Timothy Sumer

In this video we're answering the question "What is the pro-rata rule and how does it apply to me?" The White Coat Investor wants to help you stop doing dumb things with your money, so in this video series we answer questions you have submitted. To get your questions answered by The White Coat Investor, visit and record your question. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Subscribe Here: Main Website: Student Loan Advice: Facebook: Twitter

In this episode, the ReSolve team welcomes Roni Israelov, Chief Investment Officer and President of NDVR, to discuss advanced portfolio strategies for optimizing tax efficiency, credit exposure, and cash flow objectives. We explore a wide range of topics, including: • Roni's background and experience in asset management, including his time at AQR Capital Management and Lehman Brothers • The importance of portfolio construction and implementation in achieving investment goals • The challenges and opportunities in managing custom lifestyle-protected growth portfolios • The role of research and model building in informing and optimizing investment strategies • The impact of transaction costs and factor decay profiles on portfolio performance • The benefits and risks of incorporating short-term signals within long-term investment models, and using short-term models to adjust overall trading • Lessons learned from building and managing option strategies focused on harves

We're an investing service that also helps you keep your dough straight. We'll manage your retirement investments while teaching you all about your money. #retirement #retirementplanning #dohstr8 ---Ready to subscribe--- For more information visit: --- Instagram @jazzWealth --- Facebook --- Twitter @jazzWealth Business Affairs 📧Support@JazzWealth.com... ( read more ) LEARN MORE ABOUT: 401k Plans REVEALED: Best Investment During Inflation HOW TO INVEST IN GOLD: Gold IRA Investing HOW TO INVEST IN SILVER: Silver IRA Investing As an investor, you probably have a 401k account where you save and invest money for your retirement. One of the primary responsibilities of any investor is to rebalance their portfolio periodically. But, the question arises- when is the right time to rebalance your 401k? Rebalancing is the process of adjusting your portfolio to maintain the original allocation of assets. In simple words, it means buying and selli

Click Here For Free Investors Guide ✅: Discover the hidden world of Gold IRA investing and portfolio diversification in this comprehensive video! Learn how Gold IRA tax benefits, tax-deferred growth, and security can provide you with a valuable hedge against inflation and volatility in the market. Uncover the secrets of diversification in Gold IRA, including physical gold as an asset class, and explore self-directed IRA options for investing in gold bullion. Traditional gold IRA pretax funding and tax-deductible contributions in a traditional gold IRA can further enhance your investment strategy. Get Up to $10,000 in Free Silver 👉 Maximize your investment income through risk management, asset allocation, and multidimensional investment strategies, while optimizing your portfolio with a strategic asset mix. Dive into the world of mutual funds, exchange-traded funds, balanced funds, index funds, sectoral funds, and fund-of-funds, exploring the advantages of each in creati

Question: Jon, VA - Hi Joe and Big Al, love your show and listen regularly. I am 53, I have no debt and recently retired. I was a franchisee of one fast food restaurant that I sold in December for $5.3 million dollars!! I have that money invested but my question is about my 401k money. Due to the sale of the business I recently had to close down my company 401k plan . I transferred my 401k money to an IRA with a local investment company. I had $733,811 in my 401k when I moved it to an IRA. I met with my advisor today and that due to my age I may want to consider doing a backdoor Roth conversion. Tax free growth and no required minimum distribution (RMD) sounds GREAT but I am having trouble swallowing the tax that would be due if I did this. Taxes would be somewhere in the $330,000 range. Is this a smart thing to do or should I do it in smaller amounts so I could stay in a lower tax bracket. I am not sure what my income will be in the years ahead other than I do have a couple

In this video, we'll share six essential tips to help you start investing wisely. From setting clear investment goals to choosing the right investment vehicle, diversifying your portfolio, starting early, staying disciplined, and subscribing to our channel, these tips will guide you towards maximizing your returns and reducing risk. Whether you're new to investing or looking to refine your strategy, this video is a must-watch for anyone seeking to build a strong investment portfolio. 👍 Did you enjoy this video? 👍 Then be sure to subscribe to our channel for more awesome content like this! 🚀 #investing #stocks #bonds #mutualfunds #etfs #diversification #portfoliomanagement #financialplanning #wealthmanagement #retirementplanning #compoundinterest #passiveincome #activeincome #financialliteracy #moneymanagement #personalfinance #investing101 #wealthbuilding #stockmarket #investments #valueinvesting #growthinvesting #longterminvesting #shortterminvesting #stock

In this episode, Troy Sharpe, CFP® and Financial Advisor, continues his discussion on the Retirement Basics and The Oak Harvest Retirement process, touching upon some acronyms, S.M.A.R.T. and T.E.A.M. and what they mean to the Oak Harvest Financial Group and your retirement planning process. He discusses the 5 steps of the Oak Harvest retirement planning process; #1. Investment Planning, #2. Income Planning, #3. Tax Planning, #4. Healthcare Planning and #5. Estate Planning. #investments #retirementplanning #retirementincome #taxplanning #estateplanning 00:00 Introduction - Mark Elliot - The Retirement Income Show 01:03 S.M.A.R.T. what does it mean for your retirement planning process 01:25 Oak Harvest Retirement process for retirement planning 02:13 Step 3 of Oak Harvest Retirement Plan Taxes can be your #1 Concern 03:41 Risk Management and Asset Allocation is Step 1 And Why 04:08 The Value Oak Harvest Financial Group provides to clients 06:00 Give us a call so w

In this video we're answering the question "What is the 5 Year Rule for Roth IRA and Roth 401(k) Contributions?" The White Coat Investor wants to help you stop doing dumb things with your money, so in this video series we answer questions you have submitted. To get your questions answered by The White Coat Investor, visit and record your question. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Subscribe Here: Main Website: Student Loan Advice: Faceb

