Wealth Decisions by Brian

Takeaways:The three critical numbers essential for determining retirement readiness include lifestyle spending, reliable income, and safe withdrawal rates.Individuals often underestimate their retirement spending needs, which can lead to financial shortfalls later in life.Calculating your reliable retirement income is crucial to understanding the gap that needs to be filled by investments.A conservative withdrawal rate of three and a half to four percent is generally advisable to avoid depleting retirement funds too quickly.It is imperative to adjust financial strategies based on market conditions and personal circumstances to enhance retirement security.Engaging with a qualified financial advisor can provide clarity and tailored strategies rather than relying on generic projections.

5 wealth decisions that take 5 minutes each—multiply your money faster Transform your financial future with five simple wealth-building decisions you can implement today. In this episode of Wealth Decisions by Brian, discover the exact strategies that separate the wealthy from everyone else—and none of them require complex budgets or constant monitoring. Learn why allocating beats budgeting, how a 3% annual increase can add hundreds of thousands to your retirement, and the asset location strategy most investors completely miss. Plus, find out which “smart” investment move actually destroys wealth (and what to do instead). CHAPTERS: 00:00 Introduction: Transform Your Financial Future 01:15 Decision 1: Allocate, Don't Budget 02:16 Decision 2: Increase Contributions Annually 03:00 Decision 3: Asset Location Strategies 04:30 Decision 4: Avoid Following the Crowd 05:40 Decision 5: Diversify Globally 07:00 Action Plan and Recap In this episode, you’ll discover: • Why budgeting keeps you broke and what the wealthy do instead • The automatic contribution strategy that builds wealth while you sleep • Asset location tactics that can boost returns by 0.5% annually • How chasing top-performing funds actually costs you money • Why American investors miss 60% of global opportunities • Three memorable Wealth Decision Principles for smarter money moves • A step-by-step action plan you can start in the next 10 minutes About Brian: Brian has been a financial advisor for 25 years, helping clients build lasting wealth through smart, simple decisions. The Wealth Decisions podcast cuts through financial noise to deliver actionable strategies you can use today. Subscribe for weekly episodes on building wealth, retirement planning, and making smarter financial decisions. #WealthBuilding #FinancialFreedom #InvestingTips #PersonalFinance #RetirementPlanning #MoneyManagement #PassiveIncome #FinancialLiteracy #InvestSmart #WealthMindset #MoneyTips #PortfolioDiversification #FinancialPlanning

Takeaways:The financial landscape is shifting, and investors must adapt strategies for 2026 and beyond.Investment opportunities in quality dividend stocks are becoming increasingly vital for wealth preservation.A comprehensive understanding of risks is crucial to successful investing in the upcoming market cycles.Building a diversified portfolio with fixed income and international exposure is essential for long-term growth.The impending economic transformations anticipated in 2026 warrant a critical reassessment of investment strategies among investors. The speaker, drawing upon extensive experience in the financial advisory realm, articulates a compelling narrative that underscores the necessity of adapting one’s portfolio to align with the evolving market landscape. Central to this discourse is the recognition that complacency in investment practices can lead to significant financial repercussions as the dynamics of wealth creation shift. A salient theme of the episode is the resurgence of income-generating investments, particularly quality dividend-paying stocks, which are positioned to offer reliable returns during periods of economic uncertainty. The speaker elucidates how these stocks not only provide essential liquidity but also serve as a hedge against inflationary pressures that may arise in the coming years. Additionally, the discussion extends to the strategic importance of international diversification, particularly in regions where assets are presently undervalued, thereby offering a unique opportunity for wealth expansion. To further empower listeners, the speaker delineates a series of actionable strategies designed to enhance portfolio resilience. These strategies encompass the implementation of a diversified investment approach, the establishment of a solid bond foundation, and the identification of high-quality dividend stocks. The episode concludes with a poignant reminder that the journey toward wealth accumulation is not predicated on the pursuit of flawless decisions but rather on the commitment to consistent, informed financial choices that yield compounded benefits over time.

Takeaways:In this episode, I elucidate the significance of monitoring bond market signals to safeguard wealth.We observe that simultaneous increases in government bond yields across Europe indicate systemic financial pressures.It is crucial to recognize that financial dislocations begin quietly and can escalate without immediate notice.Understanding funding costs and their implications on corporate borrowing is essential for prudent investment decisions.The bond market often provides early warnings about market conditions before they become apparent in stock prices.Effective wealth management necessitates vigilance in observing bond yields and adjusting investment strategies accordingly.

Takeaways:A significant majority of Americans, approximately 80%, are committing critical errors in their retirement planning.The Prudential survey highlights that financial readiness is only one aspect of a successful retirement.Emotional and social readiness are often overlooked, yet they are essential for a fulfilling retirement.Individuals must define their retirement number based on personal needs, not arbitrary benchmarks set by others.To ensure a rewarding retirement, one must cultivate a sense of identity beyond their professional achievements.Building and maintaining strong social connections is vital for enhancing life satisfaction during retirement.

