If you missed our TV Show “The Money Puzzle”, Brian Ramsey and Eric Douglas got to have their chance to take calls from real people with questions and concerns that they have experienced while going through their financial journey. Many of you may have some of the very same questions! As always phone lines are open during and after the show. if you’d like to speak with one of our advisors or need more information regarding any of the topics discussed on today’s show, please give us a call!

Speaker 1 [00:00:21] Welcome to the Money Puzzle. I’m your host today, Randy Major, and joining me from Family Wealth Planning Partners. I almost said services, but Planning Partners, our Brian Ramsey and Eric Douglas, welcome. Eric, how are you today?


Speaker 2 [00:00:35] I’m fantastic.


Speaker 1 [00:00:36] And how about you, Brian?


Speaker 3 [00:00:37] Couldn’t be any better.


Speaker 1 [00:00:38] All right. So the last several weeks, we’ve been working together, doing these shows, and we’ve had some incredible shows with how they’re getting a lot of attention. The phone lines have been ringing and people are calling to book their consultations. And when they call, they have a lot of questions. So we decided today to put a whole show together just based on viewer questions. So this is going to be really fun. So we encourage you to stay with us over the next 30 minutes because you might have the same question on your mind that we will get to today. So should we just dove right in? All right. First question is from Bill in Autumn County. So, Brian, do you want to take this one? He wants to know, are taxes on my retirement going up?


Speaker 3 [00:01:21] Yes. So that’s an interesting one. We get that a lot. And the answer is we don’t know. We truly don’t know. But there are certain certain examples we can look at to say, well, we don’t know what we know what taxes are today. We don’t know what taxes are going to be in the next three or four or five, ten years. We have no idea. But we know what they are today. So can we make can we implement strategies today to take advantage of the tax rates today? Absolutely. Absolutely. And I’ll give you a quick example. So we had a gentleman that was in not too long ago, actually, he and his wife. And we were looking at he was in his I think his late fifties or so, but we were looking at tax strategies. And that’s one thing they had concern was I know I’m going to pay a lot of taxes when I get into retirement. What does that look like to me? So we did a financial plan and the issue to him was that while he’s in a higher tax bracket now, even though he’s still working, he is amassed a huge amount of money in his 401k, which is great. They’ve done a great job. They both maxed out their four. Okay, so they have this huge four okay balances. What they didn’t anticipate was very tax friendly while they’re working. It’s a huge tax issue when they reach 72 and they’re both about the same age. So they were going to essentially take what they call required minimum distributions, which are required distributions out of your 401. KS when you reach the age 72 or 72 today. And so what we showed them was, yes, you’re at a high tax bracket today, but look what happens when you turn 72. And we don’t know what that rate’s going to be. It could be a lot higher. It could be lower. We don’t know. I doubt this can be lowered. Could be. But more than more than likely, it’s going to be a lot higher. And look at the impact when you’re 72. Look at the amount of money you’re having to take out, you know, when you turn 72. So what are the strategies we put in place for them? Was that when they when they retired, which is going to be in the mid around 65, I think it was a couple of years difference. But anyway, when they retired, they didn’t need to take any money either. For one case we said, but let’s implement a strategy to take money out of your 401. K, because we know we’re going to pay less tax on it than waiting until you’re 72 and potentially paying a lot of our tax on that money. So there are some state tax strategies you can put in place. But don’t misunderstand when you get in, remember, you’re paying taxes. When you take money out of your IRA, there’s no way around it. But there are strategies you can put in place to help mitigate that.


Speaker 2 [00:03:45] It’s actually one of the biggest fallacies that most people have is they think in retirement, I’m not making this much money. I’m not going to pay as much money in taxes. Wrong. You actually, that’s still the number one expense that most retirees have. A lot of people think it’s actually health care costs. It’s not. It’s actually taxes. Tax plan doesn’t go away when you’ve decided to stop working. Unfortunately, this.


Speaker 1 [00:04:06] Is a common misconception and it is.


Speaker 3 [00:04:09] Absolutely.


