Timothy Sumer

Required Minimum Distribution Strategy || RMD without selling STOCK or Investments || IRA Withdrawal In this video I want to discuss a Required Minimum Distribution strategy where you as the investor don't have to sell any stocks or Investments in order to satisfy your Required Minimum Distribution requirement. If you are over the age of 72, a big part of your retirement planning or financial planning is your required minimum distribution. Your required minimum distribution is defined as, "Required minimum distributions are amounts that U.S. tax law requires one to withdraw annually from traditional IRAs." The problem comes in when you don't want to sell the stock or mutual fund inside of your IRA to satisfy your required minimum distribution requirement. That is where this IRA strategy comes into play. Watch this video to learn a required minimum distribution strategy where you don't have to sell stocks or investments. Click Here to Subscribe: ...

IRA구좌에서 과연 어떤 사람들이 IRA구좌를 열수 있고 불입 할 수 있고, 1년에 얼마까지 세금 혜택을 받으면서 불입 할 수 있는지, IRA구좌에는 어떤 단점과 유의 해야할 점이 있는지에 대해서 알아보도록 하겠습니다. T-IRA구좌같은 경우엔 인출하는 모든 금액에 대해서 세금을 내야하는 수입으로 간주되기 때문에 더 큰 손해를 봐야하는 경우가 발생이 됩니다. 아무리 좋은 은퇴플랜을 가지고 있어도 그 플랜의 장 단점을 정확히 이해를 못하고 있다면 플랜을 가지고 있지 않은 것 보다도 못할 경우한 경우가 되는 것이죠. 내 스스로가 받을 수 있는 혜택이나 불이익에 대해서 관심 갖지 않으면 그 누구도 나를 대신 할 수 없음을 기억하셔야 겠습니다. RMD (Required Minimum Distribution) 표 우리의 미래는 항상 기대와 걱정 그리고 불안으로 뒤섞여 있습니다. 마치 한 번도 가보지 못한 여행을 출발할 때 항상 꼭 지참하는 나침판과 지도 처럼 앞으로 우리 미래의 평안하고 안정된 인생을 살기 위한 재정과 은퇴의 로드맵이 필요로 합니다. 여러분만의 은퇴 로드맵을 만들어 드리는 역활을 충실히 할 것을 약속 드립니다. 생명보험, 연금, 장기간호보험, 상속계획, 세금절세 플랜, 학자금플랜, 손자 손녀들을 위한 플랜, 뮤츄얼 펀드 투자 관련 모든 재정과 은퇴 플랜에 대해서 무료 상담 해드립니다. 엘에이와 워싱톤지역 어느곳에 계시던 상관 없이 문의가 있으신 분은 댓글이나 이메일로 보내주시면 성심 성의 껏 답변 하도록 하겠습니다. 재정어드바이저 앤디김 – askakimg@gmail.com... ( read more ) LEARN MORE ABOUT: IRA Accounts INVESTING IN A GOLD IRA: Gold IRA Account INVESTING IN A SILVER IRA: Silver IRA Account REVEALED: Best Gold Backed IRA ...

Losing a life partner is one of the hardest moments in a person's life. Unfortunately, one person in every relationship will be faced with this difficult reality. Speaking personally, my number one objective, if I were to pass away, is to make sure money is the last thing my wife needs to worry about. ...not only during the grieving process but for years (and maybe decades) to come. I'm sure I share this sentiment with many of you. However, because of the lack of real retirement planning in our industry, I find many retirees don't have a real answer for what happens to their plan if one spouse passes away earlier or later in than was originally estimated. Many focus on the loss of income from Social Security and pensions. This makes sense. Given the situation, the potential loss of income can be substantial. However, there is a lot more at play here... The surviving spouse will face numerous unexpected tax hurdles. They will see certain expenses rise bot...