Can you retire at 55 with 1 million dollars? Learn the 4-6% flexible withdrawal strategy that challenges Morningstar's conservative 3.7% rule and could help you retire 3-5 years earlier. Discover how successful early retirees use the Flexible 20s Formula to calculate their freedom number and implement guardrail strategies that deliver 7-13% higher ending balances than static withdrawal methods. To schedule a Discovery Zoom, go to: https://www.momentouswealthadvisors.com/contact Get Your Risk Number by taking the FREE RISK ASSESSMENT: https://pro.riskalyze.com/embed/da35a673b96655a2f2b1 Pick up a copy of my book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at: https://www.momentouswealthadvisors.com/book CHAPTERS: 00:00 Introduction: Can You Retire Early? 00:32 Meet Your Advisor: Brian's Background 00:44 Three Key Strategies for Early Retirement 01:46 Flexible Withdrawal Formula Explained 04:04 Guardrails for Safe Withdrawals 05:38 Challenges of Early Retirement 07:30 Age-Based Milestones and Contribution Limits 08:42 Accelerating Your Path to Early Retirement 11:06 Bucket Strategy for Financial Security 12:25 Penalty-Free Access Before 59 and a Half 13:48 Common Mistakes to Avoid 15:17 Action Plan for Early Retirement 15:56 Conclusion and Next Steps KEY TOPICS COVERED: ✅ 401k withdrawal rules for early retirement ✅ Safe withdrawal rate strategies (4-6% vs 3.7%) ✅ How to retire at 55, 57, or 58 with confidence ✅ Rule of 55 penalty-free access strategy ✅ 72(t) SEPP withdrawals explained ✅ Mega Backdoor Roth for accelerated savings ✅ HSA triple-tax advantage for retirement ✅ Healthcare costs before Medicare (ages 55-65) ✅ Dynamic withdrawal strategies with guardrails RESEARCH SOURCES: William Bengen's updated 2024 withdrawal research PGIM 5% sustainable withdrawal study T. Rowe Price dynamic withdrawal analysis Vanguard 2024 401k balance data ABOUT BRIAN: I'm a Fiduciary Financial Advisor with 25+ years of experience helping professionals retire early. As a Certified Health & Life Coach and author of "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life," I specialize in creating personalized retirement strategies that challenge conventional wisdom. DISCLAIMER: This content is for educational purposes only and should not be considered personalized financial advice. Consult with a qualified financial advisor before making investment decisions. #RetirementPlanning #EarlyRetirement #FinancialIndependence #401k #RetirementIncome #SafeWithdrawalRate #FinancialFreedom #RetireEarly #WealthBuilding #RetirementStrategy

Why 97% of Investors Lose Money Picking Stocks (The Data Will Shock You)The average investor underperformed the S&P 500 by 8.48% in 2024—and over 30 years, this gap costs investors $864,138 on a $100,000 investment. If you're picking individual stocks, you're likely making the same costly mistakes.In this episode, I break down the DALBAR study showing why stock picking destroys wealth, and reveal the three pillars of successful investing: discipline, process, and time management. Learn why even professional fund managers only beat the market 27-42% of the time, and discover what Warren Buffett recommends instead.What You'll Learn: ✅ Real investor returns vs. S&P 500 performance (30-year data) ✅ Why 64-67% of individual stocks underperform indexes ✅ The hidden time cost of stock picking (520 hours/year) ✅ How to invest for beginners using proven strategies ✅ Index fund investing vs. active stock pickingCHAPTERS:00:00 The Shocking Underperformance of Average Investors01:18 The Pride Problem in Stock Picking01:59 The Odds Are Against You: Data on Stock Picking03:49 The Three Pillars of Successful Investing05:48 The Real Costs of Stock Picking07:01 What Works Instead: Smarter Investment Options08:06 Focus Your Energy Where It Matters08:35 Conclusion: Choose Wisdom Over PrideWhether you're interested in investing for beginners, stock market strategies, or how to invest wisely, this video reveals why the stock market for beginners starts with understanding what NOT to do.Ready to build a disciplined investment strategy? Schedule a consultation: [Your booking link]📚 Recommended Resources:DALBAR Investor Behavior StudyIndex fund investing guideWarren Buffett's investment advice for everyday investors#InvestingForBeginners #StockMarket #IndexFunds #FinancialPlanning #WealthBuilding #RetirementPlanning #PassiveIncome #StockPicking #InvestmentStrategy #WarrenBuffett

Takeaways: When partners exhibit disparate risk tolerances, it is essential to establish an investment strategy that accommodates both individuals to avoid marital discord. It is a common misconception among couples that a singular investment portfolio will suffice for both parties, yet such an approach often leads to dissatisfaction. Implementing separate investment accounts based on individual risk profiles can significantly enhance both financial success and relational harmony within couples. The concept of risk compatibility is paramount; it transcends mere risk tolerance by fostering a system that respects the differing needs of both partners. A systematic approach to rebalancing investment accounts can create opportunities for financial growth while alleviating emotional stress during market fluctuations. A comprehensive risk capacity assessment is crucial; it allows individuals to understand the extent of risk they can afford to take, thus guiding their investment decisions.

