Retirement Gray Areas That Matter a Lot
Episode 290
Retirement Gray Areas That Matter a Lot
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Equipping Points:
Financial media loves simple answers: always do this or never do that. But real financial planning doesn’t work that way. Most of the biggest decisions people face in retirement live in the gray. David pulls back the curtain on the sensational advice dominating YouTube and financial media. Instead of chasing rigid rules, he explains why thoughtful coordination across multiple planning areas could potentially produce better outcomes.
Here’s some of what we discuss in this episode:
⏱️ Roth Timing Window: Converting before RMDs increase income
📊 Tax Bracket Planning: Filling lower brackets strategically
🧩 Annuity Purpose: Guarantees vs market exposure
🔍 Annuity Fine Print: Caps, riders, surrender terms
🏠 Mortgage Tradeoffs: Interest rate vs emotional security
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Today's Takeaway:
Some of these episodes were recorded under the branding of KC Financial Advisors, which has since rebranded as CreativeOne Advisors Group. Any references to KC Financial Advisors should now be understood as referring to CreativeOne Advisors Group.
