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How Much Estate Planning Do You Actually Need? Most estate planning content starts by assuming you need a trust. This one doesn't. I sat down with Jim Burch to walk through the entire range — from doing nothing at all, up through irrevocable trusts — so you can figure out where you actually sit instead of being sold the top of the ladder. If you've never thought about estate planning, this is the whole map in one video. If you already have documents in place, the beneficiary designation section and the irrevocable trust discussion are worth your time. 🤝 NEED HELP WITH ESTATE PLANNING? Reach out to Jim and his team here: https://easylegalplanning.com/ Check out our resources at https://TheRetirementNerds.com/ JOIN OUR FREE NEWSLETTER: Our newsletter has monthly retirement tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ⏰ TIME CODES 0:00 Intro 1:41 When to Do Nothing 7:40 Understanding the Will 19:23 When a Will Makes Sense 22:28 Living Will Clarification 24:18 Advanced Directive Clarification 26:11 Revocable Living Trusts 36:36 Role of Successor Trustee 41:38 When to Change A Revocable Trust 51:24 Special Needs Trusts 54:48 Funding a Trust 1:04:15 Costs of a Revocable Trust 1:08:22 Irrevocable Trusts 1:14:26 Where to Get Help ============================= #estateplanning #willvstrust #theretirementnerds #retirementnerds #finance #medicare Disclaimer: This video is for educational purposes only. This is not legal advice. Work with an estate planning professional before executing on any estate planning decisions.

Most retirees have both a CPA and a financial advisor — but very few know which one to call for which problem. Erik Soderborg from The Retirement Nerds, Zacc Call from Capita Financial Network, and Daniel Astelford from DanielTheCPA.com break down exactly what each professional is trained to do, where their responsibilities overlap, and where each one risks giving you advice outside their lane. EPISODE 2 LINK:https://www.youtube.com/watch?v=RQwkUCCwnDA If you're approaching retirement and want help with financial planning, Social Security timing, or investment management, visit CapitaFinancialNetwork.com to connect with Zacc's team. If you need a good CPA in your life, you can connect with Daniel at DanielTheCPA.com For Medicare plan selection (Medigap or Medicare Advantage), visit TheRetirementNerds.com. Check out our resources at https://TheRetirementNerds.com/ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ⏰ TIME CODES ⏰ 0:00 Intro 2:00 Important Financial Planning Definitions 6:23 Important Accountant Definitions 8:50 Roles the CFP Fills 11:53 Roles of the CPA 13:36 When a CFP would bring in to a CPA 26:09 When a CPA would bring in a CFP 27:51 Bringing in Other Professionals 36:59 CFPs are Prophets, CPAs are Historians 39:37 Friction Between CFPs and CPAs 42:30 Financial Friction Points 50:55 Human Side of Business 58:05 What is Nirvana between CFP & CPA 1:07:56 How to Approach a CPA Relationship 1:11:06 Interviewing a CFP 1:17:38 Where to Get Help 1:20:09 The Tradition =============================#medicare #theretirementnerds #socialsecurity #retirementnerds #finance Federal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Most grandparents default to a 529 — but depending on your situation, it might not be the best choice for your grandkids' future. In this video, financial advisor Zacc Call (Capita Financial Network) breaks down all 7 accounts you can use to invest in your children or grandchildren's financial future — including tax advantages, who controls the money, eligible expenses, and how each one affects college financial aid. FREE DOWNLOADS: The Quick and Easy Cheat Sheet Grid can be downloaded here: https://theretirementnerds.com/child-account-guide-2/ Zacc's complete guide is being finalized and the full version is almost done. You can sign up to receive it as soon as it is complete here: https://www.capitafinancialnetwork.com/education-center/trump-accounts-guide ⏰ TIME CODES ⏰ 0:00 – Introduction 2:56 – 7 Account Types 6:45 – 4 Attributes 8:20 – Kiddie Tax & Financial Aid 12:23 – 529 Savings Account 18:50 – Custodial Account (UTMA & UGMA) 23:51 – Individual Brokerage Account 27:10 – Custodial Roth IRA 30:54 – Fidelity Youth Account 35:16 – Schwab Teen Investor Account 38:09 – The Trump Account (NEW) 44:30 – Financial Advisor Dynamic 46:30 – What Zacc Does 52:04 – Where to Get Help 💡 WANT HELP WITH YOUR OWN RETIREMENT PLAN?