You’re Not Dead Yet

Is a Roth Conversion Right For You?

Chris discusses Roth Conversions. He breaks down what they are, common considerations, unexpected consequences and how investors can help determine if a conversion makes sense for them. 
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Song of The Week: 
https://youtu.be/2bH0rULAHEg?si=BUsveh6PKaNqmee0 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.
Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.
This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Let's Talk About Annuities

This week Chris breaks down the different types of annuities and what investors should consider when determining what investment makes sense for them. 
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https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=4QIZE708gJ4 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
Annuities are sold by prospectus, which contains detailed information about investment objectives and risks, as well as charges and expenses. You are encouraged to read the prospectus carefully before you invest or send money to buy an annuity contract. The prospectus is available from the insurance company or from your financial professional. 
The guarantees of an annuity contract depend on the issuing company’s claims-paying ability. 
Variable annuity subaccounts will fluctuate in value based on market conditions, and may be worth more or less than the original amount invested if the annuity is surrendered.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Is Social Security Going Away?

Chris is joined by fellow Premier Investments & Wealth Management advisor, Elias Randel, to answer questions from listeners on Social Security, Required Minimum Distributions and Hiring a Financial Advisor.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=0C58ttB2-Qg 
https://www.youtube.com/watch?v=6k8cpUkKK4c 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Are You Missing Out?

Everyone would like 'free' money - so why is it that so many Americans are missing out on their 401(k) match? This week Chris dives into the world of employer plans and talks about the advantages of the employer match. 
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=qbGFrrifeEs 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages. 
Those options include: Leave the money in their former employer’s plan, if permitted; Roll over the assets to their new employer’s plan, if one is available and rollovers are permitted; Roll over to an IRA; or Cash out the account value.

The Art of Business ft. April Bell

Chris speaks with April Bell about how business owners can align their heart, head, and gut to make decisions and drive growth in their company.
About April Bell
April Bell, CEO and founder of Made with Empathy, has spent over 20 years helping brands elevate using human insights that spark innovation. As a seasoned qualitative research consultant, coach, and author of The Fire Starter: Igniting Innovation with Empathy, she empowers leaders to use empathy to drive real change. 
When she’s not guiding businesses to greater clarity and growth for purposeful, profitable momentum, she’s testing her empathy skills at home with a teen daughter!
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://youtu.be/b7k0a5hYnSI?si=a4pffJMRFC9g7mC8 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

5 Things You Need To Know Before Retiring

From retirement income and taxes to designing your lifestyle, Chris takes a deep dive into the things you should consider if you plan to retire in the next year
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Songs of The Week: 
https://www.youtube.com/watch?v=E4OzdyxbOuU 
https://www.youtube.com/watch?v=mQIZ-Esbg_c 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Investing During an Election Year

Chris discusses investing in a highly politicized climate, how elections have historically impacted the stock market, and what investors should focus on as we head into the future.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://www.youtube.com/watch?v=sH0Qda32IKM 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

4 Common Investing Illusions

Are illusions having an impact on your investment decisions? Whether it is our outlook on market volatility, investment risk, or timing the market, we are all faced with biases that influence what we do with our money.
Chris breaks downs 4 common investment illusions, how they can impact your financial situation, and the realities investors should be focused on instead. Get started on your journey to financial freedom.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Song of The Week: 
https://youtu.be/a9cyG_yfh1k?si=5jyLrGGVcbkf7Ser 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
 

Is the 4% Extinct?

The 4% rule has been a common rule-of-thumb for retirement income since it's creation in the 90s. But is it still relevant for today's retirees? Chris breaks down how the 4% rule was created, and what retirees should take into account when developing a retirement income strategy.
Follow YNDY: 
https://www.facebook.com/yourenotdeadyetpodcast/ 
Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

3 College Savings Strategies

This week, Chris discusses 3 options to save for your kids' or grandkids' future. Plus an interview about life & money with Chris's 3 children in this month's Kid's Corner. 
Follow YNDY: 
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Disclosures:
Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.
The guests featured in this episode are not affiliated or endorsed by LPL Financial or Premier Investments & Wealth Management.
The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.
To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.
Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.
Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.
There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.
The information discussed in today's episode is not meant to be comprehensive. These programs are complex and include many different income restrictions. Consult with your financial advisor and tax professional for advice appropriate to your individual situation.
Prior to investing in a 529 Plan investors should consider whether the investor’s or designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state’s qualified tuition program.
Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.