Behind The Wealth Podcast Roger Abel

Roger and Elias discuss the 'Great Wealth Transfer', how to determine a sustainable withdrawal rate, considerations for Roth conversions and how to gauge your financial progress.
Take control of your financial future: https://www.btwealthshow.com/start-planning
Follow Us on Facebook.com/BTWealthShow 
Subscribe to the Podcast https://linktr.ee/BehindTheWealth
Hosted By: Roger AbelGuest Host: Elias RandelProduced By: Molly Nordlocken
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.  The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for  any individual. To determine which investments may be appropriate for  you, consult with your attorney, accountant, and financial or tax advisor prior to investing.   All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.  Premier Investments of Iowa, Inc. and LPL Financial do not provide tax advice, please consult your tax professional. 
Dollar cost averaging involves continuous investment in securities  regardless of fluctuation in price levels of such securities.  An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure profit and does not  protect against loss.  Economic forecasts set forth may not develop as predicted and there  can be no guarantee that strategies promoted will be successful.  There is no assurance that the techniques and strategies discussed are  suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
Consult your tax professional about eligibility to Roth and Traditional IRA  contributions. Contributions and earnings in a Roth IRA can be withdrawn  without paying taxes and penalties if the account owner is at least 59 ½  and has held their Roth IRA for at least five years.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing. 
Data Sources: Consumer Price IndexStandard & Poor'sIRSCNBC

Roger and Elias discuss how financial advisors can help you have tough money conversations, why an inheritance shouldn't be your retirement plan, and smart strategies for gifting to your children. Plus a conversation on why your net worth shouldn't be the only metric you look at when it comes to retirement planning.
Take control of your financial future: https://www.btwealthshow.com/start-planning
Follow Us on Facebook.com/BTWealthShow 
Subscribe to the Podcast https://linktr.ee/BehindTheWealth
Hosted By: Roger AbelGuest Host: Elias RandelProduced By: Molly Nordlocken
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.  The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for  any individual. To determine which investments may be appropriate for  you, consult with your attorney, accountant, and financial or tax advisor prior to investing.   All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.  Premier Investments of Iowa, Inc. and LPL Financial do not provide tax advice, please consult your tax professional. 
Dollar cost averaging involves continuous investment in securities  regardless of fluctuation in price levels of such securities.  An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure profit and does not  protect against loss.  Economic forecasts set forth may not develop as predicted and there  can be no guarantee that strategies promoted will be successful.  There is no assurance that the techniques and strategies discussed are  suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
Consult your tax professional about eligibility to Roth and Traditional IRA  contributions. Contributions and earnings in a Roth IRA can be withdrawn  without paying taxes and penalties if the account owner is at least 59 ½  and has held their Roth IRA for at least five years.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing. 
Data Sources: 2024 Annual Retirement Study from Allianz Life InsuranceFederal Reserve Bank of BostonCNBC

This week, Roger and Elias discuss college savings, retirement regrets, how to view saving, spending and value your time. Plus they talk about saving vs. investing. 
Take control of your financial future: https://www.btwealthshow.com/start-planning
Follow Us on Facebook.com/BTWealthShow 
Subscribe to the Podcast https://linktr.ee/BehindTheWealth
Hosted By: Roger AbelGuest Host: Elias RandelProduced By: Molly Nordlocken
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.  The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for  any individual. To determine which investments may be appropriate for  you, consult with your attorney, accountant, and financial or tax advisor prior to investing.   All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.  Premier Investments of Iowa, Inc. and LPL Financial do not provide tax advice, please consult your tax professional. 
Dollar cost averaging involves continuous investment in securities  regardless of fluctuation in price levels of such securities.  An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure profit and does not  protect against loss.  Economic forecasts set forth may not develop as predicted and there  can be no guarantee that strategies promoted will be successful.  There is no assurance that the techniques and strategies discussed are  suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
Consult your tax professional about eligibility to Roth and Traditional IRA  contributions. Contributions and earnings in a Roth IRA can be withdrawn  without paying taxes and penalties if the account owner is at least 59 ½  and has held their Roth IRA for at least five years.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing. 
Data Sources: EmpowerCNBC

