America's Wealth Management Show

America's Wealth Management Show
  • 4.4 (33)
  • Investing
  • 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. 4h ago

    Retiring At 55: What You Need to Plan For

    Retiring at 55 means funding 10 more years of lifestyle expenses and ACA healthcare premiums. Learn about sequence-of-returns risk and inflation. Retirement Checklist: https://bit.ly/4zy6OcW  Get your Modern Confidence Score: https://bit.ly/4yXd8JT  Meet with us: https://bit.ly/4kslOnO Education center: https://bit.ly/4izpOjH Chapters: 0:00 - Sequence of Returns: Why an average 4% return can still deplete your portfolio 1:45 - The reality of retiring at 55: Funding 10 more years of lifestyle expenses 3:42 - Why you cannot improvise or "wing it" when retiring a decade early 6:11 - The Go-Go Years: Why you will spend more money in early retirement 10:07 - Case Study: How sequence-of-returns risk creates a $70,000 difference in ending balances 13:48 - Trivia: Age 55 401(k) access, 59½ penalty rules, and age 70 Social Security 18:10 - How to qualify for ACA healthcare subsidies and save $20,000 a year 23:41 - The Rule of 55: Accessing your 401(k) early without a 10% penalty 27:08 - Why tax diversification matters more than investment returns in early retirement 28:35 - How do early retirement and zero-income years affect my Social Security check? Send us a questions to be featured on the show at: Questions@modwm.com  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m  https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG  https://youtu.be/0aTNMm24d3g  https://youtu.be/AnHLRhM2xw8  https://youtu.be/A0qJfqNXG7k  #retirement #earlyretirement #retirementplanning  Sources: • https://www.modwm.com/retirement-plan-checklist/   • https://www.modwm.com/retirement-plan-checklist/   • https://www.bls.gov/cex/   https://simplicityoid.com/sequence-of-returns-risk/  • https://www.ssa.gov/benefits/retirement/planner/agereduction.html   • https://www.dol.gov/general/topic/health-plans/cobra   • https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill   • https://www.ssa.gov/benefits/retirement/planner/agereduction.html   • https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500   • https://www.cms.gov/newsroom/fact-sheets/plan-year-2026-marketplace-plans-prices-fact-sheet   • https://www.irs.gov/taxtopics/tc558   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, insurance, 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.

  2. 2d ago

    Should You Do Roth Conversions Pre-Medicare?

    Retiring before 65? Learn how Roth conversions unlock up to $20,000 in ACA health insurance subsidies and avoid costly Medicare IRMAA cliffs. Retirement Checklist: https://bit.ly/4yJ60R1  Get your Modern Confidence Score: https://bit.ly/3Uivh6E  Meet with us: https://bit.ly/3Un31j1 Education center: https://bit.ly/4zU30Co Chapters: 0:27 - Pre-Medicare Gap Years: Why healthcare is the #1 reason people delay retirement to 65 1:58 - What do Roth conversions have to do with pre-Medicare healthcare costs? 3:44 - The $86,660 Subsidy Cliff: How 400% of the Federal Poverty Line impacts joint filers 4:22 - How can I spend $10,000/month and still qualify for maximum healthcare subsidies? 6:04 - The ROI of Roth: Spending $10,000 on conversion taxes to save $20,000 on health premiums 07:50 - What are Medicare Part B premiums and how does the IRMAA 2-year lookback work? 8:12 - The IRMAA Cliffs: Why $1 over $218k or $274k spikes Medicare premiums to $300–$450/mo 08:55 - How combining Roth distributions and Social Security can create a $0 tax bill Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: youtube.com/@MeetModernWealth  Check out our other videos:    • Are You Ready to Live to 95? How the MIT A...      • Social Security Income Strategy 2026 with ...      • Taxes on Retirement Income: What Taxes Wil...      • How Much Should I Have Saved for Retiremen...      • What to Do After a Spouse Dies: How Does i...   Sources available on request. 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, insurance, 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.

  3. Oct 29

    Should You Do Roth Conversions in Your 50s?

    Roth conversions look completely different in your 50s, 60s, and 70s. Learn how to supercharge conversions, protect ACA subsidies, and defuse RMD tax bombs. Retirement Checklist: https://bit.ly/4yJ60R1  Get your Modern Confidence Score: https://bit.ly/3Uivh6E  Meet with us: https://bit.ly/3Un31j1 Education center: https://bit.ly/4zU30Co Chapters: 0:00 - Why does my Roth conversion strategy look completely different by decade? 3:54 - How does $10,000 in outside cash unlock $41,666 in Roth assets at 24%? 7:53 - How do the two 5-year rules apply to 401(k)s and Roth IRAs? 10:40 - Fact or Fiction: Dec 28 conversions, 10% penalties, and RMD restrictions Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m  https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG  https://youtu.be/0aTNMm24d3g  https://youtu.be/AnHLRhM2xw8  https://youtu.be/A0qJfqNXG7k  Sources available on request. 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, insurance, 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.

  4. Oct 22

    The Hidden Tax Trap of Inheriting a Non-Spousal IRA After SECURE 2.0

    Deferring an inherited $1M IRA can push your tax rate from 23% to 37%. Learn the rules to avoid IRS penalties under the 10-year rule. Retirement Checklist: https://bit.ly/4sctP23  Get your Modern Confidence Score: https://bit.ly/4dDsH1u  Meet with us: https://bit.ly/4ztxACH Education center:   https://bit.ly/4evqJ3r Chapters: 01:06 - The Non-Spouse Inherited IRA Tax Trap: Why a $1M gift creates a tax liability 6:21 - The Death of the Stretch IRA: How the SECURE Act eliminated lifetime distributions 8:11 - The Trust Tax Trap: Why naming a trust triggers a 37% tax rate at just $16,000 9:45 - The Required Beginning Date (RBD) Rule: April 1st after age 73 14:38 - How to talk to aging parents about their traditional IRA tax liability 24:02 - 3 Strategies for beneficiaries inheriting an IRA 32:16 - Why any estate plan or trust drafted before 2020 should be updated immediately Send us a questions to be featured on the show at: Questions@modwm.com  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m  https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG  https://youtu.be/0aTNMm24d3g  https://youtu.be/AnHLRhM2xw8  https://youtu.be/A0qJfqNXG7k  Sources available on request. 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, insurance, 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.