Speaker 1 [00:04:09] Oh, goodness. Well, that’s very good to know. So thank you, Bill, for calling in with your question this week. And we’re going to move on to the next one. Thanks for your insights, guys. Okay. Jennifer from Georgetown says, I’m wanting to take my Social Security at 62, but I plan on continuing to work. Will my Social Security income be taxed again with the taxes? Yeah.


Speaker 2 [00:04:30] Well, it’s a running theme. Sure. Well, so this is a little bit of a two tiered question. So if you’re looking to take your Social Security at 62 years old, which is when you first become eligible to receive Social Security benefits, but you are going to continue to work. You don’t need to be worried about tax. Well, we’ll get to tax in a minute. You need to worry about the earnings test first. So once you get to about $20,000 an income for every $2 that you make over and above $20,000, your Social Security benefits will decrease by one. So let’s say, for instance, if you make $60,000, well, there’s a $40,000 difference between 20 and 60. So for that $40,000, she’s going to actually lose $20,000 of her Social Security benefit. So she won’t even receive it in the first place to be even to even have to pay taxes on it. Okay. Now the earnings test. Goes away at your full retirement age. So usually right now, for most people that haven’t claimed it yet, it’s usually between 66 and 67 or for 67 years old. So that earnings test goes away and you are eligible to receive your Social Security benefits, whether you’re still working or not, and receive the full amount of your Social Security benefit. Now, taxes. Yes. When you when you look at the double tax, what double taxation means, literally is the Social Security tax. You spend a lifetime doing everything you’re supposed to do. You pay your taxes, you save money, you pay into the system, you pay the Social Security tax. And then what happens is when you receive it, you get taxed on it again. It’s the literal definition of double taxation. So the way that Social Security taxes work is if you are receiving income in any way, shape or form for a married couple, it’s about $44,000 in income. You count as many different things. So if you’re receiving distributions from your retirement accounts, that counts as income. So if you’re reporting income over $44,000 as a married couple filing jointly up to about 85% of your Social Security benefit will be treated as taxable income, and you will have to report it.


Speaker 1 [00:06:35] Okay. Do you want to add to that?


Speaker 3 [00:06:37] That was awesome.


Speaker 1 [00:06:38] All right.


Speaker 3 [00:06:38] Yeah, that was great.


Speaker 1 [00:06:39] We’ll just move on. Thank you for your answer. Okay. Next, we have Edward from East Louisville. Okay. My neighbor told me he does not pay taxes in his I.R.A.. Is that true?


Speaker 3 [00:06:51] All right. So this is a good show. Yeah, I’ll take that one, because this is an interesting one. And, you know, there’s really two aspects of that. Number one, we discovered, right, you’re paying tax on it. There’s no avoiding taxes. We hear that a lot. And, you know, there’s commercials that run on on you know, and he knows I’m talking commercials are run in our area where he says, oh, you know, you can we can avoid the tax bomb. No, you can’t. You’re paying tax on your money when you take your money. It just depends on, you know, what your tax bracket are. We, as we mentioned, are there some tax mitigation strategies you can put in place? Yes. But here’s the bigger issue with that question. He got advice from his neighbor. Right. And we we see this all the time. Seek financial advice from a professional, your neighbors, not a professional. More than likely. Right. Unless you’re my neighbor. But for your neighbor. But for the most part, you got to go seek the advice of a professional. It’s no different than, you know, I use the analogy a lot. You know, my back hurts and you know, you got a pain in your back where you’re not going to go see your dentist and go and say, well, I got a back problem. He may. He’s a doctor. Right. So you would think he would be able to. He can’t. That’s not his specialty. And so you’ve got to make sure you get the right advice from the right person and you’ll go seek the advice of a professional and say, okay, here’s my scenario. I’m going into retirement. I’ve got this, you know, four, okay, how am I going to be taxed? And we can walk you through that?


Speaker 1 [00:08:12] Well, you bring a good point. It makes it a lot more difficult today when we just have access at our fingertips to all sorts of information. You know, we really shouldn’t be relying on Google when it comes to our retirement plans.


Speaker 2 [00:08:24] It’s interesting because you can go to Google or any other search engine out there and type in your question. You’re going to get 20 different answers. So how do you know which answer to choose in? Everyone’s going to have a different opinion on all sorts of different things. And, you know, you can see that on social media as well. Right. But but, yeah, it’s really important to get and if you if you need to get a second opinion, that’s that’s valuable, too. I mean, there’s, you know, there’s there’s wisdom and, you know, getting multiple opinions.