Takeaways: A profound understanding of one's guaranteed income sources significantly impacts retirement withdrawal strategies. The traditional 4% rule may not universally apply; individual circumstances are paramount in retirement planning. Properly accounting for pensions and Social Security creates a more sustainable withdrawal strategy for retirees. Delaying retirement yields substantial benefits, enhancing both portfolio growth and withdrawal flexibility. Emphasizing personal health and family history is crucial for accurate financial planning in retirement. Adapting withdrawal rates based on unique personal factors ensures a more tailored and effective retirement strategy.

Takeaways: The IRS has recently announced changes to federal tax brackets that will take effect in 2026, which may significantly impact individual tax strategies. It is crucial for individuals to comprehend the implications of these new tax brackets on their retirement income and tax liabilities. Making informed decisions within the next thirty days can determine how much of your income you retain in 2026 and future years. The standard deduction for married couples will increase to 32,200, while single filers will see their deduction rise to 16,100, necessitating strategic planning. Roth conversions should be considered as a method to manage taxable income effectively, particularly before required minimum distributions commence at age 73. Individuals should calculate their projected income for 2026, assess their tax brackets, and consider the benefits of Roth conversions to minimize future tax burdens.

Takeaways: As we approach the end of 2025, it is imperative to maximize your 401k contributions to secure financial advantages. We must recognize that the final weeks of the year present critical financial deadlines that are often overlooked by many individuals. Contributing to an HSA provides unparalleled tax advantages that can significantly enhance one's financial strategy for medical expenses. Implementing tax loss harvesting can effectively offset gains and reduce taxable income, a strategy that should not be ignored before year-end. Strategic charitable contributions can not only support causes we care about but also yield significant tax benefits when executed properly. Adjusting tax withholdings is essential to avoid giving the government an interest-free loan, thereby maximizing cash flow throughout the year.

Retire at 58 with $1.2M tax-free: Triple Roth Strategy + asset location secretDiscover the three-part Roth strategy that creates $1.2 million tax-free by age 58, plus the hidden asset location ingredient that adds $200,000 in additional wealth. This episode walks through a complete early retirement roadmap for a 50-year-old with $800K in rollover IRAs wanting to retire in 8 years.Brian reveals how to combine Roth 401(k) contributions, strategic Roth conversions using the 5-year ladder rule, and mandatory Roth catch-up contributions—then supercharges the entire strategy with aggressive asset location that grows Roth accounts at 9% versus 7% in pre-tax accounts.CHAPTERS:00:00 Introduction to Early Retirement Strategy01:02 Understanding Your Current Financial Situation02:14 Maximizing Roth Contributions02:38 Roth Catch-Up Contributions03:10 Strategic Roth Conversions04:32 The Roth Conversion Ladder06:46 Asset Location: The Secret Ingredient10:15 Action Plan for Early Retirement11:56 Conclusion and Final ThoughtsIn This Episode You’ll Learn:• The three-part Triple Roth Strategy: contributions, conversions, and catch-up contributions• How to convert $400,000 from traditional IRA to Roth over 8 years in the 22% tax bracket• The 5-year conversion ladder that creates penalty-free early retirement access before 59½• 2026 Roth catch-up mandate requiring $11,250 in Roth for high earners• Asset location strategy: the secret ingredient that creates $200,000+ in extra wealth• Why aggressive investments belong in Roth accounts earning 9% growth• Why conservative investments belong in pre-tax accounts earning 7% growth• Building $1.2 million in tax-free assets by age 58 through strategic placement• Complete portfolio reallocation framework across account types• How to bridge from age 58 to 59½ using converted Roth funds• The exact asset location allocation for Roth vs pre-tax vs taxable accounts• 10-step action plan with conversion timing and reallocation strategyKey Topics Covered:Triple Roth retirement strategy | Asset location tax optimization | Early retirement at age 58 | Roth conversion ladder 5-year rule | Tax-free wealth building | Aggressive Roth portfolio allocation | Conservative pre-tax allocation | 9% Roth returns vs 7% IRA returns | Roth 401k contributions strategy | Mandatory Roth catch-up 2026 | Traditional IRA to Roth conversion | Pre-tax to Roth reallocation | Growth stocks in Roth accounts | Bonds in traditional IRA | Early retirement bridge strategy | Tax-free compounding | Retirement account optimizationWealth Decision Principles:1. “Pay the known tax now, not the unknown tax later.”2. “Build escape hatches before you need them.”3. “Match your biggest growth with your best wrapper.”Perfect for: Pre-retirees age 50-55, high-income earners with large IRA balances, early retirement planners, investors seeking tax optimization, those in 22-24% tax brackets, people wanting to maximize Roth growth potential.Subscribe for weekly strategies that help you retire earlier with more tax-free wealth.Roth conversion strategy early retirement | Asset location Roth vs traditional | Best investments for Roth IRA | Retire before 59.5 without penalty | 5-year rule Roth conversions | Tax-free retirement income | Aggressive Roth portfolio#TripleRothStrategy #EarlyRetirementPlanning #AssetLocationSecret#RothConversion #RothIRA #RetireAt58 #TaxFreeWealth #FinancialFreedom#RetirementPlanning #WealthBuilding #TaxOptimization#Roth401k#EarlyRetirement

