The Retirement Nerds

Erik Soderborg
  • 0.0 (0)
  • EDUCATION
  • MONTHLY

Retirement gets complicated. Medicare, Social Security, Investments, and your Estate Plan are the core of your retirement decisions, but each of those gets remarkably complex. They are mazes with minefields every step of the way that lead to confusion and nightmares. Our channel puts out videos to help remove obstacles, clear up the mess, and keep your retirement decisions a whole lot more simple.

  1. 2 APR

    Is Long-Term Care Insurance Worth It? Here's What to Consider

    How much does long-term care really cost — and how do you actually prepare for it? In this video, I sit down with Marc Glickman, President of BuddyIns, to break down everything you need to know about long-term care insurance — from how to get it, what it covers, and most importantly, how to actually use it when the time comes.With average long-term care costs running $6,400 per month or more, this is a conversation every retiree and pre-retiree needs to have. Marc shares his expert insight on navigating the process, avoiding common mistakes, and making sure your policy works for you — not against you.Website to get a quote or connect with Marc:https://partner.buddyins.com/retirementnerdsLong Term Care 101 Video: https://youtu.be/ytsdfesv_ukCheck out our resources at https://TheRetirementNerds.com/=============================Send me a message!Erik@TheRetirementNerds.com==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/============================================================⏰ TIME CODES ⏰0:00 Intro0:30 Employer Options3:18 Underwriting4:17 If You Leave Employer5:20 Premium Increases8:20 Under 65 vs Over 6510:30 How to Use a Policy13:20 Where to Get Care16:23 Beware Overinsurance22:15 Gender Implications24:07 Future of Care (Robots?)28:50 Where to get help=============================#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #longtermcareplanning Federal Disclaimer:We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

    31 min

  2. 1 APR

    The Truth About Annuities And What Every Person Needs to Know Before Buying One

    💰 Considering an annuity for retirement income? Financial expert Zacc Call breaks down everything you need to know about annuities - how they work, the fees involved, pros and cons, and whether they're the right choice for YOUR retirement. If you've been approached by a financial advisor about purchasing an annuity, or you're exploring guaranteed income options for retirement, this interview will give you the honest facts you need to make an informed decision. Get the Annuity Guide shown in the video here: https://theretirementnerds.com/annuity-guide-download/ Get the Financial Professionals Guide here: https://theretirementnerds.com/financial-professionals-guide/ Financial Professionals Video: https://youtu.be/8uC1lgkZUWE How to reach Zacc's Team: https://capitafinancialnetwork.com/ Zacc's YouTube Channel: https://www.youtube.com/@ZaccMoneyEducation Your Best Financial Year Newsletter: https://www.capitafinancialnetwork.com/your-best-financial-year Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a message!Erik@TheRetirementNerds.com ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro 0:25 Who should ignore annuities 3:27 Who should consider annuities 8:20 Different Categories of Annuities 9:50 The Pension Annuity 22:45 The Bond Imitator Annuity 31:08 The Investment Portfolio Annuity 42:28 The Downside Protector Annuity 54:15 Account Value vs Income Value 59:59 The Boxed-In Investor Annuity 1:08:48 The Kitchen Sink Annuity 1:16:10 How Salespeople are Compensated 1:23:57 Deciding on Which 1:32:51 Zacc's Plea 1:33:33 Where to get help ============================= #annuity #annuities #theretirementnerds #retirementnerds #finance Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

    1hr 36min

  3. 25 MAR

    The RMD Reality Check Every Retiree Needs

    Required Minimum Distributions can be one of the most confusing parts of retirement planning — and getting them wrong can lead to unnecessary taxes, missed opportunities, and costly mistakes. In this video, we discuss: • What Required Minimum Distributions are • When RMDs start • How RMDs are calculated • Common RMD mistakes retirees make • How RMDs affect taxes in retirement • Retirement planning strategies related to RMDs RELATED VIDEOS: https://youtu.be/aiv9eW8tizk https://youtu.be/yhT_MkMT2Oc https://youtu.be/zjrbXScvmDA CONNECTING WITH ZACC: Phone: 801-566-5058 Email: Connect@CapitaMail.com Website: CapitaFinancialNetwork.com Your Best Financial Year: https://www.capitafinancialnetwork.com/your-best-financial-year Subscribe to The Retirement Nerds for more videos on retirement planning, Medicare, Social Security, taxes, and financial decisions that matter in retirement. Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a message! Erik@TheRetirementNerds.com ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro 1:16 RMD Definition 2:35 Accounts Subject to RMDs 3:35 Timelines 5:19 How Do They Make You? 12:37 Multiple IRAs and 401(k)s 18:45 How RMDs Calculated 21:50 Who Should Be Aware? 28:19 How Scary Are RMDs? 30:25 Suzy's Example 41:40 Real Example: Paying off Home 44:34 Cancer Example 47:50 Inheritance Implications 49:49 Big Age Gap Between Spouses 52:02 Planning for RMDs 58:34 Account Growth Outpacing RMDs 1:01:10 QCD & DAF Clarifications 1:05:14 Final Message About RMDs 1:07:19 Question from the Comments 1:10:56 Where to Get Help ============================= #medicare #theretirementnerds #socialsecurity #retirementnerds #finance #RMDs #requiredminimumdistribution Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