In this video we're answering the question "How do I report a backdoor Roth IRA with a loss?" The White Coat Investor wants to help you stop doing dumb things with your money, so in this video series we answer questions you have submitted. To get your questions answered by The White Coat Investor, visit and record your question. Find more resources at ... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERT IRA TO GOLD: Gold IRA Account CONVERT IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA As a responsible taxpayer, it’s important to accurately report all financial transactions on your tax return. If you have a backdoor Roth IRA with a loss that needs to be reported, there are several steps you can follow to ensure that the process goes smoothly. First, it’s important to understand what a backdoor Roth IRA is. Essentially, this is a type of retirement account that allows you to contribute money on an after-tax basis

In this video we're answering the question "I screwed up my backdoor Roth IRA. How do I fix it?" The White Coat Investor wants to help you stop doing dumb things with your money, so in this video series we answer questions you have submitted. To get your questions answered by The White Coat Investor, visit and record your question. Find more resources at ... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA Making a mistake with your Roth IRA can be a costly one, but luckily there are ways to fix it. A backdoor Roth IRA is a way to contribute to a Roth IRA even if you make too much money to qualify for a traditional Roth IRA. If you've made a mistake with your backdoor Roth IRA, here are some steps you can take to fix it. The first step is to understand what the mistake was. If you've made a contribution to a traditi

In this video we're answering the question "Should I transfer my Roth TSP to a Roth IRA after leaving the Military?" The White Coat Investor wants to help you stop doing dumb things with your money, so in this video series we answer questions you have submitted. To get your questions answered by The White Coat Investor, visit and record your question. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Subscribe Here: Main Website: Student Loan Advice: F

In this video we're answering the question "How do I calculate my basis in my IRA for IRS form 8606??" The White Coat Investor wants to help you stop doing dumb things with your money, so in this video series we answer questions you have submitted. To get your questions answered by The White Coat Investor, visit and record your question. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Subscribe Here: Main Website: Facebook: Twitter: Instagram: Subr

In Should I Have Convertible Bonds, TIPS and FRNs in My Investment Portfolio? I discuss the reasons why convertible bonds, Treasury Inflation Protection Securities and Floating Rate Notes are not good investments for long-term passive investors. This is a FREE introductory lesson from the Essentials of Investing course. You can get the eBook and video course now by visiting and Sign up to Rich Warner's email list to get more FREE video tutorials on investing and updates by clicking on this link: Sign up for FREE educational articles and videos on investing at Thank you for watching. Your comments, feedback and suggestions are welcome. PLEASE SUBSCRIBE TO THIS CHANNEL as this will inspire me to produce more videos like this one! Lord knows there are too many investment schemes out there. Either that, or the investments are too complex to understand. Most of these do not belong in a long-term investor's toolbox. In this video, I shed some light on high yi

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Today on Your Money, Your Wealth® podcast 340 with Joe Anderson, CFP® and Big Al Clopine, CPA, asset location: how to position assets to pay less tax without sacrificing investment growth? Should young folks contribute all of their retirement savings to Roth accounts? Also, conversations (not advice) on a self-employed defined benefit plan vs. pass-through profits, gifting tuition for education, Roth conversions with a special needs child in mind, a correction on inherited Roth IRAs, and listener comments. Podcast survey, free financial resources, ask Joe & Al On Air: 00:00 - Intro 01:33 - Can I Fund a Roth TSP and a Separate Roth IRA? (Cass, MS) 03:21 - How to Position Tax-Deferred Assets for Tax Efficiency Without Compromising Growth? (D, Irvine) 08:50 - Asset Location: Should My Kids Contribute All to Roth? (Mike, Texas) 13:32 - Should We Open a Defined Benefit Plan or Take Pass-Through Profits? (Ken, San Diego) 19:26 - How to Pay for Son's Grad School and Minimi

Today on Your Money, Your Wealth® podcast 410 with Joe Anderson, CFP® and Big Al Clopine, CPA, is it better to choose low-cost index funds or to diversify investments, even if it means paying higher fees? What causes mutual fund price fluctuation? Are mid-cap funds necessary in a balanced portfolio? The fellas also talk about real estate funds vs. real estate investment trusts (REITs), and TIAA annuities vs. bonds in a retirement portfolio. Finally, we revisit some investing strategy questions that are still relevant in today’s volatile markets on moving to cash in tough times, analyzing your asset allocation, and rebalancing your retirement portfolio. Show notes, free financial resources, transcript, Ask Joe & Big Al On Air: 00:00 - Intro 00:55 - What’s More Important, Diversification or Low Fees? (Matt, VA - voice) 06:20 - What Causes Mutual Fund Price Fluctuation? (Brent, Bennington) 10:07 - Download the Guide to Growing Your Wealth: 10:45 - Are Midcap Funds Necessa

Tax and Social Security expert Mike Piper covers Bogleheads Principle #8: Minimize Taxes. He shares key ways to minimize investment-related taxes, including maximizing contributions to tax-sheltered accounts, investing tax-efficiently within taxable accounts, and paying attention to "asset location." This session was part of Bogleheads University on the first day of the Bogleheads conference in Oct. 2022. Recorded on October 12, 2022. Slides: The complete Bogleheads Conference proceedings can be found at A ten-part YouTube course on the Bogleheads investing principles can be found at Slides and transcripts are available. The John C. Bogle Center for Financial Literacy ( is a non-profit organization dedicated to improving financial literacy. The Center’s mission is to expand the legacy of John C. Bogle, the founder of Vanguard, by promoting the principles of successful investing and financial well-being through education and community. The Center envisions