Everything bubble exposed: 5 indicators show margin debt, Buffett metric truth.Is the everything bubble real? Five critical market indicators reveal the truth about stock valuations, margin debt, and whether we’re headed for a 2000-style crash.In this episode of Wealth Decisions by Brian, we analyze the data Wall Street doesn’t want you to see. With 25+ years of financial advisory experience, Brian breaks down margin debt levels (currently 38% vs. bubble threshold of 55%), the Buffett Indicator at 203%, Warren Buffett’s interest rate valuation formula, and why today’s Magnificent Seven profit margins of 25.8% prove we’re NOT in dot-com territory yet.CHAPTERS:00:00 Introduction: Are We in a Bubble?01:08 Understanding Market Bubbles02:18 The Magnificent Seven: Profitability vs. Speculation04:24 Margin Debt: The Speculation Indicator05:49 Warren Buffett's Market Valuation Metric08:32 Market Concentration and the Magnificent Seven10:11 Gold and Real Estate: Bubble or Not?11:44 Bull Market Cycles: Where Are We Now?14:41 Action Plan: Steps to Protect Your Wealth17:00 Conclusion: Evaluating the MarketWhat You’ll Learn in This Episode:• Margin debt analysis: Why 38% is elevated but not dangerous (55% = bubble territory)• The Buffett Indicator explained: 203% sounds scary until you understand interest rates• Warren Buffett’s inverted yield formula for stock valuation (rarely discussed)• Magnificent Seven net profit margins: 25.8% today vs. -5% in 2000• How AI infrastructure spending distorts traditional valuation metrics• Market concentration: Today’s 36% vs. dot-com’s 19% (and why it’s different)• Five critical indicators to track quarterly for bubble detection• Michael Burry’s 80% bet against Nvidia/Palantir—and what he might be missingKey Metrics Covered:- Current margin debt: 38% of market cap (Source: Investors Business Daily)- Buffett Indicator: 203% (Source: [CurrentMarketValuation.com](http://CurrentMarketValuation.com))- 10-year Treasury yield: 4.4% vs. 6.5% in 2000- S&P 500 P/E ratio: 21x vs. inverted yield of 23x- Price-to-sales multiples: 3-7x today vs. 49x in 2000- Magnificent 7 profit margins: 25.8% vs. S&P 500’s 13.4%Key Topics Covered:- Margin debt analysis 2024- Buffett Indicator explained- Stock market valuation metrics- Interest rate impact on valuations- Market bubble indicators- Dot-com bubble comparison- AI megacap fundamentals- Investment leverage risks- Market concentration analysis- Warren Buffett investing strategyData Sources Referenced:- Investors Business Daily (margin debt)- Current Market Valuation (Buffett Indicator)- LSEG, FactSet, SEC filings- JPMorgan, Bloomberg, MarketWatch- [Treasury.gov](http://Treasury.gov) (interest rates)Whether you’re worried about a market crash or trying to understand if margin debt levels signal danger, this episode provides the fundamental analysis framework to separate fear from data—and make informed investment decisions based on five critical metrics, not media hysteria.Subscribe for weekly episodes on stock market analysis, investing fundamentals, and wealth building strategies.#MarginDebt #BuffettIndicator #MarketBubbleAnalysis#StockMarketValuation #Magnificent7Stocks #InterestRates #InvestingFundamentals #MarketIndicators #WarrenBuffett #AIStocks #PortfolioManagement #FinancialEducation #WealthBuilding