    1hr 15min

  4. 4 MAR

    Roth IRA 5-Year Rules: How to Avoid Penalties & Taxes

    Do you know about the two Roth 5-year rules? If you don't, violating them could cost you thousands in penalties and taxes. RELATED VIDEOS: https://youtu.be/RODrPaJ-xNU https://youtu.be/9boiPwzOats ZACC'S CHANNEL: https://www.youtube.com/@ZaccMoneyEducation CAPITA FINANCIAL NETWORK LINKS: Email: Connect@capitamail.com Website: https://capitafinancialnetwork.com/ Your Best Financial Year Program: https://www.capitafinancialnetwork.com/your-best-financial-year ✅ Topics covered: • The Forever 5-Year Rule • The 5-Year Penalty Rule • Examples • A framework to help you avoid these issues Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a message!Erik@TheRetirementNerds.com ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro 0:23 The Two 5-Year Rules 3:40 Rule #1 - The Forever 5 Year Rule 7:59 Rule #2 - 5-Year Conversion Rule 9:23 5 Examples 9:53 Example 1 - George Dream Car 15:06 Example 2 - Susan's Serger 18:27 Example 3 - Richard's Cabin 25:18 Example 4 - Jared's Urns 29:54 Example 5 - Margo's Obsession 43:30 Question from Viewer 48:22 Where to Get Help ============================= #investing #theretirementnerds #roth #rothvstraditional #retirementnerds #finance Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

    51 min

  5. 19 FEB

    The Family Conversation Nobody Wants to Have: How to Help Your Parents With Estate Planning

    Talking to your parents about estate planning can feel uncomfortable… but waiting too long can create confusion, conflict, and costly mistakes.In this episode, Jim Burch talks about how to start the estate planning conversation with your parents — without causing tension or resistance. This conversation is essential for adult children, caregivers, and anyone navigating family financial planning. Contact Jim: service@easylegalplanning.com https://easylegalplanning.com/ OTHER ESTATE PLANNING VIDEOS: https://youtu.be/nkFQmsdCW-I https://youtu.be/GlF9z6jyMio Subscribe for more interviews about Medicare, financial planning, estate planning, retirement strategy, and real-life conversations that matter. Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a message! Erik@TheRetirementNerds.com ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 How to Start The Conversation 4:01 What Benefits Can I Present? 5:40 The Right People in the Right Seats 7:28 Multiple Decision Makers 9:37 Emotions vs Logic 11:30 Guilt of Decisions 12:58 Tips on Starting the Conversation 14:35 Other Resources 16:23 Where to Get Help ============================= #medicare #theretirementnerds #socialsecurity #retirementnerds #finance #estateplanning #estateplan Disclaimer: This is not legal advice. Please consult with an estate planner around your specific situation.

    21 min

  6. 11 FEB

    Watch This Before You Do A Roth Conversion

    If you want to know how to approach a mathematically sound roth conversion strategy, watch this video! Social Security Taxability Video: https://youtu.be/NxH2jHzZwFo Get the Free Social Security Taxability Worksheet Here: https://theretirementnerds.com/social-security-worksheet/ Need help? Email me! Erik@TheRetirementNerds.com Visit our website: https://www.TheRetirementNerds.com Join our newsletter: https://theretirementnerds.com/newsletter/ ============================= This video is NOT sponsored. The Retirement Nerds is the no-cost educational platform and serves to offer information around Medicare, Social Security, Financial Planning, and Estate Planning. ============================= Send me a message! ============================= Erik@TheRetirementNerds.com ⏰ TIME CODES ⏰ 0:00 Intro 1:00 3 Steps to Do Roth Right 3:25 Conversions vs Contributions 5:13 Step 1: Model Out Taxable SS Income 7:00 Step 2: Layer On Other Income 8:01 Step 3: Understand Traditional, Roth, After Tax 10:45 Starting the Analysis 15:24 Understanding Extra Income Needs 16:16 Serious Issues with Software 17:35 Convert Nothing Idea 29:48 Convert Everything Idea 45:30 Pros & Cons of Convert Nothing and Everything 52:03 Convert Something... how much? 1:06:49 Pros & Cons of Converting Something 1:09:24 Bringing it all together 1:10:25 Question From The Internet 1:16:24 Where to get help ============================= #rothira #theretirementnerds #retirementnerds #rothvstraditional #retirement #retirementplanning #retirementinvesting #retirementadvice #retirementincome #finance #financialfreedom Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

