The Retirement Nerds

Zacc Call is back to go over why someone would choose Roth vs Traditional accounts. In this video, he goes over the 8 Reasons Why Someone Should Consider Roth Contributions or Conversions. This is building off the foundational math that if your tax rate stays the same, and your investments grow at the same rate, for the same time, you will have the same spendable amount regardless of whether you g...

Should you choose a Roth or Traditional account? Zacc Call discusses the math that most people get wrong when analyzing whether or not a Roth (or Roth Conversion) or a Traditional account puts them in the best tax position in retirement. If you’ve ever wondered which account type will leave you with more money in retirement, this interview breaks it down with clarity, examples, and powerful insigh...

In this interview Jim Burch with EasyLegalPlanning.com outlines one of the most critical (and overlooked) parts of estate planning — funding your trust. Your Trust is worthless if you have not properly funded the trust. Jim walks through the 7 key types of assets that should go into your trust and explains exactly how to fund each one, including: 1. Real Estate 2. Bank Accounts 3. Brokerage Accoun...

Download the free Social Security Taxability Worksheet Here: https://theretirementnerds.com/social-security-worksheet/ Zacc's YouTube Channel: https://www.youtube.com/@ZaccMoneyEducation?sub_confirmation=1 Related Videos: https://youtu.be/kFgagJM6rLE https://youtu.be/ZetbFdEqi2A https://youtu.be/HNQbgUTqzRs Contact us if you need help with any of these topics: https://theretirementnerds.com/co...

Revocable vs Irrevocable Trusts – What’s the difference, and which one should you choose? In this episode, we break down the pros and cons of both types of trusts so you can make an informed decision when it comes to estate planning, asset protection, and avoiding probate. Connect with Jim and his team at Easy Legal Planning: Website: EasyLegalPlanning.com Email: Service@EasyLegalPlanning.com You’...

Using existing tax advantages when you donate to charities allows you to donate even more than you otherwise could. If giving to charities is a part of your life and your mission, there are ways outside of giving just cash that will be more beneficial to you and the charities. Our video on above the line and below the line tax strategies: https://youtu.be/PiGFVuAT67Q If you'd like our help wit...

Here is the link to mess with the Long Term Care cost calculator: https://partner.buddyins.com/retirementnerds Marc Glickman is the CEO of Buddy Ins and helps people all over the country plan for the four major long term care questions: 1. Where will I receive care? 2. Who will provide the care? 3. How much will it cost? 4. How will I pay for it? Other Resources: Free Retirement Nerds Newsletter:...

Are you looking for ways to reduce the taxes on your income? Zacc Call goes over tax strategies from simple to more advanced. Schedule a free call with Zacc’s team to review your tax saving opportunities: https://theretirementnerds.com/contact-us/ Other Resources: Free Social Security Taxability Worksheet: https://theretirementnerds.com/social-security-worksheet/ Free Money and Mind Ebook: https:/...

Steve Willems sat down to go through the 10 Retirement Myths he hears most when helping Canadians plan for their retirement. We compare and contrast retirement choices in Canada with those in the United States and go through general concepts of what most retirees actually experience. Connect with Steve here: https://willemswealthplanning.ca/ Steve's YouTube Channel: https://www.youtube.com/@wi...

How you ask your financial advisor is just as important as what you ask your financial advisor. If you are thinking of working with a financial advisor, we'll show you not only which questions to ask, but how to get to them in a way that establishes credibility and gets you the answers you really need. Zacc's Article on Questions to Ask: https://www.capitafinancialnetwork.com/education-cen...

Learn how to create your own investment portfolio and what the professional financial advisors look for when constructing a solid portfolio. Zacc Call outlines the factors and options available for those who want to do something other than just invest in the S&P 500 index funds. Zacc goes over stocks, index funds, bonds, and other asset classes to help you build your wealth. Connect with Zacc&...

As you prepare to file your taxes, you will want to understand how your taxes are calculated to ensure you are making the most of your tax situation. There are different types of income, tax rates, and the progressive tax structure of the United States tax code. Zacc Call goes over how to simplify the taxation in America and where they may be some opportunities for you as you plan your tax filings...

