2h ago

Episode 139 – Should You Pay Taxes Now or Later? The Roth IRA Question

What if one of the biggest retirement decisions isn't how much you save, but when you pay taxes? Roth IRAs offer potential tax advantages, but knowing when and how to use them is just as important as understanding how they work. From Roth IRAs and Roth 401(k)s to backdoor Roth strategies and conversions, there are several ways to approach tax planning for retirement. Jeremiah and Laura explore how income limits, tax brackets, and retirement timing can influence which strategies may fit your financial picture. For business owners, high-income earners, and those approaching retirement, the goal isn't simply to pay less in taxes today, but to make thoughtful decisions with the future in mind.    ---              Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Oct 16

Episode 138 – Can Money Actually Buy You More Time?

What would you do with an extra hour in your day? For Jeremiah and Laura, the answer isn't necessarily more work. Sometimes it's playing chess with their kids, being fully present at a soccer game, or simply having enough space at the end of the day for a conversation that otherwise might not happen. From grocery delivery and oil changes to getting help with lunches and household tasks, they share how they've experimented with spending money to reclaim their time and energy. The goal isn't to outsource everything. The goal is to decide what deserves your time, what someone else can do, and what you want to make more room for in your life. ---             Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Oct 9

Episode 137 - Saving for Retirement Is Only Half the Problem

For generations, retirement looked pretty simple: work for the same company, earn a pension, and receive a steady paycheck after you retired. Today, the responsibility looks very different. 401(k)s have created more flexibility, but they’ve also left many people wondering: Have I saved enough, and how do I turn what I’ve accumulated into income? Jeremiah and Laura look at how retirement has evolved, the differences between pensions and 401(k)s, and how Social Security, investments, and other income sources can work together. Because retirement isn’t about reaching an arbitrary number. The real question is what you need your money to make possible. ---              Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Oct 6

Episode 136 – The Financial Checklist You’ve Been Putting Off

Some parts of your financial plan are easy to put off because nothing seems wrong today. But just like a small leak at home, the things you ignore can become much more important when life changes. In this episode, Jeremiah and Laura walk through some of the financial maintenance that can be easy to overlook, from insurance and beneficiaries to estate planning, business succession, cybersecurity, and family communication. Consider this a financial checkup for the things that may have been sitting on your to-do list a little too long. ---             Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Sep 18

Episode 134 – Should You Buy a Business or Start Your Own?

Starting a business from scratch isn't the only path to entrepreneurship. Buying an existing business can give you a head start, but it comes with its own financial considerations. In this episode, Jeremiah and Laura explore what to consider when choosing between buying a business and building one yourself, including cash flow, valuation, financing, personal risk, and the role you actually want to have as an owner. They also discuss an important question that can easily get overlooked: Does this opportunity move you toward the future you want? Whether you're considering your first business or your next one, taking time to understand the opportunity can help you move forward with greater clarity. ---           Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Sep 14

Episode 133 - Is Being Debt-Free Always the Right Goal for Business Owners?

For business owners, being debt-free may sound like the ultimate goal. But as a business grows, financing can become one of many factors to evaluate when considering a new opportunity. In this episode, Jeremiah and Laura explore how business owners can think about debt within a larger financial plan. From acquisitions and commercial real estate to cash flow, liquidity, and personal guarantees, they discuss important considerations before taking on debt for a business. The goal is not simply to avoid debt or take on more of it. The conversation focuses on understanding what the capital is intended to support, the risks and tradeoffs involved, and how the decision fits into the bigger financial picture. ---           Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Sep 4

Episode 132 - Inflation & Interest Rates: What Do They Mean for Your Financial Plan?

Inflation and interest rates are constantly making headlines, but what do they actually mean for your financial plan? In this episode, Jeremiah and Laura put today’s economic environment into perspective and discuss how changing rates can affect decisions around retirement, borrowing, investing, and cash. More importantly, they explore why a strong financial plan should be built to adapt as conditions change, so you can stay informed without letting every headline drive your next decision. Stay informed, stay curious, and keep the focus on what you can control. ---          Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Aug 28

Episode 131 – You Received an Inheritance. What Should You Do Next?

Receiving an inheritance can open new possibilities, but deciding what to do with it may not be as simple as expected. In this episode, Jeremiah and Laura discuss what to consider before making major financial decisions, from understanding what you actually inherited to navigating potential tax considerations and giving yourself time to think about what comes next. They also explore how an inheritance can fit into your broader financial plan and the future you want to build. Whether the inheritance was expected or came as a surprise, a thoughtful approach can help you move forward with greater clarity. #inheritance #financialplanning #wealthmanagement #estateplanning ---         Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Retirement Unlimited

Episode 139 – Should You Pay Taxes Now or Later? The Roth IRA Question

Episode 138 – Can Money Actually Buy You More Time?

Episode 137 - Saving for Retirement Is Only Half the Problem

Episode 136 – The Financial Checklist You’ve Been Putting Off

Episode 134 – Should You Buy a Business or Start Your Own?

Episode 133 - Is Being Debt-Free Always the Right Goal for Business Owners?

Episode 132 - Inflation & Interest Rates: What Do They Mean for Your Financial Plan?

Episode 131 – You Received an Inheritance. What Should You Do Next?

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Retirement Unlimited

Episodes

Episode 139 – Should You Pay Taxes Now or Later? The Roth IRA Question

Episode 138 – Can Money Actually Buy You More Time?

Episode 137 - Saving for Retirement Is Only Half the Problem

Episode 136 – The Financial Checklist You’ve Been Putting Off

Episode 134 – Should You Buy a Business or Start Your Own?

Episode 133 - Is Being Debt-Free Always the Right Goal for Business Owners?

Episode 132 - Inflation & Interest Rates: What Do They Mean for Your Financial Plan?

Episode 131 – You Received an Inheritance. What Should You Do Next?

Ratings & Reviews

About

Information