Speaker 1 [00:08:48] And back to the doctor analogy, I mean, I always get a second opinion, so why wouldn’t I with my retirement savings? Absolutely. Absolutely. So we have to take a quick break. We’re going to come back with many more viewer questions. But before we go to break, I know you still have that offer for the first ten callers watching the show today. Eric, do you want to tell them what that is?


Speaker 2 [00:09:07] Yeah, absolutely. So first ten callers, 844 900 5210. Give us a call, schedule an appointment. Come in for a complimentary, comprehensive financial planning session. Bring all your puzzle pieces to us. We’re going to talk about your life insurance. We’re going to talk about your investments. We’re going to talk about trusts, estate planning needs. We’re going to talk about all of these different things. And we’re going to put those puzzle pieces together for you in our office so you have a clear, coherent picture and you can understand truly what your retirement path is going to look like.


Speaker 1 [00:09:38] Folks, if you want to retire with peace of mind, I encourage you to pick up the phone and call today. It’s 844 952 ten. We have to take a very short break, but we’re coming back with more viewer questions. And one of those questions could be yours. So stay tuned.


Speaker 4 [00:09:55] How confident are you in your current financial plan? Do you know with certainty how the recent market volatility will affect your future hopes and dreams? How much are you paying in taxes and how much are you losing to unnecessary high fees? You didn’t work to save this money so that you could spend your time worried in retirement. Now is the time to take charge of your finances so you can feel confident about your future. Call in during the next 30 minutes of today’s show, only to set up an absolutely complimentary, no obligation, full blown financial review that will result in your own customized written plan. This is a $999 value that we’re giving away, complimentary to the first ten people who respond. We’ll start with a full blown analysis of what you already have by running a report to untangle how much you are currently paying in fees, how you’re allocated for risk, and what it’s costing to work with your current advisor. Next will identify your goals. Where do you see yourself in the next five years? Where do you want to go? And who do you hope to go there with? Is your current financial plan set up to get you there without mishap? Let’s design a roadmap to create a financial plan you can follow with confidence. Get the peace that so many people are missing from their retirement. Find out how having a written plan can make a difference to your retirement dreams. Call now to schedule your complimentary, no obligation, full blown Financial Review today.


Speaker 1 [00:11:30] Welcome back to the Money Puzzle. My name is Randy Major. Today I’m chatting with Brian Ramsey and Eric Douglas, and they are taking all of the questions that have rolled in over the past several weeks. We’ve had some amazing shows with such great information and the viewers are so grateful. Everyone’s hungry for information, aren’t they?


Speaker 3 [00:11:51] They are.


Speaker 1 [00:11:52] So we can just go ahead and jump right into the. Yeah, let’s do it. I know the I know the viewers are really interested. Okay. Miz Kane from Floyds Knobs wants to know, is it okay to add my daughter to my checking account?


Speaker 3 [00:12:05] Can we see this one a lot? And the answer is no, but sort of. Kind of. Okay. So any time we hear that, we have to ask why? Why are you wanting to add a child to your checking accounts? And really, two things come up. Number one, they say, well, you know, in case something happens to me, I want to make sure that, you know, my daughter can step in. In this case, the daughter wants the daughter step in to be able to, you know, pay the light bill and keep the lights on and, you know, and pay the bills. Or number two, if I pass away, I want that money that’s in that account to go to my daughter. Right. Or to my other kids. And that’s just not it’s just not a very good idea. And the reason it’s the reason it’s not is because if for some reason and I know this is, you know, the likelihood of this happening is very small. But in the unlikely event that her daughter were to go out and make a mistake and have litigation filed against her, the assets that are in her name, which happens to be her mom’s account checking account, could be at risk for that litigation. So we don’t want to do that. Now, how do we solve it? That’s kind of the bigger question. You solve it through, one, having a power of attorney, financial power of attorney. What that does is accomplish the first goal, which is something happens to me, I want my daughter to be able to continue to pay the bills and keep the lights on, all that good stuff. That’s what a financial power of attorney allows you to do. Okay. You become incapacitated or you’re not in the capacity enough to to make financial decisions. That person can then act as you. So solve that first problem. The second problem is not a problem. I guess a problem. It depends on who you are. But if you pass away, right? So if you pass away, you can add what they call a transfer on death or a payable on death. Depends on what institution you go to, but it’s a provision that you can add to a checking account. And by the way, it can be a single or joint checking account. Makes no difference where essentially you’re adding beneficiaries. What you’re not doing is you’re not adding your child on to the account. You’re simply adding them as a beneficiary. So in the event you pass away, there’s a beneficiary form passes outside of probate. The assets can go directly to the kids. And the other the other thing that’s that’s interesting is when you have when you have your child on your checking account, you have to have a really, really good relationship with that child in order to have that child.