Show Notes: 5 Key Changes to your IRA/401k as result of Secure Act 2.0 being signed into law. 1) Delayed RMD age. 2) Qualified Charitable Distribution (QCD) improvements. 3) Roth options in employer plans 4) Leftover 529 balances to a Roth IRA. 5) Missed RMD penalty reduced. Watch the video to learn more! Questions? Email us at Hans@CardinalGuide.com, call us at (919) 535-8261, or visit our website at H E Scheil & Associates doing business as Cardinal Advisors holds an insurance license in all 50 states and DC. Listed below is the license # in each individual state. Alabama 675461, Alaska. 100118081, Arizona. 1800012348, Arkansas 100104794, California 0K32569, Colorado 464622, Connecticut 2463129, Delaware 1119857, DC 2887040, Florida L087124, Georgia 159539, Hawaii 445296, Idaho 507076, Illinois 100333675, Indiana 721739, Iowa. 1002056691, Kansas. 272705345, Kentucky 738674, Louisiana 614407, Maine AGN249408, Maryland 100048542, Massachusetts 2006645, Michigan 01042...

This video provides the difference between Traditional IRA and Roth IRA Retirement Plans. The video will help you decide which plan is the best for you. Watch other videos on my channel on Tips to Financial Independence 401K & 403B #required minimum distribution #roth ira contribution limit #traditional ira contribution limit #how to achieve financial independence and retire early #how to achieve financial independence #how to achieve financial freedom #how to reach financial independence #tips to financial independence... ( read more ) LEARN MORE ABOUT: IRA Accounts INVESTING IN A GOLD IRA: Gold IRA Account INVESTING IN A SILVER IRA: Silver IRA Account REVEALED: Best Gold Backed IRA The debate over whether to invest in a traditional individual retirement account (IRA) or a Roth IRA has been ongoing for years. Both types of accounts offer unique benefits and deciding which is best for you will ultimately depend on your individual financial situ...

Ronnie goes in depth on the advantages a spouse has with an inherited IRA and how they can avoid RMDs.... ( read more ) LEARN MORE ABOUT: IRA Accounts TRANSFER IRA TO GOLD: Gold IRA Account TRANSFER IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA An Individual retirement account , commonly known as an IRA, can be an excellent source of retirement income. However, inheriting an IRA can also provide significant advantages for the beneficiaries. Inheriting an IRA can offer a financial boost to the beneficiaries and provide them with various tax advantages. One of the most significant advantages of inheriting an IRA is its potential for continued tax-deferred growth. The beneficiary can continue to grow their inheritance for years to come, without having to pay taxes on any investment gains until withdrawals are made. Additionally, inheriting an IRA allows the beneficiary to withdraw the inherited funds over their lifetime, which is a sign...

The original SECURE Act of 2019 extended the age from 70 ½ to 72 where you are required to take Required Minimum Distributions (RMDs) from your IRA accounts. Now with the passing of the Omnibus Bill, SECURE Act 2.0 extends Required Minimum Distributions (RMDs) beginning date to age 73, starting in 2023. If you are nearing retirement, you need to stay up to date on these changes, and how they may affect your retirement portfolio. Pay attention to the details including how the penalties for not taking withdrawals on time will affect you… ✅ SUBSCRIBE to NOT being a transaction ever again... ✅ Like us on Facebook! ✅ Follow us on Twitter! ✅ Check out our site for more tips With the passage of SECURE Act 2.0, Required Minimum Distributions (RMDs) are phased in over the next 10 years. Here’s the breakdown of when you need to take RMDs: In phase #1: RMDs will now start at age 73, starting in 2023. If you have already started RMDs, this will not c...

You have questions, Tom has answers! Send us topics and questions at or email us at asktom@talkmoneywithtom.com Visit Our Website: To book an introductory meeting with Tom: Tom Vaughan is a Certified Portfolio Manager and CEO of Retirement Capital Strategies. Retirement Capital Strategies is a registered investment advisor located in San Jose, California. DISCLAIMER: The opinions voiced in these presentations are for general information only and are not intended to provide specific advice or recommendations for any individual(s). The information provided herein is obtained from sources believed to be reliable, but no reservation or warranty is made as to its accuracy or completeness. Tom Vaughan and Retirement Capital Strategies are not responsible for investment actions taken by viewers. For more details, please read our full disclaimer at #investmentincome #retirementplanning #retirementsavings #retirementgoals #investmentstrategy #talkmoneywithtom #investing #...