→ Financial Planning with Capita Financial Network (Zacc Call): https://capitafinancial.com → Medicare Plan Help (Medigap & Medicare Advantage): https://theretirementnerds.com → Estate Planning (Revocable Living Trusts): https://EasyLegalPlanning.com 🔔 SUBSCRIBE for straight-talk retirement education — Medicare, Social Security, financial planning, and estate planning explained without the sales pitch. #RetirementPlanning #Grandparents #KidsInvesting#medicare #theretirementnerds #socialsecurity #retirementnerds #finance Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training. =============================#medicare #theretirementnerds #socialsecurity #retirementnerds #finance Federal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Most people think obesity comes down to willpower. A doctor who treats it every day says the science tells a very different story. In this interview, I sit down with Dr. Nicholas Paulk — a physician specializing in weight management through GLP-1 medications, bariatric surgery, and lifestyle intervention — to break down the three problems with obesity: how it actually develops, how to treat it effectively, and the misperceptions that keep people from getting the help they need. 🔗 Learn more about Medicare coverage for GLP-1s: ttps://youtu.be/WQDsMje-WPE 🔗 Questions about your Medicare plan options? Visit TheRetirementNerds.com Dr. Nicholas Paulk: https://rmap.com/ #obesity #weightloss #GLP1 #Medicare #bariatricsurgery #Wegovy #Ozempic #retirement ============================= Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================= Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/ ============================= ⏰ TIME CODES ⏰ 0:00 Intro 0:48 Defining Obesity 2:41 Obesity Epidemic 5:35 Body Weight Set Point 13:25 GLP-1 Breakdown 22:05 Any Concerns with GLP-1 25:44 Bariatric Surgery 27:32 4 Types of Surgery 33:17 Combination of GLP-1 & Surgery 37:00 How to Prepare for Visit with Doctor 39:34 Is there Going too Far? 41:50 A Doctor's Pet Peeves 45:44 Willpower Myth 49:14 What Does Success Look Like? 54:42 Where to Get Help ============================= Disclaimer: The information in this video is for educational purposes only. Please consult with a physician to learn more about your specific situation and treatment options.

Trump Accounts go live July 4, 2026 — and there are rules most families don't know yet. In this video, Erik Soderborg and financial advisor Zacc Call break down exactly how these new child savings accounts work, including the $1,000 government seed contribution, annual contribution limits, employer contributions, and what happens when your child turns 18. Whether you're a parent, grandparent, or just trying to understand the One Big Beautiful Bill, this is the no-spin breakdown you need. VIDEO ON ALL KID SAVINGS ACCOUNTS: Coming Soon :) 📋 FREE RESOURCES → https://theretirementnerds.com Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ Zacc Call is president of Capita Financial Network. Erik Soderborg is founder of The Retirement Nerds. #TrumpAccounts #TrumpAccount2026 #OneBigBeautifulBill #KidsSavings #RetirementPlanning #FinancialPlanning #CollegeSavings #529Alternative #ZaccCall #TheRetirementNerds ⏰ TIME CODES ⏰ 0:00 Intro 0:38 What a Trump Account Is 1:55 The Word Trump 4:54 Four Attributes to Strategies 7:09 When it Starts 9:12 Control and Ownership 11:30 Eligible Expenses 14:19 Financial Aid Impact 17:09 Tax Benefits 20:37 More Details 23:40 Actual Strategies 29:37 Roth Conversion Strategy 31:50 Kiddie Tax 34:32 Financial Advisor Access 37:50 Wrap Up Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Most people have Social Security completely wrong — and the mistakes are expensive. In this video, Erik Soderborg and financial advisor Zacc Call correct 12 of the most common Social Security misconceptions, including when to claim, how spousal benefits actually