after-tax contributions, tax-free withdrawals later ⚖️ Why a 50/50 split isn’t always optimal 📉 The “sweet spot” strategy: maximize deductions + future tax-free income 📊 Using standard deductions wisely to avoid giving money away   The Tax Bomb https://thetaxbomb.com/ Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

For many retirees, Medicare feels like a maze of rules, parts, and choices that only get more confusing the closer you get to age 65. In this episode, Jude is joined by Medicare specialist Kerwyn Jones to bring clarity to one of the most misunderstood pieces of retirement planning. Kerwyn explains the different parts of Medicare- what they cover, what they don’t, and the common pitfalls people make when signing up. Here’s some of what we discuss in this episode: 🧩 Breaking down Medicare Parts A, B, C & D 💊 Understanding prescription drug coverage and gaps 💸 Avoiding costly enrollment mistakes 🛡️ Supplemental coverage: when and why it matters 👥 How Medicare coordinates with employer insurance Learn more about Kerwyn and Jones Insurance Solutions https://jisinsurance.com/about-us Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

This week on the show, Jude answers some of the most common Roth IRA questions! First up: the Five-Year Rule. What does it really mean, how does it apply to contributions versus earnings, and why should you start the clock as soon as possible? Jude breaks it down in plain language with a reminder that waiting too long could delay your tax-free income in retirement. Next, Jude tackles two questions that often go hand in hand: what to do if you make too much to contribute to a Roth IRA, and whether you should convert your entire IRA all at once.    Here are the questions we discuss in this episode: 💭 What is the Roth five-year rule? 💭 What if I make too much to contribute to a Roth? 💭 Should I convert my IRA to a Roth all at once?   Tax Bomb Calculator: www.thetaxbomb.com   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

The Big Beautiful Bill (BBB) passed on July 4th, bringing major changes that retirees and pre-retirees need to understand. In this episode, Jude breaks down the top 3 provisions most relevant to his clients and listeners: the permanent extension of marginal tax brackets, the increased standard deduction, and a new senior citizen deduction that could reduce taxes on Social Security for millions of retirees. These updates offer new opportunities for Roth conversions, long-term tax planning, and smarter retirement income strategies- if you know how to use them.   Here’s some of what we discuss in this episode: 📉 Marginal tax brackets extended, but not forever 🧠 Planning windows and why every tax law is written in pencil 🧾 Higher standard deduction simplifies filing for most 💬 Why “tax-free Social Security” didn’t make it into law 💰 New senior deduction may reduce taxes on Social Security income   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Is your retirement account a ticking tax time bomb? In this episode, Jude gives a hands-on demo of his Tax Bomb Calculator- a powerful tool at thetaxbomb.com- that helps you estimate how much of your 401(k) or IRA could be lost to taxes.   Here’s some of what we discuss in this episode: 💣What is the tax time bomb? 📊 Understanding your future tax liability 🧠 “Mandatory” vs. “optional” taxes in retirement 🔄 The power of reallocating taxable retirement funds 📆 Using today’s low tax rates to your advantage   The Tax Bomb Calculator: https://retirementtaxbill.com/?u=Z00xeHQrK3lieGhOMlYvdnlNSUIvQT09   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

The transition into retirement isn’t just a financial shift- it’s a psychological one. We’re excited to have a special guest on the show this week. Josh Bell, coach and consultant at The Josh Bell Company, is joining us to explore what it really means to leave your job title behind and step into the unknown. Tune into this great conversation on building a retirement life filled with clarity, purpose, and healthy relationships!   Here’s some of what we discuss in this episode: 🧭 Redefining your identity without your career title 🗓️ Designing new rhythms for your daily life ❤️ Navigating relationship shifts in retirement 🎯 The danger of retiring without a plan beyond finances 🎙️ How coaching can be helpful during big life transitions   Learn more about Josh: https://www.joshwbell.com/   Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Wishful thinking feels comforting, but in retirement planning, it can quietly sabotage your future. In this second installment, Jude breaks down five more dangerous assumptions people make when planning for their golden years. From relying too much on Social Security to assuming Medicare will handle long-term care, this episode challenges listeners to face financial realities with clarity and strategy. Here’s some of what we discuss in this episode: 🚫 Common planning mistakes and false beliefs 🏠 Downsizing might not free up the cash you expect 👨‍👩‍👧 Counting on your kids? Think again 💵 Social Security might not stretch far enough 🧯 Putting out fires before it’s too late Retirement Tax Bill Calculator https://thetaxbomb.com/ Connect: Website: https://centrusfs.com/podcast/   Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/