Balance Your Wealth

Balance Wealth

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Investing
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Balance Your Wealth brings the entire Balance Wealth team together for lively, unfiltered conversations about life, money, and everything in between. Each episode blends practical financial insights with real-world stories, fresh perspectives, and a few laughs along the way. It’s where candid discussions meet expert advice; helping you find balance in your wealth and your world.

1d ago

2026 Retirement Rules: 401(k)s, Gold, Social Security & 529 Plans

Are your 401(k) catch-up contributions required to go into a Roth account in 2026? How are Social Security benefits taxed, and how can you optimize your retirement income? What is the role of gold, alternative investments, and private equity in a diversified portfolio? And how can 529 education savings plans be rolled over into a Roth IRA tax-free? In this episode of Balance Your Wealth, Ryan Mannen, Bob Gavlak, Nora Lamendola, Nic Gookin, and Adam Fitch break down critical 2026 retirement rule updates, tax strategies, and investment options to help you navigate your financial future. Key Topics Covered in This Episode: • 2026 401(k) Catch-Up Rules: SECURE 2.0 requirements for high earners, Roth vs. pre-tax catch-up contributions, and tax planning strategies. • Gold & Alternative Investments: Position sizing, portfolio rebalancing, inflation hedging, and private equity options in 401(k) plans. • Social Security Taxation: How Social Security benefits are taxed, provisional income thresholds, and senior tax deduction strategies. • 529 Plan Rollovers to Roth IRA: Using 529 plans for eligible K-12 and college expenses, SECURE 2.0 529-to-Roth IRA rollover rules, limits, and state tax deductions. Financial decisions often involve more than one tax rule or investment option. Understanding the details and how they fit your broader financial picture can help you make more informed decisions about retirement savings, taxes, and education funding. Which 2026 financial topic impacts your retirement plan the most: Roth 401(k) catch-ups, alternative investments, Social Security taxes, or 529 plan rollovers? Share your thoughts in the comments below! #RetirementPlanning #401k #RothIRA #SocialSecurity #529Plan #FinancialPlanning #TaxPlanning #AlternativeInvestments #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals! --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.
Oct 14

Retiring on Someone Else’s Schedule

What happens when your retirement timeline is shaped by someone else’s expectations? Whether it is pressure from family, friends, coworkers, or society, retirement does not have to follow a predetermined schedule. In this Balance Your Wealth episode, the team discuss how to think about retirement on your own terms, including the financial and personal factors that should influence when you stop working. In this episode, you’ll hear discussions on: • Why retirement does not have to happen at a specific age • How financial readiness can influence your retirement timeline • The difference between being financially able to retire and being ready to retire • How family, friends, and social expectations can influence retirement decisions • Why comparing your retirement timeline to someone else’s can lead to poor decisions • How your goals, lifestyle, and priorities should factor into retirement planning • Why there is no universal definition of the “right” time to retire • How to create a retirement plan around your own financial picture and goals The team also discusses why retirement is about more than reaching a certain age or savings balance. A successful retirement plan should consider your income needs, spending, health, lifestyle, family circumstances, and what you actually want your next chapter to look like. Are you retiring on your own schedule, or someone else’s? #RetirementPlanning #Retirement #FinancialPlanning #RetirementGoals #WealthManagement #FinancialFreedom #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.
Sep 30

Special Episode | Are Bonds Still Safe

Are bonds still safe? What happens when the part of your portfolio designed to provide stability starts going down? And if bonds can lose value, should you consider CDs, Treasury bills, or other fixed income options instead? In this Balance Your Wealth special episode, Ryan is joined by Bob, Tyler, Nic, and Adam to break down what is happening in the bond market and why bond prices can fall when interest rates rise. The team also discusses bond ladders, bond funds, retirement portfolios, and how investors can think about fixed income based on their goals and financial situation. In this episode, you’ll hear discussions on: • Why bond prices generally fall when interest rates rise • Why a declining bond price does not necessarily mean a loss of expected income • How today's bond market compares with the challenges investors faced in 2022 • How CDs and Treasury bills compare with bond portfolios • Why CDs can appear more stable because they are not priced like marketable securities • How bond ladders work and when they may make sense • The differences between individual bonds, bond funds, and professional bond management • How tax-loss harvesting can create planning opportunities in a declining bond market • Why bonds can play an important role in reducing portfolio risk during retirement • How a bucket strategy may help separate near-term retirement spending from longer-term investments • Why today's higher interest rates create a different opportunity set for fixed income investors The team also explains why there is no single answer to whether bonds are "safe." The role of fixed income depends on what an investor needs from the portfolio, including income, stability, liquidity, time horizon, and overall retirement goals. How are you managing fixed income and bonds in your retirement plan? Share your thoughts or questions in the comments below! #BondMarket #FixedIncome #RetirementPlanning #BondInvesting #TreasuryBills #FinancialPlanning #InterestRates #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.
Sep 23

