Retire With Confidence

著者: Dave Zaegel CPA CFP
  • サマリー

  • The Retire With Peace podcast brings you actionable information for your retirement planning. Topics include financial planning, taxes, investments, social security, Medicare, personal health & wellness, and much more. Join Dave Zaegel, CPA, CFP as he covers various financial and lifestyle topics to help you Retire With Peace.
    2022
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あらすじ・解説

The Retire With Peace podcast brings you actionable information for your retirement planning. Topics include financial planning, taxes, investments, social security, Medicare, personal health & wellness, and much more. Join Dave Zaegel, CPA, CFP as he covers various financial and lifestyle topics to help you Retire With Peace.
2022
エピソード
  • Ep 127: To Crypto or Not?
    2024/12/24

    In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the evolving landscape of cryptocurrencies, particularly Bitcoin, and their implications for retirement planning. He addresses common misconceptions, the potential benefits and risks of including cryptocurrencies in retirement portfolios, and emphasizes the importance of a balanced investment strategy. Zaegel provides insights into how cryptocurrencies can fit into a broader financial plan, while also cautioning that they are not a necessity for every investor.

    Takeaways:

    • Cryptocurrencies have gained significant attention and value over the past decade
    • Bitcoin serves as the primary currency for blockchain technology.
    • Cryptocurrency can be a part of retirement planning but is not mandatory.
    • Investors should consider a small proportion of crypto in their growth bucket.
    • There are alternative investments that may perform just as well as cryptocurrencies.
    • The regulatory environment for cryptocurrencies is evolving positively.
    • Investing in cryptocurrencies carries both potential rewards and risks.
    • Diversification is key in retirement investment strategies.
    • It's important to consult with a financial planner before making investment decisions.
    • The future of cryptocurrencies remains uncertain, and caution is advised.

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    10 分
  • Ep 126: Health Savings Accounts
    2024/12/17

    In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the intricacies of Health Savings Accounts (HSAs) and how they differ from Flexible Spending Accounts (FSAs). He emphasizes the tax benefits of HSAs, including tax deductions on contributions and tax-free withdrawals for medical expenses. Zaegel also highlights the importance of having a qualifying insurance plan to contribute to an HSA and suggests strategies for maximizing the benefits of HSAs for retirement planning.

    Takeaways

    • Health Savings Accounts (HSAs) are often confused with Flexible Spending Accounts (FSAs).
    • HSAs allow contributions that can grow tax-free and be withdrawn tax-free for medical expenses.
    • To contribute to an HSA, you must have a qualifying high-deductible health insurance plan.
    • Using out-of-pocket funds for medical expenses allows your HSA to grow tax-free.
    • HSAs can serve as a powerful retirement planning tool if structured correctly.
    • Contributing to an HSA year after year can build a substantial balance for retirement.
    • You can still benefit from HSAs even if you pay medical expenses directly from the account.
    • HSAs provide a tax deduction for contributions, enhancing their appeal.
    • In retirement, HSAs can function similarly to Roth IRAs for medical expenses.
    • It's advisable to evaluate your financial situation to determine the best use of HSA funds.

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    7 分
  • Ep 125: Is My Inheritance Taxed?
    2024/12/10

    In this episode of the Retire with Peace Podcast, host Dave Zaegel addresses common questions regarding the tax implications of receiving an inheritance. He clarifies that there is no tax on the inheritance itself, but discusses scenarios where taxes may apply, particularly with inherited IRAs and the concept of step-up in basis for inherited assets. The conversation emphasizes the importance of understanding estate taxes and planning for potential tax liabilities in the future.

    Takeaways:

    • There is no tax on receiving an inheritance.
    • Estate taxes are assessed at the estate level, not on the inheritor.
    • High estate tax exemption limits mean fewer people face estate taxes.
    • Inheriting an IRA requires understanding required distributions and tax implications.
    • A step-up in basis can reduce capital gains taxes on inherited assets.
    • The IRS took years to finalize regulations on inherited IRAs.
    • Inheritors should be aware of tax implications when growing inherited assets.
    • Receiving an inheritance does not create a taxable event immediately.
    • Planning for estate taxes is important due to changing thresholds.
    • Fear of taxes on inheritance is common but often unfounded.

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    7 分

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