The Retirement Nerds

Trump Accounts go live July 4, 2026 — and there are rules most families don't know yet. In this video, Erik Soderborg and financial advisor Zacc Call break down exactly how these new child savings accounts work, including the $1,000 government seed contribution, annual contribution limits, employer contributions, and what happens when your child turns 18. Whether you're a parent, grandpare...

Most people have Social Security completely wrong — and the mistakes are expensive. In this video, Erik Soderborg and financial advisor Zacc Call correct 12 of the most common Social Security misconceptions, including when to claim, how spousal benefits actually work, whether Social Security is going broke, and the real rules around taxes and Medicare enrollment. --- 🎓 THIS VIDEO IS PART OF OUR C...

LLC vs S-Corp vs Sole Proprietorship — which business structure saves you the most in taxes, protects you from liability, and sets you up for retirement? CPA Daniel breaks it all down. In this video, I sit down with Daniel the CPA to cover everything business owners need to know about structuring their business the right way — especially if retirement is on the horizon. We cover: LLC vs S-Corp vs...

Roth conversions, Social Security timing, RMDs, and IRMAA — what order should you tackle retirement decisions? Most people start with the wrong one. In this episode, Erik Soderborg from The Retirement Nerds and Zacc Call from Capita Financial Network break down a step-by-step sequencing framework for retirement income planning. If you've been told to prioritize Roth conversions above everythin...

When should you take Social Security — at 62, 67, or 70? The answer depends on whether you're single or married, and the math looks very different for each. In this episode, Erik Soderborg and Zacc Call, president of Capita Financial Network, sit down and walk through real break-even analyses for single filers and married couples side by side. This is Part 4 of our 4-part Social Security serie...

Social Security break-even age — it sounds simple, but most people calculate it wrong. In this episode, Erik Soderborg sits down with Zacc Call, president of Capita Financial Network, for Part 3 of our 4-part Social Security series. We walk through how to actually calculate your Social Security break-even age and break down the 3 most common mistakes that lead to an inaccurate number — and potenti...

Are you getting every Social Security benefit you're entitled to? Most retirees only claim one — but there are actually four different types of benefits available depending on your situation. In this video, I sit down with Zacc Call, President of Capita Financial Network, to walk through what I call "The Social Security Menu" — every benefit option available to you in retirement. We...

💵 How is your Social Security benefit calculated? In Part 1 of our 4-part Social Security series, financial expert Zacc Call explains the Primary Insurance Amount (PIA) - the foundation of your Social Security retirement benefit - and reveals proven strategies to increase your monthly payment. Whether you're years away from claiming or approaching retirement, understanding how Social Security...

How much does long-term care really cost — and how do you actually prepare for it? In this video, I sit down with Marc Glickman, President of BuddyIns, to break down everything you need to know about long-term care insurance — from how to get it, what it covers, and most importantly, how to actually use it when the time comes. With average long-term care costs running $6,400 per month or more, thi...

💰 Considering an annuity for retirement income? Financial expert Zacc Call breaks down everything you need to know about annuities - how they work, the fees involved, pros and cons, and whether they're the right choice for YOUR retirement. If you've been approached by a financial advisor about purchasing an annuity, or you're exploring guaranteed income options for retirement, this in...

Required Minimum Distributions can be one of the most confusing parts of retirement planning — and getting them wrong can lead to unnecessary taxes, missed opportunities, and costly mistakes. In this video, we discuss: • What Required Minimum Distributions are • When RMDs start • How RMDs are calculated • Common RMD mistakes retirees make • How RMDs affect taxes in retirement • Retirement planning...

Do you know about the two Roth 5-year rules? If you don't, violating them could cost you thousands in penalties and taxes. RELATED VIDEOS: https://youtu.be/RODrPaJ-xNU https://youtu.be/9boiPwzOats ZACC'S CHANNEL: https://www.youtube.com/@ZaccMoneyEducation CAPITA FINANCIAL NETWORK LINKS: Email: Connect@capitamail.com Website: https://capitafinancialnetwork.com/ Your Best Financial Year Pro...

Talking to your parents about estate planning can feel uncomfortable… but waiting too long can create confusion, conflict, and costly mistakes. In this episode, Jim Burch talks about how to start the estate planning conversation with your parents — without causing tension or resistance. This conversation is essential for adult children, caregivers, and anyone navigating family financial planning....

