Advertise on podcast: Wealth Is In The Details Podcast

Taking time to reflect can bring perspective, clarity, and renewed intention. Looking ahead with purpose helps turn lessons into meaningful action. In this episode, Peter Raskin is joined by the team at Raskin Planning Group, Kathryn Broy, Alexander LaCroce, Tony Araujo, and Declan Davis for the annual Raskin Planning Group year-in-review and outlook conversation.  The team shares personal moments from 2025 that inspired growth, including travel, family milestones, creative pursuits, and career development. They reflect on lessons learned through routines, responsibility, and professional change. The discussion also looks ahead to 2026, focusing on motivation, relationships, teamwork, and intentional planning. Peter and the team discuss: Reflections from Peter Raskin, Kathryn Broy, Alexander LaCroce, Tony Araujo, and Declan Davis on personal moments that shaped 2025 How routines, discipline, and responsibility supported wellbeing and daily balance Professional growth through communication, collaboration, and firm transitions The role of positivity, mindset, and intention when planning for the year ahead Individual goals and motivations for 2026 centered on relationships, learning, and client service And more! Connect with Peter Raskin and the Raskin Planning Group Team:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

A new year often brings pressure to make changes, but thoughtful planning can be a far more useful starting point. Rather than focusing on rigid resolutions, a structured review can help households feel organized and prepared. In this episode, Peter Raskin walks through a comprehensive planning checklist to help individuals and families prepare for the 2026 calendar year. He explains how reviewing the prior year, setting new goals, and anticipating life events create clarity before making financial decisions. The conversation covers age-based milestones, cash flow awareness, assets and debt, tax preparation, insurance reviews, and estate planning, all framed as manageable steps that can be revisited over time. Peter discusses: Reviewing progress from the previous year to identify what worked, what changed, and what can be deferred Setting personal and financial goals while accounting for upcoming life events and transitions Key age milestones tied to health insurance, retirement contributions, Medicare, and Social Security Managing cash flow by examining income, expenses, benefits, gifting, and charitable strategies And more! Resources: Building Your Year-End Financial Checklist (Ep. 142) Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Life can change quickly, and those shifts often leave us reassessing what matters most. Moments of uncertainty can feel heavy, yet they also open space for renewed direction. Thoughtful planning gives structure to those moments and helps guide steady decisions. In this episode, Peter Raskin reflects on the many transitions clients experienced this year and how planning supports clarity through change. He shares real examples of families dealing with retirement questions, concentrated stock positions, charitable goals, and market anxiety. Peter highlights how planning offers direction, keeps people grounded, and creates a path forward no matter what life brings. Peter discusses: A couple juggling income, debt, and a large concentrated stock holding while seeking financial clarity How retirement plans and Social Security timing can shape long-term outcomes Strategies for using charitable gifts, donor-advised funds, and qualified charitable distributions Guiding a retiree who feels pressure from market headlines and fears about volatility Why revisiting a financial plan builds confidence during uncertain periods And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter   This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Turning 65 comes with many decisions, and few are as important or confusing as Medicare.  Between Parts A, B, D, Medigap, and Advantage plans, it’s easy to feel overwhelmed by choices and costs. In this episode, Peter Raskin explains how Medicare works, what each part covers, and how to make informed decisions during open enrollment. He breaks down the differences between Medigap and Medicare Advantage, highlights how income can affect premiums, and shares tips for staying flexible as your health or lifestyle changes. Peter discusses: The basics of Medicare Parts A, B, and D, and what they actually cover The difference between Medigap and Medicare Advantage plans, and how to decide which is right for you How the open enrollment period from October 15 to December 7 allows changes to plans and coverage How IRMAA (Income-Related Monthly Adjustment Amount) can increase premiums based on income Why reviewing your coverage annually is key to keeping up with life changes, travel, and evolving health needs And more! Resources: Medicare.gov – Official U.S. Government Site for Medicare SSA Form SSA-44: Medicare Income-Related Monthly Adjustment Amount Life-Changing Event Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Investors often look for ways to balance cost, performance, and control, but what if there were a method that let you own the actual stocks behind an index and tailor them to your needs? Technology has made that possible through direct indexing, a strategy that’s reshaping how investors think about diversification and tax management. In this episode, Peter Raskin explains how direct indexing works, who can benefit from it, and why it’s becoming an increasingly popular option for investors who want more flexibility, personalization, and tax efficiency in their portfolios. He also compares it to ETFs and mutual funds and shares how his firm integrates this strategy into comprehensive financial planning. Key Takeaways: The difference between buying individual stocks, mutual funds, ETFs, and using direct indexing How direct indexing allows investors to own actual stocks that replicate an index while offering more control The tax advantages of direct indexing through strategic tax-loss harvesting How technology has made personalization possible by letting investors include or exclude specific sectors or companies When direct indexing fits best within a comprehensive financial plan alongside other investment vehicles And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

