This week, we're tackling listener questions about pro rata and aggregation rules, IRMAA, Roth conversions, RMDs, and how to plan for retirement when you’d rather not hire a financial planner. We’ll share insights on why paying upfront for expert guidance can often save you from costly, irreversible decisions—and how optimized strategies can make a big difference. The key? Partnering with someone who understands your unique financial situation.

🎙️ Have a financial scenario you’d like us to discuss (without giving personalized advice)? Send your questions to podcast@equilibriumfp.com—we’ll keep your information completely anonymous!

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This week we answer listener questions about whether to deplete an annuity and how to allocate the funds amongst current debt and retirement goals, whether to invest in an annuity using money from a 401k, general discussions of tax efficiency, and more.

If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at podcast@equilibriumfp.com. We will anonymize your personal information. Thanks!

This week we answer listener questions about fee based versus fee only, tax advice, how to justify a 1% fee, what to do when you find all of your retirement savings are in a 401k or other tax deferred account, and more.

How should you decide whether to go with a fee only or fee based advisor? Fee-based means they will not only charge you but they can take commissions--it is frequently referred to as a marketing term designed to cause confusion.

Fee-only, while broadly covering various structures like AUM, flat fee, hourly, a la carte, project based, and more, designates that the advisor does NOT take a commission on products and therefore is focused on providing the best solutions for you without any perverse incentive structures.

If you would like us to discuss your specific scenario without providing financial advice, feel free to write to us at podcast@equilibriumfp.com. We will anonymize your personal information. Thanks!