Speaker 1 [00:14:29] Because it depends what age this child is we’re talking about.


Speaker 3 [00:14:32] Well, yeah, because because I used to work at a bank, so I know how this works. If you had your kid to your your checking account, the kid can go into the bank and take money out of the account. And there’s nothing the bank can do. But if you had them as a beneficiary, it doesn’t work that way. Okay.


Speaker 1 [00:14:46] That’s such good information. Thank you for clearing that up. And thank you for Miss Kane for calling in over the last week. We’re going to move on to the next question, and I’ll throw this one to you, Eric. Marsha from Bullitt County wants to know, can you transfer money from can I transfer money from my IRA to my Roth without a tax penalty?


Speaker 2 [00:15:07] Well, let’s maybe define taxes, because some people might think of tax as a penalty in and of itself. But to be clear, there’s no actual penalty for transferring money or converting. In this case, it’s actually called a Roth conversion conversion, converting money from your IRA to your Roth IRA. Now, is it a taxable event? Yes. So you’re taking money from an entirely pretax pot of money, which is your IRA? Most people contribute to a 401. K. They go they roll it over into an IRA when they retire or leave their employer. That’s still pretax money. You’ve not paid a dime worth of taxes on those assets. You put it in pretax, it grows tax deferred. Fantastic. Right. Until it’s time to pay the piper at some point. Unfortunately, that always happens. Someone’s going to pay the piper at some point. So. If you were to do a conversion. And there’s many reasons to do it, but if you were to do a conversion, you would have to pay taxes on 100% of the amount that you convert into your Roth IRA. Because Roth by nature are after tax contributions. So you have to pay the tax upfront. Move it into a Roth IRA. Now it grows tax deferred. Once it’s in a Roth IRA and it comes out entirely tax free when you decide to take a distribution. It’s also passed on as a legacy to your kids or to your beneficiaries as a tax free legacy as well. Hmm.


Speaker 3 [00:16:29] Now I add one other piece. So exactly what he’s explaining is one of the tax mitigation strategies that we use for clients. Mm hmm. Is it. Does it make sense to take money out of your IRA, pay tax on it today so we know what the tax ramification is and put it in an account where we can then take distributions later in life tax free. And I’ll tell you that we don’t do that in a vacuum, because the one thing that we see is a huge issue is financial advisors giving tax advice or giving advice that have tax implications, because we can’t give tax advice only to make that clear, but we give advice that has tax verifications and then they turn around and go to see their CPA, their CPAs, like, what are you doing? Why did you do that? And vice versa, right? Sometimes CPAs will give, Hey, you need to do this, you need do that. And then they come see us and we’re like, Well, what are you even talking about? Right. So the one thing we do that we make it an effort every year is to at the end of the year, we if we’re doing any sort of tax mitigation strategies, we want to make sure to get on the phone with that tax preparer and say, all right, here’s your team. What can we do? How does this going to impact this client from a tax perspective? Does this make sense? Because we still have to get the numbers. We can’t produce those numbers. The CPA has to. And so we have to get the numbers to the clients again for them to make an educated decision. So we make it a point to to work with their outside advisors to say, how does this ultimately affect them?