This week Roger and Elias talk about money lessons you can learn from tennis stars Venus & Serena Williams. Plus a conversation on phantom debt and when you should invest. 
Take control of your financial future: https://www.btwealthshow.com/start-planning
Follow Us on Facebook.com/BTWealthShow 
Subscribe to the Podcast https://linktr.ee/BehindTheWealth
Hosted By: Roger AbelGuest Host: Elias RandelProduced By: Molly Nordlocken
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.  The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for  any individual. To determine which investments may be appropriate for  you, consult with your attorney, accountant, and financial or tax advisor prior to investing.   All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.  Premier Investments of Iowa, Inc. and LPL Financial do not provide tax advice, please consult your tax professional. 
Dollar cost averaging involves continuous investment in securities  regardless of fluctuation in price levels of such securities.  An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure profit and does not  protect against loss.  Economic forecasts set forth may not develop as predicted and there  can be no guarantee that strategies promoted will be successful.  There is no assurance that the techniques and strategies discussed are  suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
Consult your tax professional about eligibility to Roth and Traditional IRA  contributions. Contributions and earnings in a Roth IRA can be withdrawn  without paying taxes and penalties if the account owner is at least 59 ½  and has held their Roth IRA for at least five years.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing. 
Data Sources: Schwab’s 2018 Modern Wealth IndexWells Fargo/Gallop's Investor and Retirement Optimism IndexHearts & Wallets 2022 “The Power of Planning: Proven Benefits That Transform Consumer Financial Outcome”

Roger and Elias talk about the Fed's latest decision to hold interest rates steady, the dangers of hiding debt from your partner, retirement regrets, and how money impacts your mental health. 
Take control of your financial future: https://www.btwealthshow.com/start-planning
Follow Us on Facebook.com/BTWealthShow 
Subscribe to the Podcast https://linktr.ee/BehindTheWealth
Hosted By: Roger AbelGuest Host: Elias RandelProduced By: Molly Nordlocken
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.  The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for  any individual. To determine which investments may be appropriate for  you, consult with your attorney, accountant, and financial or tax advisor prior to investing.   All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.  Premier Investments of Iowa, Inc. and LPL Financial do not provide tax advice, please consult your tax professional. 
Dollar cost averaging involves continuous investment in securities  regardless of fluctuation in price levels of such securities.  An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure profit and does not  protect against loss.  Economic forecasts set forth may not develop as predicted and there  can be no guarantee that strategies promoted will be successful.  There is no assurance that the techniques and strategies discussed are  suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
Consult your tax professional about eligibility to Roth and Traditional IRA  contributions. Contributions and earnings in a Roth IRA can be withdrawn  without paying taxes and penalties if the account owner is at least 59 ½  and has held their Roth IRA for at least five years.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing. 
Data Sources: MedicareFAQFederal ReserveCNBC

Roger and Elias discuss what to expect when you start investing, how life expectancy for Americans is expected to shift over the next 30 years, why some Americans are worried about the impact changes to Social Security and Medicare could have on their retirement, how financial literacy could lead to more financial confidence, and what value a financial advisor can add to your life. 
Take control of your financial future: https://www.btwealthshow.com/start-planning
Follow Us on Facebook.com/BTWealthShow 
Subscribe to the Podcast https://linktr.ee/BehindTheWealth
Hosted By: Roger AbelGuest Host: Elias RandelProduced By: Molly Nordlocken
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.  The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for  any individual. To determine which investments may be appropriate for  you, consult with your attorney, accountant, and financial or tax advisor prior to investing.   All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.  Premier Investments of Iowa, Inc. and LPL Financial do not provide tax advice, please consult your tax professional. 
Dollar cost averaging involves continuous investment in securities  regardless of fluctuation in price levels of such securities.  An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure profit and does not  protect against loss.  Economic forecasts set forth may not develop as predicted and there  can be no guarantee that strategies promoted will be successful.  There is no assurance that the techniques and strategies discussed are  suitable for all investors or will yield positive outcomes.  The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
Consult your tax professional about eligibility to Roth and Traditional IRA  contributions. Contributions and earnings in a Roth IRA can be withdrawn  without paying taxes and penalties if the account owner is at least 59 ½  and has held their Roth IRA for at least five years.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing. 
Data Sources: 2024 Retirement Confidence SurveySurvey of Consumer Finances from the Federal Reserve.AARPTIAA Institute and the Global Financial Literacy Excellence Center (GFLEC)'s 2024 FINANCIAL LITERACY AND RETIREMENT FLUENCY