by Gregg Gonzalez
Finally, a retirement podcast in a language YOU can understand. Your host, Gregg Gonzalez, CFP® is a Dave Ramsey Smartvestor Pro with the heart of a teacher. Listen as Gregg shares financial & retirement tips that are sure to keep you tuned in every episode. Check out podcast website http://RetirementMadeEasyPodcast.com for FREE resources.
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🇺🇲
Publishing Since
7/1/2020
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April 20, 2025
<p dir="ltr">You may believe your retirement is all set, with savings secured and timelines mapped out, but then the questions start flooding in, shaking that sense of certainty. This episode reveals the questions people start asking as retirement gets closer, from Roth conversions and Social Security to how inherited money works..</p> <p dir="ltr">Gregg walks through questions from listeners and clients that reveal the lesser-known stuff, like why turning 73 or 75 matters way more than you’d expect, what changes if you’re still working, or how one checkbox on a beneficiary form can shift who ends up with your money. There’s also a closer look at long-term care insurance and why the math on it surprises most people.</p> <p dir="ltr">This episode will make you stop and rethink your assumptions so that it doesn’t cost you dearly in the future.</p> <h2 dir="ltr">You will want to hear this episode if you are interested in...</h2> <ul> <li dir="ltr" role="presentation">(0:00) The real retirement questions you should ask sooner rather than later.</li> <li dir="ltr" role="presentation">(03:45) Listener question #1 - Roth conversions and the five-year rule.</li> <li dir="ltr" role="presentation">(05:04) Listener question #2 - Roth IRA vs. Roth 401(k) contribution limits.</li> <li dir="ltr" role="presentation">(07:44) Listener question #3 - Beneficiary designations: pro rata vs. per stirpes.</li> <li dir="ltr" role="presentation">(10:38) Listener question #4 - Social Security growth after full retirement age.</li> <li dir="ltr" role="presentation">(14:37) Listener question #5 - What if Social Security income becomes tax-free?</li> <li dir="ltr" role="presentation">(14:41) Listener question #6 - Required minimum distributions and age updates.</li> <li dir="ltr" role="presentation">(19:28) Listener question #7 - Why long-term care insurance costs as much as it does.</li> <li dir="ltr" role="presentation">(24:18) Listener question #8 - When retirement income and market dips collide.</li> </ul> <h2 dir="ltr">Resources & People Mentioned</h2> <ul> <li dir="ltr" role="presentation"><a href= "https://retirementmadeeasypodcast.com/">3 Steps to Retirement Planning</a></li> <li dir="ltr" role="presentation">Ed Slott - America’s IRA Experts - <a href="https://irahelp.com/">https://irahelp.com/</a></li> </ul> <h2 dir="ltr">Connect With Gregg Gonzalez</h2> <ul> <li dir="ltr" role="presentation">Email at: <a href= "mailto:[email protected]">[email protected]</a></li> <li dir="ltr" role="presentation">Podcast: <a href= "https://retirementmadeeasypodcast.com/">https://RetirementMadeEasyPodcast.com</a></li> <li dir="ltr" role="presentation">Website: <a href= "https://stlouisfinancialadvisor.com">https://StLouisFinancialAdvisor.com</a></li> <li dir="ltr" role="presentation">Follow Gregg <a href= "https://www.linkedin.com/in/gregggonzalez/">on LinkedIn</a></li> <li dir="ltr" role="presentation">Follow Gregg <a href= "https://www.facebook.com/STLRetirementAdvisors/">on Facebook</a></li> <li dir="ltr" role="presentation">Follow Gregg <a href= "https://www.youtube.com/channel/UC-HvgBM6-vV17X_9EzzBOpg?view_as=subscriber"> on YouTube</a></li> </ul> <p dir="ltr"> </p> <p dir="ltr">Subscribe to Retirement Made Easy<br /> On <a href= "https://podcasts.apple.com/us/podcast/retirement-made-easy/id1521858151"> Apple Podcasts</a>, <a href= "https://open.spotify.com/show/2ayGvo6IoD1VeEMGKm0kr5?si=XCK7f-2pT-u-AE8EJ5wQ8A"> Spotify</a>, <a href= "https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy8xZmQ1NmQ4NC9wb2RjYXN0L3Jzcw=="> Google Podcasts</a></p> <p> </p>
April 1, 2025
<p>Retirees usually think the tax decisions are done once they stop working. But the truth is, many are sitting on large pre-tax balances that can quietly lead to bigger tax bills later—especially when required minimum distributions kick in or a spouse passes away. It's not just about saving money, it's about how that money is taxed when you actually need to use it.</p> <p>Roth conversions offer a way to shift those tax liabilities earlier, on your terms. I explain when that tradeoff makes sense and when it doesn’t, using clear, real-world examples. You’ll hear how a couple with zero current tax liability converted money without paying a dime, and why converting in a year with lower income or a temporarily down market might open the door to big savings. I’ll also break down why legacy plans, filing status changes, and Social Security taxation are key pieces of the puzzle.</p> <h2>You will want to hear this episode if you are interested in...