America's Wealth Management Show

America's Wealth Management Show
  • 4.3 (34)
  • Investing
  • Updated Weekly

Modern Wealth Management presents America's Wealth Management Show with Dean Barber. Dean and his guests, America's leaders in the financial industry, have made it their missions to show everyone how to grow, keep, and leave their money. Since 2003, America's Wealth Management Show has informed and educated retirees and those nearing retirement on what life is like after your working career ends. Investment advisory services offered through Modern Wealth Management, LLC, an SEC Registered Investment Adviser.

  1. 20h ago

    5 Signs You're Saving Too Much for Retirement

    According to Empower, the average 65-74 year old on their dashboard has $1.14M saved, yet fear paralyzes many from enjoying it. Learn the 5 signs you are over-saving at the expense of your life. Meet with us: https://bit.ly/4y76QrV Education center: https://bit.ly/4p74wgs Modern confidence score: https://bit.ly/4vaklEt  Video Chapters  0:47 - The five signs of retirement over-saving 4:34 - Sign 1: Am I just maxing out my 401(k) because I don't know what else to do? 9:59 - Sign 2: Fear of Inflation 18:46 - Sign 3: Greed 27:15 - Sign 4: Did I put too much money inside my traditional pre-tax 401(k) bucket? 30:07 - Sign 5: Am I trading my healthy "go-go" years away for a tiny portfolio return? Shifting from account numbers to physical health currency .   31:48 - Bonus Sign: Am I setting up my family for an expensive, unplanned conflict?  33:03 - Reacting to  @MoneyGuyShow   Sources:  @MoneyGuyShow  - How Much Should I Save To Retire Early?   https://youtube.com/shorts/8StrdP0-dVU?si=zr_WCl3VWpkgWR86  Insights provided by Chris Rett, CFP®, AIF® and Hayden Pudenz of Modern Wealth Management Empower Estimates: Are You Ready for Retirement? (2026 Average Retirement Savings Data) https://www.empower.com/the-currency/money/average-retirement-savings-by-age    https://www.federalreserve.gov/econres/scf/dataviz/scf/table/#series:Retirement_Accounts;demographic:agecl;population:all;units:median;range:1989,2022   https://www.allianzlife.com/about/newsroom/2026-Press-Releases/Fear-Of-Running-Out-of-Money-Over-Death-At-Record-High   https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds   https://bradfordtaxinstitute.com/Endnotes/IRC_Section_401a9.pdf   https://www.law.cornell.edu/uscode/text/26/401   https://www.philanthropyroundtable.org/hall-of-fame/andrew-carnegie/  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    39 min

  2. Jun 25

    How Often Should You Rebalance Your Portfolio?

    Learn about navigating risk during a volatile market by rebalancing your portfolio. Get your Modern Confidence Score: https://www.modwm.com/modern-confidence-score/?utm_source=audio&utm_medium=modern_confidence_score&utm_campaign=awms_podcast_audio_how_often_should_you_rebalance_your_portfolio%3F&utm_content=06_24_2026  Meet with us: https://bit.ly/3SZa7Js Education center: https://bit.ly/4ajDD2E Video Chapters  0:28 - How did the 2025 tariff shock and 2026 market affect portfolios? 1:07 - What is portfolio rebalancing? 2:06 - What is the difference between timing the market and time in the market? 8:06 - What are Warren Buffett's two primary rules of investing?  9:38 - What is a drift parameter? 14:51 - What is Tax Loss Harvesting? 16:28 - What is the IRS Wash Sale Rule? 31:00 - Why can holding a single corporate stock option cause problems in retirement? Sources: Wells Fargo Investment Institute: Perils of Timing Volatile Markets https://www.wellsfargoadvisors.com/research-analysis/reports/policy/volatile-markets.htm   Hartford Funds: Timing the Market Is Impossible https://www.hartfordfunds.com/practice-management/client-conversations/managing-volatility/timing-the-market-is-impossible.html   MDPI / Oxford Academic: https://www.mdpi.com/1911-8074/17/12/533   https://academic.oup.com/raps   Vanguard: Assessing the Value of Tax-Loss Harvesting https://corporate.vanguard.com/content/dam/corp/research/pdf/tax_loss_harvesting_why_a_personalized_approach_is_important.pdf   Capital Loss Limitations https://www.irs.gov/taxtopics/tc409   BlackRock: 2025 Tax-Loss Harvesting Data • https://www.blackrock.com/us/financial-professionals/insights/loss-harvesting-year-round   • ICFS / Invesco: Diversification Risk and Missing Best Days  • https://www.invesco.com/us-rest/contentdetail?contentId=a9b2a3dd-29a7-4302-ab86-814c4886a73c   • https://icfs.com/specialists-desk/portfolio-diversification-risk-reduction   • https://www.theguardian.com/business/2025/dec/31/wall-street-stock-markets   • https://www.blackrock.com/us/financial-professionals/insights/loss-harvesting-year-round   • https://www.reuters.com/business/us-tech-stocks-market-dominance-reaches-new-heights-presents-new-risks-2026-06-03/  ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    41 min