If you want to know how to approach a mathematically sound roth conversion strategy, watch this video! Social Security Taxability Video: https://youtu.be/NxH2jHzZwFo Get the Free Social Security Taxability Worksheet Here: https://theretirementnerds.com/social-security-worksheet/ Need help? Email me! Erik@TheRetirementNerds.com Visit our website: https://www. TheRetirementNerds.com Join our newslet...

Most people know they should have an estate plan — yet millions never finish one. In this episode of The Retirement Nerds, I sit down with estate planning expert Jim Burch to break down the biggest hurdles that stop families from completing their estate plan — and how to overcome them. We talk through the most common barriers, including fear of cost, not knowing where to start, avoiding uncomforta...

If you want to help your children financially without triggering unnecessary taxes or IRS headaches, Daniel the CPA explains how to do this in the smartest, most tax-efficient ways. We cover the annual gift tax rules, common mistakes retirees make misunderstanding step up in basis, how gifts can impact your overall tax picture, and the strategies CPAs use to transfer wealth while minimizing taxes....

Estate Planning expert Jim Burch explains who doesn't need to worry about setting up a trust as well as the 5 benefits to setting up a trust for those who would consider this as part of their estate plan. Jim Burch is the owner of Easy Legal Planning. He is has been helping families put together their estate plans for over 20 years and you can reach him at EasyLegalPlanning.com or service@easy...

CPA and tax expert Daniel Astleford shares a simple story of a retiree who got spooked by the news and decided to pull all retirement investments. This triggered a steep and expensive tax bill for this individual who used the money and didn't share what they had done with their advisors. When the tax man came calling, they didn't have enough to cover their tax liabilities. Daniel Astleford...

Financial expert Zacc Call details how small, weekly financial checkpoints can completely transform your relationship with money and help you have Your Best Financial Year. Zacc Call is a financial advisor and the President of Capita Financial Network. He is an expert in financial and retirement planning. He and his team have produced a weekly task list covering 8 financial categories that act as...

Retirees need to keep both Tax Consequences AND Investment Preparation Strategies in mind when planning for a big purchase. There are tax-efficient and investment-efficient ways to make these purchases along with other implications like your future Medicare premiums to keep in mind. ⏰ TIME CODES ⏰ 0:00 Question from Joe 0:25 What is a "Big" Purchase? 1:55 Tax vs Investments 3:48 Tax St...

In this interview, I talk with the Director of the Idaho Department of Insurance - Dean Cameron - who is standing up to major Medicare Advantage insurance companies. These companies are eliminating commissions for Medicare agents and brokers, making it harder than ever for beneficiaries to get qualified, personalized help during the Annual Enrollment Period. Watch this video for more background on...

In this episode of The Retirement Nerds, Erik Soderborg and Zacc Call walk you through Zacc’s brand new Net Worth Calculator tool — a simple but powerful way to understand where you stand financially. DOWNLOAD THE WORKSHEET FOR FREE HERE: https://theretirementnerds.com/networthcalculator/ OTHER FREE DOWNLOADS: https://theretirementnerds.com/free-downloads/ ZACC'S CHANNEL: https://www.youtube.c...

Thinking of contributing to a Roth IRA or doing a Roth conversion? Before you do, make sure you’re not falling into one of the 16 most common mistakes people make. In this episode of The Retirement Nerds, Erik Soderborg sits down with Zacc Call to break down critical errors that could cost you more in taxes, hurt your retirement income strategy, or derail your financial plan altogether. 📌 In this...

In this interview, Erik Soderborg sits down with estate planning expert Jim Burch to answer one of the most common (and important) legal questions: When should you update your will or trust? Whether you already have an estate plan in place or you're wondering if it's time to revisit it, Jim outlines the key life events, financial changes, and family situations that should trigger a review...

In this video, Erik Soderborg and Zacc Call walk you step by step through how to determine exactly how much of your Social Security income will be taxable. Be sure to download the Free Social Security Taxability Worksheet to follow along with us. Get it here: https://theretirementnerds.com/social-security-worksheet/ OTHER RELATED VIDEOS: https://youtu.be/HNQbgUTqzRshttps://youtu.be/QXC0j1O-eAg htt...