Overrated or Underrated: Money, Convenience & Modern Life

When it comes to money and modern life, what is actually worth your hard-earned dollars? Is spending extra to save time a smart trade-off? Are credit card rewards really worth chasing? And are some of the traditional financial rules and conveniences we rely on more overrated than we think? In this episode of Balance Your Wealth, our team debates what is overrated versus underrated when managing money, convenience, and everyday lifestyle decisions. In this episode, topics discussed include: • Whether spending more money to save time may be worth the trade-off • The value of credit card rewards and cash back • Whether the 4% retirement withdrawal rule is overrated • The pros and cons of meal delivery services • Whether air fryers are actually worth the hype • How to think about maxing out your 401(k) • How convenience can sometimes come at a financial cost • How to balance saving money with enjoying your time and life We also explore why financial decisions aren't always about finding the absolute cheapest option. Sometimes paying for convenience makes complete sense, while other times it quietly becomes an unnecessary drain on your budget. The key is understanding where your money is going and making conscious choices that align with your personal priorities. What do you think is the most overrated or underrated part of modern financial life? Drop your thoughts in the comments below! #PersonalFinance #FinancialPlanning #RetirementPlanning #401k #CreditCardRewards #MoneyTips #WealthManagement #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.
Sep 9

Is College Still Worth It? The $250K Degree Debate

Is a college degree still the best investment for your future, or has the rising cost of tuition changed the math? In this episode of Balance Your Wealth, we dive deep into the college worth debate. We compare the traditional $250,000 degree against alternatives like entrepreneurship and college vs trade school to help you master your financial planning. In this episode of Balance Your Wealth, the team explores both sides of the debate, discussing the financial return on investment, career opportunities, networking benefits, entrepreneurship, skilled trades, and how parents can help students make informed decisions about their future. In this episode: • Analyzing the ROI of a $250K degree in today’s economy • The true impact of student debt on long-term wealth building • College vs Trade School: Which path offers faster financial independence? • How AI and career shifts are redefining "marketable" skills • Proactive financial planning tips for parents and students There is no single "right" answer… Each decision depends on individual goals, financial circumstances, and career aspirations. We discuss how to weigh these variables to make informed, long-term decisions. Taking time to evaluate all available options can help families make a more informed choice for the future. If you're navigating college planning or other major financial decisions, our team is here to help you build a strategy that aligns with your long-term goals. To learn more or schedule a conversation with the Balance Wealth team, visit: https://balancewealth.com/contact/ #CollegeWorth #StudentDebt #CollegeVsTradeSchool #FinancialPlanning #WealthBuilding #HigherEducation #CareerAdvice #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.
Aug 26

The Money Fights Every Couple Has But No One Talks About

Money fights in relationships are rarely just about the bank account. In this episode of Balance Your Wealth, Ryan Mannen is joined by Bob Gavlak, Nora Lamendola, Adam Fitch, and Nic Gookin to talk about the financial disagreements many couples face but often avoid discussing. From hidden spending and Amazon boxes piling up, to supporting adult children, budgeting as a couple, and making sure your spouse knows where important financial information lives, this conversation is all about creating better communication around money. The team shares practical ways couples can consider to help reduce financial stress, including budgeting together, setting "fun money" boundaries, using account aggregation tools, scheduling money check-ins, and organizing key financial documents before they are ever needed. In this episode: • Why money fights are often about communication, not just the bank account • How hidden spending and “money leaks” can create tension in relationships • Why Amazon purchases can make budgeting more complicated than couples realize • Different ways couples can manage spending, including separate fun money accounts • How to talk about supporting adult children without hurting your own retirement plan • Why saving early for college, weddings, or future family expenses can create more flexibility • Simple tools couples can use to organize accounts, track spending, and see the full financial picture • The importance of scheduling regular money conversations before small issues become big fights • Why every household should have a financial folder with key accounts, policies, and contacts • How dividing financial responsibilities can help couples stay organized and on the same page Whether you and your spouse handle money the same way or see things completely differently, this episode will help you start healthier conversations around your financial life. To learn more or schedule a conversation with the Balance Wealth team, visit: https://balancewealth.com/contact/ #CouplesAndMoney #FinancialPlanning #MarriageAndMoney #Budgeting #BalanceYourWealth #RetirementPlanning #PersonalFinance — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.
Aug 11

