Are you taking advantage of all your Roth opportunities? We break down the differences between the Roth IRA, Roth 401(k), or the Mego Backdoor Roth 401(k). by comparing your choices with another favorite summer treat - ice cream.

We break down the basics, benefits, and ideal life stages for each account type—whether you’re just scooping your first vanilla cone with a Roth IRA, adding some flavor with a Roth 401(k), or going all-out Neapolitan with the Mega Backdoor Roth.

We also share smart tips on tax brackets, income planning, and how to maximize your options for a sweeter financial future. If you’re looking to optimize your retirement savings and want more flexibility, this episode is the perfect treat.

• (00:00) Roth IRA Overview.
• (04:00) Mid-career Roth 401(k) strategy.
• (06:42) 401(k): Traditional vs. Roth Benefits.
• (11:08) Optimizing retirement savings strategies.
• (12:57) Tax strategies for retirement flexibility.
• (18:04) Retirement tax flexibility insights.

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The second quarter of 2025 was anything but dull in the financial world. But despite the turbulence, both US and international stocks finished the first half of the year up over 10%. Over the last 12 months, markets have performed robustly, returning 14-19%.

Bonds have also held their own, with 6% returns over the last year. Investors have endured a roller coaster ride, especially after the dramatic market drop following tariff announcements and the subsequent quick recovery.

• [00:00] More about market volatility and recovery in 2025.
• [03:40] Tariff uncertainty challenges markets.
• [08:08] Gold offers inconsistent long-term real returns, unlike investments that generate cash flow.
• [09:49] The federal funds rate is expected to decrease, leading to lower bank interest rates for consumers.
• [12:56] Stick to your financial plan and ignore distractions to ensure long-term stability.

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Tax season may feel far off, but with sweeping legislative changes just passed, proactive financial planning starts now. In this episode, we’re sharing our accessible, in-depth breakdown of the new Big Beautiful Bill, highlighting ten key tax provisions that every taxpayer should understand.

• [00:00] Summarizing the latest major legislation in 10 key tax provisions.
• [04:59] Be mindful of income limits for a taxpayer deduction.
• [08:05] Consider collating deductions into a single year to maximize tax benefits due to the temporary higher SALT limit.
• [11:44] Starting in 2026, non-itemizers can claim a permanent below-the-line deduction for charitable donations.
• [14:24] Many individual clean energy credits are being repealed.
• [18:16] Certain income isn't subject to federal tax, but deductions vary by filing status.

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📰 See the full show notes here

🌐 Sign up here to receive a detailed pre-retirement checklist to ensure you are positioned to experience your ideal retirement.