Speaker 2 [00:17:53] And we’re trying to add any or trying to adapt any tax mitigation strategies within a client’s portfolio. We are typically doing it through a macro lens, so we’re not looking at this individual year. That’s typically what most CPAs and accountants do, right? They’re trying to save you money in this year that they’re doing your taxes. Well, we’re implementing tax mitigation strategies. We’re looking at the best tax solution for you over your retirement over the course of a long, long amount of time.


Speaker 1 [00:18:18] And I feel like a lot of folks don’t know this, that there’s such a difference between, you know, tax preparing and tax planning.


Speaker 2 [00:18:24] Oh, absolutely. Very much.


Speaker 1 [00:18:26] So. Common questions I feel the viewers have that we’re getting to today. So this is just such a wonderful show. We do have to take another commercial break before we come back with more questions. But there is a very special offer for the first ten callers today. Eric, let’s tell them about it.


Speaker 2 [00:18:42] Yeah, absolutely. So give us a call. 844 900 5210. Give us a call, schedule an appointment. Come into our office. We would love to sit down with you and we’ll evaluate all of your different puzzle pieces. So we’re going to talk to you about all the different facets of your entire portfolio, not only necessarily just your portfolio, but your life, what your goals look like, what you want to accomplish. We’re going to talk to you about all of those different things. We’re going to start piecing that puzzle together for you folks.


Speaker 1 [00:19:09] We’re going to be right back. But we want you to now that the phone lines are open. So if you have questions of your own that we can address in a future show, please do give us a call. 844 952 ten. We will be right back. Please stay tuned.


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Speaker 1 [00:20:51] Welcome back to the Money Puzzle. I’m your host, Randi Mazer. Today, I’m talking to Bryan Ramsey and Eric Douglas of Family Wealth Planning Partners. Answering all of your questions that we’ve received over the past several weeks, we’ve had some really wonderful shows, great information, and the audience is just hungry for more. So let’s just jump right in and get some more of these questions. Eric, I’m going to throw this one to you. We have Gary in Louisville. He wants to know why do annuities have a bad reputation? I like mine.


Speaker 2 [00:21:20] Yeah. So this this is a bit of a loaded question. So when you talk about lightning rods in our industry, there is no bigger lightning rod than than the word or the term annuity. So take a step back. When you talk about annuities, they tend to be oversold. Okay. There are a lot of advisors out there. And let’s be very clear and very upfront about why they’re oversold. They pay the highest commission to the people that sell them. To be very clear, that’s not necessarily bad in and of itself. They can be very good products. There are so many different types of annuities. You have variable annuities, fixed indexed annuities, fixed basic fixed annuities. There are all kinds of new ones coming out, you know, rivals. And there there are some really good annuity products out there, but there’s so many to choose from. There’s a large in and we talked about this in previous shows before the financial media, you know, just pushing all these different types of products. And that’s why it becomes so confusing to the average consumer. In a nutshell, though, I think annuities tend to be very much oversold. They can be very good products. And maybe you do have a good one. And that’s fantastic if it fits within your plan. Okay. And that’s the key. We are not annuity salesmen now. We can utilize them when needed. It is a tool in our toolbox. We use it as needed. But the problem is for so many other advisors out there, they typically, you know, what’s the term when all you have is a hammer, everything is a nail. There you go. So it’s that there’s a lot of people out there that tend to specialize only in those types of products. We are going to be far more holistic in the way that we approach the planning process.


Speaker 1 [00:22:59] Now, there might be viewers at home that don’t even know really what an annuity is. Specifically, they may have heard of it, but could you just quickly explain exactly what it is?


Speaker 3 [00:23:07] I’ll take that one. Yeah, sure. So annuity is basically an insurance product. And there’s there’s really multiple types of annuities. And so we heard this term the other day. I kind of liked it. So I hope I’m not stealing, hope it’s not copyrighted. But annuity is sort of the back end phrase of what an annuity is. It’s just the word. The most important piece is what’s in front of it. And so there’s all kinds of different varieties of annuities, and really they’re designed for specific purposes. You just have to know what that specific purpose is. The issue that we have in our business is that and then we and we use as a doctor analogy, okay, because, you know, I like it. I’ve used it a couple of times like.


Speaker 1 [00:23:44] Yeah.