  3. Jun 18

    Mega Backdoor Roth Strategy for Retirement

    Phased out of Roth IRA contributions in 2026? Learn how the Backdoor and Mega Backdoor Roth rules can open up to $72,000 in potential tax savings this year. Get your Modern Confidence Score here: yourconfidencescore.com  Meet with us: https://bit.ly/4vaWAge Education center: https://bit.ly/4oAbsSY Retirement Plan Checklist: Retirement Checklist Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC Sources: 2026 401(k) and IRA Contribution Limits https://www.modwm.com/2026-401k-and-ira-contribution-limits/   401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500 https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500   https://youtube.com/shorts/S6j73TdwHMo?si=GC8PVn76y2grlock   https://www.youtube.com/shorts/S6j73TdwHMo   IRS Newsroom: 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500: [https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500  https://investor.vanguard.com/investor-resources-education/iras/roth-ira-income-limits   https://www.tiaa.org/public/retire/financial-products/iras/ira-contributions-tax-benefits/income-and-deduction-limits  TIAA Wealth Management: 2026 catch-up contribution limits: [https://www.tiaa.org/public/invest/services/wealth-management/perspectives/catch-up-contributions-2026  MissionSquare: 2026 Retirement Plan Contribution Limits (401k, 457(b) & More): [https://www.missionsq.org/plan-sponsors/plan-rules/contribution-limits  _____ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser.  The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    37 min

  4. Jun 11

    How Long Will My Retirement Money Last?

    Get your Modern Confidence Score here: yourconfidencescore.com Meet with us: https://bit.ly/4vG69U7 Education center: https://bit.ly/4ewgoEV Sources: Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC. • https://www.investmentnews.com/retirement-planning/vanguard-fidelity-data-show-new-record-highs-in-401k-savings/265542   • https://www.ebri.org/content/2026-retirement-confidence-survey-finds-americans-less-confident-about-retirement-as-worries-grow-over-social-security--medicare-and-rising-costs   • https://youtube.com/shorts/K45hy_Tq7Uw?si=JGBrroGZNIHMNKN4  • https://finance.yahoo.com/news/retirement-outlook-gen-z-wants-170327130.html? guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAALyeLSPtCYrrhFL8PnBk-bi9NMGvubqp9NluFgfL0liOr2JqcuS2FHLne8NJCHiPpFoLS_GEKaYeRfzKpBkdJ1064Qk2G8EKSaIBUvQV9-hZTv4QAsZoIA7ZPYOP1K8W7VL0r4bWrk2bB8riAapW2WhMeKZYEsPJ2Gw9jhSzQLg7&guccounter=2  • https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings   • https://theconversation.com/why-is-climbing-mount-everest-so-dangerous-206099   • https://www.ebri.org/docs/default-source/rcs/2026-rcs/2026-rcs-release-report.pdf? sfvrsn=1229022f_1    • https://workplace.vanguard.com/insights-and-research/report/previewing-how-america-saves-2026.html  • https://www.modwm.com/2026-401k-and-ira-contribution-limits/    _____  Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    30 min

