The Savvy Investor Podcast

Waiting until RMDs begin could mean missing valuable years to prepare your retirement tax strategy. In this episode, Katherine Groce and Lawrence Kiely explore how required minimum distributions can affect taxes, cash flow, and retirement income. They discuss why RMD planning may be worth considering years in advance, how Roth conversions can fit into the conversation, and wh...

IULs are getting plenty of attention online, but are they really an alternative to a Roth IRA? This episode breaks down indexed universal life insurance and the different roles it can play in retirement planning, from supplemental income and legacy planning to long-term care considerations. We also explore why IULs may not fit every situation, the importance of proper funding...

Is your 401(k) your retirement plan, or is it simply one piece of a much bigger picture? Katherine Groce and Lawrence Kiely explain why retirement planning can extend beyond investment balances to include income needs, taxes, risk, Social Security, legacy goals and the lifestyle you envision after work. They discuss why understanding your spending can become increasingly impo...

Required minimum distributions may look like just another retirement withdrawal, but what happens when they affect more than your account balance? Katherine Groce and Lawrence Kiely discuss how RMDs can interact with taxable income, Medicare premiums, Social Security taxation, and broader retirement goals. They explore why RMD planning is rarely one-size-fits-all, the importa...