Goldman Sachs just released their 10-year investment playbook, and it’s a game-changer. Emerging markets expected to deliver 10.9% returns vs just 6.5% for U.S. stocks. AI is reshaping the global economy, but not the way you think. Learn why diversification matters more than ever and where the smart money is positioning for 2025-2035.In this episode, we break down Goldman’s bold predictions:Global equities: 7.7% annual returns through 2035Emerging markets: 10.9% (HIGHEST projected returns)U.S. stocks: Only 6.5% (LOWEST among major markets)AI’s $4.4 trillion impact on global economyKEY TOPICS COVERED:→ Why U.S. stocks are expected to underperform→ The emerging markets opportunity (China & India focus)→ How AI benefits will spread globally, not just Silicon Valley→ Are we in an AI bubble? Goldman’s take→ 5 actionable portfolio adjustments for 2025TIMESTAMPS:00:00 - Introduction02:15 - The Big Picture: 7.7% Global Returns04:30 - Why U.S. Stocks Will Lag (6.5% Returns)08:45 - The Emerging Markets Opportunity (10.9%)13:20 - AI: The Great Equalizer17:40 - AI Bubble Debate21:15 - Portfolio Strategy: 5 Key Takeaways26:30 - Final Thoughts & Action StepsMENTIONED IN THIS EPISODE:• Goldman Sachs 10-Year Global Outlook• McKinsey AI Economic Impact Report• S&P 500 Valuation Analysis• Emerging Markets Performance DataResources & Links:Https://www.momentouswealthadvisors.comDISCLAIMER: This content is for educational purposes only and does not constitute financial advice. Consult with a qualified financial advisor before making investment decisions.INVESTMENT PROJECTIONS (2025-2035):- Emerging Markets: 10.9% annually- Asia (ex-Japan): 10.3% annually- Japan: 8.2% annually- Europe: 7.1% annually- United States: 6.5% annually- Global Average: 7.7% annuallyIf you found this valuable, please LIKE, SUBSCRIBE, and share with someone who needs to hear this message! Turn on notifications so you never miss our market analysis and wealth-building strategies.#GoldmanSachs #AIInvesting #EmergingMarkets #StockMarket #WealthBuilding #InvestingStrategy #FinancialFreedom #PortfolioManagement #AIStocks #InternationalInvesting #RetirementPlanning #PassiveIncome #MarketForecast #InvestmentTips #FinancialPlanning

At age 45, I thought I’d mastered retirement planning — after 18 years as a financial advisor, I was confident I knew all the accounts inside and out.But then I looked at my own Health Savings Account (HSA) for the first time in years: $8,000 sitting there — and realized I’d been using it completely wrong. I was treating it like a medical spending account.Turns out it’s the most tax-advantaged retirement account in America. Better than my 401(k). Better than my Roth IRA. That discovery at 45 is going to save me $150,000+ in lifetime taxes. Here’s what changed everything. In this video you’ll learn:• Why I got HSAs wrong for years — the mistake I made despite being a pro.• The triple tax advantage of HSAs: tax-deductible going in, tax-free growth, tax-free withdrawal for medical expenses. • Why after age 65 your HSA can behave like a traditional IRA (withdraw for any reason, pay only ordinary income tax).• My exact strategy starting at age 45 — what I implemented immediately (maxing out contributions, never using it for current medical bills, investing aggressively, saving receipts).• A real math breakdown showing how this strategy can turn $82K today into $347K at 65 (and even $1.5M by age 90) compared to the “traditional way.”• My five critical rules for making this work: HDHP eligibility, delaying Medicare Part A, investing the HSA, organizing receipts, and smart withdrawals after 65.• Who this works for — and who should skip it. C Ages 40-55 with at least 10 years to retirement, access to an HDHP, can pay medical bills out-of-pocket. H Over 60 with  less than 5 years to retirement, or can’t afford to pay medical bills out-of-pocket.• A practical action plan you can implement this week: Check your plan, open/review your HSA, set up automatic contributions, invest, set up your receipt-system, pay medical from checking—not HSA.Why this mattersHSAs are often overlooked as retirement vehicles, but they pack a punch. They let you:Contribute pre-tax (or via payroll) and reduce taxable income.  See growth that isn’t taxed.  Withdraw tax-free for medical expenses — and after 65 withdraw for anything (with ordinary income tax) without the 20% penalty.If you shift your mindset — treating the HSA like a “stealth retirement account” instead of just a spending account — you unlock major compounding and tax-savings potential.Action steps for you right nowPay current medical bills from checking, not your HSA — let your HSA grow untouched until you’re ready to treat it like retirement savings.If you’re in your 40s or early 50s — you have a golden window to maximize this strategy. I wish I had known it at 45 — but I’m sharing everything I’m doing with my own money, my own accounts, my own strategy so you don’t waste time or hundreds of thousands in tax savings.I’m Brian — founder of “Wealth Decisions by Brian” — here to help you build wealth, optimize taxes, and create the freedom you deserve.Subscribe to the channel for more insider strategies (tax optimization · retirement planning · wealth building). Hit the bell so you never miss an episode. Drop a comment below: What’s your current HSA balance? Are you using it as a spending account or a retirement account? I read every comment and would love to hear your thoughts.HSA strategy, HSA retirement account, HSA vs 401k, tax-advantaged retirement accounts, HSAs for retirement, how to use HSA, HSA tax savings, high deductible health plan, HSA investment strategy, save...

