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Welcome to 2025! In this episode of The Roth Guy, Jude and Marc kick off the new year with an essential financial checklist to help you start the year on the right foot. They discuss strategies to stay proactive, avoid costly mistakes, and make the most of your financial planning opportunities.
With insights on everything from reviewing your investment portfolios to navigating the latest contribution limit updates, they’ll help you stay ahead of the curve.
Happy New Year!
Here’s some of what we discuss in this episode:
0:00 – Intro
1:03 – Recap of last year’s market performance
2:45 – Proactive financial planning for 2025
5:04 – Investment portfolios and tax efficiency
7:41 – New Year contribution limits and savings opportunities
10:10 – Balancing retirement contributions and tax deductions
12:10 – HSAs and their benefits
13:19 – Insurance and estate planning reviews
14:25 – Creating a financial action plan for 2025
Important Tax Numbers 2025 PDF
https://thetaxbomb.com/wp-content/uploads/2025/01/Important-Tax-Numbers-2025.pdf
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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Social Security is the backbone of retirement for millions of Americans, but big changes may be coming. In this episode, we dive into the recently released proposal to raise the full retirement age to 69 and what it means for your benefits, your future, and your financial security.
Here’s some of what we discuss in this episode:
0:00 – Intro
0:52 – The proposed change and potential impacts
4:30 – The potential 40% reduction in benefits
6:32 – Proactive planning and the need for change
12:46 – Talking to a professional who understands Social Security
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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Fehlende Folgen?
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As the end of November approaches, it’s a great time to take a closer look at your financial plans and make any necessary tweaks to prepare for the year ahead. That’s why this week, Jude and Marc are sharing some financial items that you should be thinking about as the year winds down. Whether it’s reviewing your retirement contributions, exploring tax-saving strategies like QCDs, or tax-loss harvesting, let's make sure you're finishing the year on a high note.
Here’s some of what we discuss in this episode:
0:00 – Intro
0:48 – The importance of tax loss harvesting
4:55 – Maximizing retirement contributions
8:23 – Optimizing tax brackets
10:29 – Charitable contributions and QCDs
12:41 – End of year savings and HSAs
16:02 – Bunching deductions
Get the "What Issues Should I Consider Before The End Of The Year?" Guide here:
https://drive.google.com/file/d/1-uGZpXb4KdavKB2JEjolQot5xYIdZ7EM/view?usp=sharing
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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We talk about the ticking tax time bomb a lot on this show regarding the national deficit. It’s a reality we are faced with, and while it sounds scary, there are action steps that you can take to minimize the impact of potential future tax increases on you.
In this episode, Jude and Marc explore how tax efficiency funnels can be utilized to optimize your financial strategy and mitigate the risks associated with these rising taxes. Jude breaks down the three tax funnels- the pre-tax funnel, the post-tax funnel, and the tax-advantaged funnel- and discusses the benefits and drawbacks of each.
With the Tax Cut and Jobs Act set to expire in 2025, the window for taking advantage of current low tax rates may be closing. It’s important to strategize now and prepare for the potential changes ahead.
Here’s some of what we discuss in this episode:
0:00 – Intro
5:06 – The pre-tax funnel
7:05 – The post-tax funnel
8:37 – The tax-advantaged funnel
9:01 – Real-world example
13:24 – Potential expiry of the Tax Cut and Jobs Act
15:17 – Action steps you can take
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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We’re thrilled to be back with former U.S. Comptroller General David Walker for today’s show. With decades of experience serving under both Republican and Democratic administrations, Walker is here to share his expert insights on America's fiscal health.
Last episode, we focused on the U.S. national debt, fiscal responsibility, and the challenges posed by excessive government spending. Today, we’re covering some strategies that you can take to help protect yourself from potential economic challenges. Listen in as we talk about the importance of personal financial responsibility, including being debt-free, diversifying income streams, and planning for the long-term. We also discuss the critical role of leadership in addressing the national debt crisis.
