April 29, 2026 • 38 mins
See omnystudio.com/listener for privacy information.
Listen
Watch
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
that is living it up when you retire by taxing
your hard earned money. Welcome to the Maggie Tax and
Financial Show with Robert and Chris Maggie of Maggie Tax
and Wealth Advisors. With over four decades of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement next day from Uncle Sam. Call them at
eight three three Maggie Tax or online at Maggie Tax
dot com. And now your host for the Maggie Tax
and Financial Show, Robert and Chris Maggie.
Speaker 2 (00:41):
Welcome to the Maggie Tax and Wealth Advisor Show, the
place where retirees and families come to turn confusion into
clarity and planning into confidence. I'm here with my son
Chris Maggie, and today we have a lot to talk
of it because every week we break down the strategies
that truly matter, the ones Wall Street never seems to
talk about. And today we're diving into something we call rothology.
(01:01):
So Chris, let's talk about it and see if we
can help some of the people out there.
Speaker 3 (01:05):
Absolutely. Well, welcome everyone, I'm Chris Maggane. Thank you so
much for tuning into the show. In each and every week.
We're here to help you. Why because we see so
much when we meet with clients. They come in and
they are confused, they're isolated, they don't have clarity, but
we provide the opposite. We provide the clarity, The confusion
settles down into more of understanding, and now they can
(01:27):
have an account where they have confidence moving forward. So
what is routhology, Well, we specialize in wroth conversions, and
rathology is the art and science of doing wroth conversions
the right way. Because a wroth conversion isn't just a
tax move. It's a timing move, it's a bracket move,
it's a legacy move. It's one of the most powerful
(01:47):
tools available when it's done correctly, and one of the
most expensive mistakes when it's not.
Speaker 4 (01:53):
So.
Speaker 3 (01:53):
Throughout today's show, pick up the phone, schedule time to
meet with us Maggie Tax dot Com eight three to
three Maggie Tax Right that down, eight three to three
Magi Tax Schedule A time to meet with us, because
if you're interested in a wroth conversion, stop what you're
doing right now, listen up, because we have a lot
to talk about, and don't forget.
Speaker 2 (02:10):
Every Sunday at ten thirty, tune into the Magi Tax
and Advise our show on ABC TV at ten thirty
and you'll learn a lot more on that as well.
So we have a lot to talk about. But rothology
is only one piece of a complete plan, and that's
what we talk about, complete planning on this show. We
also tackle investment planning, income strategy, and what really happens
(02:30):
when a loved one passes away and assets need to
be transferred the right way without delays, without confusion, and
without family stress. And Chris, that's a big concern of
a lot of people that call in every week because
we talk about so much. But you have to come
in and sit down with us and have a meeting
and go over your concerns a three to three Magi tas.
Speaker 3 (02:49):
And you deserve to meet with somebody to get your
questions answered. My gosh, I mean, last week, we know
it so many people who just left with clarity and
smile on their face and they said, now I know
what I have and what I can do because rathology
is only one piece of a complete plan. You know,
we talk about many different components. But here's the truth.
Retirement isn't just about having accounts. It's about having a plan,
(03:12):
a coordinated, documented, tax smart plan that covers everything. It's
from your portfolio to your income, from your taxes to
your legacy, and from the first year of retirement to
the last dollar of your family inherit inherits. That's why
it's so important to meet with somebody and a MAGI
Tax advisory. That's what we do, that's why we're here.
That's what this show is all about. This is the
MAGI Tax and Wealth Advisors Show, and your complete financial
(03:35):
education starts right now.
Speaker 2 (03:36):
And here's the thing. Many of you out there have
questions about you hear this on the radio, you watch
on TV. About Wroth conversions. It's probably the most confusing
topic that you need to discuss with a qualified advisor.
We know about Wroth conversions. We can show you how
it works, we can show you when to do it,
and we could show you the right way to do it.
So the bottom line is control your taxes and don't
(03:57):
let the irs decide for you. Iras that many of
you have out there in four to one k is
are fully taxable later in life, often when income is
higher from social Security rmds and investment growth. Rothology is
about converting strategically. That's a keyword that we use when
you choose to do it, so you lock in known
tax rates today instead of gambling and future increases. In Chris,
(04:21):
we do mock tax returns because it's the only way,
the only safe way to show a lot of people
out there what the answers to their questions are.
Speaker 4 (04:28):
Well, that's it.
Speaker 3 (04:28):
You know, when do you want to know how much
tax is going to pay? Well, you want to know
right now, not just in tax season like February, March
and April. You want to know now, and that's what
we do. So a MAGI tax advisor, HINT and wealth
Advisors we help you on the tax side, the investment side,
the income planning side, the estate planning side, and legacy planning.
So not only on rothology you can control your taxes,
(04:49):
but eliminates the required minimum distributions. You know wroth iirays
have know what they call required minimum distributions and a
lot of people out there don't know what that RM
and D is. Well, RMD is called the required minimum distribution.
If you have a four to one K or an
IRA or a sep IRA or a TSP, if you're
a federal employee at age seventy three or seventy five,
(05:09):
depending on when you're born, you have to take the
required minimum. You have to take a distribution from that account. Well,
with rothology and with roth conversions, you don't have to
take a ROTH IRA a distribution, so which means that
there's no forced withdrawals, no force tax bills, and no
disruption to your income plan. Rothology helps retirees keep more control,
(05:31):
more flexibility, and more of their money.
Speaker 2 (05:34):
And think about this, all of you out there that
have an IRA four to one K, we were all
taught to save on a tax deferred basis, meaning take
money out of your paycheck and have a tax deferred
account with an IRA four to one K. But you
deferred the taxes years ago. And think about I asked
a client, not a client, but I asked people at
a seminar I did last week. Think about how much
(05:54):
you deferred and how much tax you actually saved, and
then now it's your seven twenty three and you have
to take out to rm d's because we run a
report called the retirement Tax Bill and kind of figure
out which was higher because you're gonna pay more taxes
when you start taking out to R and ds. You
know why, because you saved a lot. If you've saved
a million dollars in an IRA, Chris, does that client
(06:16):
have a million dollars in the IRA?
Speaker 3 (06:18):
Not at all, because guess what a portion of that
is Uncle Sam's and portions yours. But that's the big
question we see moving forward is what's that question mark
tax rate going to be? How much is really yours?
So right now it's time to understand and that's why
I pick up the phone, schedule time to meet with us.
Let's figure out what your tax bill is in retirement.
And also let's talk about rothology.
Speaker 2 (06:40):
And think about this. When a loved one INHROD say
roth IRA, every single dollar can come out income tax free.
And Chris, what's the question that you ask everybody when
they come in when they have an IRA? What what
when do you want to pay? And who's going to
pay it?
Speaker 1 (06:54):
Right?
Speaker 3 (06:54):
When is a tax going to be paid? And many
people look at me confused, and they say, what do
you mean by that? Well, if it's not you, it's
going to be your spouse, and if it's not your spouse,
it's going to be the kids. And then guess what,
who's going to pay the big tax bill? So, if
you have an IRA form o K, when is a
tax going to be paid? Would you want a plan?
That's what we call a Rothology plan. So let's put
(07:15):
that together for you because we specialize in wroth conversions.
Pick up the phone, schedule time to meet with us
eight three three Magie tax. That's eight three to three
Magie tax. And Dad, you meant something that that's really important.
Leave tax free money to your family. Do you want
a taxable account or tax free? Well, when a loved
one inherits a roth IRA, every dollar can come out
(07:36):
income tax free, which is a powerful legacy tool, and
that could be for your spouse, for your kids. So
Rothology ensures the conversion is done the right way, in
the right brackets at the right time, so families keep
more of what they earn.
Speaker 4 (07:50):
And you can too.
Speaker 3 (07:51):
Just pick up the phone, schedule time to meet with
us eight three to three Maggie tax.
Speaker 2 (07:55):
You know, and we're in tax time right now, tax
preparation and most of you seeing your tax prepare it now.
But ask that person, whether it be a male or female,
how do I say them on taxes? And I have
this IRA, So what is the tax bill I'm going
to pay? And see what they say because I guarantee
it they're not going to answer it the way we do.
Because go to my website, Maggie tax dot com. I
(08:17):
encourage all of you, every single one of you, right now,
go to Maggie tax dot com and on the top
right click on the retirement tax bill and in thirty seconds,
if you're honest and put the right numbers in, you
are going to see what your tax bill is going
to be. Not only what the tax bill is going
to be, but you're also going to see when you
turn that age of seventy three, how much required minimum
distribution you're going to take? And Chris, when people take
(08:39):
out the required minimum distribution, where does it go?
Speaker 3 (08:43):
Usually people invest it, reinvest it, which they cause more
tax for them to pay. And guess what, they just
keep paying more tax and it goes on your tax return,
right yep, And you have to pay more tax cost
on social Security or other investments.
Speaker 2 (08:55):
Oh okay, I didn't know that, did you? But I'm
joking with that, and it's not funny. The point is
that when you meet with the tax qualified advisor like
we are, and we do a rothology report, I guarantee
you that you're gonna sit there and go, you know what,
I'm so glad I came in because we've had so
many millionaire clients and not so many millionaire clients come
in and say, I didn't know that. My advisor doesn't
talk about that. They're not going to talk about that
(09:17):
because they're not tax professionals.
