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. 8月28日

    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

    37 分钟

  2. 8月14日

    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

    27 分钟

  3. 7月31日

    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

    37 分钟

  4. 7月10日

    Over 800 Pages of Taxes: Don’t Worry, We Read It So You Don’t Have To

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth The One Big Beautiful Bill Act is over 800 pages long and packed with tax changes that impact retirees, individuals, and small business owners. From expanded standard deductions and new senior tax breaks to permanent small business deductions and the end of many green energy credits, this bill reshapes key parts of the tax code — at least for the next few years. In this episode, Tyler Emrick, CFA®, CFP®, breaks down what’s actually in the bill and what it means for your planning. You’ll learn: How the standard deduction and senior deduction are changing (and why it matters for Social Security taxation) The permanent extension of reduced tax rates from the 2017 tax law New above-the-line deductions for tips, overtime, and car loan interest Changes to SALT deductions and charitable contributions What small business owners need to know about the permanent QBI deduction and phaseouts Whether you’re already retired or planning ahead for your business and family, this episode will help you understand the real implications — without having to read 800 pages of tax law yourself. 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

    34 分钟

  5. 6月26日

    Cybersecurity and Your Retirement: Protecting What You’ve Built

    Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Retirees are increasingly targeted by cybercriminals — and the scams are getting more sophisticated. From fake emails and stolen phones to account takeovers and SIM card fraud, even cautious investors can be at risk. In this episode, Tyler Emrick, CFA®, CFP®, shares a real story of an attempted security breach involving a True Wealth Design client — and what made the firm catch it before damage was done. You’ll learn the most common cybersecurity threats facing retirees, how to secure your financial accounts, and what to do if you think you’ve been scammed. Plus, we cover smart strategies like using a password manager, enabling two-factor authentication, freezing your credit, and why every retiree should have a Trusted Contact on file. If you’ve worked hard to build a secure retirement, this episode will help you protect it. Here’s some of what we discuss in this episode: 🔐 $3.4 billion lost to scams in 2023—just from retirees 📞 How a client’s phone was hijacked and nearly cost them big 🎣 Phishing, fake tech support, romance scams & more 🔁 Best practices: strong passwords, 2FA, credit freezes, and identity monitoring 🛡️ New safety features: trusted contacts and “safe words” for financial accounts   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

    36 分钟

  6. 6月12日

    Costly Retirement Mistakes To Avoid Before It’s Too Late

    Some retirement mistakes are obvious. Others are silent — slowly eroding your plan year after year without setting off alarms. From investing the same old way to ignoring tax planning and claiming Social Security without a strategy, these missteps can cost you more than you think. In this episode, Tyler Emrick, CFA®, CFP®, walks through five of the most common — and avoidable — financial mistakes people make in and near retirement. You’ll walk away with practical strategies to strengthen your plan, avoid missteps, and make more confident decisions as you approach — and live in — retirement. Whether you're five years from retirement or already in it, this episode will help you spot hidden risks and take smarter action today. Here’s some of what we discuss in this episode: 📉 Mistake #1: Investing the same way you always have 💰 Mistake #2: Taking too much risk trying to “catch up” 📊 Mistake #3: Not measuring progress against your plan 🧾 Mistake #4: Ignoring tax planning opportunities 🕰️ Mistake #5: Claiming Social Security without a clear strategy   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/   We're now on YouTube! Subscribe so you don't miss a show: https://bit.ly/3SNWIkg

    43 分钟

  7. 5月29日

    Warren Buffett’s Final Chapter: Purposeful Wealth and Practical Planning

    Warren Buffett announced his retirement as CEO of Berkshire Hathaway at the company’s 2025 annual meeting — marking the end of one of the most legendary investing careers in history. But his lessons aren’t just for billionaires or portfolio managers. They’re surprisingly relevant for anyone approaching retirement or looking to live more intentionally with their wealth.   In this episode, Tyler Emrick, CFA®, CFP®, explores the timeless wisdom behind Buffett’s philosophy—from staying invested through downturns to making confident decisions when fear is high. We also discuss how a strong financial plan helps you make purposeful choices: knowing when to spend, when to give, and how to align your wealth with the life you want to live—now and in the future.   Here’s some of what we discuss in this episode: 📈 What 90% of Buffett’s wealth after 65 teaches us about patience 🧠 "Be greedy when others are fearful" — and how to actually do it 📉 What to do when market fear clouds good decision-making 🌱 Giving while living — and planning to do it with confidence 🔧 Why your financial plan is your most powerful tool   Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

    31 分钟

  8. 5月15日

    One Year from Retirement: A Critical Window for Planning and Perspective

    When you're 12 months away from retirement, everything starts to feel real. From hard deadlines like pension elections and Medicare sign-ups to emotional shifts around identity and purpose, this final year before retirement can feel like a perfect storm.   In this episode, Tyler Emrick, CFA®, CFP®, explores the unique challenges clients face in this transition — and how the financial planning process needs to evolve accordingly. You'll hear how True Wealth Design helps clients navigate not just the dollars and cents, but also their lifestyle risk, time horizons, and the often-overlooked emotional aspects of leaving a long career behind.   Here’s some of what we discuss in this episode: 📆 Why the last 12 months before retirement matter so much. 💸 The truth about lumpy spending and how to plan around it. 💑 Pension decisions, Social Security timing, and survivor benefits. 🧠 How to navigate identity shifts and relationship changes. 📊 Why advisors should be more than number crunchers.   Resources Our website:  https://www.truewealthdesign.com/ Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ 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/ Facebook: https://www.facebook.com/TrueWealthDesign/ LinkedIn: https://www.linkedin.com/company/true-wealth-design/ X: https://x.com/truewealthdesgn

    40 分钟
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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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