Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®
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Planning Retirement Smarter. Living Retirement Better. With Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP® of True Wealth Design. #Retire #Stocks #Investing #401k #IRA #CFP #TrueWealthDesign. Contact at https://www.truewealthdesign.com/ or by calling 855-893-7526.

  1. 2일 전

    How to Get A $25,262 Healthcare Tax Credit Even If You Are Affluent

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth For many retirees, healthcare costs before Medicare can be one of the biggest financial shocks — often exceeding $25,000 a year. But with the right planning, that same $25,000 can turn into a tax credit instead of an expense. In this episode, Tyler Emrick, CFA®, CFP® dives into how the Affordable Care Act’s (ACA) Premium Tax Credits work, what is and what isn't expiring after 2025, and how affluent retirees can still qualify through smart income control. From understanding Modified Adjusted Gross Income (MAGI) to leveraging Roth accounts and taxable savings, you’ll see how advanced tax planning can make a big difference in bridging the healthcare gap to Medicare. Listen to learn: How the ACA subsidy formula really works The “$1 cliff” that can cost you $17,000 or more Which income sources to use — and avoid — in early retirement How to coordinate investment, tax, and income strategies to seek maximum benefits Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/  Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/  Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

    42분

  2. 10월 23일

    Gift Smarter: Tax-Wise Giving to Family and Charity

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth In this episode of Retire Smarter, Tyler Emrick, CFA®, CFP®, breaks down how to gift smarter — whether your goal is to support family or give back to charity. With the One Big Beautiful Bill Act (OBBBA) reshaping charitable deductions starting in 2026, now is the time to rethink your strategy. Tyler explains why cash may not be the best asset to give, how Donor-Advised Funds (DAFs) and Qualified Charitable Distributions (QCDs) can maximize your tax efficiency, and what to know about new AGI floors and deductions. If you want to make your generosity go further — for your loved ones, your favorite causes, and your long-term financial plan — this episode will help you do just that. Here’s some of what we discuss in this episode: 💸 Cash isn’t king – Gifting appreciated assets can save you (and your kids) significant taxes. 🎁 Donor-advised funds – Get the deduction now, give later, and simplify your recordkeeping. 🙌 QCD advantage – Over 70½? Give directly from your IRA and reduce taxable income. 🧮 Annual limits – Gift up to $19,000 per person (or $38,000 per couple) tax-free each year. 👨‍👩‍👧 Family strategy – Thoughtful planning builds multi-generational wealth and avoids tax traps.   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

    31분

  3. 10월 9일

    Structure Matters for Tax Efficiency: From Mutual Funds, ETFs, SMAs to Tax-Aware Long-Short

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Most don't realize how important structure and strategy impacts an investment's tax efficiency. Tyler Emrick, CFA®, CFP®, breaks down how investment vehicles — from mutual funds to ETFs, Direct Indexing, and Tax-Aware Long/Short (TALS™) strategies — impact your after-tax returns. Learn why mutual funds can surprise you with taxable distributions, how ETFs use in-kind redemptions to avoid them, what SMAs are and how they may help, and how modern innovations like long-short overlays unlock new levels of tax efficiency. Here’s some of what we discuss in this episode: 💼 Investment structure matters – How mutual funds, ETFs, and more advanced vehicles impact your tax bill. 📈 ETFs = efficiency – Learn how they avoid unwanted capital gains distributions. 🔄 Tax loss harvesting – The strategy behind realizing losses for long-term tax benefits. 🧮 Direct indexing – Owning individual stocks for customized control and better tax outcomes. ⚙️ Tax-aware long-short investing – The next evolution in creating ongoing, flexible tax advantages. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

    32분

  4. 9월 25일

    Year-End Tax Planning & Tax-Smart Retirement Withdrawal Strategies

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth It will soon be that time of year again … the fourth quarter. Before you get swept up in the holiday season, it’s the perfect time to take stock. Have you accomplished the financial goals you set for yourself this year? If not, there’s still time to act. In this episode, Tyler Emrick, CFA®, CFP®, walks you through True Wealth Design’s year-end tax and investment review process — our end of the year tax focused meeting to help families stay on track. You’ll hear what we look for in these meetings, the common year-end items you should be reviewing, and the key decisions that can save you money on taxes. We’ll also highlight why it’s just as important to look ahead — from contribution limits and healthcare enrollment to income targets for the coming year — so you’re prepared for 2026 and beyond. Here’s some of what we discuss in this episode: 📑 Filing vs. planning – April files the return; December sets the strategy. 💰 Max out contributions – 401(k), HSA, IRA, and catch-up opportunities. 🎁 Charitable giving – Donor-advised funds and bunching strategies can cut your tax bill. 🏥 Healthcare choices – Open enrollment decisions can save thousands. 🧾 Legislative updates – New senior deduction and higher SALT cap change the math in 2025.   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

    29분

  5. 9월 11일

    $1M Saved for Retirement – Can I Retire?

