These Tax Strategies Let You Spend More in Retirement - 584
Your Money, Your Wealth
Your Money, Your Wealth
4.6 • 791 Ratings
🗓️ 2 June 2026
⏱️ 47 minutes
🧾️ Download transcript
Summary
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Heidi from the Space Coast of Florida found a money-saving tidbit in a past episode that completely changed how she thinks about her financial advisor's fee. Joe Anderson, CFP® and Big Al Clopine, CPA expand on the strategy, today on Your Money, Your Wealth® podcast number 584. Laverne and Shirley have four million bucks, Roth conversion questions, annuity questions, and a retirement plan so detailed it may require a diagram. Finally, Bess and George from Pure Michigan are already retired, already on Social Security, and already losing sleep over their investments. So why are they so stressed? Joe and Big Al’s a debate about a 1% advisory fee gets a little spicy in that one.
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Chapters:
00:00 - Intro: This Week on the YMYW Podcast
01:02 - Can Financial Advisor AUM Fees Come Out of Pre-Tax Money? (Heidi, Space Coast, FL)
09:54 - Are We Converting Enough Before RMDs? What to Do With Annuities? (Laverne & Shirley, Cleveland, OH)
30:23 - Target Date Funds and a Sad Brokerage: Good Enough? Can't See Ever Paying an Advisor (Bess & George, MI)
45:37 - Outro: Next Week on the YMYW Podcast
Transcript
Click on a timestamp to play from that location
| 0:00.0 | Heidi from the space coast of Florida found a money-saving tidbit in a past episode that completely |
| 0:05.0 | changed how she thinks about her financial advisor's fee. |
| 0:08.0 | Joan Big Al expand on the strategy today on your money, your wealth podcast number 584. |
| 0:13.0 | Laverne and Shirley have four million bucks, Roth conversion questions, annuity questions, and retirement plan so detailed it may require a diagram. |
| 0:22.1 | Finally, Bess and George from Pure Michigan are already retired, already on Social Security, |
| 0:27.3 | and already losing sleep over their investments. So why are they so stressed? Join Big Al's |
| 0:32.1 | debate about a 1% advisory fee gets a little spicy in that one. Apple podcast users, you now have the option of listening or watching YMIW, |
| 0:40.9 | just like our friends following us on YouTube or Spotify. |
| 0:43.9 | Leave your honest rating and review even if it's just to tell us that we have faces for radio. |
| 0:48.4 | I'm executive producer Andy Last, and here are the hosts of Your Money, Your Wealth, |
| 0:52.6 | Joey Anderson, CFP, and Big Alclop, CPA. We got Heidi, Space Coast of Florida. Right. Have you ever been to NASA? I have not. Have you? No. Do you ever want to be an astronaut? Never. I think I was. I wanted to be an astronaut when it's five, but that didn't last long. Not even close. Didn't want to be. I don't want to go to space. I would be freaked down. I, like, claustrophobic. I think that there's no way to handle it. I think that's when I realized that. First, I wanted to be a cowboy, but then astronaut was cooler. Yes. Yeah. All right. |
| 1:29.2 | I just got the cowboy. |
| 1:32.8 | I still have some cowboy outfits. |
| 1:35.0 | Yeah, I know. |
| 1:35.7 | I remember. |
| 1:36.9 | You remember? |
| 1:37.3 | Cowboy boots. |
| 1:38.2 | Yeah. |
| 1:38.9 | I showed them to you? |
| 1:39.7 | Yeah. |
| 1:40.2 | One Halloween or something? |
| 1:41.2 | Maybe. |
... |
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