Speaker 4 (09:19):
And that's it.
Speaker 3 (09:20):
So you can leave tax free money to your family.
You can reduce the tax bomb on social Security. Converting
now can prevent future income pushing on Social Security tax
And guess what you can protect yourself from future tax increases.
What if you were able to live in an environment
that you're a tax free you don't have to worry
about paying a diamond taxes? Who cares if the government
(09:41):
raises the tax brackets or the rates or whatever, you
don't have to be subject to it.
Speaker 4 (09:45):
How cool would that be?
Speaker 3 (09:46):
And also, what if you could lower future Medicare premiums
like irma irma.
Speaker 4 (09:52):
What if you had full control over that? Would you
want to know? These things we can do.
Speaker 2 (09:56):
And that's the power power of the routhology doing rough
convergence though right way, at the right time, for the
right reasons. These are not guesses, folks. These are not
generic rules of thumb. These are strategies that can save
families tens of thousands of dollars in unnecessary taxes and
create a tax free income for life. But here's the key.
None of this happens automatically. The IRS isn't going to
(10:18):
call you and remind you to convert at the perfect time.
Your brokerage from isn't going to run tax bracket analysis
for you. This is planning that must be done intentionally
and coordinated across your taxes, investments, income and legacy. Let's
make sure that your retirement dollars go to your family,
not to unnecessary taxes. The call is free, the appointment
(10:38):
is free, but the impact would the rest of your life.
This is Maggie Tax and Wealth Advisors where complete planning begins.
Speaker 1 (10:49):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tax free retirement. Call eight three three
Magie Tax or visit Maggie Tax dot com. Now your
(11:11):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 3 (11:15):
All right, welcome back to the Maggie Tax and Wealth
Advisors Show. In the first segment, we talked about rothology
doing your tax planning the right way. Now is the
time the shift gears into something just as important, maybe
it's even more important. We're talking about income planning. But
before we do that, visit our website at Maggie tax
dot com. Pick up the phone, schedule time to meet
with us eight three three Maggie Tax. We do complete planning,
(11:38):
income planning, tax planning, investment planning, estate planning, legacy planning,
solid security, maximization planning, medicare planning.
Speaker 4 (11:46):
Do you have questions about any of these topics?
Speaker 3 (11:48):
Absolutely, we'll pick up the phone, schedule a time to
meet with us eight three to three Maggie Tax.
Speaker 2 (11:53):
And let's be honest, investment planning today is not what
it used to be ten years ago. It's changed. The
markets move faster, the risks are different, the tools are different,
and the old set it and forget approach that doesn't
work anymore because you have to sit down, answer your
questions that people have and you should be able to
get all the answers that you want. And the number
one mistake that we see retires make is this they
(12:16):
think owning investments is the same as having an investment plan,
and that's not true. It's not Chris right.
Speaker 4 (12:22):
Absolutely.
Speaker 3 (12:23):
You know, we do analyze a lot of investment accounts
out there, and we have a great team that fill
of CPAs and cfps, financial planners and analysis that review
everything on a regular basis, and it's amazing. What we
see is that many people just have piles of money.
They just have investment accounts and they're buying the stock
here and they're sitting on it and they're not doing
(12:44):
any investment planning. And that's why we're reaching out to
everyone today because do you have an investment plan? And
if you don't, then you need to get one. And
as we talked about here, the number one mistake we
see retirees make is that they think owning investments is
the same as just having an investment plan is not.
Anyone can buy a fund, anyone can click a button,
(13:05):
but very few people have an actual strategy, a blueprint
that aligns their risk, their income needs, their tax exposure,
market cycles, and long term goals all in one. And
that's why when you come meet with us Maggie Tax
Advisory and Wealth Advisors, we can help you put together
an investment plan. So in this segment we're cutting through
(13:26):
the noise. We want to talk about what real investment
planning looks like, how to protect your money, how to
grow it with a purpose and stay ahead of the
surprises that take so many families off course. And Dad,
let's talk about that. How many families do we see
that have retired that they think they have a plan,
but guess what their investment plans running off course?
Speaker 2 (13:48):
Well that's because they were taught, like I said before,
the old fashioned way, and they never were taught to
look into a full, complete plan like you talked about
investment planning, income planning, social security planning. They just talked
about a fund or a stock and that's not complete planning.
So if you've ever wanted and I invested the right
way for where I am right now, You're in the
(14:09):
right place. But let's get into it because what you
have to do because you mentioned it, how many people
do you see that when you look at their portfolio
and you ask them, do you know what stock you have?
Do you know what mutual fund you have? Do you
know what risk you have? And what's the common answer
we get?
Speaker 3 (14:23):
I don't know. I think my advisor's taken care of it.
And then when we take off the hood, guess what
we see. There's no active management. They've had the account
positions for the same positions for years, you know, every
time they meet with their advisor. Maybe if they do
then they change it. But guess what, that's not active planning.
So the big then that we see is risk alignment.
What's risk alignment? Well, are you invested for the stage
(14:46):
of your life you're in or are you the one
who've already passed it?
Speaker 2 (14:50):
You know?
Speaker 3 (14:51):
And then that's the question that we have. And most
people's portfolios are built for accumulation, not preservation or income,
and the risk they took in their forties and fifties
can be devastating in their sixties and seventies. So that's
why investment planning starts with matching your risk to your goals,
not to the market's mood. And think about this. How
many people come in and we ask them to do
(15:11):
a what color of Money report? We ask them to
do the analysis to figure out what type of risk
they want and how easy is that to fill out?
Speaker 2 (15:20):
It's easy And when we do it, it's simple and
they sit back and they go, boy, that's the easiest way.
Now I understand what my risk is because you do
these portfolios comparisons all the time, and most of the
time they're in more risk than they thought they were.
Speaker 3 (15:34):
So let me explain here. Think of it this way, ABC,
D and E. If you're an A investor, well you're
more conservative. If you're an E investor, you're aggressive. But
if you're a C, you're basically in the middle. So
many people come in and we analyze their accounts and
they're somewhere invested in a D portfolio, which is a
moderate growth. But then when we do the questions and
(15:56):
we sit there and talk to them, they really want
to be in a B portfolio. They won't have preservation,
they won't have income, but guess what they're invested in
the deep portfolio. So they're taking too much risk with
their money. So we asked them the question, when's the
last time you had this analyzed, and they say, well,
I've been with my advisor for fifteen years. Meanwhile, the
same advisor is investing and managing the money the same
(16:19):
with risk now fifteen years later than they had before
you got older.
Speaker 2 (16:23):
Things changed. Come on, this is like, you know, no
brainer to me. But the point is this what you
just said. I don't know if it's the advisor fault
or if it's your fault because you don't take the
time to say, look, let's do this again. Let's you know,
analyze my risk because things have changed. The market's changed,
you know, the economy has changed, everything's changed. So this
is important to Chris and I when we do this
at Maggie tex And Wealth Advisors, because sit down with us,
(16:45):
sit down with us, and let's just do you know,
a risk analysis. And there's another thing that we talk
about the sequence of returns protection, safeguarding your retirement from
the wrong market at the wrong time. So your biggest
risk in retirement is not average returns, it's taking which
rolls while markets are down without a plan. To protect
against sequence of returns risk. A portfolio can fall even
(17:07):
with the good long term performance. So proper planning puts
guardrails in place. And this is where we see a
lot of people don't understand what a guardrail is.
Speaker 4 (17:16):
Well, that's it.
Speaker 3 (17:17):
You have to have protection, and there are accounts out
there that you can have protection on the downside and
make money if the market goes down on the downside.
A lot of great things part of having an investment plan,
and the other really unique feature with investment planning is
a purpose driven investing. Every dollar needs a job, whether
it's growth, income, safety, or liquidity. A real plan assigns
each part of your portfolio with a clear purpose. We
(17:39):
talk about purpose planning. Not everything should be chasing growth,
not everything should be conservative. True investment planning is about
balance with intention, having the right money in the right
buckets at the right time. So pick up the phone,
schedule time to meet with us. We can help you
eight three to three, Maggie Tax.
Speaker 2 (17:55):
So if you're listening right now and you don't have
a written investment plan, if you're not sure your risk
matches the stage of life you're in, which we talked about,
or if you simply want a second opinion to make
sure that your portfolio is built to last. Now is
the time to pick up the phone eight three to
three Maggie Tax. Schedule your complementary investment strategy review today.
(18:16):
Visit our website, Maggie Tax dot com, and we'll show
you where you're strong, where you're exposed, and exactly what
needs to be adjusted in plain, simple English, no pressure,
no jargon, just real answers. Your money worked hard for
you your entire life. Now it's time to make sure
that it works for you just as hard in retirement.
Call us right now eight three to three Maggie Tax,
(18:38):
and your future self will thank you.
Speaker 1 (18:46):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tax free retirement, call eight three three
Maggie Tax, or visit Maggie Tax dot com. Now your
(19:09):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 2 (19:13):
All right, welcome back to the Maggie Tax and Wealth
Advisor show, and I need you to stay with me
for the next segment because this is one of the
most important conversations that we ever have on this show,
and it's one that far too many families avoid until
it's too late. So listen up, please, So what happens
when a loved one passes? What should you do first?