  5. Jun 4

    Safe Withdrawal Rates for Retirement in 2026

    Morningstar lowered the safe withdrawal rate to 3.9%. Learn how the utilization of a static rate may not actually be optimal. Get your Modern Confidence Score here: yourconfidencescore.com Meet with us: https://bit.ly/4o42NHY Education center: https://bit.ly/4uy9KmB Retirement Plan Checklist: Retirement Checklist What is a safe withdrawal rate for my retirement portfolio? You should move past static retirement metrics. While Morningstar's updated research establishes a conservative, baseline safe withdrawal rate of 3.9% to counter 2026 market realities, executing a single flat percentage over a multi-decade timeline is inefficient. Video Chapters: 0:00 - Is the traditional 4% retirement withdrawal rule dead? 1:04 - Can I safely take out 5.7% of my retirement? 3:46 - Why is spending money in retirement so difficult? 07:49 - What is financial planning "Gamma"? 12:14 - Will selling my vacation home change my retirement timeline? 15:42 - Should I take my annual retirement distribution all at once in January? 17:03 - How do I use a dynamic withdrawal strategy to survive a market crash? 21:52 - Does a commission-free annuity make sense for retirement? 25:16 - Can I use a temporary annuity to bridge the gap until my age 70 Social Security maxes out? 27:02 - Which account should I pull from first to lower my taxes? 28:54 - Am I accidentally paying ordinary income tax rates on my bonds and CDs? 29:51 - How do I qualify for a 0% tax rate on my stock dividends? 31:14 - Will the Net Investment Income Tax (NIIT) trigger a stealth tax on my brokerage wins? 35:05 – By how much should I reduce spending if the stock market drops? Sources: Insights provided by Chris Rett, CFP®, AIF® and Dean Barber Managing Director of Modern Wealth Management, LLC. Morningstar: Estimate How Much You Can Spend in Retirement (2026 Safe Withdrawal Rates): https://www.morningstar.com/retirement/estimate-how-much-you-can-spend-retirement  Morningstar Investment Management: "Alpha, Beta, and Now... Gamma" (David Blanchett & Paul Kaplan): https://www.morningstar.com/content/dam/marketing/shared/research/foundational/677796 -AlphaBetaGamma.pdf https://www.macrotrends.net/2016/10-year-treasury-bond-rate-yield- chart  https://www.bankrate.com/banking/cds/historical-cd-interest-rates/  https://www.investopedia.com/terms/f/four-percent-rule.asp  https://news.northwesternmutual.com/2026-04-01-Americans-Believe-They-Will-Need-1-46-Million-to-Retire-Comfortably,-Up-More-Than-15-Since-Last-Year,-According-to-Northwestern-Mutual-2026-Planning-Progress-Study  https://fred.stlouisfed.org/series/FEDFUNDS  _____ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    36 min

  6. May 28

    How Much Do I Need to Retire?

    Recent data from Northwestern Mutual indicates that many Americans believe they need $1.46M to retire comfortably, but actual savings vary widely based on individual circumstances. Get your Modern Confidence Score here: yourconfidencescore.com Meet with us: https://bit.ly/4nWxgYC Education center: https://bit.ly/4wPTvnb Retirement Plan Checklist: Retirement Checklist Video Chapters The Baseline Metrics 00:00 – Cold Open 01:07 – How much do I need to retire comfortably? 03:47 - Will I pay more taxes if my money is sitting in a Traditional 401(k) instead of a Roth? The Savings Gap & Psychology 04:53 - How much has the average boomer saved for retirement? 10:48 - Why do I feel like I'm going to run out of money even though I've saved for retirement? The Customization Layer 18:45 - Is a generic target date fund in my 401(K) bad? 21:16 – What is a "brokerage link" to open better investment options? 24:05 - Is taking an outstanding loan against my retirement bad? The Cost of Living & Gifting 26:30 - How much money will I spend on traveling in retirement? 30:25 - Why are only 12% of Baby Boomers using a Roth 401(k)? Sources: Here's What Americans Think They'll Need for Retirement https://www.northwesternmutual.com/life-and-money/what-do-americans-think-theyll-need-for-retirement/ How do your retirement savings stack up? https://www.fidelity.com/learning-center/personal-finance/average-retirement-savings Retirement Income Strategy: How Much Do You Need? https://www.youtube.com/watch?v=tLtUEGkBdBQ  ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser.  Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    34 min

  7. May 21

    What Should I Invest My Money In?