2026 401k catch-up rule changes mean high earners over $145k must use Roth contributions. New 401k contribution limits reach $24,500 standard, $8,000 catch-up for age 50+, and $11,250 super catch-up for ages 60-63. This SECURE 2.0 Act change affects your retirement tax strategy immediately. Learn the exact steps to maximize your 401k contributions in 2026, avoid costly mistakes with the new Roth requirement, and implement a tax-smart retirement savings plan. Financial advisor Brian breaks down 2026 401k rules, high earner catch-up restrictions, and actionable strategies to optimize your retirement accounts before the deadline. Discover how the $145,000 income threshold impacts your catch-up contributions, whether your employer plan qualifies, and three wealth principles to navigate these 401k changes successfully.#401kChanges2026 #RothCatchUpContributions #RetirementTaxStrategyEPISODE BULLET POINTS:• 2026 401k contribution limit increases to $24,500 (up $1,000 from 2025)• Catch-up contributions for age 50+ rise to $8,000 in 2026• Super catch-up provision: ages 60-63 can contribute $11,250 extra• New Roth requirement for high earners exceeding $145,000 in W-2 wages• SECURE 2.0 Act mandates Roth catch-up contributions for high-income workers• Employer plans must offer Roth option or high earners lose catch-up ability• Tax implications of forced Roth contributions for retirement planning• Action steps to verify your plan's Roth availability before 2026• Three wealth decision principles for navigating 401k rule changes• Complete action plan to maximize retirement contributions under new rulesCHAPTERS:00:00 Introduction to 401k Catch-Up Contributions Changes00:07 Impact of the New Income Threshold01:38 Secure 2.0 Act and Its Implications01:49 Understanding the New Contribution Limits02:41 The Importance of Box Three on Your W203:49 Employer's Role in Roth Contributions05:13 Advantages of Roth Accounts06:37 Five-Step Action Plan for 202607:48 Final Thoughts and Call to ActionWEALTH DECISIONS PLAYLISTS:WEALTH MANAGEMENT:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwapLaG3ZhyhERK7oB7qy4-WEALTH STRATEGIES:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwwr9zEDFde1J_ac11EkQWsFINANCIAL PLANNING: https://www.youtube.com/playlist?list=PLAO9K0wL6xkyavtgSvnOKAFP59pjMSGsbWEALTH DECISIONS on YOU-TUBE:https://to.mysocial.io/s/e2EVRwlOIBrian D Muller(AAMS©), Founder, Wealth AdvisorPodcast DisclaimerThe Wealth Decisions Podcast is provided solely for general information purposes and should not be construed as accounting, legal, tax, or any other professional advice. Visitors are advised not to act upon the information or content found here without first seeking appropriate guidance from a qualified accountant, financial planner, lawyer, or other relevant professional. Any hypothetical performance is just that, and there is no guarantee that you will receive a specific average rate of return in any examples in this podcast.THE BASICS OF RETIREMENT PLANNINGRetirement planning has several steps, with the end goal of having enough money to quit working and live your version of a richer life. My goal is to help people make better wealth decisions along their financial journey so they can retire and stay comfortably retired

Discover the 7 most costly retirement planning mistakes that could derail your financial future. In this comprehensive guide, Brian, a fiduciary financial advisor with 25+ years of experience, breaks down the critical errors many make when planning for retirement.Whether you're focusing on early retirement, wealth management, or building passive income streams, this video provides the financial education you need to avoid these costly pitfalls. Learn how proper financial planning, including strategies like Roth IRA optimization and dividend investing, can secure your retirement success.Don't let these retirement mistakes cost you thousands – start building your path to financial freedom today! Perfect for anyone seeking financial literacy, retirement planning advice, or looking to achieve financial independence through smart investment strategies.Get Your Risk Number by taking the FREE RISK ASSESSMENT: https://pro.riskalyze.com/embed/da35a673b96655a2f2b1📥 FREE DOWNLOAD: Get my 7 Retirement Mistakes Checklist" 👉https://www.momentouswealthadvisors.com/retirement-mistakesPick up a copy of my book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:https://www.momentouswealthadvisors.com/bookCHAPTERS:00:00 Introduction: Avoid Costly Retirement Tax Mistakes00:20 Mistake 1: Delaying IRA Distributions02:22 Mistake 2: Poor Roth Conversion Timing03:51 Mistake 3: Overlooking State Taxes04:49 Mistake 4: The Social Security Tax Trap06:17 Mistake 5: Medicare IRMA Penalties07:12 Mistake 6: Heirs' Tax Situations08:13 Mistake 7: Lack of Tax Diversification09:46 Conclusion: Fixing the Mistakes#RetirementPlanning #FinancialEducation #PersonalFinance #FinancialFreedom #WealthManagement #RetirementMistakes #FinancialPlanning #FinancialAdvisor#FinancialMistakes #retirementincome WEALTH DECISIONS PLAYLISTS:WEALTH MANAGEMENT:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwapLaG3ZhyhERK7oB7qy4-WEALTH STRATEGIES:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwwr9zEDFde1J_ac11EkQWsFINANCIAL PLANNING: https://www.youtube.com/playlist?list=PLAO9K0wL6xkyavtgSvnOKAFP59pjMSGsbWEALTH DECISIONS on YOU-TUBE:https://to.mysocial.io/s/e2EVRwlOIBrian D Muller(AAMS©), Founder, Wealth AdvisorPodcast DisclaimerThe Wealth Decisions Podcast is provided solely for general information purposes and should not be construed as accounting, legal, tax, or any other professional advice. Visitors are advised not to act upon the information or content found here without first seeking appropriate guidance from a qualified accountant, financial planner, lawyer, or other relevant professional. Any hypothetical performance is just that, and there is no guarantee that you will receive a specific average rate of return in any examples in this podcast.THE BASICS OF RETIREMENT PLANNINGRetirement planning has several steps, with the end goal of having enough money to quit working and live your version of a richer life. My goal is to help people make better wealth decisions along their financial journey so they can retire and stay comfortably retired

