A Smarter Way To Retire with Tony Leonardi, CFP®

Many people know long-term care is expensive and that theymight need it one day, but they haven’t actually addressed it in their retirement plan. As a result, the concern often lingers in the background like a dark cloud.   In this episode, Tony Leonardi, CFP® explains how to stopavoiding the issue and start dealing with it practically using the Live On vs Leave On framework.   You’ll learn: - Why...

Most retirees make one costly mistake — they treat all their retirement savings the same way. But not all retirement dollars have the same purpose. In this webinar, Tony Leonardi, CFP®, explains the critical distinction between Live On Assets (money you’ll spend during retirement) and Leave On Assets (money intended for your children and grandchildren). You’ll learn: -Roth IRA Conversion Playbook...

If you have $1.5 million or more in retirement accounts — and you don’t actually need all of it to live on comfortably — this episode is for you. In this video, Tony Leonardi, CFP®, reveals the hidden problem that affects many successful savers: Without proper planning, the IRS can end up as one of your largest “heirs” — taking two bites at the same retirement savings. You’ll learn: -Why RMDs and...

Most retirement advice is too generic. That’s why I created the Smart Retirement Strategy Quiz — it identifies which of the 18 unique retiree profiles best matches your situation. In this episode, Tony Leonardi, CFP® explains the four key questions behind the quiz and shares three common profiles so you can start thinking about where you fit. You’ll learn: Live On vs Leave On assets and why it mat...

New in 2026 — Trump Accounts (Section 530A) give families apowerful way to save for children and grandchildren with tax-deferred growth and a $1,000 government seed contribution.   In this episode, Tony Leonardi, CFP® breaks down: - Who qualifies and how to open an account - Contribution limits and growth potential (including realnumbers at 6% and 7%) - How Trump Accounts compare to 529 plans, UGM...

If you have a large estate and want to support causes you care about while potentially reducing taxes for your children, a Charitable Lead Trust (CLT) may be worth exploring. In this episode, Tony Leonardi, CFP®, breaks down how Charitable Lead Trusts work, who they’re best suited for, and how they can help reduce the taxable value of assets passed to the next generation. You’ll learn: How a CLT f...

Tony Leonardi, CFP®, breaks down Charitable Remainder Trusts (CRTs) — an advanced planning strategy that may help individuals with appreciated assets potentially reduce capital gains taxes, generate lifetime income, and support charitable causes. In this episode, Tony walks through how CRTs work, shares a detailed example of a business owner comparing an outright sale versus using a CRT, and discu...

If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children. The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to withdraw over 10 years.   In this episode I show you the real cost with clear examplesand introduce four practical strategies under the Smart Legacy Tax Shiel...

Most retirees never separate their Live On assets (moneythey’ll spend) from their Leave On assets (money for heirs). This one mistake often leads to higher taxes, unnecessary risk, and a smaller legacy.   In this episode I walk through the simple way to calculatethe split and share the four most effective strategies to minimize taxes on the money you actually need to live on — including Roth conve...

Last week we talked about paying tax once instead of twice. This week we go deeper: the critical difference between **Live On assets**(money you’ll spend) and **Leave On assets** (money for your heirs).   Most people treat all their retirement accounts the same way— but once you separate them into these two buckets, everything changes:investment strategy, tax planning, and withdrawal approach.   I...

Many retirees don’t need their RMD income, yet face double taxation — once during their lifetime and again when heirs inherit the account. In this episode, Tony Leonardi introduces the Smart Retirement Tax Shield and Smart Legacy Tax Shield — two strategies to pay tax once instead of twice. Includes real client examples with significant projected lifetime tax savings. Download the free Smart Tax S...

How do you turn your savings into reliable retirement incomethat lasts as long as you do? Tony Leonardi, CFP® breaks down the best retirement income solutions for 2026 — including the bucket approach, protected income layers, guardrails, and blending sources. Plus why a good financialmodel is essential.    Free Roth IRA Conversion Playbook 2026 Edition:  https://www.leonardifamilywealthcare.com/ro...

Maxing your 401(k) sounds smart — until the tax torpedo hitsin retirement. Tony Leonardi, CFP® explains the three tax buckets, how Social Security taxation creates hidden spikes, and why balanced retirement income planning is essential for tax-efficient retirement and legacy protection.    Timestamps:  00:00 – The Trap Most Savers Fall Into  03:00 – The Three Tax Buckets  07:00 – The Most Valuable...