(19:34):
Who do you call? How do the accounts get transferred?
What happens to the investments, the insurance, the taxes, the
IRA distribution? And how do you make sure the surviving
spouse isn't overwhelmed, confused, or taken advantage.
Speaker 3 (19:49):
Of Wow, just a lot of questions right there, but
they're powerful because how many people have been in this situation,
how many people probably will be in this situation? And
who do you go to? Many people think I'll just
go to my CPA, he'll handle it. But do you
think they're really going to handle everything for you. I'll
just go to my investment guy, He'll handle everything for me.
But are they really going to deal with the tax
side of this whole thing? And the distribution planning? What
(20:10):
about the estate planning. I'll just go to my attorney,
He'll take care of all this stuff. Well, guess what
you want to make sure that things are going to
avoid probate. But then who's going to charge the fees
to do all this stuff? So who is your quarterback?
Who is going to be the one helping you? Have
you thought about this? You know we see it each
and every every week that we work. It's amazing. You know,
(20:31):
we get the bad news that you know a spouse
has passed or you know someone has passed, and what
do we do? Well, the first thing we all think
about is what about their what about their stuff is
in order? Well, a husband or wife passes and the
surviving spouse is left wood sitting at the kitchen table,
staring at a stack of statements, passwords, accounts, decisions and
deadlines that they never expect to face alone. And that's
(20:53):
if that was all teed up for them already. But
what if it wasn't think about the confusion, you know,
trying to find the password? Is the account ounce? The
beneficiary forms well? And the truth is that grief doesn't wait.
Bills don't wait, and the irs definitely doesn't wait. So
what are you doing? What's your plan? Pick up the phone,
schedule time to meet with us, because we can help
(21:13):
you eight three three Maggie Tax.
Speaker 2 (21:15):
And one of the most important issues that we talk about.
When something like this happens, write this down, do nothing,
don't touch anything, don't touch the investments, do nothing, and
give us a call eight three to three Magi Tax
because people are going to be, you know, hounding you.
They're going to be calling you. You don't need to
do that. You're in a bad frame of mind right
There a lot of things going through your mind. You're
(21:36):
not sure what's going on. So get some clarity and
talk to Maggie. Tax and wealth advice is because you know,
it's not about fear, it's about clarity, it's about protection.
It's about making sure that when life changes, your finances
don't fall apart. So if you've ever thought, I don't
know what my spouse would do if something happened to me,
(21:57):
or I'm not sure where all our accounts are are,
then this is your moment to lean on because this
conversation can make all the difference when your family needs
it most. And Chris, the biggest thing we do is
state planning seminars. We do for a month and I
can't tell you how many people come to us, young,
middle age and older, and they haven't done anything. And
(22:17):
there's always one or two in the group that says,
I just lost my spouse and I don't know what
to do. So now when they come they make an appointment,
they go, I'm so glad you guys talk about this
because what Chris mentioned before, Does your advisor talk about it?
Does your tax person talk about it? The answer most
commonly that we get Chris's no. So we're offering that
help out there because you have to sit down and
(22:39):
get all your affairs in order. So let's talk about
really happen, about what really happens when a loved one passes,
and what you can do now to make sure that
your family is protected.
Speaker 4 (22:49):
So what do you do?
Speaker 3 (22:49):
Wow, that was a lot you just said, But many
people out there listening are probably leaning in and they
want more, and we can give them more. And it's
not just about today's radio show. It's about where's your plan?
And we talked about investment planning, we talk about roth
ecology before. In the first segment, we're talking about what
are you doing? And many people say, well, all just
work with my advisor who has the least amount of fees. Well,
(23:10):
really is that what it's all about, really, because you
need a complete planner. It's not just about the fees.
It's about what you understand and what you can do.
So what do you do immediately? Well, the immediate decisions
have to be made. You know what must happen in
the first forty eight to seventy two hours. Well, most
families don't know what to do, you know, death certificates,
notifying institutions, freezing certain accounts, securing documents. It's overwhelming.
Speaker 4 (23:34):
You know.
Speaker 3 (23:34):
We walk families through every step so nothing is missed
and nothing is done incorrectly during the most emotional time
of their lives. And then if you're going through this
right now, as my dad mentioned before, do nothing. Stop,
pick up the phone. You know what to call eight
three to three Maggie.
Speaker 2 (23:50):
Tax and you know the other thing. This is a
very important the financial cleanup. We call it titles beneficiaries, iras,
social security and required steps. This is where mistakes cost
families money. Improperly transferring iras, missing beneficiaryforms, mishandling life insurance,
or delaying social security notifications can lead to taxes, penalties,
(24:13):
or lost benefits, and proper guidance prevents all of that, Chris.
This is why a lot of people come to us
and they're you know, they may have lost someone and
they may be going through probate. And even at my
seminars that we talk about, the word you want to
avoid is probate. But if you do all these things
I just mentioned, proper beneficiary reforms, make sure that your
accounts are title correctly, and the insurance is there, you're
(24:34):
not going to have these problems. Chris.
Speaker 3 (24:36):
You know what's interesting when people come in we put
the other balance sheet. We ask people come up piles
of piles of statements, right, and they go, well, this
is this one, this is my ra, there's my roth.
I think this is another one. I get, this is
another one, and then this is my checking and then
this is another one. They don't know what it does.
Is it taxable? Is a non taxable will? It is
a tax free?
Speaker 4 (24:54):
You know what does it do?
Speaker 3 (24:55):
Well?
Speaker 4 (24:56):
We put together a balance sheet for you. It's one page.
It's simple.
Speaker 3 (24:59):
We make the Maggie Plan simple and easy, if you'd understand,
that's what we call it. Why, because you deserve a
simple and easy plan for yourself, we can do that.
That's why we urge you to pick up the phone,
lean in, schedule time to meet with us. Eight three
three Maggie Tax, My gosh. I mean we help people
put this together and when they leave, they understand what
(25:20):
they have. If do you understand what you have? Many
people out there are saying I don't really know. Well
that's okay, but let's do something about it. Eight three
to three Maggie Tax.
Speaker 2 (25:29):
You know I mentioned before, you know, when one spouse passes,
what do you do? And I'll repeat it again, do nothing.
And we're offering this because if someone out there is
listening and maybe someone passed away, now is the time
to call us. Because this is not something to sell.
This is something to educate, and this is something that
you need to get the right answers to make it right.
Speaker 3 (25:47):
Let me clear, though you mentioned do nothing, do nothing,
but then you have to act right. So don't do nothing,
but don't make the stupid move. And what I mean
by that is you're gonna have people come in trying
to do transactional selling. Move this move that understand the process. First,
you got time. It took you nine months to get
into this world. You know it takes nine months before
you can do something. So if anything happens, you have
(26:10):
time on your side. If you're the beneficiary, especially if
you're kids. My gosh, pick up the phone, schedule time
to meet with us, because we can help you walk
through the process. Eight three three Maggie tax. So we
talked about what to do, the immediate decisions. We talked
about the financial cleanup, the titles, the beneficiaries, the iras,
social security, what stops right, Let's talk about the survivor's plan.
Speaker 4 (26:30):
What is that.
Speaker 2 (26:31):
Well, it's making sure that the spouse is protected and
not overwhelmed because if there's no planning, we talk about
what we do. You know, taxes and income planning, you know,
investment planning, legacy planning, of state planning. And if you're
not doing any of that, then you have a whole.
You have a hole that's going to create a bigger,
bigger hole. So when one spouse passes, everything changes, the income,
(26:52):
the taxes, the investments, the insurance, the requirement of distributions
if you have an IRA. And this is where Chris,
A lot of people get confused about diaries because Congress
change the laws when they did the secure erect Because
they write them in pencil and most of you probably
don't even know about it until you come in and say,
well I didn't know that, because you probably didn't. So Chris,
(27:12):
this is important that we sit down and talk to you.
We always say this, it's about education, and many of
you that know and have worked with us understand that's
what we do. We educate you first, and then you're
going to come to a decision or a solution that's
going to be right for you.
Speaker 3 (27:27):
Well, let's just say, you know you mentioned the surviving spouse. Well,
the surviving spouse needs clarity today, needs structure today, needs
a plan today. Right, that's what it's about.
Speaker 4 (27:40):
You know.
Speaker 3 (27:40):
We make sure that they're not left alone trying to
sort out a lifetime of financial decisions. And you can
think about your peers, you think about your neighbors. They're
going through these types of situations at your retirement park
or your retirement community. It doesn't have to be this way,
and that's why when you meet with us, we put
together a plan today. So when you leave and you
know that you have a quarterback and a team behind you,
(28:03):
that's a great feeling knowing that everything is taken care of.
Speaker 2 (28:06):
You know what's funny, we do the seminars for a month.
You can go to my website Maggie tex dot com.
They're all listed there. We do them at libraries and
the reason why we do that is to educate because
many times we do these events and they come back
up to me or Kurk or Sam or even Chris
and say, you know what, I wasn't going to come
to this event because that's probably the same thing over
and over. But they learn something that they have to
(28:27):
do something, and we get the appointment based on that.