work, whether Social Security is going broke, and the real rules around taxes and Medicare enrollment. --- 🎓 THIS VIDEO IS PART OF OUR COMPLETE SOCIAL SECURITY SERIES: ▸ Episode 1 – How SS Is Calculated: https://youtu.be/AZfxGBp-Mts ▸ Episode 2 – The Menu: https://youtu.be/Ssgulq9KwEU ▸ Episode 3 – Break Even: https://youtu.be/FpnHmouqYl4 ▸ Episode 4 – Real Life Examples: https://youtu.be/vDxe7vUxC1I ▸ Episode 5 – Roth Conversions or SS Order: https://youtu.be/8jhty1OoDXE ▸ Episode 6 – This Video🎓 SOCIAL SECURITY TAXABILITY VIDEOS: ▸ Episode 1 – How SS Is Taxed: https://youtu.be/-ifv6Y6migk ▸ Episode 2 – Calculate Your Own: https://youtu.be/NxH2jHzZwFo Download the SS Taxability Worksheet for Free Here: https://theretirementnerds.com/social-security-worksheet/ --- 📞 NEED HELP WITH YOUR RETIREMENT PLAN? If you have questions about Social Security strategy, Medicare plan selection, or building a retirement income plan, reach out at TheRetirementNerds.com. --- Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ⏰ TIME CODES ⏰ 00:00 – Introduction 01:04: Myth 1 - SS is Going Broke in 2032 10:37: Myth 2 - FRA is 65 13:08: Myth 3 - Everyone Should Take SS at... 16:24: Myth 4 - SS is Locked In When I File 18:58: Myth 5 - Spousal Benefit Mistakes 29:24: Myth 6 - Spouse Automatically Gets 50% of My Benefit 31:01: Myth 7 - Ex-Spousal Benefit Confusion 33:13: Myth 8 - SS Income is Guaranteed to Rise with Inflation 6:48: Myth 9 - Working and Taking Social Security 41:58 Myth 10 - Social Security Taxability Rules 50:37 Myth 11 - Social Security Protected from Creditors 52:05 Myth 12 - Medicare & Social Security Rules 56:20 Where to Get Help ============================= #theretirementnerds #retirementnerds #finance #SocialSecurity #RetirementPlanning #SocialSecurityMyths #Medicare #RetirementIncome Federal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

LLC vs S-Corp vs Sole Proprietorship — which business structure saves you the most in taxes, protects you from liability, and sets you up for retirement? CPA Daniel breaks it all down. In this video, I sit down with Daniel the CPA to cover everything business owners need to know about structuring their business the right way — especially if retirement is on the horizon. We cover: LLC vs S-Corp vs Sole Proprietorship: which one is right for you How to pay yourself as a business owner (and why it matters for qualifying for a mortgage, saving for retirement, and maximizing Social Security) Liability protection strategies that most small business owners overlook Tax savings strategies a CPA actually recommends How your business structure today affects your retirement income tomorrow The mistakes Daniel sees business owners make over and over again Whether you're a business owner in your 30s just getting started or in your 50s and 60s planning your exit, this conversation gives you the CPA perspective most people never hear. 🔷 WORK WITH US: 📌 CPA Help From Daniel: https://danielthecpa.com/ 📌 Medicare Help: https://theretirementnerds.com/ 📌 Financial Planning & Social Security Strategy: https://capitafinancialnetwork.com/ 📌 Estate Planning: https://easylegalplanning.com 📌 Subscribe for more retirement clarity — no fear, no fluff, just facts: https://www.youtube.com/@Theretirementnerds?sub_confirmation=1 🔷 MORE VIDEOS WITH DANIEL: https://youtu.be/G1Dc6gVv90g https://youtu.be/aI3TBDkBMbU =============================================== Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ =============================================== ⏰ TIME CODES ⏰ 0:00 Intro 1:48 Business Structures 3:14 Paying Yourself Properly 10:17 S-Corp vs Others 6:02 Goals Shape Structure 17:57 Loans & Personal Guarantees 20:08 Selling & Acquiring Businesses 17:17 Write Offs 32:37 Common Write Off Mistakes 24:50 Realities of an Audit 41:38 When to Bring In a CPA 45:35 Accounting Myths 49:20 Ranking Tax Advice 53:24 Valuable Tools for Business Owners 55:20 Where to Get Help ============================= #medicare #theretirementnerds #socialsecurity #retirementnerds #finance #businessowner #taxes #tax PLEASE NOTE: This video is for education purposes only.It does not constitute legal or tax advice for your specific situation.

