Tax-Smart 401(k) | Windfall Wisdom

Episode 668: A new balance of power in Washington always raises questions about taxes, retirement, and investments. Find out what could change and how to prepare without overreacting. Plus, discover what deserves a closer look before choosing your health coverage for 2027.

Episode 667: Discover how families can help teens turn money worries into actions and classroom lessons into habits that last. Next, hear six ways to help your kids or grandkids get ahead financially, including a few opportunities families often overlook.

Episode 666: Choosing the right college and major could mean the difference between a strong start and years of financial strain. Here’s what families need to consider.  Next up: Should you invest in AI or be wary of the hype? Explore what this massive spending boom means for your portfolio.

Episode 665:  Get to know a familiar face a little better as Matthew and Justin explore Jenny’s life and her remarkable 33-year journey with RYA! Then, when retirement stops feeling like a vacation, what comes next? Discover what can make this chapter fulfilling long after the excitement fades.

Episode 664: From rising oil prices to midterm elections, market noise can feel overwhelming, but diversification can help keep your long-term plan on track. Then, learn four costly IRA mistakes that can lead to taxes, penalties, and consequences that may be impossible to reverse.

Episode 663:  After successfully managing his family’s finances for 25 years, one experienced investor hired an advisor and came away with five lessons he didn’t expect. Next, Ryan and Justin show how a seemingly diversified portfolio can gradually become overly dependent on the same winning stocks.

Episode 662: Cars break, roofs wear out, and appliances die. John and Zach explain how to turn those future “surprises” into planned expenses instead of financial emergencies. Next, learn how to use Roth conversions like a scalpel, not a sledgehammer, to help reduce taxes over the long run.

Episode 661: Want to help your kids or grandkids while you’re still here to see it? Steve and Matthew explain how much you can give and how to make the most of today’s gifting rules. Next, learn the financial moves that can help you navigate life’s biggest milestones, from a first job and marriage to retirement and handling an inheritance.

Episode 660: Matthew and Abbie sit down with Hannah to talk about her role at RYA and give clients a chance to get to know the person behind the familiar voice. Then, learn how to plan ahead for retirement’s biggest expenses and avoid costly “gotchas” after your paycheck stops.

Episode 659: Discover why growing wealth can make typical market swings feel anything but normal and how adjusting your strategy or perspective can help you stay on track. Then, learn why frightening headlines can be costly when they influence investment decisions and how a long-term plan can help keep you grounded.