Early April 2026 webinar recap: Tony Leonardi, CFP® shares 5powerful tax strategies — asset location, tax-efficient withdrawals, QCDs, Roth conversions, and tax-loss harvesting — to help you lower your tax bill and protect your legacy.    Free Roth IRA Conversion Playbook 2026 Edition:leonardifamilywealthcare.com/roth-ira-conversion-playbook  Free model build:calendly.com/anthony-leonardi-leonardi...

Living to 95 or 100 is more common than ever, but healthcarecosts can reach $315k+. Tony Leonardi, CFP® explains why old rules fail, howHSAs and annuities help, and how modeling boosts success rates.    Timestamps:  00:00 – Intro & Longevity Reality  01:00 – Why Old Rules No Longer Work  04:00 – Real Client Story  07:00 – Action Plan  11:00 – Free Resources & Webinar    Free Roth IRA Conve...

Sequence of returns risk can cut your retirement successrate by 50% if markets dip early. Tony Leonardi, CFP® explains how to use AI modeling, income floors, and annuities for tax-efficient retirement andconfident income planning.    Timestamps:  00:00 – Intro & Why Sequence Risk Matters  01:00 – What Sequence Risk Really Is  04:00 – Real Client Stories  08:00 – Action Plan  12:00 – Free Resou...

RMDs in 2026 can quietly inflate taxes and erode yoursavings. Tony Leonardi, CFP® explains how to use QCDs, Roth conversions, and modeling to stay under IRMAA thresholds, reduce lifetime taxes by 20–30%, andpreserve more for your family.    Timestamps:  00:00 – Intro & Why RMDs Matter Now  01:00 – RMD Basics & Traps  04:00 – Real Client Stories  08:00 – Actionable Steps  12:00 – Free Resou...

Tony Leonardi on Roth conversions: Pay low now vs. highlater. Timing, modeling, examples for 20s–retirees. Personal— not for everyone! Free quiz + book: LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire.

Tony Leonardi kicks off Year 2 with a deep dive on financialmodeling—calculate success, optimize portfolios, Roths, Social Security & more. Avoid sub-optimal guesses; free model offer! Quiz + book:LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire. Past performance is no guarantee of future results. Diversification does not ensure against loss

Tony Leonardi, Certified Financial Planner professional celebrates 1 year on YouTube! Recap strategies(Roth conversions, portfolios, longevity) & why financial models areessential—success rates, tax savings, legacy. Updated for lower 2026 rates. Free quiz + book: LeonardiFamilyWealthcare.com/quiz Because there IS a Smarter Way to Retire.

Tony Leonardi, CFP® interviews audiologist Dr. Lori Aleks onhow untreated hearing loss affects cognitive health, family communication, retirement quality, and costs. Learn prevention, testing, modern hearing aidtechnology, and why early action is a smart financial move for longevity. Contact Dr. Aleks: www.bestlifehearingcenter.com or (203) 735-4327.    Free 2-min quiz + book:https://www.leonardif...

Tony Leonardi, CFP® covers 5 key tax updates for 2025 (filed2026): inflation-driven bracket creep, Medicare IRMAA increases, RMD & 10-year rule, $15M estate exemption, crypto reporting. Proactive moves like Roth conversions & QCDs to save thousands. Real stories. Free quiz + book:LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire.

Tony Leonardi, CFP® on the $7 trillion wealth transfer:estate tax shockers, gift headaches, capital gains, IRA income tax, and the 10-year rule. Proactive strategies: gifting, stepped-up basis, insurance. Real mistakes & triumphs. Free quiz + book: LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire.

Diversification isn’t just “don’t put all your eggs in onebasket” — it’s Nobel Prize-winning math that can make your money work harder with less risk.    In this week’s episode of A Smarter Way to Retire, we breakdown Modern Portfolio Theory, the Efficient Frontier, and how to build a portfolio that maximizes return for your risk level.    Real client story: Dropped risk 33 % with the same expecte...

Tony Leonardi, CFP® explores how Monte Carlo simulationshelp find the optimal portfolio allocation for higher Probability of Success. Discover the trade-off between Probability of Success and Safety Margin, why average returns aren't the whole story, and how to fix inefficient investments. Free quiz + book at LeonardiFamilyWealthcare.com/quiz Because there IS a Smarter Way to Retire.