    1hr 18min

  7. 31 JAN

    Why Smart People Still Don’t Have an Estate Plan

    Most people know they should have an estate plan — yet millions never finish one. In this episode of The Retirement Nerds, I sit down with estate planning expert Jim Burch to break down the biggest hurdles that stop families from completing their estate plan — and how to overcome them. We talk through the most common barriers, including fear of cost, not knowing where to start, avoiding uncomfortable conversations, information overload, and the belief that you must immediately hire a lawyer. Jim explains why these concerns are so common and shares practical ways families can move forward with confidence. If you’ve been putting off your estate plan, this conversation will help you understand what’s actually holding you back — and how to finally get it done. How to Get A Hold of Jim: Website: EasyLegalPlanning.com Email: Service@EasyLegalPlanning.com OTHER VIDEOS WITH JIM: https://youtu.be/nkFQmsdCW-I https://youtu.be/jaKuNJsLSX4 https://youtu.be/pr5sUzt5agw Check out our resources at https://TheRetirementNerds.com/ ============================= Send me a message! Erik@TheRetirementNerds.com ========================================================== Be Sure to Subscribe to our Channel! ============================= YouTube: @theretirementnerds ============================================================ Join our newsletter for monthly tips, book recommendations, and personal stories! https://theretirementnerds.com/newsletter/ ============================================================ ⏰ TIME CODES ⏰ 0:00 Intro 1:00 Costs 4:48 Where to Start 9:38 Afraid to Have the Conversation 13:30 Good and Bad Information 19:13 I Don't Want to Hire an Attorney 21:30 Where to Get Help ============================= #estateplan #estateplanning #willvstrust #theretirementnerds #socialsecurity Disclaimer:This is not legal advice. Consult with an estate planning expert for your specific needs.

    22 min

  8. 26 JAN

    CPA Explains How to Gift Money to Your Kids the Right Way

    If you want to help your children financially without triggering unnecessary taxes or IRS headaches, Daniel the CPA explains how to do this in the smartest, most tax-efficient ways. We cover the annual gift tax rules, common mistakes retirees make misunderstanding step up in basis, how gifts can impact your overall tax picture, and the strategies CPAs use to transfer wealth while minimizing taxes. If you’re thinking about helping your kids with a home, education, or everyday expenses, this interview will help you avoid costly errors. Daniel Astleford is a Certified Public Accountant (CPA) and runs his own accounting firm. HERE IS WHERE TO FIND DANIEL: Website: https://danielthecpa.com/ LinkedIn: https://www.linkedin.com/in/daniel-astleford/ OTHER VIDEO WITH DANIEL: https://youtu.be/G1Dc6gVv90g OTHER RELEVANT VIDEOS: https://youtu.be/zjrbXScvmDA https://youtu.be/nkFQmsdCW-I The Retirement Nerds: ⬜️ Join The Retirement Nerds circle here - https://theretirementnerds.com/ ⬜️ Join the Monthly Retirement Nerds Newsletter here - https://theretirementnerds.com/newsletter/ ⏱ Timestamps: 00:00 Intro 01:30 Individual Annual Exclusion 02:54 Tax on Funds Used as Gift 06:09 Gifting Cash vs Other Assets 09:39 Gifting Real Estate 13:42 Education Expenses 15:49 Medical Expenses 16:34 The Death Tax 20:50 Where to Get Help PLEASE NOTE: This video is for education purposes only.It does not constitute legal or tax advice for your specific situation.

    24 min
See All (45)

About

Retirement gets complicated. Medicare, Social Security, Investments, and your Estate Plan are the core of your retirement decisions, but each of those gets remarkably complex. They are mazes with minefields every step of the way that lead to confusion and nightmares. Our channel puts out videos to help remove obstacles, clear up the mess, and keep your retirement decisions a whole lot more simple.

Information

  • Creator
    Erik Soderborg
  • Years Active
    2025 - 2026
  • Episodes
    45
  • Rating
    Clean
  • Copyright
    © Erik Soderborg
  • Show Website
    The Retirement Nerds

You Might Also Like