As the year closes, financial planning opportunities emerge that can set the stage for a stronger future. How do you make the most of tax strategies, savings tools, and estate planning before the calendar turns? What should be reviewed now to avoid last-minute stress in December? In this episode, Peter Raskin shares a practical year-end checklist covering investments, tax strategies, cash flow, insurance, and estate planning. He explains how timely action helps families and business owners finish the year prepared and step confidently into the new one. Peter discusses: Reviewing investment accounts for gains, losses, and portfolio rebalancing Tax strategies, including Roth conversions, charitable giving, and timing of income Maximizing cash flow and savings through HSAs, 401(k)s, IRAs, and 529 plans Evaluating insurance coverage, deductibles, and Medicare enrollment deadlines Revisiting estate planning, gifting opportunities, and beneficiary designations And more! Resources: 2025 Important Numbers – Updated – Raskin Planning Group 2025 Tax Law Updates and Strategic Planning (Ep. 140) Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Insurance can feel like a maze of jargon, rising costs, and confusing policies, but it’s also one of the most important tools for protecting wealth. How do you know if your coverage is enough? When should you shop around, raise deductibles, or consider umbrella protection? In this episode, Peter Raskin talks with longtime friend Robert Mansfield, CPCU, Senior Vice President at HUB International New England, about the essentials of property and liability insurance. Together, they unpack the reasons behind soaring premiums, the critical role of umbrella coverage, strategies for handling claims, and the growing need to protect against scams and fraud. Key takeaways: The difference between insurance agents and brokers, and why working with a broker puts the client first Why premiums for homeowners and auto insurance are rising and the impact of reinsurance and natural disasters The importance of umbrella coverage for protecting assets beyond basic policies Practical strategies for managing deductibles, filing claims, and reviewing coverage regularly How scams and fraud are evolving, and why prevention and awareness are essential for families and businesses And more! Resources: Property and Liability Insurance — With Guest Bob Mansfield (Ep. 18) Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter Connect with Robert Mansfield: LinkedIn: Robert Mansfield Website: Hub International About Our Guest: Robert Mansfield, CPCU, Senior Vice President at HUB International New England, is a seasoned insurance advisor with more than four decades of experience in property and liability coverage. Starting his career in the mail room of his family’s agency in 1977, he gained hands-on knowledge of every part of the business. Today, he works with individuals, families, and organizations, helping clients protect their homes, vehicles, valuables, and assets with the right coverage and guidance. This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

From new tax rules to little-known retirement plan strategies, 2025 is shaping up to be a year of significant changes for many taxpayers. In this episode, Peter Raskin unpacks timely provisions from the “One Big Beautiful Bill Act,” explains a tax-saving approach for employer stock, and addresses the impact of Massachusetts’ Millionaires’ Tax. With practical examples and forward-thinking strategies, he shares how clients are adapting their financial plans to take advantage of new opportunities and avoid costly surprises. Peter discusses: The key provisions of the 2025 “One Big Beautiful Bill Act,” including unchanged tax brackets, higher standard deductions, and an increased SALT cap through 2029 The temporary bonus deduction for older taxpayers with incomes under certain thresholds, and how it phases out after 2028 The Net Unrealized Appreciation (NUA) distribution strategy for employer stock in retirement plans, highlighting tax advantages and planning considerations The Massachusetts “Millionaire’s Tax,” its impact on high-income earners, and potential strategies like timing transactions or changing residency Ways to reduce taxable income in high-earning years, including charitable contributions, realizing investment losses, and exploring specific tax-efficient investments And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Taxes may be inevitable, but how you approach them can make a meaningful difference in your long-term financial path. In this episode, Peter Raskin unpacks the recently signed “One Big Beautiful Bill” and what it means for families and individuals. More importantly, he breaks down how to think about taxes not in isolation, but in the broader context of your goals, values, and peace of mind for your family’s future. Key Points Covered: The newly passed “One Big Beautiful Bill” and why tax rates staying the same may not be the full story How deferring taxes isn’t always the wisest long-term move and may end up benefiting the IRS more than your family Real client stories around estate taxes, complexity, and prioritizing simplicity over tax savings Strategies like Roth conversions, asset sales, and rebalancing with a focus on goals and risk tolerance How to evaluate whether complex tax-saving strategies like 1031 exchanges or charitable remainder trusts are worth the effort And more! Resources: Resource Center – Raskin Planning Group Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Love and finances often intertwine in unexpected ways, especially in later-life marriages.  From tax strategies to estate planning, every decision reflects a delicate balance between personal connection and practical considerations. In this episode, Peter Raskin explores the unique financial challenges faced by older couples tying the knot. With stories and strategies, Peter offers guidance to help navigate the complex decisions surrounding later-life marriages. Peter discusses: Strategies for managing joint and individual financial goals in later-life marriages The impact of tax planning on marriage decisions, including joint filing benefits Important insurance considerations, from health coverage to long-term care Social Security benefits and how marital status changes eligibility and payouts Estate planning priorities, including prenuptial agreements and beneficiary designations And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Your emotions may be costing you more than you think, especially when it comes to financial decisions. In this episode, Peter Raskin explores how common behavioral biases influence investor decisions and why recognizing them is crucial for effective long-term planning. He reflects on his recent travels to Morocco and connects those insights with the emotional triggers he sees in client behavior. From empathy to automation, Peter offers grounded strategies for responding thoughtfully in uncertain times. Peter discusses: The emotional triggers clients face in periods of uncertainty and how those feelings influence financial decision-making Seven behavioral biases and how each can impact investment choices The value of empathy, long-term thinking, and automation to help reduce impulsive decisions and emotional reactions Key books on behavioral economics to help listeners better understand their own biases and improve decision-making And more! Resources: The Psychology of Money by Morgan Housel Misbehaving by Richard Thaler  Nudge by Richard Thaler and Cass R. Sunstein Thinking, Fast and Slow by Daniel Kahneman Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule a Time with Peter Raskin: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning.Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth.