</h2> <ul> <li>(0:00) The ins & outs of Roth conversions</li> <li>(1:55) The three tax buckets that shape retirement</li> <li>(6:32) When conversions are a no-brainer (and when they’re not)</li> <li>(9:54) How your tax bracket—and filing status—change the math</li> <li>(17:05) Roths as a better inheritance for your kids</li> <li>(24:57) Clearing up common Roth misconceptions</li> </ul> <h2>Resources & People Mentioned</h2> <ul> <li><a href="https://retirementmadeeasypodcast.com/" target= "_blank" rel="noopener">3 Steps to Retirement Planning</a></li> </ul> <h2>Connect With Gregg Gonzalez</h2> <ul> <li>Email at: <a href="mailto:[email protected]" target= "_blank" rel="noopener">[email protected]</a></li> <li>Podcast: <a href="https://retirementmadeeasypodcast.com/" target="_blank" rel= "noopener">https://RetirementMadeEasyPodcast.com</a></li> <li>Website: <a href="https://stlouisfinancialadvisor.com" target="_blank" rel= "noopener">https://StLouisFinancialAdvisor.com</a></li> <li>Follow Gregg <a href= "https://www.linkedin.com/in/gregggonzalez/" target="_blank" rel= "noopener">on LinkedIn</a></li> <li>Follow Gregg <a href= "https://www.facebook.com/STLRetirementAdvisors/" target="_blank" rel="noopener">on Facebook</a></li> <li>Follow Gregg <a href= "https://www.youtube.com/channel/UC-HvgBM6-vV17X_9EzzBOpg?view_as=subscriber" target="_blank" rel="noopener">on YouTube</a></li> </ul> <p><br /> <br /> <strong>Subscribe to Retirement Made Easy</strong><strong><br /></strong>On <a href= "https://podcasts.apple.com/us/podcast/retirement-made-easy/id1521858151" target="_blank" rel="noopener">Apple Podcasts</a>, <a href= "https://open.spotify.com/show/2ayGvo6IoD1VeEMGKm0kr5?si=XCK7f-2pT-u-AE8EJ5wQ8A" target="_blank" rel="noopener">Spotify</a>, <a href= "https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy8xZmQ1NmQ4NC9wb2RjYXN0L3Jzcw==" target="_blank" rel="noopener">Google Podcasts</a></p>
March 16, 2025
<p>Most people don’t think about market swings until their retirement accounts take a hit. If your 401(k) balance is dropping or you’re feeling uneasy, you’re not alone. Recent shifts, fueled by tariff changes and global uncertainty, have left many wondering what to do next. But you don’t have to ride this out blindly.</p> <p>We break down why this is happening, how it impacts your savings, and what you can do to stay on track. Some investors take on more risk than they realize, and waiting too long to adjust can cost them. Knowing how to match your investments with your comfort level can make all the difference.</p> <p>By the end, you’ll have a clearer picture of what’s happening, how past downturns compare, and ways to protect your retirement without panic moves. Because the best way forward is always preparation—not fear.</p> <h2>You will want to hear this episode if you are interested in...</h2> <ul> <li>(0:00) Why retirement savings feel unstable</li> <li>(6:40) Listeners’ concerns about retirement savings</li> <li>(9:30) The risk of being too aggressive with investments</li> <li>(11:40) The danger of over-concentration in a single stock</li> <li>(13:30) Social Security misunderstandings and key takeaways</li> </ul> <h2>Resources & People Mentioned</h2> <ul> <li><a href="https://retirementmadeeasypodcast.com/" target= "_blank" rel="noopener">3 Steps to Retirement Planning</a></li> <li><a href="https://finance.yahoo.com/" target="_blank" rel= "noopener">Visit Yahoo Finance</a> to explore past market trends</li> </ul> <h2>Connect With Gregg Gonzalez</h2> <ul> <li>Email at: <a href="mailto:[email protected]" target= "_blank" rel="noopener">[email protected]</a></li> <li>Podcast: <a href="https://retirementmadeeasypodcast.com/" target="_blank" rel= "noopener">https://RetirementMadeEasyPodcast.com</a></li> <li>Website: <a href="https://stlouisfinancialadvisor.com" target="_blank" rel= "noopener">https://StLouisFinancialAdvisor.com</a></li> <li>Follow Gregg <a href= "https://www.linkedin.com/in/gregggonzalez/" target="_blank" rel= "noopener">on LinkedIn</a></li> <li>Follow Gregg <a href= "https://www.facebook.com/STLRetirementAdvisors/" target="_blank" rel="noopener">on Facebook</a></li> <li>Follow Gregg <a href= "https://www.youtube.com/channel/UC-HvgBM6-vV17X_9EzzBOpg?view_as=subscriber" target="_blank" rel="noopener">on YouTube</a></li> </ul> <p><br /> <br /> <strong>Subscribe to Retirement Made Easy</strong><strong><br /></strong>On <a href= "https://podcasts.apple.com/us/podcast/retirement-made-easy/id1521858151" target="_blank" rel="noopener">Apple Podcasts</a>, <a href= "https://open.spotify.com/show/2ayGvo6IoD1VeEMGKm0kr5?si=XCK7f-2pT-u-AE8EJ5wQ8A" target="_blank" rel="noopener">Spotify</a>, <a href= "https://podcasts.google.com/feed/aHR0cHM6Ly9hbmNob3IuZm0vcy8xZmQ1NmQ4NC9wb2RjYXN0L3Jzcw==" target="_blank" rel="noopener">Google Podcasts</a></p>
Andy Panko
Devin Carroll, CFP® & John Ross, JD
Jason Parker
Benjamin Brandt CFP®, RICP®
Casey Weade
James Conole, CFP®
Jim Saulnier, CFP® & Chris Stein, CFP®
Roger Whitney, CFP®, CIMA®, RMA, CPWA®
Taylor Schulte, CFP®
Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors
Ari Taublieb, CFP®, MBA
Wes Moss
The Great Retirement Debate with Ed Slott & Jeffrey Levine
Steve Chen
Rob Berger
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