How to invest an inheritance without losing it all | 5-Step H.E.I.R.S Method you Need to Know!Inherited money? Don’t make these critical inheritance investing mistakes. Financial advisor Brian Muller reveals the HEIRS method—a 5-step framework for investing inherited money wisely and turning a one-time windfall into generational wealth. Learn inheritance investment strategies, portfolio allocation tips, and how to use the Rule of 72 to project your future wealth.Get Your Risk Number by taking the FREE RISK ASSESSMENT: https://pro.riskalyze.com/embed/da35a673b96655a2f2b1📥 FREE DOWNLOAD: Get my H.E.I.R.S Inheritance Framewok Checklist" 👉https://www.momentouswealthadvisors.com/inheritancePick up a copy of my book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:https://www.momentouswealthadvisors.com/bookWhat you’ll learn in this episode:• The HEIRS Method: 5-step inheritance investing framework that protects and grows wealth  • Why 70% of inheritance recipients lose everything within 3 years  • How to calculate the “time exchange value” of inherited money  • The Rule of 72: Project inheritance growth over 10, 20, and 30 years  • Three-bucket investment allocation strategy (Growth, Stability, Access)  • How to take monthly income from inheritance without touching principal  • Real story: Two brothers, same $400K inheritance, completely different outcomes  • The psychological trap that makes inherited money feel “free” to spend  • Risk Number assessment: Find your true investment risk tolerance  • Exactly how much monthly income you can safely withdraw per $250K invested  • The 10% rule for guilt-free inheritance spending  • Complete 30-day action plan for new inheritance recipients3 Wealth Decision Principles:1. Your inheritance is someone else’s life, compressed into one check2. The question isn’t what your inheritance is worth—it’s what it could become3. Discipline isn’t about saying no to what you want—it’s about saying yes to what you want mostCHAPTERS:00:00 Introduction: The Cost of Inheritance00:46 The H.E.I.R.S Framework Overview01:32 Understanding the Psychological Trap04:04 Step 1: Honor the Time Investment06:35 Step 2: Envision the Long-Term Impact08:49 Step 3: Investigate Your Risk Capacity10:56 Step 4: Redirect for Strategic Growth13:46 Step 5: Sustain Through Discipline17:52 Action Plan and ConclusionPerfect for anyone who has recently inherited money, expects to inherit soon, or wants to ensure their own legacy is handled responsibly. Includes actionable inheritance investment strategies from a certified financial advisor with 25 years of experience.Subscribe for weekly wealth-building strategies and financial planning tips#InheritanceInvesting  #FinancialPlanning  #InheritanceMoney  #InvestingStrategy  #WealthManagement #RetirementPlanning  #FinancialAdvisor  #WealthBuilding  #InvestmentTips  #PersonalFinance  #MoneyManagement  #FinancialFreedom  #legacyplanning WEALTH DECISIONS PLAYLISTS:WEALTH MANAGEMENT:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwapLaG3ZhyhERK7oB7qy4-WEALTH STRATEGIES:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwwr9zEDFde1J_ac11EkQWsFINANCIAL PLANNING: https://www.youtube.com/playlist?list=PLAO9K0wL6xkyavtgSvnOKAFP59pjMSGsbWEALTH DECISIONS on YOU-TUBE:https://to.mysocial.io/s/e2EVRwlOIBrian D Muller(AAMS©), Founder, Wealth AdvisorPodcast DisclaimerThe Wealth Decisions Podcast is provided solely for...