Uncertainty looms in every corner of our lives, but can we turn it into clarity? How do financial decisions shape long-term security and day-to-day sense of security?  What strategies can help align investments with life’s changing seasons? In this episode, Peter Raskin reflects on balancing short-term challenges with long-term objectives, explaining how clients can maintain confidence through thoughtful planning. From volatile markets to personal milestones, Peter offers insights into wealth management that prioritizes resilience and practicality. Key topics covered: Understanding Market Uncertainty Tax Planning and 1099 Delays Addressing Life Events: Illness and Divorce Gifting to Family Members Navigating Retirement and Medicare Plans And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Market swings and economic shifts can leave retirees feeling uncertain about their financial future.  How can you ensure your income remains steady, even when the unexpected happens? In this episode, Peter Raskin explores retirement income planning strategies that help individuals stay financially stable despite market fluctuations. He breaks down the “bucket approach” to managing assets and highlights key risks retirees should consider when planning their financial future. Peter discusses: The impact of economic uncertainty on retirement planning and how to assess personal financial stability The “bucket approach” to structuring retirement income for different time horizons Key financial risks retirees face, including market downturns, inflation, and longevity The importance of tax planning to maximize retirement savings and minimize unexpected liabilities How to adjust and monitor retirement strategies over time to maintain financial confidence And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

Tax season can be overwhelming, but with some simple strategies, you can transform it into a manageable process. In this episode, Peter Raskin outlines practical tips for preparing your taxes with ease. From organizing documents to leveraging deductions and credits, Peter shares actionable insights to make tax preparation less daunting. He emphasizes the importance of collaboration with tax professionals and staying proactive to avoid last-minute stress. Peter discusses: The benefits of keeping organized financial records and reviewing prior tax returns for reference Key income and deduction categories to track, including self-employment expenses, charitable contributions, and retirement plans Credits for education, energy efficiency, and dependent care, along with considerations for gifting limits How to manage estimated taxes to avoid penalties and interest while staying within safe harbor guidelines The value of consulting tax professionals and financial planners to streamline the tax preparation process And more! Connect with Peter Raskin:  Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter: Book a Call with Peter   This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

In today’s uncertain financial landscape, mastering the balance between planning for the future and living in the present is essential. How do political shifts influence personal financial decisions? How can investors navigate risk while maintaining security in their portfolios? Join host Peter Raskin as he discusses the importance of financial planning amidst economic and political changes by providing insights on managing portfolios, and addressing common client questions about market volatility, bonds, and long-term strategies.  Key insights include: How political changes and economic shifts may influence markets and investment strategies The importance of maintaining a diversified portfolio to mitigate risks during market volatility Why bonds, despite underperforming stocks, remain a crucial component of many portfolios Strategies for managing drawdowns and rebalancing portfolios during periods of market fluctuation Approaches to determining annual withdrawal rates and long-term savings goals for financial security And more! Connect with Peter Raskin: Raskin Planning Group (617) 728-7433  LinkedIn: Peter Raskin  Facebook: Raskin Planning Group Twitter: Raskin Planning Group LinkedIn: Raskin Planning Group Schedule Time with Peter:  Book a Call with Peter This is not intended to be a substitute for professional investment advice. Always seek the advice of your financial adviser or other qualified financial service providers with any questions you may have regarding your investment planning. Securities and investment advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Osaic Wealth, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.