A Smarter Way To Retire with Tony Leonardi, CFP®

Tony Leonardi, CFP® dives deep into Monte Carlo simulations — the key metric that shows the % chance your money lasts as long as you do. Discover why volatility timing matters more than average returns, and the strategies to improve your Probability of Success. Free quiz + book: LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire.

Tony Leonardi reviews 2025’s biggest wins (permanent TCJA rates, age-75 RMDs, market patience) and surprises (AI explosion, IRMAA hits, semi-retirementtrend). Listener favorites: RMD strategies, 3 buckets, Roth conversions. Peek at 2026: inflation, Medicare rises, estate tweaks. Free retirement readiness quiz + book:LeonardiFamilyWealthcare.com/quiz.

We’re one week from Christmas and two weeks from New Year’s— the perfect time for a few quiet financial wins.   Tony Leonardi, CFP® shares 5 last-chance 2025 moves you canstill make before the calendar flips:    1. Max out retirement contributions (401(k), IRA, backdoorRoth)  2. Harvest tax losses in taxable accounts  3. Make charitable gifts (and set up QCDs for 2026)  4. Double-check RMDs and in...

You've saved diligently for decades. Built up $1.8 million or more. Done everything right. But there's ONE risk that can destroy your retirement in justa few years—and almost nobody talks about it. In this episode of A Smarter Way to Retire, I break down sequence of returns risk using a real client story that will change how you think about retirement planning forever. 📊 What You'll L...

Your 401(k)/IRA = BEST place to save, WORST place to retire or die. Discover why half your lifetime withdrawals could go to taxes + Medicare surcharges, and the exact 5-move playbook we use to cut that bill dramatically. Real client stories + the 3-bucket framework that changes everything. Because there IS a Smarter Way to Retire. Why Your 401(k) and IRA Are the BEST Place to Save… and the WORST P...

If RMDs are coming (or already here), these 6 moves can save you tens or even hundreds of thousands. Tony covers QCDs, the new age-75 Roth window,fill-the-bracket conversions, smart market timing, turning RMDs into tax-free legacy with life insurance, and NUA for company stock. #RMD #RothConversion #RetirementPlanning #TaxStrategy#ConnecticutFinancialPlanner

Turning 73 this year? Then Required Minimum Distributions are about to become a major part of your financial life—whether you're ready or not. I'm Tony Leonardi, CFP®, and in this episode of A Smarter Way to Retire, I'm breaking down everything you need to know about RMDs: what they are, when they start, how to calculate them, and the seven most common mistakes that can trigger a 25% p...

Join Tony Leonardi, CFP® from Newtown, Connecticut, for a comprehensive Roth conversion masterclass recorded November 14, 2025. After celebrating his birthday with fresh pasta and steaks over the firepit, Tony delivers the deep dive you've been requesting. The Core Principle: Roth conversions only make sense if you anticipate being in a higher tax bracket in the future. Without a comprehensive...

Join Tony Leonardi, CFP® from Newtown, Connecticut, for a birthday special recorded November 7, 2025. With eight weeks left in 2025, discover actionable year-end tax strategies that could save you thousands. What You'll Learn: -How the One Big Beautiful Bill changed 2025 taxes ($31,500 standard deduction, senior bonus deductions) -Tax loss harvesting to offset gains (including wash sale rule w...

Join Tony Leonardi, CFP® from Newtown, Connecticut, for aHalloween-themed deep dive into Required Minimum Distributions (RMDs). Recorded October 31, 2025, this episode unmasks common RMD mistakes, explains current rules, and reveals sweet strategies like Qualified Charitable Distributions. What You'll Learn: -2025 RMD rules: Age 73 for those born 1951-1959, age 75 for 1960+ -Common mistakes th...

Join Tony Leonardi, CFP® from Newtown, Connecticut, fresh from his family vacation in Florence, Italy, as he explores why traditional diversification strategies may no longer work. Recorded October 22, 2025, this episode revealshow the S&P 500's concentration in just five tech giants creates hidden risks for retirement portfolios. Learn about sequence of returns risk—why the timing of mark...

Join Tony Leonardi, CFP® and author of A Smarter Way to Retire , as he explores legacy and estate planning strategies to pass wealth smoothly. Recorded in October 2025, this episode dives into how annual gifting ($19,000 exclusion), trusts, and other tools may help reduce taxes and probate costs. Learn why planning can support control over your assets and align with your goals, from business succe...

Hey everyone, it’s Tony Leonardi, CFP®! Plan for healthcare costs with HSAs, Medigap, and our smart planning process. Get a no cost e-book or complimentary consultation at LeonardiFamilyWealthcare.com.#RetirementPlanning Goditi il podcast di questa settimana!