  5. Oct 15

    Will Social Security Be There When I'm Eligible for It?

    Social Security's trust fund faces depletion by Q4 2032, triggering a potential 22% haircut. Discover how to stress-test your benefit and avoid panic filing. Retirement Checklist: https://bit.ly/3VLNcTw  Get your Modern Confidence Score: https://bit.ly/4dxY3Xo  Meet with us: https://bit.ly/4yN0Ynx Education center: https://bit.ly/4e4L1Re Chapters: 1:18 - Is Social Security actually going away or is it fear-mongering? 2:21 - How does the 12.4% pay-as-you-go payroll tax work? 3:30 - What is the $184,500 wage cap and why is Congress debating it? 6:51 - Why am I being taxed on my Social Security benefits? 8:41 - What happens if Congress does nothing? The 22% benefit haircut 12:30 - Should I claim Social Security at 62 to get my money before it runs out? 16:40 - Myth 1: Is Social Security going completely bankrupt? 17:52 - Myth 2: Did Congress raid and steal the Social Security trust fund? 19:15 - Myth 3: If I am under 40, will Social Security be completely gone? 20:56 - Myth 4: Does filing early protect me from future benefit cuts? Send us a questions to be featured on the show at: Questions@modwm.com  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m  https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG  https://youtu.be/0aTNMm24d3g  https://youtu.be/AnHLRhM2xw8  https://youtu.be/A0qJfqNXG7k   Sources available on request. 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, insurance, 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.

  6. Oct 8

    Longevity Risk in Retirement: Could I Outlive My Savings?

    Discover the 10 stress tests and 3-bucket strategy that could potentially help prevent you from outliving your savings? Retirement Checklist:  https://bit.ly/3UdQwX2  Get your Modern Confidence Score: https://bit.ly/4AVnCeL  Meet with us: https://bit.ly/4s12Bvm Education center:  https://bit.ly/4jKQXCw Chapters: 0:00 - When are you going to die? The number one risk in retirement. 1:40 - What is longevity risk and why does it amplify all other retirement risks? 4:02 - What are the 10 core areas you must stress-test in your financial plan? 11:38 - What is sequence-of-returns risk and why does withdrawal timing matter? Send us a questions to be featured on the show at: Questions@modwm.com  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m  https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG  https://youtu.be/0aTNMm24d3g  https://youtu.be/AnHLRhM2xw8   https://youtu.be/A0qJfqNXG7k  Sources available on request. 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, insurance, 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.

  7. Oct 1

    Taxes on Retirement Income: What Taxes Will I Pay in Retirement?

    Uncle Sam is your silent partner in retirement. Learn 5 tax strategies, and other helpful information regarding retirement taxes. Retirement Checklist: Retirement Plan Checklist: https://bit.ly/3TcNXnS  Get your Modern Confidence Score:  https://bit.ly/4dhfdIF  Meet with us:  https://bit.ly/4hAIYFz Education center:  https://bit.ly/3W1U52Y Chapters: 0:00 - Cold Open: How $1 over an IRMAA bracket spikes your Medicare premium 3:44 - 5 Bite-Sized Segments: Managing your retirement tax bill 6:15 - Why withdrawals from pre-tax 401(k)s and IRAs are taxed as ordinary income 12:20 - 2026 Tax Rules: Standard deductions and the $6,000 Senior Tax Deduction 17:24 - What is Tax Gain Harvesting and how do I reset my stock cost basis? 27:10 - What is Medicare IRMAA and how does $1 over the bracket trigger a cliff? 29:05 - How to appeal Medicare IRMAA surcharges using IRS Form SSA-44 Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth  Check out our other videos:  https://youtu.be/V6WM3iE0iow  https://youtu.be/A0qJfqNXG7k  https://youtu.be/AnHLRhM2xw8  https://youtu.be/ETdot5JU504  Sources available on request. 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, insurance, 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.

  8. Sep 24

    Long-Term Care Planning: A 5-Step Checklist to Understand Your Options

    59 million family caregivers deliver $1 Trillion in unpaid care annually. Learn the 5-step checklist to supervise care without draining your nest egg. Retirement Checklist: Retirement Plan Checklist:  https://bit.ly/4y60QiE  Get your Modern Confidence Score: https://bit.ly/3Tgx6QW Meet with us:  https://bit.ly/4xC93tY Education center:  https://bit.ly/4AmJvmX Chapters: 0:00 - Reaction Video: Why long-term care tears unprepared families apart 1:02 - Introducing the 5-Step Long-Term Care Checklist 3:10 - Step 1: What is long-term care and what options exist beyond nursing homes? 6:18 - Step 2: What is the true financial cost of nursing homes and in-home care? 9:57 - Step 3: How do I stress-test my retirement plan for a $130,000/year care stay? 15:04 - Step 4: What are the 5 main options for funding long-term care? 21:48 - Step 5: How do I hold a family meeting so my kids supervise care instead of providing it? Send us a questions to be featured on the show at: Questions@modwm.com  For more educational content visit: https://www.youtube.com/@MeetModernWealth   Check out our other videos: https://youtu.be/BShJFw8MmK4 Sources available on request. 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.

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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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