    Get your Modern Confidence Score: https://www.modwm.com/modern-confidence-score/  Visit the Modern Wealth Management Education Center for more informative retirement content. https://bit.ly/4tugotf   To explore our financial services, schedule a meeting with the Modern Wealth Management Team:  https://bit.ly/4dkxOE9  Where should I invest my cash to beat inflation? You should completely stop asking where to invest your capital as an isolated step. Instead, the foundational question you must answer is what your money needs to do dynamically to accomplish your lifetime lifestyle goals with the least amount of risk possible. Attempting to buy individual investment vehicles before undergoing an analysis of your net spending needs and multi-generational goals can be short-sighted. Key Learning Outcomes • Investment Malpractice: Why receiving an asset recommendation before an intensive personal financial analysis fails fiduciary standards.  • The CAPE Ratio Reality: Understanding what a 37 valuation reading means for your long-term return expectations.  • The Cash Drag Trap: Why safety instruments like money markets expose your retirement to devastating inflation and interest rate risk.  • The Delayed Claim Win: How deferring Social Security to age 70 protects your household against outliving your capital.  Chapters: 0:00 - Where should I invest my money right now? 2:17 - What is the right question to ask my financial advisor? 6:43 - How do I stop fear and greed from ruining my portfolio? 9:58 - How did the 2025 tariff shock and 2026 Iran conflict affect the market?  11:43 - Will my retirement survive a prolonged war or correction? 13:03 - Can I swap my current investment model to protect against downside risk?  14:00 - Is keeping all my cash in a savings account the safe? 15:27 - What is a "bull market"? 19:13 - Is a 60/40 allocation across all my accounts a mistake? 20:35 - Will Social Security actually be around by the time I retire? 24:53 - When should I start claiming my Social Security benefits? 26:12 - How do I maximize my Social Security to protect my surviving spouse? 27:30 - What is the actual break-even age for delaying my benefits? 31:52 - Am I hoarding too much cash right now? Sources: Insights provided by Dean Barber and Chris Rett, CFP®, AIF® of Modern Wealth Management. - Investment Directions: 2026 outlook https://www.ishares.com/us/insights/inside-the-market/2026-market-outlook-investment-directions  - BlackRock: Investment Directions (2026 Asset Allocation Trends): https://www.blackrock.com/us/financial-professionals/insights/inside-the-market/investment-directions  - ETF Database / AAII Sentiment Survey: What Could Move Stocks in 2026: https://etfdb.com/etf-strategist-channel/move-stocks-2026/  - AAII Sentiment Survey: Pessimism Pulls Back  https://www.aaii.com/latest/article/455181-aaii-sentiment-survey-pessimism-pulls-back  - US - S&P 500 Cyclically Adjusted PE Ratio https://en.macromicro.me/collections/34/us-stock-relative/410/us-sp500-cyclically-adjusted-price-earnings-ratio  - Only when the tide goes out do you discover who's been swimming naked. https://www.brainyquote.com/quotes/warren_buffett_383933  Personal Finance - Social Security claims at 62 get social media buzz — experts say proceed with caution https://www.cnbc.com/2026/05/11/social-security-break-even-analysis.html  ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    36 min

  8. May 14

    5 Retirement Plan Checklist Items

    The Retirement Plan Checklist can be found here: https://bit.ly/49zBeQR  Get your Modern Confidence Score: https://www.modwm.com/modern-confidence-score/  Visit the Modern Wealth Management Education Center for more informative retirement content. https://bit.ly/4tF6ftU  To explore our financial services, schedule a meeting with the Modern Wealth Management Team: https://bit.ly/49MkK80  How much money do I need to retire comfortably? You should stop focusing on "80% replacement" rules of thumb and instead identify the specific net spendable income that needs to be deposited into your bank account month after month . In the 2026 landscape, a successful plan must account for taxes on IRA distributions, the $24,500 401(k) contribution limit, and the rising cost of health care, which can squeeze your travel and legacy budget 10 to 15 years into retirement. Chapters: 0:00 - How much net income do I actually need to retire? 3:17 - Will I have enough money to retire comfortably in 2026? 4:46 - Why is my health care costing more than I planned?  6:14 - Should I use the NUA rule for my company stock? 11:13 - How do I plan my budget using a "net number" basis? 14:24 - How will my retirement plan survive a catastrophe? 16:07 - How can I pay for long-term care using life insurance?  21:52 - Can the insurance company raise my premiums later? 30:07 - Will my portfolio survive a market drop early in retirement? 34:17 - When is the right time for me to stop working? 35:56 - How do I use the "Super Catch-Up" to save more at age 60?  36:16 - Why is my Medicare so expensive two years after I retired? Sources: Insights provided by Dean Barber and Chris Rett, CFP®, AIF® of Modern Wealth Management. • Plootus Research: Retirement Statistics 2026: 60+ Key Data Points: https://www.plootus.com/retirement-statistics-2026  • 2025 Retirement Survey: 58% of Seniors Fear Running Out of Money SafeMoney.com: Average Retirement Age in the US (EBRI and Gallup Data): https://www.retirementliving.com/state-of-retirement   • Jenner & Block: 2026 Retirement Plan Amendment Deadline: https://www.jenner.com/en/news-insights/client-alerts/2026-retirement-plan-amendment-deadline-what-plan-sponsors-need-to-know  • Fidelity Investments: Secure Act 2.0 Changes: https://www.fidelity.com/learning-center/personal-finance/secure-act-2 • IRS 2026 Publication 1099 Instructions: https://www.irs.gov/pub/irs-prior/p1099--2026.pdf  ___________ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

    38 min
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About

Modern Wealth Management presents America's Wealth Management Show with Dean Barber. Dean and his guests, America's leaders in the financial industry, have made it their missions to show everyone how to grow, keep, and leave their money. Since 2003, America's Wealth Management Show has informed and educated retirees and those nearing retirement on what life is like after your working career ends. Investment advisory services offered through Modern Wealth Management, LLC, an SEC Registered Investment Adviser.

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