Because when you understand what's going on and you get
a better you know, I guess what's the word. I'm
looking for clarity on it. You're going to make a
right decision. And I think the problem because many people
are pushed into decisions that they don't know. And I
say this many times. My dad used to say the
hell with it, and I would ask him what do
(28:48):
you mean by the hell with it? He said, well,
you know, I don't want to ask a stupid question.
But when my mother passed away, my dad had no
idea what my mother did. I say this at every seminar.
Some of you listening today are saying the same thing
that the husband doesn't understand what happens? Ask them, you know,
we get around. We asked this question, you know what
(29:09):
happens if something happens to me or something happens to you,
And you know what, Chris, The answer is, I don't know.
I guess you know your mom's going to take care
of it. That's not good enough because it's going to
create more problems than you want and you don't need
to be that way. So if you're listening today, you're driving,
maybe you're home, hanging out, whatever, the end of the
day is, let's do something. Let's put the other plan,
lean in, lean into what we're talking about today, because
that's what it's about, putting together a plan, and that's
(29:32):
what this conversation, that's why it matters. You know, losing
a loved one is already the hardest moment a family
can face, but losing them and then having to fight
through the financial confusion, the paperwork, the taxes, and the
difficult decisions, well, you know that's something no one should
ever go through alone. And there's many people out there
(29:53):
that will take advantage of this opportunity and you don't
need to go down that route. You know, if you're
listening right now, and you don't have a written plan
for what happens when one spouse passes, then you need
to do something. If you're unsure how accounts would transfer,
or who your spouse would turn to, or whether everything
is even titled correctly. Now is the time to take action,
(30:15):
not someday in the future when it's too late, So
pick up the phone. Call Maggie Tax and Wealth Advisors
schedule your complimentary family protection and legacy review. We'll show
you exactly what would happen now if something occurred tomorrow,
and what needs fixing today. No fear, no pressure, just
clarity and peace of mind.
Speaker 4 (30:34):
Call us now.
Speaker 3 (30:34):
Your family deserves this level of protection. Eight three to
three Maggie Tax.
Speaker 1 (30:45):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tech free retirement, Call eight three three
Maggie Tax or visit Maggie Tax dot com. Now your
(31:07):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 3 (31:11):
Welcome back to the MAGI Tax and Wealth Advisors Show,
and this is our final segment today and we're so
glad to be here because education is so important. But
you know what, lean in right now, because there's so
many things that we've been discussing throughout today's show Rothology.
We're talking about what to do on a loved one
passes investment planning, and I want you to lean in
and really understand this carefully because what we're about to
(31:33):
talk about separates true retirement planning from the generic advice
that most people get. There are advisors out there who
manage investments, advisors who prepare taxes, advisors who sell insurance,
advisors who do estate documents, but very few and I
mean a very few, actually bring it all together in
one coordinated plan. So let's talk about what we're discussing
(31:56):
right now and why it's so important for people to
just listen.
Speaker 2 (31:59):
In advisor, like Chris mentioned, handles one slice of your
financial life. You don't have a complete plan. You have
a collection of disconnected parts. And when life changes, and
it always does, you all know this, those missing pieces
become very expensive mistakes. And that's why this final segment
is all about the difference between working with an advisor
(32:20):
and working with a complete planner who does complete planning.
So your money doesn't live in silos, so your planning
shouldn't either. Investments affect taxes, Taxes affect income, Income affects medicare.
Medicare affects your cash flow. Estate planning affects everything. So
(32:40):
if these pieces aren't working together, they're working against you
and Chris. That's the problem.
Speaker 3 (32:46):
You know, take a deep breath here, because I'm listening
to you what you just said. You said a lot
of great points here. Investments affect tax as you said,
I think you said, taxes affect income, and estate planning
affects everything. My gosh, so domino effect. So why would
someone just want to work with an advisor who's just
managing their own money.
Speaker 2 (33:05):
Because that's what we were taught And I mentioned that before.
I'm older than you, and there are people out there
older than you as well, but this is what we
were taught. And I have to tell you. You break the
bubble when people come in because we surprise them go like, well, gee,
my guy doesn't talk about it. You know, when I
ask people, why don't you go back and ask them
why you didn't tell you because they should. That's their responsibility, Chris,
(33:26):
to educate, not to sell a stock bond on a
mutual fund. So that's wrong.
Speaker 3 (33:31):
Yeah, So I and I know you feel the same
because it's all work together and doing this. I think
we think it's the service if I do. If an
advisor's out there just says, well, I don't do taxes,
I don't do medicare, I don't I don't deal with
anything without incomplaining. I just deal with investments and managing money.
Time out, like, what are we doing?
Speaker 4 (33:49):
How many?
Speaker 3 (33:50):
How many accounts have we seen people that said, I've
worked with my advisor for so many years? And then
we ask them what we have a will and a
trust with together right in the state documents?
Speaker 4 (33:58):
They go, we don't have that. What does that mean?
Isn't it a dis service?
Speaker 2 (34:03):
And part of it's going to be because that's all
they can do and that's all they want to do.
And years ago I got into this business because I
started with medicare and then I started with life insurance,
and I kept getting questions, Hey Bobby, why don't you
do investments, Hey Bobby, why don't you do a state planning?
And there were answers that I had to legitimately give
because I was an investment advisor at that point. I'm
not an attorney, which is fine, but why can't you
(34:24):
at least educate them, Chris and lead them in the
right direction, which is what we do every single day.
Speaker 3 (34:28):
Well, I set and you know we're talking about most
advisor only focus on one area, and that's where the
gaps can cost you. So one advisor handles investments, another
files or taxes and other sales, insurance and other drafts,
legal documents, but none of them talk to each other.
That's how families end up with missed roth opportunities. We
talked about rothology before in the first segment. Tax surprises,
(34:49):
improper beneficiaries, and plans that fall apart, the moment of
spouse passes away unbelievable.
Speaker 2 (34:54):
And you know what that falls on us too, because
the education isn't there. And you say this a lot
when it was the last time we were taught about
and this is going to be silly balancing a checkbook.
Well we don't need to now.
Speaker 3 (35:06):
Man, but you know what, We're in a yoo economy.
And here's what I'm saying. You're on your own right
and the end of the day, you got to do something.
So if you're listening today and you're listening saying, you're
shaking your head up and down, saying you're right, and
you're right, you're right, and pick up the phone, schedule
time to meet with us, because you deserve a second opinion.
Eight three three Maggie Tax. Eight three three Maggie Tax.
Speaker 2 (35:24):
So a complete planner, as we're talking about, coordinates every
part of your life today and long after you're gone.
So let's talk what a complete planner handles. Taxes. We
do that, investments, we do that income planning specialty in
that Roth convergence. We just talk about rothology because many
of you don't know how to pay less tax and
no tax. And if your advisor is not talking about it,
(35:45):
it's because he doesn't understand it. Social Security, medicare, a
state and legacy planning. I told you before. Go to
our website Maggie Tax dot com. Register for our seminars.
We do four a month all over Panels and Hillsborough
County in Sarasota. Also, and like I said, every time
people come, they say, I am so glad I attended.
What about survivor planning. Does any of your advisors or
(36:07):
tax people you know, talk about survival planning. A lot's
going to happen there. What about risk management? Chris mentioned
it before, Maybe your risk has changed over time. So
everything one team, one plan, one clear roadmap. And that's
the difference between guests work and real retirement planning. Christ
And you know what, I'm so glad we do what
we do because it's.
Speaker 3 (36:27):
Worked, and it's not it only just worked. It's helped
so many families out there. You know, we do our
employee gathering and and one of the things we start
off as with at the end of the year is
how many families we've helped. And that is that is
true to our hearts because we give back and at
the end of the day, we're helping families out there,
you know, one family at a time with their income
(36:47):
playing and their tax planning, their investment planning, their estate planning.
You know what to do when when when a spouse
passes away, who do they call immediately us? That's a
beautiful thing. So a three three Maggie tax. So at
the end of the day, day retirement is just too
important to leave the chance the stakes are too high,
the rules are just too complex, and the consequences of
poor planning show up when it's just too late to
(37:11):
fix them. If you don't have a complete plan, you
have pieces of scattered that across different advisors, or if
you simply want to know whether everything in your financial
life actually works together, this is your moment to take action.
Give us a call Maggie Tax and Wealth Advisors right now,
schedule a complete planning review. Eight three three Magi Tax
(37:32):
and Wealth Advisors. We'll look at your taxes, your investments,
your income, your estate, documents, beneficiaries, all of it, and
we'll show you in a simple English way, what's working,
what's missing, and what needs to be fixed. There's no guessing,
there's no hoping, there's no blind spots, just a real
plan for real life. If this is on your mind,
(37:54):
lean in right now, pick up the phone, call us now.
Your future deserves complete planning and so there's your family
A three three Maggie Tax that's eight three to three
Maggie Tax Schedule time and meeting with us today.