Can you retire on $750,000? YES - but only if you make these 5 critical changes. I'm Brian, a fiduciary financial advisor with 25+ years of experience, and I've helped dozens of couples turn $750K into a comfortable 30-year retirement. In this video, I break down the exact 5-step system that adds 10-15 years to your retirement money and saves you over $400,000 in taxes and healthcare costs. 📥 FREE DOWNLOAD: Get my one-page "$750K Retirement Checklist" 👉https://www.momentouswealthadvisors.com/5thingsGet Your Risk Number by taking the free risk assessment: https://pro.riskalyze.com/embed/da35a673b96655a2f2b1Pick up a copy of my book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:https://www.momentouswealthadvisors.com/bookCHAPTERS:00:00 Introduction: The $750,000 Retirement Dilemma00:22 Case Studies: Couple A vs. Couple B01:36 Overview of the Five Key Changes02:39 Change #1: The New Withdrawal Formula05:07 Change #2: The $140,000 Tax Strategy08:59 Change #3: Social Security Timing12:59 Change #4: The Healthcare Cost Shield18:16 Change #5: The Flexibility Framework22:00 Conclusion: Building a Bulletproof Retirement Plan24:54 Final Thoughts and Next Steps💰 THE 5 CHANGES THAT MAKE $750K WORK: ✅ Change #1: Switch from 4% to 3.5% variable withdrawals (adds 7-9 years) ✅ Change #2: Use tax-efficient bucket withdrawals (saves $140,000) ✅ Change #3: Delay Social Security to age 70 (adds $237,000) ✅ Change #4: Build your 3-layer Healthcare Shield (protects $310,000) ✅ Change #5: Implement spending guardrails (adds 13 years to your money) WEALTH DECISIONS PLAYLISTS:WEALTH MANAGEMENT:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwapLaG3ZhyhERK7oB7qy4-WEALTH STRATEGIES:https://www.youtube.com/playlist?list=PLAO9K0wL6xkwwr9zEDFde1J_ac11EkQWsFINANCIAL PLANNING: https://www.youtube.com/playlist?list=PLAO9K0wL6xkyavtgSvnOKAFP59pjMSGsbWEALTH DECISIONS on YOU-TUBE:https://to.mysocial.io/s/e2EVRwlOIBrian D Muller(AAMS©), Founder, Wealth AdvisorPodcast DisclaimerThe Wealth Decisions Podcast is provided solely for general information purposes and should not be construed as accounting, legal, tax, or any other professional advice. Visitors are advised not to act upon the information or content found here without first seeking appropriate guidance from a qualified accountant, financial planner, lawyer, or other relevant professional. Any hypothetical performance is just that, and there is no guarantee that you will receive a specific average rate of return in any examples in this podcast.THE BASICS OF RETIREMENT PLANNINGRetirement planning has several steps, with the end goal of having enough money to quit working and live your version of a richer life. My goal is to help people make better wealth decisions along their financial journey so they can retire and stay comfortably retired

$1.5M LOST WEALTH: Financial advisor’s 7 costly mistakes—exact opportunity cost revealedWhat’s the real cost of financial mistakes? In this brutally honest episode, fiduciary financial advisor Brian calculates the exact opportunity cost of seven money mistakes he made in his 20s and 30s—and the number will shock you: $1,642,332 in lost wealth.Using real numbers and 10% compound growth calculations, Brian reveals what each mistake actually cost him over 25 years. From the $265,000 lost on image cars to the $316,000 lost buying stocks on margin, to the $255,000 lost by not maxing out his 401k early—every mistake comes with hard numbers that will change how you think about spending and investing.This isn’t your typical personal finance advice. This is a complete financial autopsy showing the opportunity cost of lifestyle inflation, credit card debt, chasing hot stocks, expensive toys, and delayed retirement contributions. If you’ve ever wondered “how much does this really cost me long-term?”—this episode answers that question with mathematical precision.In This Episode You’ll Learn:• The exact opportunity cost formula to calculate what purchases really cost you• Why $10,000 in credit card interest becomes $108,347 in lost wealth over 25 years• How buying stocks on margin cost $316,392 in opportunity cost at 10% returns• Why not investing $20,000 at age 25 means losing $216,694 by age 50• The real cost of image-driven car purchases: $265,143 over 25 years• How chasing hot stocks destroyed $324,127 in potential wealth• Why expensive toys costing $65,000 means giving up $156,455 in retirement funds• The devastating cost of not maxing your 401k early: $255,174 lost• Complete breakdown: How seven mistakes add up to $1.6 million in lost wealth• Three Wealth Decision Principles to avoid these costly errors• Five-step action plan to calculate and eliminate your opportunity cost todayPerfect for: Young professionals, high-income earners making lifestyle mistakes, anyone with credit card debt, investors who chase returns, people serious about early retirement and financial independence, parents teaching kids about moneyCHAPTERS:00:00 Introduction: Financial Advice to My Younger Self00:52 My Financial Mistakes and Lessons Learned02:56 Mistake #1: Vacationing on Credit04:54 Mistake #2: Not Investing in Real Estate06:10 Mistake #3: Buying Stocks on Margin08:41 Mistake #4: Chasing Hot Stocks11:02 Mistake #5: Buying Expensive Toys12:25 Mistake #6: Overspending on Housing13:13 Mistake #7: Not Maxing Out 401k Early14:12 Wealth Decision Principles and Action Plan19:02 Conclusion: Learn from My MistakesSubscribe for wealth-building strategies backed by real numbers and 25 years of financial advising experience.#OpportunityCost #FinancialMistakes #CompoundInterest #RetirementPlanning #401kStrategy #WealthBuilding #PersonalFinance #FinancialIndependence #MoneyManagement #InvestingForBeginners #FinancialAdvisor #PassiveIncome #RetirementInvesting