Roth conversions, Social Security timing, RMDs, and IRMAA — what order should you tackle retirement decisions? Most people start with the wrong one. In this episode, Erik Soderborg from The Retirement Nerds and Zacc Call from Capita Financial Network break down a step-by-step sequencing framework for retirement income planning. If you've been told to prioritize Roth conversions above everything else, this video explains why that approach can backfire — and what to anchor first instead. This is Episode 5 of our Social Security series. Watch the full series: ▸ Episode 1: https://youtu.be/AZfxGBp-Mts ▸ Episode 2: https://youtu.be/Ssgulq9KwEU ▸ Episode 3: https://youtu.be/FpnHmouqYl4 ▸ Episode 4: https://youtu.be/vDxe7vUxC1I Zacc's Channel: ttps://www.youtube.com/@ZaccMoneyEducation 📋 Want help building your own Social Security plan? https://theretirementnerds.com/ 📘 Free Medicare Guide: ttps://theretirementnerds.com/medicare-playbook/ ⚖️ Need an estate plan? Set up your revocable living trust with Jim Burch: ttps://easylegalplanning.com/ =============================================== Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ =============================================== ABOUT THE RETIREMENT NERDS Erik spent years inside the insurance and pharmacy benefit industries before switching sides to help retirees navigate Medicare, Social Security, financial planning, and estate planning — without the spin. Subscribe: https://www.youtube.com/@Theretirementnerds Website: https://theretirementnerds.com/ ⏰ TIME CODES ⏰ 0:00 Intro 2:10 The Seating Chart 5:50 Factors To Change the Seating 7:30 Net Present Value of Taxes 9:58 The Base Case: Convert Nothing 11:40 The Framework 21:13 The Unsolvable Loop 23:05 The Most Flexible Seat 24:35 Surprising Roth Philosophy 26:08 Questions from the Internet 38:10 Most Important Points 42:06 Where to Get Help ============================= #medicare #theretirementnerds #socialsecurity #retirementnerds #finance #rothconversion Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

When should you take Social Security — at 62, 67, or 70? The answer depends on whether you're single or married, and the math looks very different for each. In this episode, Erik Soderborg and Zacc Call, president of Capita Financial Network, sit down and walk through real break-even analyses for single filers and married couples side by side. This is Part 4 of our 4-part Social Security series, and it's where the theory from previous episodes meets actual numbers. We run multiple scenarios showing how filing age, spousal coordination, survivor benefits, cost of living adjustments, and investment growth all shift the break-even point — sometimes by years. If you've been trying to figure out the right time to file, this is the episode that puts it all together. 📌 Watch the full Social Security series: ▸ Part 1: https://youtu.be/AZfxGBp-Mts ▸ Part 2: https://youtu.be/Ssgulq9KwEU ▸ Part 3: https://youtu.be/FpnHmouqYl4 🔗 Want help building a retirement income plan around your Social Security filing decision? Visit https://theretirementnerds.com/ to connect with our team. Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ⏱️ Timestamps 0:00 Intro 1:22 Scenario Types 2:00 Case 1: Single, Never Married 12:22 Case 2: Married, Same Age, Different PIAs 21:08 Case 3: Married, Same Age, Similar PIAs 28:29 Case 4: Married, Different Age, Different PIAs 35:22 Case 5: Married, Different Age, Similar PIAs 41:54 Case 6: Single, Deceased Spouse 48:13 Case 7: Single, Multiple Previous Marriages 55:04 Where to Get Help #SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToTakeSocialSecurity #SocialSecurity62vs70 #TheRetirementNerds Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Social Security break-even age — it sounds simple, but most people calculate it wrong. In this episode, Erik Soderborg sits down with Zacc Call, president of Capita Financial Network, for Part 3 of our 4-part Social Security series. We walk through how to actually calculate your Social Security break-even age and break down the 3 most common mistakes that lead to an inaccurate number — and potentially a bad filing decision. We cover why ignoring the Cost of Living Adjustment (COLA) skews your break-even, why Social Security filing needs to be a team decision with your spouse, and why you can't ignore the investment growth you'd get by leaving your portfolio untouched while delaying benefits. Whether you're 62 and deciding when to file or still a few years out, this episode gives you the framework to make a smarter, more informed decision. 