Speaker 1 (38:09):
Thank you for listening to Maggie Tax and Financial Show
with Robert and Chris Maggie of Maggie Tax Wealth Advisors
listen here five to six pm every Saturday, and from
eleven am till noon every Sunday, or anytime on the
free iHeartRadio app. And remember you can pay less tax
with Maggie Tax Program content provided by Maggie Tax Wealth
(38:30):
and Advisors. Call them at eight three three Maggie Tax,
or visit them online at maggietax dot com
All these years you've saved up planning for a secure retirement,
but if you're not careful, it will be the irs
that is living it up when you retire by taxing
your hard earned money. Welcome to the Maggie Tax and
Financial Show with Robert and Chris Maggie of Maggie Tax
and Wealth Advisors. With over four decades of combined experience
and tax savings, income planning, and investment opportunities, Robert and
(00:22):
Chris share advice and tax planning strategies designed to protect
your retirement next day from Uncle Sam. Call them at
eight three three Maggie Tax or online at Maggie Tax
dot com. And now your host for the Maggie Tax
and Financial Show, Robert and Chris Maggie.
Speaker 2 (00:41):
Welcome to the Maggie Tax and Wealth Advisor Show, the
place where retirees and families come to turn confusion into
clarity and planning into confidence. I'm here with my son
Chris Maggie, and today we have a lot to talk
of it because every week we break down the strategies
that truly matter, the ones Wall Street never seems to
talk about. And today we're diving into something we call rothology.
(01:01):
So Chris, let's talk about it and see if we
can help some of the people out there.
Speaker 3 (01:05):
Absolutely. Well, welcome everyone, I'm Chris Maggane. Thank you so
much for tuning into the show. In each and every week.
We're here to help you. Why because we see so
much when we meet with clients. They come in and
they are confused, they're isolated, they don't have clarity, but
we provide the opposite. We provide the clarity, The confusion
settles down into more of understanding, and now they can
(01:27):
have an account where they have confidence moving forward. So
what is routhology, Well, we specialize in wroth conversions, and
rathology is the art and science of doing wroth conversions
the right way. Because a wroth conversion isn't just a
tax move. It's a timing move, it's a bracket move,
it's a legacy move. It's one of the most powerful
(01:47):
tools available when it's done correctly, and one of the
most expensive mistakes when it's not.
Speaker 4 (01:53):
So.
Speaker 3 (01:53):
Throughout today's show, pick up the phone, schedule time to
meet with us Maggie Tax dot Com eight three to
three Maggie Tax Right that down, eight three to three
Magi Tax Schedule A time to meet with us, because
if you're interested in a wroth conversion, stop what you're
doing right now, listen up, because we have a lot
to talk about, and don't forget.
Speaker 2 (02:10):
Every Sunday at ten thirty, tune into the Magi Tax
and Advise our show on ABC TV at ten thirty
and you'll learn a lot more on that as well.
So we have a lot to talk about. But rothology
is only one piece of a complete plan, and that's
what we talk about, complete planning on this show. We
also tackle investment planning, income strategy, and what really happens
(02:30):
when a loved one passes away and assets need to
be transferred the right way without delays, without confusion, and
without family stress. And Chris, that's a big concern of
a lot of people that call in every week because
we talk about so much. But you have to come
in and sit down with us and have a meeting
and go over your concerns a three to three Magi tas.
Speaker 3 (02:49):
And you deserve to meet with somebody to get your
questions answered. My gosh, I mean, last week, we know
it so many people who just left with clarity and
smile on their face and they said, now I know
what I have and what I can do because rathology
is only one piece of a complete plan. You know,
we talk about many different components. But here's the truth.
Retirement isn't just about having accounts. It's about having a plan,
(03:12):
a coordinated, documented, tax smart plan that covers everything. It's
from your portfolio to your income, from your taxes to
your legacy, and from the first year of retirement to
the last dollar of your family inherit inherits. That's why
it's so important to meet with somebody and a MAGI
Tax advisory. That's what we do, that's why we're here.
That's what this show is all about. This is the
MAGI Tax and Wealth Advisors Show, and your complete financial
(03:35):
education starts right now.
Speaker 2 (03:36):
And here's the thing. Many of you out there have
questions about you hear this on the radio, you watch
on TV. About Wroth conversions. It's probably the most confusing
topic that you need to discuss with a qualified advisor.
We know about Wroth conversions. We can show you how
it works, we can show you when to do it,
and we could show you the right way to do it.
So the bottom line is control your taxes and don't
(03:57):
let the irs decide for you. Iras that many of
you have out there in four to one k is
are fully taxable later in life, often when income is
higher from social Security rmds and investment growth. Rothology is
about converting strategically. That's a keyword that we use when
you choose to do it, so you lock in known
tax rates today instead of gambling and future increases. In Chris,
(04:21):
we do mock tax returns because it's the only way,
the only safe way to show a lot of people
out there what the answers to their questions are.
Speaker 4 (04:28):
Well, that's it.
Speaker 3 (04:28):
You know, when do you want to know how much
tax is going to pay? Well, you want to know
right now, not just in tax season like February, March
and April. You want to know now, and that's what
we do. So a MAGI tax advisor, HINT and wealth
Advisors we help you on the tax side, the investment side,
the income planning side, the estate planning side, and legacy planning.
So not only on rothology you can control your taxes,
(04:49):
but eliminates the required minimum distributions. You know wroth iirays
have know what they call required minimum distributions and a
lot of people out there don't know what that RM
and D is. Well, RMD is called the required minimum distribution.
If you have a four to one K or an
IRA or a sep IRA or a TSP, if you're
a federal employee at age seventy three or seventy five,
(05:09):
depending on when you're born, you have to take the
required minimum. You have to take a distribution from that account. Well,
with rothology and with roth conversions, you don't have to
take a ROTH IRA a distribution, so which means that
there's no forced withdrawals, no force tax bills, and no
disruption to your income plan. Rothology helps retirees keep more control,
(05:31):
more flexibility, and more of their money.
Speaker 2 (05:34):
And think about this, all of you out there that
have an IRA four to one K, we were all
taught to save on a tax deferred basis, meaning take
money out of your paycheck and have a tax deferred
account with an IRA four to one K. But you
deferred the taxes years ago. And think about I asked
a client, not a client, but I asked people at
a seminar I did last week. Think about how much
(05:54):
you deferred and how much tax you actually saved, and
then now it's your seven twenty three and you have
to take out to rm d's because we run a
report called the retirement Tax Bill and kind of figure
out which was higher because you're gonna pay more taxes
when you start taking out to R and ds. You
know why, because you saved a lot. If you've saved
a million dollars in an IRA, Chris, does that client
(06:16):
have a million dollars in the IRA?
Speaker 3 (06:18):
Not at all, because guess what a portion of that
is Uncle Sam's and portions yours. But that's the big
question we see moving forward is what's that question mark
tax rate going to be? How much is really yours?
So right now it's time to understand and that's why
I pick up the phone, schedule time to meet with us.
Let's figure out what your tax bill is in retirement.
And also let's talk about rothology.
Speaker 2 (06:40):
And think about this. When a loved one INHROD say
roth IRA, every single dollar can come out income tax free.
And Chris, what's the question that you ask everybody when
they come in when they have an IRA? What what
when do you want to pay? And who's going to
pay it?
Speaker 1 (06:54):
Right?
Speaker 3 (06:54):
When is a tax going to be paid? And many
people look at me confused, and they say, what do
you mean by that? Well, if it's not you, it's
going to be your spouse, and if it's not your spouse,
it's going to be the kids. And then guess what,
who's going to pay the big tax bill? So, if
you have an IRA form o K, when is a
tax going to be paid? Would you want a plan?
That's what we call a Rothology plan. So let's put
(07:15):
that together for you because we specialize in wroth conversions.
Pick up the phone, schedule time to meet with us
eight three three Magie tax. That's eight three to three
Magie tax. And Dad, you meant something that that's really important.
Leave tax free money to your family. Do you want
a taxable account or tax free? Well, when a loved
one inherits a roth IRA, every dollar can come out
(07:36):
income tax free, which is a powerful legacy tool, and
that could be for your spouse, for your kids. So
Rothology ensures the conversion is done the right way, in
the right brackets at the right time, so families keep
more of what they earn.
Speaker 4 (07:50):
And you can too.
Speaker 3 (07:51):
Just pick up the phone, schedule time to meet with
us eight three to three Maggie tax.
Speaker 2 (07:55):
You know, and we're in tax time right now, tax
preparation and most of you seeing your tax prepare it now.
But ask that person, whether it be a male or female,
how do I say them on taxes? And I have
this IRA, So what is the tax bill I'm going
to pay? And see what they say because I guarantee
it they're not going to answer it the way we do.
Because go to my website, Maggie tax dot com. I
(08:17):
encourage all of you, every single one of you, right now,
go to Maggie tax dot com and on the top
right click on the retirement tax bill and in thirty seconds,
if you're honest and put the right numbers in, you
are going to see what your tax bill is going
to be. Not only what the tax bill is going
to be, but you're also going to see when you
turn that age of seventy three, how much required minimum
distribution you're going to take? And Chris, when people take
(08:39):
out the required minimum distribution, where does it go?
Speaker 3 (08:43):
Usually people invest it, reinvest it, which they cause more
tax for them to pay. And guess what, they just
keep paying more tax and it goes on your tax return,
right yep, And you have to pay more tax cost
on social Security or other investments.
