Not a Guru: Real Financial Education with Mark Byelich, CFP®

Is there a question that brings more differing opinions than this one? There are many variables and things to consider, but one thing is certain—this is one of the most important decisions you’ll make in your retirement planning. You should not base this decision on what your uncle, brother, sister, friend, or others think. You should make this decision based on facts and projections for you, spec...

Learn how a yearly review and update of your financial plan can help you adjust for life events, tax law changes, market shifts, evolving needs, goals, and issues and to help make sure you have the most up-to-date investment and planning strategies. Tune in to learn the important details. Visit our website: https://www.attleborowealth.com

The One Big Beautiful Bill Act is 940 pages of changes to our tax code and to retirement planning as a whole. What do these changes mean for your retirement plan and your Roth conversion strategy? Join me to learn more in this week's episode. Visit our website: https://www.attleborowealth.com

The One Big Beautiful Bill was recently passed and signed into law. Does this new law change how Social Security is taxed? Will the new law potentially reduce or eliminate the tax on your Social Security benefits? I’ll discuss the details and share some expert opinion in this episode. Visit our website: https://www.attleborowealth.com

The Social Security and Medicare Trustees released their annual reports on the programs’ financing, showing that the future of these vital programs remains at risk. What does this mean for your Social Security and Medicare benefits, and what can you do to help protect yourself? I’ll discuss the details of this approach and if it may be the answer for your retirement spending plan. Schedule time wi...

A common approach to retirement income planning by some people is the idea that you can just live off your dividends and income, keeping your “principal” intact. I’ll discuss the details of this approach and if it may be the answer for your retirement spending plan. Join me to learn more in this week's episode.

Air date: 6/11/2025 Continuing on the Dangerous Retirement Myths to Watch Out For topic, this week I discuss another popular concept for retirement spending, the Go-Go, Slow-Go, No-Go approach. I’ll discuss the details of this approach and if it may be the answer for your retirement spending plan. Join me to learn more in this week's episode. Schedule time with Mark for a no cost, complimentary co...

Air date: 05/21/25 How much money do you need to have saved to retire in comfort and with confidence? This is a top 3 question. The answer, of course, is that it's different for everyone. In this episode I’ll give you some tips on how to find your true number, what you should focus on, and what truly matters. 3 Pillars of Investment Management: https://youtu.be/mgSBeGzVqgg?si=wdkqEJajMJUeu7i1 Sche...

Air date: 05/14/25 Beneficiary designations are one of the most important parts of your estate plan.  I’ll share a Federal Court decision that highlights the importance of beneficiary designations and updating your plan and your beneficiary designations. Video version: https://www.youtube.com/watch?v=ROFGJRLGOEA 05:24 - Headlines11:00 - Slott Report17:01 - Market Update26:47 - Financial Focus: Ex-...

Air date: 4/30/25 Investment markets can be very volatile. You’ve probably heard that a significant market drop can have long-lasting, or even permanent negative effects on your retirement savings and therefore the quality of your retirement. I’ll discuss why this is and how to potentially protect yourself in this week’s episode. Video version: https://www.youtube.com/watch?v=B8AN2L7zDxk 0:00 - In...

The SECURE Act and SECURE 2.0 introduced significant changes to retirement and tax planning, with various effective dates. One major change in 2025 affects catch-up contributions, allowing for larger contributions in some cases. However, these "Super Catch-Up Contributions" are subject to limitations based on the individual's age and the type of retirement account or plan used.  3 Pillars of Inves...

2025 is a year of change for our tax laws. In this episode, Mark and Dave will discuss the status of tax law changes, some thoughts about proposed changes, and what it may mean for your financial plan and investment strategies. Be sure to tune in to learn the important details. Video version: https://youtu.be/GwovySeeVxk?si=UQKMzn-nhbXQy0HC Schedule time with Mark for a no cost, complimentary cons...

It can be exciting when you realize your needs are taken care of and you can start planning for gifting to your loved ones, charities, or other people and organizations you want to help. But just like any other financial planning strategy, you should be careful to understand the benefits, drawbacks, and limitations of the gifting strategy you choose. I’ll review some popular gifting strategies and...

During my travels last week, I met a very nice woman who told me of her husband’s passing. She’s now dealing with the loss of a loved one and managing their investments. I was shocked to learn the bad advice her financial advisor, who is also a CPA and attorney, gave her. I’ll share the details in this episode. 3 Pillars of Investment Management: https://www.youtube.com/watch?v=mgSBeGzVqgg Schedul...

 A common goal people have is to have their mortgage paid off by the time they retire. But is not having a mortgage in your retirement the right answer? I’ll explore pros and cons in this episode. Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com. Visit our website: https://www.attleborowealth.com...

A common question I hear is “Should I withdrawal money from my retirement accounts to pay off debt?” This is an important question that many of us have asked ourselves in the past. I’ll explore some key points to try to answer this question in this episode. Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowe...

Naming a trust or estate as beneficiary of an IRA introduces a number of post-death issues and potential hurdles. Before a trustee or executor touches any IRA funds, some foundational and oftentimes confusing details must be considered. Be sure to tune in to learn the important details. Andy Ives, CFP®, AIF®, brings 25 years of diverse experience in the financial services industry, ranging from ma...

There are important updates for 2025 that can affect your financial plan and investment strategies. Be sure to tune in to learn the important details. Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com. Visit our website: https://www.attleborowealth.com The opinions expressed in this program are for...

As I take a break over the holidays from my weekly webinars, we have put together some of our "Greatest Hits." This was a fun video with a lot of interaction and response that was originally broken down into two parts. We've combined the parts into one so you can enjoy the entire episode easily. I hope you find the information helpful and informative. There is so much financial advice to be found...

There have been many changes recently to the rules about Required Minimum Distributions. Join Mark and Sarah as they explore and discuss some of these changes and how they might affect you or those you care about. Be sure to tune in to learn the important details. Sarah Brenner, JD, is a leading authority on IRA distribution planning with over twenty years of experience helping clients and financi...

Roth conversions can be a powerful tax planning tool. Required Minimum Distributions (RMDs) have complex rules and significant penalties for failing to follow those rules. Converting your Traditional IRA to a Roth IRA when also taking your RMDs can be confusing and cause potential issues if done wrong. I’ll review the rules you should know about Roth conversions and RMDs in this episode. Be sure t...

 Both Roth conversion and the appropriate use of annuities can be powerful parts of your tax-efficient financial plan.  However, there are critical items to pay attention to when you are considering converting your Traditional IRA annuity to a Roth IRA annuity. Be sure to tune in to learn the important details. Links Mentioned:https://www.federalregister.gov/documents/2008/07/29/E8-17271/convertin...

One of the top three questions I hear is “when should I start collecting my Social Security benefits?” Join me and nationally recognized Social Security planning expert Heather Schreiber, as we explore the questions and information needed to help you answer this important question.  Be sure to tune in to learn the important details. Heather is a leading expert in navigating the complex issues rega...

By 2040, over 80 million Americans will be over the age of 65, and most will need some form of long-term care.  Are we ready?  Bryan and Mark will discuss the challenges and strengths of our long-term care system and how advocates are trying to improve care for America’s seniors. Be sure to tune in to learn the important details. Bryan Adler is a Certified Elder Law Attorney (CELA) through Nationa...

Planning or completed your Roth conversion for this year?  Do you know when and how to pay the tax owed on that conversion? I’ll discuss the details in this week’s video. Be sure to tune in to learn the important details. Schedule time with Mark for a no cost, complimentary consultation here: https://attleborowealth.com/discovery/ or email: questions@attleborowealth.com. Visit our website: https:/...