📌 Watch the full Social Security series: ▸ Part 1: https://youtu.be/AZfxGBp-Mts ▸ Part 2: https://youtu.be/Ssgulq9KwEU 🔗 Want help building a retirement income plan that accounts for Social Security, taxes, and investments? Visit https://theretirementnerds.com/ to connect with our team. ⏱️ Timestamps: 0:00 Intro 1:38 Break Even Basics 5:13 Mistake #1: COLA 6:52 Mistake #2: Team Sport 9:18 Mistake #3: Growth on Growth 17:37 Example 1: Same BD, Similar Benefits 27:49 Life Expectancy Ideas 29:59 Example 2: Different BD, Different Benefits 40:33 Where to Get Help Check out our resources at https://TheRetirementNerds.com/ Send me a message! [email protected] Be Sure to Subscribe to our Channel! YouTube: @theretirementnerds Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/================================== #SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToFileSocialSecurity #SocialSecurityMistakes #RetirementIncome #theretirementnerds Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Are you getting every Social Security benefit you're entitled to? Most retirees only claim one — but there are actually four different types of benefits available depending on your situation. In this video, I sit down with Zacc Call, President of Capita Financial Network, to walk through what I call "The Social Security Menu" — every benefit option available to you in retirement. We cover: 🔹 Your own retirement benefit (PIA) — how it's calculated and when to claim 🔹 Spousal benefits — what you're entitled to based on your spouse's record 🔹 Ex-spousal benefits — the rules most divorced retirees don't know about 🔹 Survivor benefits — how this works and why the timing matters We break down the percentages, age requirements, filing rules, and common mistakes people make when choosing from the Social Security menu. SOCIAL SECURITY VIDEO SERIES: Episode 1: https://youtu.be/AZfxGBp-Mts 📌 Timestamps: 0:00 Intro 1:53 The Menu 2:50 Your Personal Benefit 5:58 Spousal Benefits (Currently Married) 12:39 Spousal Benefits (Divorced) 19:42 Survivor Benefits 24:22 Survivor with Remarriage 32:29 Disability Benefits 33:34 Medicare Implications 35:06 More Help 👉 Want help with your Social Security and retirement income strategy? Visit https://theretirementnerds.com 📺 Subscribe for weekly retirement planning content: https://www.youtube.com/@Theretirementnerds #SocialSecurity #RetirementPlanning #SpousalBenefits #SurvivorBenefits #SocialSecurityBenefits #RetirementIncome #MedicarePlanning #FinancialPlanning #SocialSecurityTips #RetirementNerds ABOUT THIS CHANNEL: The Retirement Nerds simplifies Medicare, Social Security, financial planning, and estate planning so you can make informed decisions heading into retirement. No fluff. No sales pitches. Just the facts. Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ Federal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

💵 How is your Social Security benefit calculated? In Part 1 of our 4-part Social Security series, financial expert Zacc Call explains the Primary Insurance Amount (PIA) - the foundation of your Social Security retirement benefit - and reveals proven strategies to increase your monthly payment. Whether you're years away from claiming or approaching retirement, understanding how Social Security calculates your benefit is crucial to maximizing your lifetime income. This video breaks down the complex PIA formula into simple terms and shows you exactly what you can do to boost your monthly check. How to Set Up Your My Social Security Account: https://youtu.be/B5n4OwOoGTY Other Useful Videos: https://youtu.be/KXFqGra9qHI https://youtu.be/ZetbFdEqi2A https://youtu.be/NxH2jHzZwFo Check out our resources at https://TheRetirementNerds.com/ Connect with Zacc's Team at Capita: CapitaFinancialNetwork.com ============================= Send me a message! [email protected] ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro to this Episode 1:08 The Calculation of AIME 5:50 Bend Points 9:42 How to Increase Your Benefits 15:41 Working Part Time 17:45 Working and Taking SS 25:18 My SSA Account Resources 26:52 When You File Matters 32:00 Medicare Implications 35:10 What's On The Menu 36:55 Where to Get Help ============================= #medicare #theretirementnerds #socialsecurity #retirementnerds #finance Federal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