Speaker 2 (08:55):
Oh okay, I didn't know that, did you? But I'm
joking with that, and it's not funny. The point is
that when you meet with the tax qualified advisor like
we are, and we do a rothology report, I guarantee
you that you're gonna sit there and go, you know what,
I'm so glad I came in because we've had so
many millionaire clients and not so many millionaire clients come
in and say, I didn't know that. My advisor doesn't
talk about that. They're not going to talk about that
(09:17):
because they're not tax professionals.
Speaker 4 (09:19):
And that's it.
Speaker 3 (09:20):
So you can leave tax free money to your family.
You can reduce the tax bomb on social Security. Converting
now can prevent future income pushing on Social Security tax
And guess what you can protect yourself from future tax increases.
What if you were able to live in an environment
that you're a tax free you don't have to worry
about paying a diamond taxes? Who cares if the government
(09:41):
raises the tax brackets or the rates or whatever, you
don't have to be subject to it.
Speaker 4 (09:45):
How cool would that be?
Speaker 3 (09:46):
And also, what if you could lower future Medicare premiums
like irma irma.
Speaker 4 (09:52):
What if you had full control over that? Would you
want to know? These things we can do.
Speaker 2 (09:56):
And that's the power power of the routhology doing rough
convergence though right way, at the right time, for the
right reasons. These are not guesses, folks. These are not
generic rules of thumb. These are strategies that can save
families tens of thousands of dollars in unnecessary taxes and
create a tax free income for life. But here's the key.
None of this happens automatically. The IRS isn't going to
(10:18):
call you and remind you to convert at the perfect time.
Your brokerage from isn't going to run tax bracket analysis
for you. This is planning that must be done intentionally
and coordinated across your taxes, investments, income and legacy. Let's
make sure that your retirement dollars go to your family,
not to unnecessary taxes. The call is free, the appointment
(10:38):
is free, but the impact would the rest of your life.
This is Maggie Tax and Wealth Advisors where complete planning begins.
Speaker 1 (10:49):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tax free retirement. Call eight three three
Magie Tax or visit Maggie Tax dot com. Now your
(11:11):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 3 (11:15):
All right, welcome back to the Maggie Tax and Wealth
Advisors Show. In the first segment, we talked about rothology
doing your tax planning the right way. Now is the
time the shift gears into something just as important, maybe
it's even more important. We're talking about income planning. But
before we do that, visit our website at Maggie tax
dot com. Pick up the phone, schedule time to meet
with us eight three three Maggie Tax. We do complete planning,
(11:38):
income planning, tax planning, investment planning, estate planning, legacy planning,
solid security, maximization planning, medicare planning.
Speaker 4 (11:46):
Do you have questions about any of these topics?
Speaker 3 (11:48):
Absolutely, we'll pick up the phone, schedule a time to
meet with us eight three to three Maggie Tax.
Speaker 2 (11:53):
And let's be honest, investment planning today is not what
it used to be ten years ago. It's changed. The
markets move faster, the risks are different, the tools are different,
and the old set it and forget approach that doesn't
work anymore because you have to sit down, answer your
questions that people have and you should be able to
get all the answers that you want. And the number
one mistake that we see retires make is this they
(12:16):
think owning investments is the same as having an investment plan,
and that's not true. It's not Chris right.
Speaker 4 (12:22):
Absolutely.
Speaker 3 (12:23):
You know, we do analyze a lot of investment accounts
out there, and we have a great team that fill
of CPAs and cfps, financial planners and analysis that review
everything on a regular basis, and it's amazing. What we
see is that many people just have piles of money.
They just have investment accounts and they're buying the stock
here and they're sitting on it and they're not doing
(12:44):
any investment planning. And that's why we're reaching out to
everyone today because do you have an investment plan? And
if you don't, then you need to get one. And
as we talked about here, the number one mistake we
see retirees make is that they think owning investments is
the same as just having an investment plan is not.
Anyone can buy a fund, anyone can click a button,
(13:05):
but very few people have an actual strategy, a blueprint
that aligns their risk, their income needs, their tax exposure,
market cycles, and long term goals all in one. And
that's why when you come meet with us Maggie Tax
Advisory and Wealth Advisors, we can help you put together
an investment plan. So in this segment we're cutting through
(13:26):
the noise. We want to talk about what real investment
planning looks like, how to protect your money, how to
grow it with a purpose and stay ahead of the
surprises that take so many families off course. And Dad,
let's talk about that. How many families do we see
that have retired that they think they have a plan,
but guess what their investment plans running off course?
Speaker 2 (13:48):
Well that's because they were taught, like I said before,
the old fashioned way, and they never were taught to
look into a full, complete plan like you talked about
investment planning, income planning, social security planning. They just talked
about a fund or a stock and that's not complete planning.
So if you've ever wanted and I invested the right
way for where I am right now, You're in the
(14:09):
right place. But let's get into it because what you
have to do because you mentioned it, how many people
do you see that when you look at their portfolio
and you ask them, do you know what stock you have?
Do you know what mutual fund you have? Do you
know what risk you have? And what's the common answer
we get?
Speaker 3 (14:23):
I don't know. I think my advisor's taken care of it.
And then when we take off the hood, guess what
we see. There's no active management. They've had the account
positions for the same positions for years, you know, every
time they meet with their advisor. Maybe if they do
then they change it. But guess what, that's not active planning.
So the big then that we see is risk alignment.
What's risk alignment? Well, are you invested for the stage
(14:46):
of your life you're in or are you the one
who've already passed it?
Speaker 2 (14:50):
You know?
Speaker 3 (14:51):
And then that's the question that we have. And most
people's portfolios are built for accumulation, not preservation or income,
and the risk they took in their forties and fifties
can be devastating in their sixties and seventies. So that's
why investment planning starts with matching your risk to your goals,
not to the market's mood. And think about this. How
many people come in and we ask them to do
(15:11):
a what color of Money report? We ask them to
do the analysis to figure out what type of risk
they want and how easy is that to fill out?
Speaker 2 (15:20):
It's easy And when we do it, it's simple and
they sit back and they go, boy, that's the easiest way.
Now I understand what my risk is because you do
these portfolios comparisons all the time, and most of the
time they're in more risk than they thought they were.
Speaker 3 (15:34):
So let me explain here. Think of it this way, ABC,
D and E. If you're an A investor, well you're
more conservative. If you're an E investor, you're aggressive. But
if you're a C, you're basically in the middle. So
many people come in and we analyze their accounts and
they're somewhere invested in a D portfolio, which is a
moderate growth. But then when we do the questions and
(15:56):
we sit there and talk to them, they really want
to be in a B portfolio. They won't have preservation,
they won't have income, but guess what they're invested in
the deep portfolio. So they're taking too much risk with
their money. So we asked them the question, when's the
last time you had this analyzed, and they say, well,
I've been with my advisor for fifteen years. Meanwhile, the
same advisor is investing and managing the money the same
(16:19):
with risk now fifteen years later than they had before
you got older.
Speaker 2 (16:23):
Things changed. Come on, this is like, you know, no
brainer to me. But the point is this what you
just said. I don't know if it's the advisor fault
or if it's your fault because you don't take the
time to say, look, let's do this again. Let's you know,
analyze my risk because things have changed. The market's changed,
you know, the economy has changed, everything's changed. So this
is important to Chris and I when we do this
at Maggie tex And Wealth Advisors, because sit down with us,
(16:45):
sit down with us, and let's just do you know,
a risk analysis. And there's another thing that we talk
about the sequence of returns protection, safeguarding your retirement from
the wrong market at the wrong time. So your biggest
risk in retirement is not average returns, it's taking which
rolls while markets are down without a plan. To protect
against sequence of returns risk. A portfolio can fall even
(17:07):
with the good long term performance. So proper planning puts
guardrails in place. And this is where we see a
lot of people don't understand what a guardrail is.
Speaker 4 (17:16):
Well, that's it.
Speaker 3 (17:17):
You have to have protection, and there are accounts out
there that you can have protection on the downside and
make money if the market goes down on the downside.
A lot of great things part of having an investment plan,
and the other really unique feature with investment planning is
a purpose driven investing. Every dollar needs a job, whether
it's growth, income, safety, or liquidity. A real plan assigns
each part of your portfolio with a clear purpose. We
(17:39):
talk about purpose planning. Not everything should be chasing growth,
not everything should be conservative. True investment planning is about
balance with intention, having the right money in the right
buckets at the right time. So pick up the phone,
schedule time to meet with us. We can help you
eight three to three, Maggie Tax.
Speaker 2 (17:55):
So if you're listening right now and you don't have
a written investment plan, if you're not sure your risk
matches the stage of life you're in, which we talked about,
or if you simply want a second opinion to make
sure that your portfolio is built to last. Now is
the time to pick up the phone eight three to
three Maggie Tax. Schedule your complementary investment strategy review today.
(18:16):
Visit our website, Maggie Tax dot com, and we'll show
you where you're strong, where you're exposed, and exactly what
needs to be adjusted in plain, simple English, no pressure,
no jargon, just real answers. Your money worked hard for
you your entire life. Now it's time to make sure
that it works for you just as hard in retirement.
Call us right now eight three to three Maggie Tax,
(18:38):
and your future self will thank you.