Here’s some of what we discuss in this episode:
0:00 – Intro
0:41 – What David learned on his bus tour
2:28 – What we can do + what David wants to see from government leadership
7:28 – Looking at your finances holistically
10:19 – David’s thoughts on recent Fed rate cuts
17:37 – Wrap up
More about David:
https://dbb.defense.gov/Board-Members/Board-Members-Bio-view/Article/3160065/
America in 2040:
https://americain2040.com/
Get your free copy of David’s new book: America in 2024 (while supplies last)
Text 941-269-2499
David’s Books:
America in 2024: Still A Superpower? A Pathway to Success
https://www.amazon.com/America-2040-Superpower-Pathway-Success/dp/1665500824
Comeback America: Turning the Country Around and Restoring Fiscal Responsibility
https://www.amazon.com/Comeback-America-Turning-Restoring-Responsibility/dp/0812980727
David on X
https://x.com/davidmwalker7
The Tax Bomb
https://thetaxbomb.com/
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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In this episode of The Roth Guy, we’re excited to welcome a very special guest, former U.S. Comptroller General David Walker. With decades of experience serving under both Republican and Democratic administrations, Walker is here to share his expert insights on America's fiscal health.
From the staggering national debt to the hidden tax of inflation, Walker breaks down complex economic issues in a way that's easy to understand and paints a sobering picture of what the future could look like if current trends continue. He warns that without significant changes, the US could face slower economic growth, increased taxation, and even the potential loss of the U.S. dollar as the world's reserve currency.
What can we do in light of this outlook? Join us for part 2, where we’ll explore actionable steps you can take to prepare for whatever lies ahead.
Here’s some of what we discuss in this episode:
0:00 – Intro
2:38 – Current fiscal condition of the US
8:49 – The impact of fiscal imbalance on Americans
14:53 – Future financial challenges + stewardship
More about David:
https://dbb.defense.gov/Board-Members/Board-Members-Bio-view/Article/3160065/
David’s Books:
America in 2024: Still A Superpower? A Pathway to Success
https://www.amazon.com/America-2040-Superpower-Pathway-Success/dp/1665500824
Comeback America: Turning the Country Around and Restoring Fiscal Responsibility
https://www.amazon.com/Comeback-America-Turning-Restoring-Responsibility/dp/0812980727
David on X
https://x.com/davidmwalker7
The Tax Bomb
https://thetaxbomb.com/
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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We've all heard about the national debt and deficit, but how do they actually impact your retirement plans? In this episode, Jude clarifies these often-confused terms and explores the challenges posed by the growing national debt. He also discusses how these factors influence inflation and your savings strategy as you approach retirement.
Tune in as Jude and Marc talk about potential solutions and strategies and share some practical advice for managing your retirement accounts tax efficiently.
Here’s some of what we discuss in this episode:
0:00 – Intro
1:19 – National deficit vs national debt
5:40 – Historical context and current spending
8:47 – Inflation and its impact on retirement
10:45 – Maximizing retirement savings
15:26 – Being savvy with your money
Resources for this episode:
U.S. Debt Clock
https://www.usdebtclock.org/
Should I Contribute To my Roth IRA Vs Traditional IRA Flow Chart
https://drive.google.com/file/d/1nhrQKyai9HKtb3oTYWXZ-xVzHOtHWZMk/view?usp=sharing
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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Join us for this episode of “The Roth Guy” as we cover the fundamentals of Roth IRAs. We'll start with the basics: What exactly is a Roth IRA? Jude breaks down the essential components, including the differences between traditional IRAs and Roth IRAs, and why it's crucial to consider tax diversification in your retirement strategy. He’ll also cover important topics such as contribution limits and eligibility for 2024, as well as the differences between Roth contributions and conversions.
Here’s some of what we discuss in this episode:
0:00 – Intro
0:52 – The basics of Roth IRAs and tax diversification
5:55 – Contribution limits in 2024 + finding balance
10:49 – Roth contributions vs conversions
14:03 – Roth conversions and Medicare premiums
Check out the Tax Efficient Funnels pdf HERE
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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Welcome to this inaugural episode of The Roth Guy with Jude Wilson! We’re so excited to bring you this new show on YouTube and your favorite podcasting platforms. Join us as we take a look into the world of finance, retirement planning, tax planning, and more!
Just like any great superhero movie, your financial journey has its challenges- taxes, inflation, market risks- but with the right guidance, you can become the hero of your own financial story. In this first episode, you'll meet your guide, Jude Wilson, and get a preview of what’s to come in future episodes.
Here’s some of what we discuss in this episode:
0:00 – Intro
1:12 – What to expect from The Roth Guy
3:13 – The impact of tax policies
5:15 – Upcoming financial education
6:33 – Roth conversions
Connect:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
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We’re excited to announce our new podcast launching in the upcoming weeks! Join us as we discuss the impending expiration of the Tax Cuts and Jobs Act, potential future tax increases, and the importance of tax diversification in this episode. We introduce "The Roth Guy" and explore how proactive planning can help you achieve a tax-smart retirement.