Speaker 3 [00:23:45] So. So again, let’s go back to the doctor. I’ve got a back pain, right? So I go into and this is your typical not typical, but there’s a lot of advisors that are Doctor A. Okay, so you walk in, hey, I’ve got a, I’ve got a back pain and doctor says, well, here’s a prescription and we’re going to do a little bit of, you know, exercise. You’re like, okay, well, what if I told you it was my knee? Oh, it’s the same thing you get. You get the same prescription and you get the same exercise regiment. And pretty much that’s what everybody gets. Everybody gets the same thing. We know clients that go see these guys and they say, well, they all get they get pushed the exact same thing. That’s that’s Dr. A, Dr. B says, well, let’s go through and let’s do the same problem. I’ve got it back problem. Well let’s run some analysis. Let’s just do a CAT scans, do some X-rays, do blood work, and then we’re going to get the results back and we’re going to sit down and talk about putting together, you know, a regimen of maybe some prescriptions, maybe some exercise regiment, but we’re going to talk about it and work through it. That’s really how we approach it. It may be that you don’t need exercise and maybe that you need it. It could be that you need annuity and maybe that you don’t need it. And so that’s how we approach it is it’s got to fit in. It’s a piece of the puzzle. It’s got to fit in the puzzle. If it doesn’t fit, not every single piece fits in every single client’s portfolio. We’re going to say.


Speaker 2 [00:25:02] This is going to add one more thing to your that was going to further your point a little bit, because the very first thing you said was spot on. It’s an insurance product, right? So many people get confused because they think it’s an investment. It’s not an investment. They are not designed to be investment products. It is an insurance product. They’re sold by insurance companies.


Speaker 1 [00:25:19] Great. Well, I’m glad to clear that up.


Speaker 2 [00:25:21] As long as you understand that difference and can clarify between the two, it does have a place in a portfolio for some people and it can be very appropriate. It can be very, very you know, they can be very successful, but not everyone is going to need one.


Speaker 1 [00:25:34] Thank you, guys. We have time for one more question. We have a caller this week, Steve, from Louisville. He wants to know what happens to my parents, Ira, when they pass away and will I have to pay tax on that money?


Speaker 3 [00:25:46] Yes, you will. Again, it goes back to the same question. The tax man is going to get his money. He doesn’t care who pays it. But yet, in our race, the rules change a little bit. Was it last year or so or back in 2020? The rules change slightly. So as a beneficiary child of a parent, you could do what they called a stretch IRA, meaning you could take the distributions over the course of your lifetime. So we would see really IRAs. Gold could be potentially multigenerational. But that’s not the case anymore. So now it really. Speaking of puzzle pieces, that’s one puzzle piece that sort of changed and changed the planning aspect in our world because there’s no more stretch, Ira. So when you pass away as a as a beneficiary, as a child of a parent, it passes along a. 401k. You basically have ten years to take it out. Mm hmm. And so you can take it out all in one lump sum or you can stretch it over ten years. But it really has changed the dynamics because we are seeing larger and larger all in K balances. Get passed down because you know really my parents generation they didn’t have the time to build these huge for one case. So the the transfer is not that big of a deal but now we’re seeing huge balances. You know, if folks in their sixties and seventies, they’re now being transferred down and you could be the beneficiary and be a very high income earner and all of a sudden have this money that now you’re going to have to pay tax on it. So, yeah, you will pay tax on it. There’s no getting around it. There are some tax mitigation strategies, but for the most part, yeah, he’s going to pay tax on it.


Speaker 1 [00:27:15] All right. Well, thank you for that answer. So, Eric, we’re about that at the end of the show. Let’s remind the viewer of the offer.


Speaker 2 [00:27:22] Yeah, once again. So please give us a call. 844 900 5210. Schedule an appointment to come into our office if we need to do it over Zoom, that’s perfectly fine as well. But we would love to chat with you about all of the different puzzle pieces that make up your portfolio. We want to talk to you about your investments, your insurance, and all of these different things that you have concerns about. We’re going to make those puzzle pieces fit together in a nice, clear picture so you can understand what your retirement path looks like.


Speaker 1 [00:27:50] To the viewers at home. Thank you so much for joining us today. Call the number on your screen. 844 952 ten. And please have a beautiful rest of your day. We’ll see.