Financial FAQs: Retirement, Debt, Roth vs. Traditional & Market Dips Pt. 2

When should you start taking Social Security? Do you really need a financial advisor? How should you invest your 401(k)? And what should you do if you receive an inheritance or financial windfall? In part two of this Balance Your Wealth FAQ episode, Ryan is joined by Shaun, Bob, Tyler, Nic, and Adam to answer more of the financial planning questions they hear most often. The team discusses why Social Security should not be viewed in isolation, how to think about the value of financial advice, common 401(k) investing mistakes, what to consider after receiving an inheritance, and how to know whether you are saving enough for your goals. In this episode, you’ll hear discussions on: • When it may make sense to take or delay Social Security• Why Social Security decisions should be part of a bigger plan• Whether you need a financial advisor or can manage things yourself• How an advisor can help with planning, behavior, tax strategy, and decision-making• Common 401(k) investing mistakes to avoid• What to do after receiving an inheritance or windfall• How to know if you are saving enough• Why comparison can create poor financial decisions• How to balance saving for the future with enjoying life today They also explain why personal finance decisions are rarely one-size-fits-all. The right answer often depends on your age, income, tax situation, family needs, risk tolerance, retirement goals, and overall financial plan. Which question do you think is the hardest to answer? (1) When should I take Social Security? (2) Do I need a financial advisor? (3) How should I invest my 401(k)? (4) What should I do with an inheritance? (5) Am I saving enough? Drop your answer below. #FinancialPlanning #RetirementPlanning #SocialSecurity #401k #WealthManagement #InheritancePlanning #SavingMoney #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! Also, don't forget to leave a comment with your mid-year financial goals --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.
Jul 22

Financial FAQs: Retirement, Debt, Roth vs. Traditional & Market Dips Pt. 1

How much money do you really need to retire? Should you pay off debt before investing? What is the difference between a Roth and traditional retirement account? And what should you do when the market is down? In this episode of Balance Your Wealth, Ryan is joined by Shaun, Bob, Tyler, Adam, and Nic for part one of a two-part conversation answering some of the most common financial planning questions they hear from clients. In this episode, you’ll hear discussions on: How to think about your retirement numberWhen it may make sense to pay down debt versus investThe difference between Roth and traditional retirement accountsWhy staying invested during market downturns can matterPlanning opportunities during market volatilityHow much to keep in an emergency fundWhy financial planning should be based on your specific situation The team breaks down why so many financial decisions depend on your income, expenses, goals, risk tolerance, tax situation, and stage of life. They also discuss the behavioral side of money, including how debt feels, why market downturns can create emotional pressure, and why having an emergency fund is one of the most important foundations of a financial plan. Which financial planning question do you think people struggle with the most? #FinancialPlanning #RetirementPlanning #RothIRA #Investing #EmergencyFund #DebtPayoff #WealthManagement #BalanceYourWealth — 📺 Watch now and take control of your financial future: Subscribe for more balanced conversations around wealth and life. We drop new episodes the 2nd and 4th Wednesday every month, so make sure to tune in! --- This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.

Balance Your Wealth brings the entire Balance Wealth team together for lively, unfiltered conversations about life, money, and everything in between. Each episode blends practical financial insights with real-world stories, fresh perspectives, and a few laughs along the way. It’s where candid discussions meet expert advice; helping you find balance in your wealth and your world.

Creator

Balance Wealth
Years Active

2025 - 2026
Episodes

33
Rating

Explicit
Copyright

© Balance Wealth
Show Website

Balance Your Wealth