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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Psychologists have determined that retirement is one of the most stressful events that some people will experience in life. In this episode, we’ll look at the ways to proactively deal with the stress surrounding the retirement process.
Holmes and Rahe Stress Scale Study
https://www.simplypsychology.org/srrs.html
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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Just like an annual checkup is important for maintaining good health, performing regular financial checkups is an essential part of planning for a healthy and successful retirement. By regularly assessing your budget, goals, and progress, you can make informed decisions to keep your finances on track. Although financial wellness is going to look different for everyone, we’ll share some areas you should be paying attention to in today’s episode.
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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With the Tax Cut and Jobs Act set to expire at the end of 2025 and the national debt skyrocketing, the tax time bomb is ticking. It's more important than ever to prepare for the inevitable tax increases that could significantly impact your financial plans. Join Jude and Marc as they discuss the importance of proactive tax planning and share more about the Ticking Tax Time Bomb webinar coming up at the end of February.
To sign up for the upcoming webinar and take control of your financial future, visit centrusfs.com or call 800-779-4592, and don't forget to check out thetaxbomb.com, for additional valuable resources.
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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This episode might be a bit counterintuitive. We’re going to question the real impact of common financial habits. Are the strategies you consider beneficial actually working in your favor? We explore the pros and cons of practices like ignoring account statements and strict budgeting. Join us for a practical discussion, as we uncover the unexpected effects of everyday money decisions. Are your good money habits holding you back?
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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Join us for a thoughtful episode on end of year financial planning for 2023. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come. Listen in as we discuss essential topics like managing RMDs, exploring tax-saving opportunities, and more. We'll also chat about 2 Centrus guides designed to help you plan for a prosperous new year!
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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This is part two of our discussion with Merrell Bailey, a seasoned estate attorney, CPA, and MBA. In this half of the conversation, she will share estate planning wisdom for singles who don’t plan on getting married. Merrell also highlights the importance of proactively planning for your estate by documenting your assets and stating preferences for inheritances and medical care decisions. Listen in to learn how to secure your estate and plan for a comfortable and stress-free retirement!
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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We're very excited to be back with Merrell Bailey, a seasoned estate attorney, CPA, and MBA. Merrell joined us on the podcast earlier this year, and is here to share more of her estate planning wisdom with us today. Listen in as she debunks the misconception that estate planning is only for the ultra-wealthy and explores some of the unique parts of the process, like planning for your pet's welfare in the event that something happens to you. We also touch on the importance of managing your digital legacy in the age of social media and online assets, offering insights and actionable advice for ensuring your loved ones can access your digital life when you're no longer around.
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this episode, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. This is part 1 of a 2-part series.
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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There are some people who don’t care at all about leaving a financial legacy, but for those who do, it’s important to eliminate some of the common estate planning mistakes. In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers. We also shed light on some misconceptions about transferring real estate and explain the impact of tax implications on your estate. If you want to leave a legacy without regret or legal turmoil, this episode is a great starting point.
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
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In this episode, we delve into the complex and often emotionally charged process of changing financial advisors. We'll discuss the telltale signs that it's time to consider a switch, the questions to ask your current advisor, and what to look for in a new one. Join us as we demystify the transition process and equip you with the knowledge you need to make informed decisions about who is best suited to guide your financial future.
Contact:
Website: https://centrusfs.com/podcast/
Call: 800-779-4592
Financial Planning and Advisory Services are offered through Prosperity Capital Advisors ("PCA") an SEC registered investment adviser with its principal place of business in the State of Ohio. Centrus Financial Strategies and PCA are separate, non-affiliated entities. PCA does not provide tax or legal advice. Insurance and tax services offered through Centrus Financial Strategies are not affiliated with PCA. Information received from this podcast should not be viewed as individual investment advice. Product discussions and illustrations are hypothetical in nature and will vary based on many factors including, but not limited to, age, health, product, insurance carrier and product design. You should consult the insurance carrier website and policy for detailed information. For information pertaining to the registration status of PCA, please contact the firm or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about PCA, including fees and services, send for our disclosure statement as set forth on Form ADV from PCA using the contact information herein. Please read the disclosure statement carefully before you invest or send money.
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