The Floor & Enjoy Retirement Strategy (FQF)

In today's Five Question Friday (FQF) video, we cover these questions: 1. Floor & Enjoy Retirement Strategy2. Target Date Funds3. Paying Taxes on Roth Conversions4. Vanguard’s New BondBuilder ETFs5. Boldin vs. EmpowerResources From VideoEmpower: https://go.robberger.com/empower/yt-fqfBoldin: https://go.robberger.com/boldin/yt-fqfhttps://longevity.stanford.edu/wp-con...https://robberger.com/spend-safely-in...https://fundresearch.fidelity.com/mut...https://fundresearch.fidelity.com/mut...https://advisors.vanguard.com/tax-cen...https://investor.vanguard.com/investo...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this Five Question Friday (FQF) video, we cover these questions: 1. How to teach your significant other to manage the investments? (The Spouse Financial Survival Kit)   1. Start with a One-Pager      a. Accounts      b. Key Professionals      c. Withdrawal Order      d. Financial Overview Doc: https://docs.google.com/document/d/1W...   2. Financial Love Letterhttps://docs.google.com/document/d/1q...  3. Review the documents once a year2. When to Take RMDs?    1. Timing doesn’t change amount (the amount is based on balance at end of last year)    2. RMDs must come before Roth conversions        a. https://obliviousinvestor.com/rmd-tim...   3. Take QCDs first if you plan to have them count toward RMDs   4. If needed for spending, take as needed (monthly or quarterly)   5. If not, wait until later in the year3. How can I see the stocks owned by a target date retirement fund?    Morningstar Investor: https://go.robberger.com/morningstar/4. How do you keep track of HSA expenses?https://docs.google.com/spreadsheets/...5. Why haven’t I done a Roth conversion yet?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this episode, I'll answer the following question from a viewer:"I would like to ask if you can do a video on the current specific funds you are invested in? You did a video a while back about your 6 funds, but now you mentioned in a recent video that you simplified and are down to 3 or 4 funds. I was thinking of mirroring your 6 fund plan but now I see you have simplified, which is why I am asking if you can do a new video going over your new 4 fund plan."Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover these questions: 1. Where is the best place to park cash today?2. Should you invest or pay off student loans?3. Are Schwab’s Target Date Retirement Funds a solid option?4. When should you start spending your IRA money?5. Should a TIPS ladder be part of a retirement portfolio?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this episode,  we cover my Ultimate Retirement Checklist:1. Healthcare2. Start learning about Medicare3. Understand IRMMA brackets4. Track Expenses5. Calculate Your Burn Rate6. Calculate Your Guaranteed Income Ratio7. Plan for large expenses8. Plan when to take Social Security9. Cash10. Create a Tax-Efficient Withdrawal Strategy11. Understand how investment withdrawals are taxed12. Consider Roth conversions13. Plan how to spend down your HSA14. Simplify Accounts15. Simplify Investments16. Consider your asset allocation17. End of Life Documents18. Consider how to use your home equity19. Consider using retirement planning tools20. Protect your online accounts (financial, email, social)Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover these questions: 1. How do you protect your portfolio as you near retirement?2. How does asset location work if you must draw from taxable accounts?3. Should you automatically reinvest dividends?4. How can I diversify away from the S&P 500?5. What is the safe withdrawal rate for a 20 year retirement?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we cover these questions: 1. What Happens To Bond Funds When the Fed Cuts Rates?2. Where to Invest If Stocks Are a No-go3. How are Mutual Fund Sales Taxed?4. Should Annuities Replace Bonds?5. Brokerage Account vs Roth IRAResourcesSnowball-Analytics: https://go.robberger.com/snowball-ana...10 Year Treasury & Fed Fund Rate: https://fred.stlouisfed.org/series/T1...VTINX: https://investor.vanguard.com/investm...FTBFX: https://fundresearch.fidelity.com/mut...Vanguard LifeStrategy Funds: https://investor.vanguard.com/investm...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In this 2025 Year-End Investment Portfolio Review we cover the following topics:1. Asset Allocation    a. Diversification / changes    b. Rebalancing2. Simplification3. Beneficiaries4. Performance5. Tax Loss or Gain Harvesting6. Fees    a. Fund fees    b. Advisor fees7. Evaluate Your Performance    a. Did you buy/sell anything    b. What worried you during the yearJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we look at these five topics:1. 10% yield on bonds2. Where to hold bonds3. Co-signing a mortgage4. Paying taxes on a Roth conversion5. Asset allocation of real estate investmentsBonus: Cost of long-term care calculatorResources:https://www.carescout.com/cost-of-careJoin the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

In today's Five Question Friday (FQF) video, we look at these five questions:1. Have we been lied to about our Social Security break-even age?2. Is it ok to restart the 4% rule if the market goes up in early retirement?3. I am nervous about the run up in AI stocks . . . Could it be a good idea to consider diversifying from VTI to an “equal-weighted index fund like Invesco S&P Equal Weight ETF or others like it?4. I’m 64 and I would like to begin annual Roth conversions from my traditional IRA’s.  Can you review the rules surrounding these conversions in one’s retirement years?  I would like to know how soon I can withdraw converted funds and their associated earnings penalty free and tax free.5. You’ve mentioned in the past that you transitioned from a six-fund portfolio to a simpler three-fund setup. I’m curious — was that change mainly about reducing complexity and streamlining your investments, or did it reflect a stage of investment maturity and confidence in a more minimalist approach?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...