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth In today’s episode, we’re tackling the big question: Can you really retire with $1 million?  We’ll look at what the data says about how much people actually have saved How other assets like Social Security and pensions fit in, why your spending patterns matter more than you think Then we will finish up with the key planning opportunities — that can make all the difference. If you’ve ever asked yourself, “Do I really have enough to retire?” this episode will help you cut through the noise, understand the numbers, and feel more confident about your retirement readiness.   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

    42분

  6. 8월 28일

    Lessons from the Ultra-Wealthy: Smarter Planning for Real Life

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth What do ultra-wealthy families prioritize when it comes to their money — and how is that relevant to your own retirement plan? In this episode, Tyler Emrick, CFA®, CFP®, breaks down the top three concerns that shape how the wealthiest families plan — and why those same issues are just as important for families with $1–$5 million of wealth. You’ll learn: Why inflation, elections, and market volatility are changing how people think about risk How to protect your wealth from threats beyond the stock market — including cybersecurity and inheritance missteps And how to build a plan that supports not just your retirement — but the kind of legacy you want to leave Whether you’re five years from retirement or already in it, this episode will help you think more clearly, act more confidently, and plan like it really matters. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

    37분

  7. 8월 14일

    Deferred Compensation in 2025: What’s Changed, What to Watch For & New Planning Opportunities

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Deferred compensation plans can be a powerful retirement tool — but they’re often misunderstood and carry unique risks. In this episode, Tyler Emrick, CFA®, CFP®, breaks down how these plans work in 2025, from 409A rules to 457(b) and 457(f) plans that are especially common in the healthcare industry. We’ll cover why so many executives and physicians use them, how payout rules can trigger unexpected tax bills, and what happens when your employer is acquired — including timely insights for those in Northeast Ohio as Summa Health transitions from nonprofit to for‑profit under a private equity firm. Here’s some of what we discuss in this episode: 🧾 Know the fine print – Rules on payout timing are strict and often irreversible. ⚠️ Watch for triggers – Job changes or company buyouts can force unexpected distributions. 📉 Subject to credit risk – If your employer fails, you could lose your deferred comp. 📊 Plan your income – Coordinate payouts with your tax strategy to reduce the hit. 💡 Advanced tools – Strategies like TALS can help offset large taxable events.   Part 1: The Long and Short on Tax-Aware, Long-Short (TALS) Investing - https://www.truewealthdesign.com/podcasts/part-1-the-long-and-short-on-tax-aware-long-short-tals-investing/   Part 2: The Long and Short on Tax-Aware, Long-Short (TALS) Investing - https://www.truewealthdesign.com/podcasts/part-2-the-long-and-short-on-tax-aware-long-short-tals-investing/   Part 3: The Long and Short on Tax-Aware, Long-Short (TALS) Investing - https://www.truewealthdesign.com/podcasts/part-3-the-long-and-short-on-tax-aware-long-short-tals-investing/   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/  Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/  Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

    27분

  8. 7월 31일

    The Big Beautiful Bill Act Could Change Your Retirement Plan — Here’s How

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Congress passed the One Big Beautiful Bill Act — the biggest tax overhaul since the 2017 Tax Cuts and Jobs Act — and it could change the way you plan for retirement. From a brand‑new $6,000 senior deduction to new rules for charitable giving and major shifts in healthcare subsidies before Medicare, the law creates both new opportunities and new pitfalls for retirees and pre‑retirees. In this episode, Tyler Emrick, CFA®, CFP®, unpacks what the changes really mean for you. We’ll explore how to take advantage of the charitable giving rules before new floors kick in, how to manage Roth conversions to maximize the senior deduction, and what to watch for as ACA subsidies become less generous starting in 2026. Whether you’re five years from retirement or already living it, this episode will help you understand the risks, the opportunities, and how to keep your plan on track under the new law. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Here’s some of what we discuss in this episode: 💸 Above-the-line charitable deduction coming in 2026 📦 SALT cap expanded = more families itemizing again 📉 New ACA subsidy cliff could cost early retirees $10K+ 🔁 Roth conversions just got trickier, but they’re still powerful Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Schedule your no-cost discovery call: http://bit.ly/calltruewealth  Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/  Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

    37분
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Planning Retirement Smarter. Living Retirement Better. With Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP® of True Wealth Design. #Retire #Stocks #Investing #401k #IRA #CFP #TrueWealthDesign. Contact at https://www.truewealthdesign.com/ or by calling 855-893-7526.

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