Do you have a tax-efficient retirement income strategy that minimizes RMDs and preserves tax-free growth within your Roth Accounts? You can schedule an appointment with one of our Retirement Experts to look at your situation and help you plan for your future. Call us at (920) 544-0576 or go to Did you know there are two instances where Roth accounts will have a mandated withdrawal? Now, the good news here is that you won't have a tax consequence from a Roth RMD. The bad news is that taking money from any account when you don't want to (specifically a Roth IRA), is nonoptimal. That withdrawal can no longer compound tax-free. The Roth RMD comes from the type of Roth plan you have. Certain company-sponsored plans are subject to the normal RMD rules. Luckily, avoiding this specific RMD is very simple. We discuss how in this video... The second Roth RMD comes from inheritances. Now inherited IRA rules have become a bit more complex in recent years. Certain reti...

Your starting RMD age (likely) just changed. Do you know how it affects your income and tax plan in retirement? You can schedule an appointment with one of our Retirement Experts to look at your situation and help you plan for your future. Call us at (920) 544-0576 or go to At the end of 2022, SECURE Act 2.0 was passed, and with it, changes are coming to the retirement planning space. RMD rules, QCD limits, retirement contributions, 529 to Roth Rollover, and more... All of these areas are seeing some massive adjustments. In today's video, we talk about 3 major changes coming to required minimum distributions. Timestamps: 0:00 Your RMD Age is Changing... 0:12 SECURE Act 2.0 Explained 0:48 The New RMD Rules 1:42 No Roth 401k RMDs/25% RMD Penalty 3:17 How will this impact your retirement tax plan? - - - - - - - - - - - - - - Always remember, "You Don't Need More Money; You Need a Better Plan" 🍿 Subscribe to our channel: 🏆 ...

To learn more about Jim's upcoming FREE virtual events go to In the first video of this Roth IRA Conversion webinar series, Jim Lange discusses an overview of this webinar including discussing for the first time, in-depth, his four top advanced Roth IRA Strategies as well as the basics of making a Roth Conversion. 00:00 - Intro 01:44 - Things You Can Control vs. Things You Can't Control - The Market 06:25 - What We Will Cover 10:35 - What is The SECURE Act 12:00 - SECURE Act: Potential Impact on Child 14:25 - The SECURE Act Exceptions 19:25 - Tax Cuts and Jobs Act of 2017 20:15 - Compare Tax Rates of 2017 and 2022 Like what you've heard from Jim so far? Call our offices at (412) 521-2732 if you're in the Pittsburgh area or call toll-free at (800) 387-1129 and schedule an appointment to meet with Jim! Go to to get all of Jim's incredible content and his books and learn how you can Retire Secure! #retirement #retirementplanning #rothira #rothirac...

Will This New Law Change Your Retirement? - Schedule Your FREE Retirement Assessment Today Make retirement planning Easier Subscribe Now: Download Our Retirement Toolkit: On this episode of the Retire Once Show, Johnathan and Melissa discuss the new Secure Act 2.0. This law has over 100 different retirement provisions. There are so many changes that this law impacts and on this episode, we cover the top changes that are coming with the new Secure Act 2.0. With everything from new ages for RMD (required minimum distributions) to an increase coming to catch-up contributions, there are so many things to unpack in this 4100 page law. If you have questions or comments for the show email us Retire@theoremwm.com or head to www.Retireonceshow.com - Johnathan Rankin CRPC® CEPA®, Founder & CEO - Melissa Rankin - Wealth Management Advisor - Theorem Wealth Management 🎁 [ULTIMATE RETIREMENT TOOL KIT] 👍 [SCHEDULE A CONVERSATION] 😁 [REA...