Hey everyone, it’s Tony Leonardi, CFP®! Discover tax-efficient retirement strategies to keep more of your wealth. Learn Roth conversions, tax-loss harvesting, gifting ($19,000/person in 2025), and more with our smart planning software. Book a complimentary consultation or get a nocost e-book at LeonardiFamilyWealthcare.com! #RetirementPlanning #TaxStrategies

Hey, it’s Tony Leonardi, CFP®! Learn how alternative investments like real estate & gold may help reduce portfolio volatility. Get my no cost e-book at LeonardiFamilyWealthcare.com/ebook or book a complimentary assessment!#RetirementPlanning

Hey everyone, it’s Tony Leonardi, CFP®! Plan for a 100+ retirement with healthcare ($315K+), HSAs, and long-term care strategies. Boost success to 90%+ with MoneyGuidePro. Get a no cost e-book or book a complimentary consultation at LeonardiFamilyWealthcare.com! #RetirementPlanning

Join Tony Leonardi, CFP® and author of A Smarter Way to Retire , to explore how AI revolutionizes financial planning. From real-time scenario analysis to personalized insights, learn how AI-powered tools like MoneyGuidePro help you achieve your retirement goals. Visit LeonardiFamilyWealthcare.com for a no cost e-book or to book a Complimentary Consultation.#RetirementPlanning #AI #CFP

Join Tony Leonardi, CFP®, author of A Smarter Way to Retire,as he dives into the great wealth transfer—$84 trillion moving to younger generations by 2045. Learn how to plan your legacy with trusts, gifting, GRATs,QCDs, and more, using MoneyGuidePro to help ensure your retirement stays secure. Book a complimentary assessment at[LeonardiFamilyWealthcare.com](https://LeonardiFamilyWealthcare.com/?utm...

Anthony Leonardi, CFP®, reveals tax planning for retirees:Roth conversions, OBBBA’s $6,000 deduction, and MoneyGuidePro’s dynamic approach. Dow surged 850 points; markets mixed. Book a free assessment atLeonardiFamilyWealthcare.com/?utm_source=podcast&utm_medium=applepodcasts. Subscribe for weekly retirement insights! Next: great wealth transfer, September 5.

Join Anthony Leonardi, CFP®, author of A Smarter Way to Retire , for the launch of our new weekly schedule, startingwith Social Security optimization. Learn how to maximize benefits, avoid tax pitfalls, and leverage spousal strategies, with insights from MoneyGuidePro. Plus, a market update: Dow, S&P, and NASDAQ dipped, but bonds shine. Bookyour free retirement assessment at LeonardiFamilyWeal...

Join Anthony Leonardi, CFP®, author of A Smarter Way to Retire , as he unpacks the July 2025 CPI report (headline CPI at 2.7%, core CPI at 3.1%), market swings, Apple’s AI push with Live Translation and a smarter Siri, and tariff tensions impacting stocks. Headline CPI tracks daily costs like gas, while core CPI signals long-term pressures like healthcare. Apple’s $500 billion AI investment drove...

Join Anthony Leonardi, CFP®, author of A Smarter Way to Retire , as he explores how declining U.S. birth rates, medical factors like infertility, AI-driven job changes, new trade deals boosting U.S. manufacturing, and China’s one-child policy shift could impact your retirement. The U.S. birth rate hit1.6 kids per woman in 2024, below the 2.1 replacement rate, partly due to health issues like obesi...

The U.S.-EU trade deal, signed July 27, 2025, is a game-changer for your retirement! With 15% tariffs, $750B in energy sales, and $600B in business investments, it’s a blockbuster for energy and small-cap stocks. In this week’s A Smarter Way to Retire , CFP Anthony Leonardi unpacks how to leverage this deal for your portfolio. From ExxonMobil’s 3% jump to inflation risks,learn how to: -Ride energy...

Markets hit record highs, and a U.S.-Japan trade deal sparked auto stocks, but tariffs and 2.7% inflation demand a plan. In this week’s A Smarter Way to Retire , CFP Anthony Leonardi breaks down this weeks economic moves, and the One Big Beautiful Bill Act ’s impact on your retirement. From Nvidia’s AI surge to tariff revenue and consumer strength, learn how to: -Save $2,000–$4,000 with 24% and 32...

New tax cuts save you thousands! Learn how markets & the One Big Beautiful Bill Act impact your retirement. Get our free 2025 Tax Planning Checklist! #TaxCuts2025 The One Big Beautiful Bill Act (signed July 4, 2025) locks in tax cuts that could save you thousands a year, but markets are volatile. In this week’s A Smarter Way to Retire , CFP Anthony Leonardi unpacks the latesteconomic news (Jul...