Putting in the right people to act in your Estate Plan is as important as any other decision. Who will act as your successor trustee (trusts), executor (wills), and financial powers of attorney for finances and healthcare decisions will impact how your estate plan is executed upon death. On the other side of the coin, if you are named as one of these important individuals, it is important to under...

The Social Security Fairness Act, HR 82, concerning the Windfall Elimination Provision and Government Pension Offset, was signed into law on January 5, 2025 by President Joe Biden. Tyler Williamson from Capita Financial Network explains what this means for those impacted. This impacts 2.7 million Americans who had their Social Security Benefits reduced by the Windfall Elimination Provision (WEP) o...

There are many ways to title your real estate properties, but who or what entity owns that property can have significant consequences when we start talking about probate, taxes, and freedom to sell properties upon death. For most, their home is their single biggest financial asset. Jim Burch masterfully explains the different ways to structure real estate to ensure your assets are passed on effect...

In this video, Zacc Call, a Certified Financial Planner explores the 7 projects to achieve financial freedom. If you are tired of living paycheck to paycheck and want to take control of your finances to build a sustainable future, this video is for you! Zacc breaks down his 7 Prosperity Projects in a simple, step-by-step way that is a proven way to assign your next dollar to the most beneficial ta...

You've decided you want to do a Roth conversion, and in this video, we go over exactly HOW to do a Roth conversion. What is happening during the conversion? What are best practices? And how can you avoid costly mistakes when doing a Roth conversion. Roth vs Traditional Video: https://youtu.be/VHHNYdpVwrU Social Security Tax Tornado Video (with free worksheet): https://youtu.be/ZetbFdEqi2A The...

Having the control to plan what happens to your estate (or stuff) when you die is important to people. If you have property, kids, or financial assets, you want to control who gets what should you pass away. Jim Burch of EasyLegalPlanning.com outlines the important aspects of Estate Planning. What to expect if you do nothing. Is a Will sufficient, or does a Living Trust make more sense? Watch to l...

If you enjoy hearing about how to keep your financial professionals honest, I recommend listening to my conversation with Zacc Call about the secrets to knowing which type of financial professional you are dealing with. (https://youtu.be/8uC1lgkZUWE) Zacc's Podcast: The Financial Call: https://www.thefinancialcall.com/guided-path Reach out to me here: Erik@TheRetirementNerds.com Subscribe to t...

There are many financial professionals out there, and it gets hard differentiating which one you need, how they are paid, and which have conflicting incentives with your hard earned money. Zacc Call, President of Capita Financial Network, goes through the different financial professionals, what services they can offer, how they are paid, and how to know which you should be working with. Download t...

If you want to retire early, there are some important considerations you need to keep in mind. How are your investment accounts taxed? What about Medicare and Social Security? Should you wait or go for it now? Jaeden May from Adams Wealth Advisors goes over how to plan for an early retirement and outlines how to structure your plans into the future. *Connect with Jaeden here:* https://adamswealtha...

Losing a spouse is one of the most devastating experiences. Finances are the last thing on your mind. But, if you don't plan, financial stress could cripple your freedom to mourn in peace. Jaeden May from Adams Wealth Advisors outlines what to do when you lose a spouse and how to plan beforehand to make the unfortunate transition as easy as possible on you and your family. *Connect with Jaeden...

If you're not careful, the fact that Social Security is taxable can lead to you making decisions that become much more expensive than you may have realized. Zacc Call, President of Capita Financial Network, dives into the details of Social Security tax, which then helps determine the value of taking more money out of investments during retirement or whether or not a Roth conversion is worth it...

How your investment accounts are taxed could save you considerable amounts of money if you use the right investment vehicle. The two most common are Roth and Traditional accounts, especially as we talk about IRAs and 401(k)s. Our original video on Roth vs Traditional generated a lot of questions, so Zacc Call - President of Capita Financial Network - took some time to answer those questions. Watch...

If you are worried about running out of money during retirement, you are not alone. There are things outside your control that will impact your retirement funds. However, the more important things to worry about fall under your control and, with some discipline and knowledge, you can protect yourself against the external risks. Zacc's free Financial Education Platform here: https://www.thefinancia...