What exactly is the required minimum distribution? It's what CNBC often suggests people pay when it comes to their IRAs and 401Ks. I will go against this piece of advice though in today's episode, and show you how doing the opposite can be more beneficial to you, so keep on watching! To your abundance! Doug Andrew Key Moments In This Episode ======================== 01:00 What to expect in today's video 02:23 Is deferring taxes the solution? 03:40 Pros and cons of qualified plans 04:20 What will happen if you don't withdraw at age 70 06:30 Looking at the required minimum 09:10 Strategic rollout Did you love this video? Want to learn more wealth and life empowerment lessons from Doug? Here are some next steps! ======================== How to Diversify and Create the Foundation for a Tax-Free Retirement How to Lead Your Family/Business from “ME” to “WE” Discover The 3 Tools For A Strategic And Predictable Retirement Learn more about Live Abundant her...

Visit my Channel URL for more related videos. Here’s the link: CLICK COMMENTS BELOW TO SEE MORE. A FREE eBook, MY FREE CATECHISM and MY FREE BIBLE HISTORY (made up of The New Testament and The Old Testament), have the following features: 1. They have an imprimatur, which means it is approved by the Catholic Church. 2. They are up-to-date, but written from a conservative, traditionalist standpoint. 3. They are illustrated with plenty of colorful illustrations, which make the book interesting and easier to read. 4. The eBook, MY FREE CATECHISM, is written in question-and-answer format. Request your FREE copy of MY FREE CATECHISM here: Request your FREE copy of THE BIBLE HISTORY here, which comes in two volumes: The Old Testament and The New Testament: Link from AARP: Link to IRS website: ... ( read more ) LEARN MORE ABOUT: IRA Accounts INVESTING IN A GOLD IRA: Gold IRA Account INVESTING IN A SILVER IRA: Silver IRA Account REVEALED: Best Gold Bac...

A common misconception is that you can take all your RMDs from one tax-deferred account. But, that’s not exactly true! In this video, we discuss the accounts that you can mix and those that you cannot. We also share some key strategies to help simplify your required minimum distributions. Have a question about Personal Finance, Federal Benefits, or retirement planning ? Post in the comments section or contact us at: Are you seeking a financial planner who specializes in working with federal employees? Schedule a free consultation at: Connect with Fedway Financial on Social Media: Connect with Jerel Harvey on Social Media: #TheMoneyBriefing #RequiredMinimumDistribution #RMD 🎵 Music provided by LAKEY INSPIRED – Chill Day Disclaimer: All content on this site is for general information purposes only and is not intended to provide any personalized financial advice.... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold ...

Retirement accounts create a large incentive for careers nowadays, allowing certain companies to match a portion of an employee's salary. Knowing the characteristics for each retirement account and personal future goals will ultimately dictate which account will best fit your retirement goals. The video today will be covering the Traditional IRA and the Roth IRA. SUMMARY TRANSCRIPT (Updated: 9/2/20): The traditional retirement account defers taxes, allowing individuals to take advantage of present day tax deductions. This is great for those who plan to retirement in a lower tax bracket, taking advantage of the deductions and lower tax payments to the IRS. The Roth retirement account is a tax-free account, meaning the money contributions will be money after-taxes. No tax deductions are allowed (because you already paid your taxes lol); however, any withdrawals (requirements met) will not be taxes, making it a great tax free retirement option. STOCK & CRYPTO LI...

We help people who are entering retirement or want good retirement strategies to create retirement monies they can never outlive. Visit me at my office for a free consultation! Call: 1-833-313-7233 ***Connect with us on Facebook: *** *** Visit us online at www.JustAskFreeman.com *** Financial Sources Inc. 6111 Ivy Ridge Ct Upper Marlboro, MD 20772  Phone: (301) 627-0123 www.JustAskFreeman.com... ( read more ) LEARN MORE ABOUT: IRA Accounts TRANSFER IRA TO GOLD: Gold IRA Account TRANSFER IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA https://inflationprotection.org/ira-rollovers-for-2019/?feed_id=48560&_unique_id=639582fccac85 #Inflation #Retirement #GoldIRA #Wealth #Investing #babyboomers #irarollover #maryland #requiredminimumdistribution #retirees #Retirement #retirementmoney #retirementplanning #retirementsavings #savings #socialsecurity #socialsecurityadministration #socialsecuritybenefits #socialsecurityclaiming #...