Speaker 1 (18:46):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tax free retirement, call eight three three
Maggie Tax, or visit Maggie Tax dot com. Now your
(19:09):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 2 (19:13):
All right, welcome back to the Maggie Tax and Wealth
Advisor show, and I need you to stay with me
for the next segment because this is one of the
most important conversations that we ever have on this show,
and it's one that far too many families avoid until
it's too late. So listen up, please, So what happens
when a loved one passes? What should you do first?
(19:34):
Who do you call? How do the accounts get transferred?
What happens to the investments, the insurance, the taxes, the
IRA distribution? And how do you make sure the surviving
spouse isn't overwhelmed, confused, or taken advantage.
Speaker 3 (19:49):
Of Wow, just a lot of questions right there, but
they're powerful because how many people have been in this situation,
how many people probably will be in this situation? And
who do you go to? Many people think I'll just
go to my CPA, he'll handle it. But do you
think they're really going to handle everything for you. I'll
just go to my investment guy, He'll handle everything for me.
But are they really going to deal with the tax
side of this whole thing? And the distribution planning? What
(20:10):
about the estate planning. I'll just go to my attorney,
He'll take care of all this stuff. Well, guess what
you want to make sure that things are going to
avoid probate. But then who's going to charge the fees
to do all this stuff? So who is your quarterback?
Who is going to be the one helping you? Have
you thought about this? You know we see it each
and every every week that we work. It's amazing. You know,
(20:31):
we get the bad news that you know a spouse
has passed or you know someone has passed, and what
do we do? Well, the first thing we all think
about is what about their what about their stuff is
in order? Well, a husband or wife passes and the
surviving spouse is left wood sitting at the kitchen table,
staring at a stack of statements, passwords, accounts, decisions and
deadlines that they never expect to face alone. And that's
(20:53):
if that was all teed up for them already. But
what if it wasn't think about the confusion, you know,
trying to find the password? Is the account ounce? The
beneficiary forms well? And the truth is that grief doesn't wait.
Bills don't wait, and the irs definitely doesn't wait. So
what are you doing? What's your plan? Pick up the phone,
schedule time to meet with us, because we can help
(21:13):
you eight three three Maggie Tax.
Speaker 2 (21:15):
And one of the most important issues that we talk about.
When something like this happens, write this down, do nothing,
don't touch anything, don't touch the investments, do nothing, and
give us a call eight three to three Magi Tax
because people are going to be, you know, hounding you.
They're going to be calling you. You don't need to
do that. You're in a bad frame of mind right
There a lot of things going through your mind. You're
(21:36):
not sure what's going on. So get some clarity and
talk to Maggie. Tax and wealth advice is because you know,
it's not about fear, it's about clarity, it's about protection.
It's about making sure that when life changes, your finances
don't fall apart. So if you've ever thought, I don't
know what my spouse would do if something happened to me,
(21:57):
or I'm not sure where all our accounts are are,
then this is your moment to lean on because this
conversation can make all the difference when your family needs
it most. And Chris, the biggest thing we do is
state planning seminars. We do for a month and I
can't tell you how many people come to us, young,
middle age and older, and they haven't done anything. And
(22:17):
there's always one or two in the group that says,
I just lost my spouse and I don't know what
to do. So now when they come they make an appointment,
they go, I'm so glad you guys talk about this
because what Chris mentioned before, Does your advisor talk about it?
Does your tax person talk about it? The answer most
commonly that we get Chris's no. So we're offering that
help out there because you have to sit down and
(22:39):
get all your affairs in order. So let's talk about
really happen, about what really happens when a loved one passes,
and what you can do now to make sure that
your family is protected.
Speaker 4 (22:49):
So what do you do?
Speaker 3 (22:49):
Wow, that was a lot you just said, But many
people out there listening are probably leaning in and they
want more, and we can give them more. And it's
not just about today's radio show. It's about where's your plan?
And we talked about investment planning, we talk about roth
ecology before. In the first segment, we're talking about what
are you doing? And many people say, well, all just
work with my advisor who has the least amount of fees. Well,
(23:10):
really is that what it's all about, really, because you
need a complete planner. It's not just about the fees.
It's about what you understand and what you can do.
So what do you do immediately? Well, the immediate decisions
have to be made. You know what must happen in
the first forty eight to seventy two hours. Well, most
families don't know what to do, you know, death certificates,
notifying institutions, freezing certain accounts, securing documents. It's overwhelming.
Speaker 4 (23:34):
You know.
Speaker 3 (23:34):
We walk families through every step so nothing is missed
and nothing is done incorrectly during the most emotional time
of their lives. And then if you're going through this
right now, as my dad mentioned before, do nothing. Stop,
pick up the phone. You know what to call eight
three to three Maggie.
Speaker 2 (23:50):
Tax and you know the other thing. This is a
very important the financial cleanup. We call it titles beneficiaries, iras,
social security and required steps. This is where mistakes cost
families money. Improperly transferring iras, missing beneficiaryforms, mishandling life insurance,
or delaying social security notifications can lead to taxes, penalties,
(24:13):
or lost benefits, and proper guidance prevents all of that, Chris.
This is why a lot of people come to us
and they're you know, they may have lost someone and
they may be going through probate. And even at my
seminars that we talk about, the word you want to
avoid is probate. But if you do all these things
I just mentioned, proper beneficiary reforms, make sure that your
accounts are title correctly, and the insurance is there, you're
(24:34):
not going to have these problems. Chris.
Speaker 3 (24:36):
You know what's interesting when people come in we put
the other balance sheet. We ask people come up piles
of piles of statements, right, and they go, well, this
is this one, this is my ra, there's my roth.
I think this is another one. I get, this is
another one, and then this is my checking and then
this is another one. They don't know what it does.
Is it taxable? Is a non taxable will? It is
a tax free?
Speaker 4 (24:54):
You know what does it do?
Speaker 3 (24:55):
Well?
Speaker 4 (24:56):
We put together a balance sheet for you. It's one page.
It's simple.
Speaker 3 (24:59):
We make the Maggie Plan simple and easy, if you'd understand,
that's what we call it. Why, because you deserve a
simple and easy plan for yourself, we can do that.
That's why we urge you to pick up the phone,
lean in, schedule time to meet with us. Eight three
three Maggie Tax, My gosh. I mean we help people
put this together and when they leave, they understand what
(25:20):
they have. If do you understand what you have? Many
people out there are saying I don't really know. Well
that's okay, but let's do something about it. Eight three
to three Maggie Tax.
Speaker 2 (25:29):
You know I mentioned before, you know, when one spouse passes,
what do you do? And I'll repeat it again, do nothing.
And we're offering this because if someone out there is
listening and maybe someone passed away, now is the time
to call us. Because this is not something to sell.
This is something to educate, and this is something that
you need to get the right answers to make it right.
Speaker 3 (25:47):
Let me clear, though you mentioned do nothing, do nothing,
but then you have to act right. So don't do nothing,
but don't make the stupid move. And what I mean
by that is you're gonna have people come in trying
to do transactional selling. Move this move that understand the process. First,
you got time. It took you nine months to get
into this world. You know it takes nine months before
you can do something. So if anything happens, you have
(26:10):
time on your side. If you're the beneficiary, especially if
you're kids. My gosh, pick up the phone, schedule time
to meet with us, because we can help you walk
through the process. Eight three three Maggie tax. So we
talked about what to do, the immediate decisions. We talked
about the financial cleanup, the titles, the beneficiaries, the iras,
social security, what stops right, Let's talk about the survivor's plan.
Speaker 4 (26:30):
What is that.
Speaker 2 (26:31):
Well, it's making sure that the spouse is protected and
not overwhelmed because if there's no planning, we talk about
what we do. You know, taxes and income planning, you know,
investment planning, legacy planning, of state planning. And if you're
not doing any of that, then you have a whole.
You have a hole that's going to create a bigger,
bigger hole. So when one spouse passes, everything changes, the income,
(26:52):
the taxes, the investments, the insurance, the requirement of distributions
if you have an IRA. And this is where Chris,
A lot of people get confused about diaries because Congress
change the laws when they did the secure erect Because
they write them in pencil and most of you probably
don't even know about it until you come in and say,
well I didn't know that, because you probably didn't. So Chris,
(27:12):
this is important that we sit down and talk to you.
We always say this, it's about education, and many of
you that know and have worked with us understand that's
what we do. We educate you first, and then you're
going to come to a decision or a solution that's
going to be right for you.
Speaker 3 (27:27):
Well, let's just say, you know you mentioned the surviving spouse. Well,
the surviving spouse needs clarity today, needs structure today, needs
a plan today. Right, that's what it's about.
Speaker 4 (27:40):
You know.
Speaker 3 (27:40):
We make sure that they're not left alone trying to
sort out a lifetime of financial decisions. And you can
think about your peers, you think about your neighbors. They're
going through these types of situations at your retirement park
or your retirement community. It doesn't have to be this way,
and that's why when you meet with us, we put
together a plan today. So when you leave and you
know that you have a quarterback and a team behind you,
(28:03):
that's a great feeling knowing that everything is taken care of.
Speaker 2 (28:06):
You know what's funny, we do the seminars for a month.
You can go to my website Maggie tex dot com.