How much does long-term care really cost — and how do you actually prepare for it? In this video, I sit down with Marc Glickman, President of BuddyIns, to break down everything you need to know about long-term care insurance — from how to get it, what it covers, and most importantly, how to actually use it when the time comes. With average long-term care costs running $6,400 per month or more, this is a conversation every retiree and pre-retiree needs to have. Marc shares his expert insight on navigating the process, avoiding common mistakes, and making sure your policy works for you — not against you. Website to get a quote or connect with Marc: https://partner.buddyins.com/retirementnerds Long Term Care 101 Video: https://youtu.be/ytsdfesv_uk Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a message! [email protected] ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro 0:30 Employer Options 3:18 Underwriting 4:17 If You Leave Employer 5:20 Premium Increases 8:20 Under 65 vs Over 65 10:30 How to Use a Policy 13:20 Where to Get Care 16:23 Beware Overinsurance 22:15 Gender Implications 24:07 Future of Care (Robots?) 28:50 Where to get help ============================= #medicare #theretirementnerds #socialsecurity #retirementnerds #finance #longtermcareplanning Federal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

💰 Considering an annuity for retirement income? Financial expert Zacc Call breaks down everything you need to know about annuities - how they work, the fees involved, pros and cons, and whether they're the right choice for YOUR retirement. If you've been approached by a financial advisor about purchasing an annuity, or you're exploring guaranteed income options for retirement, this interview will give you the honest facts you need to make an informed decision. Get the Annuity Guide shown in the video here: https://theretirementnerds.com/annuity-guide-download/ Get the Financial Professionals Guide here: https://theretirementnerds.com/financial-professionals-guide/ Financial Professionals Video: https://youtu.be/8uC1lgkZUWE How to reach Zacc's Team: https://capitafinancialnetwork.com/ Zacc's YouTube Channel: https://www.youtube.com/@ZaccMoneyEducation Your Best Financial Year Newsletter: https://www.capitafinancialnetwork.com/your-best-financial-year Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a [email protected] ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro 0:25 Who should ignore annuities 3:27 Who should consider annuities 8:20 Different Categories of Annuities 9:50 The Pension Annuity 22:45 The Bond Imitator Annuity 31:08 The Investment Portfolio Annuity 42:28 The Downside Protector Annuity 54:15 Account Value vs Income Value 59:59 The Boxed-In Investor Annuity 1:08:48 The Kitchen Sink Annuity 1:16:10 How Salespeople are Compensated 1:23:57 Deciding on Which 1:32:51 Zacc's Plea 1:33:33 Where to get help ============================= #annuity #annuities #theretirementnerds #retirementnerds #finance Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Required Minimum Distributions can be one of the most confusing parts of retirement planning — and getting them wrong can lead to unnecessary taxes, missed opportunities, and costly mistakes. In this video, we discuss: • What Required Minimum Distributions are • When RMDs start • How RMDs are calculated • Common RMD mistakes retirees make • How RMDs affect taxes in retirement • Retirement planning strategies related to RMDs RELATED VIDEOS: https://youtu.be/aiv9eW8tizk https://youtu.be/yhT_MkMT2Oc https://youtu.be/zjrbXScvmDA CONNECTING WITH ZACC: Phone: 801-566-5058 Email: [email protected] Website: CapitaFinancialNetwork.com Your Best Financial Year: https://www.capitafinancialnetwork.com/your-best-financial-year Subscribe to The Retirement Nerds for more videos on retirement planning, Medicare, Social Security, taxes, and financial decisions that matter in retirement. Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a message! [email protected] ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro 1:16 RMD Definition 2:35 Accounts Subject to RMDs 3:35 Timelines 5:19 How Do They Make You? 12:37 Multiple IRAs and 401(k)s 18:45 How RMDs Calculated 21:50 Who Should Be Aware? 28:19 How Scary Are RMDs? 30:25 Suzy's Example 41:40 Real Example: Paying off Home 44:34 Cancer Example 47:50 Inheritance Implications 49:49 Big Age Gap Between Spouses 52:02 Planning for RMDs 58:34 Account Growth Outpacing RMDs 1:01:10 QCD & DAF Clarifications 1:05:14 Final Message About RMDs 1:07:19 Question from the Comments 1:10:56 Where to Get Help ============================= #medicare #theretirementnerds #socialsecurity #retirementnerds #finance #RMDs #requiredminimumdistribution Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.