They're all listed there. We do them at libraries and
the reason why we do that is to educate because
many times we do these events and they come back
up to me or Kurk or Sam or even Chris
and say, you know what, I wasn't going to come
to this event because that's probably the same thing over
and over. But they learn something that they have to
(28:27):
do something, and we get the appointment based on that.
Because when you understand what's going on and you get
a better you know, I guess what's the word. I'm
looking for clarity on it. You're going to make a
right decision. And I think the problem because many people
are pushed into decisions that they don't know. And I
say this many times. My dad used to say the
hell with it, and I would ask him what do
(28:48):
you mean by the hell with it? He said, well,
you know, I don't want to ask a stupid question.
But when my mother passed away, my dad had no
idea what my mother did. I say this at every seminar.
Some of you listening today are saying the same thing
that the husband doesn't understand what happens? Ask them, you know,
we get around. We asked this question, you know what
(29:09):
happens if something happens to me or something happens to you,
And you know what, Chris, The answer is, I don't know.
I guess you know your mom's going to take care
of it. That's not good enough because it's going to
create more problems than you want and you don't need
to be that way. So if you're listening today, you're driving,
maybe you're home, hanging out, whatever, the end of the
day is, let's do something. Let's put the other plan,
lean in, lean into what we're talking about today, because
that's what it's about, putting together a plan, and that's
(29:32):
what this conversation, that's why it matters. You know, losing
a loved one is already the hardest moment a family
can face, but losing them and then having to fight
through the financial confusion, the paperwork, the taxes, and the
difficult decisions, well, you know that's something no one should
ever go through alone. And there's many people out there
(29:53):
that will take advantage of this opportunity and you don't
need to go down that route. You know, if you're
listening right now, and you don't have a written plan
for what happens when one spouse passes, then you need
to do something. If you're unsure how accounts would transfer,
or who your spouse would turn to, or whether everything
is even titled correctly. Now is the time to take action,
(30:15):
not someday in the future when it's too late, So
pick up the phone. Call Maggie Tax and Wealth Advisors
schedule your complimentary family protection and legacy review. We'll show
you exactly what would happen now if something occurred tomorrow,
and what needs fixing today. No fear, no pressure, just
clarity and peace of mind.
Speaker 4 (30:34):
Call us now.
Speaker 3 (30:34):
Your family deserves this level of protection. Eight three to
three Maggie Tax.
Speaker 1 (30:45):
Stop funding Uncle Sam's retirement and start planning for your
own successful retirement. As we return to the Maggie Tax
Financial Show with your host Robert and Chris Maggie with
Maggie Tax and Wealth Advisors. For information on how you
can create a tech free retirement, Call eight three three
Maggie Tax or visit Maggie Tax dot com. Now your
(31:07):
host with Maggie Tax and Wealth Advisors, Robert and Chris Maggie.
Speaker 3 (31:11):
Welcome back to the MAGI Tax and Wealth Advisors Show,
and this is our final segment today and we're so
glad to be here because education is so important. But
you know what, lean in right now, because there's so
many things that we've been discussing throughout today's show Rothology.
We're talking about what to do on a loved one
passes investment planning, and I want you to lean in
and really understand this carefully because what we're about to
(31:33):
talk about separates true retirement planning from the generic advice
that most people get. There are advisors out there who
manage investments, advisors who prepare taxes, advisors who sell insurance,
advisors who do estate documents, but very few and I
mean a very few, actually bring it all together in
one coordinated plan. So let's talk about what we're discussing
(31:56):
right now and why it's so important for people to
just listen.
Speaker 2 (31:59):
In advisor, like Chris mentioned, handles one slice of your
financial life. You don't have a complete plan. You have
a collection of disconnected parts. And when life changes, and
it always does, you all know this, those missing pieces
become very expensive mistakes. And that's why this final segment
is all about the difference between working with an advisor
(32:20):
and working with a complete planner who does complete planning.
So your money doesn't live in silos, so your planning
shouldn't either. Investments affect taxes, Taxes affect income, Income affects medicare.
Medicare affects your cash flow. Estate planning affects everything. So
(32:40):
if these pieces aren't working together, they're working against you
and Chris. That's the problem.
Speaker 3 (32:46):
You know, take a deep breath here, because I'm listening
to you what you just said. You said a lot
of great points here. Investments affect tax as you said,
I think you said, taxes affect income, and estate planning
affects everything. My gosh, so domino effect. So why would
someone just want to work with an advisor who's just
managing their own money.
Speaker 2 (33:05):
Because that's what we were taught And I mentioned that before.
I'm older than you, and there are people out there
older than you as well, but this is what we
were taught. And I have to tell you. You break the
bubble when people come in because we surprise them go like, well, gee,
my guy doesn't talk about it. You know, when I
ask people, why don't you go back and ask them
why you didn't tell you because they should. That's their responsibility, Chris,
(33:26):
to educate, not to sell a stock bond on a
mutual fund. So that's wrong.
Speaker 3 (33:31):
Yeah, So I and I know you feel the same
because it's all work together and doing this. I think
we think it's the service if I do. If an
advisor's out there just says, well, I don't do taxes,
I don't do medicare, I don't I don't deal with
anything without incomplaining. I just deal with investments and managing money.
Time out, like, what are we doing?
Speaker 4 (33:49):
How many?
Speaker 3 (33:50):
How many accounts have we seen people that said, I've
worked with my advisor for so many years? And then
we ask them what we have a will and a
trust with together right in the state documents?
Speaker 4 (33:58):
They go, we don't have that. What does that mean?
Isn't it a dis service?
Speaker 2 (34:03):
And part of it's going to be because that's all
they can do and that's all they want to do.
And years ago I got into this business because I
started with medicare and then I started with life insurance,
and I kept getting questions, Hey Bobby, why don't you
do investments, Hey Bobby, why don't you do a state planning?
And there were answers that I had to legitimately give
because I was an investment advisor at that point. I'm
not an attorney, which is fine, but why can't you
(34:24):
at least educate them, Chris and lead them in the
right direction, which is what we do every single day.
Speaker 3 (34:28):
Well, I set and you know we're talking about most
advisor only focus on one area, and that's where the
gaps can cost you. So one advisor handles investments, another
files or taxes and other sales, insurance and other drafts,
legal documents, but none of them talk to each other.
That's how families end up with missed roth opportunities. We
talked about rothology before in the first segment. Tax surprises,
(34:49):
improper beneficiaries, and plans that fall apart, the moment of
spouse passes away unbelievable.
Speaker 2 (34:54):
And you know what that falls on us too, because
the education isn't there. And you say this a lot
when it was the last time we were taught about
and this is going to be silly balancing a checkbook.
Well we don't need to now.
Speaker 3 (35:06):
Man, but you know what, We're in a yoo economy.
And here's what I'm saying. You're on your own right
and the end of the day, you got to do something.
So if you're listening today and you're listening saying, you're
shaking your head up and down, saying you're right, and
you're right, you're right, and pick up the phone, schedule
time to meet with us, because you deserve a second opinion.
Eight three three Maggie Tax. Eight three three Maggie Tax.
Speaker 2 (35:24):
So a complete planner, as we're talking about, coordinates every
part of your life today and long after you're gone.
So let's talk what a complete planner handles. Taxes. We
do that, investments, we do that income planning specialty in
that Roth convergence. We just talk about rothology because many
of you don't know how to pay less tax and
no tax. And if your advisor is not talking about it,
(35:45):
it's because he doesn't understand it. Social Security, medicare, a
state and legacy planning. I told you before. Go to
our website Maggie Tax dot com. Register for our seminars.
We do four a month all over Panels and Hillsborough
County in Sarasota. Also, and like I said, every time
people come, they say, I am so glad I attended.
What about survivor planning. Does any of your advisors or
(36:07):
tax people you know, talk about survival planning. A lot's
going to happen there. What about risk management? Chris mentioned
it before, Maybe your risk has changed over time. So
everything one team, one plan, one clear roadmap. And that's
the difference between guests work and real retirement planning. Christ
And you know what, I'm so glad we do what
we do because it's.
Speaker 3 (36:27):
Worked, and it's not it only just worked. It's helped
so many families out there. You know, we do our
employee gathering and and one of the things we start
off as with at the end of the year is
how many families we've helped. And that is that is
true to our hearts because we give back and at
the end of the day, we're helping families out there,
you know, one family at a time with their income
(36:47):
playing and their tax planning, their investment planning, their estate planning.
You know what to do when when when a spouse
passes away, who do they call immediately us? That's a
beautiful thing. So a three three Maggie tax. So at
the end of the day, day retirement is just too
important to leave the chance the stakes are too high,
the rules are just too complex, and the consequences of
poor planning show up when it's just too late to
(37:11):
fix them. If you don't have a complete plan, you
have pieces of scattered that across different advisors, or if
you simply want to know whether everything in your financial
life actually works together, this is your moment to take action.
Give us a call Maggie Tax and Wealth Advisors right now,
schedule a complete planning review. Eight three three Magi Tax
(37:32):
and Wealth Advisors. We'll look at your taxes, your investments,
your income, your estate, documents, beneficiaries, all of it, and
we'll show you in a simple English way, what's working,
what's missing, and what needs to be fixed. There's no guessing,
there's no hoping, there's no blind spots, just a real
plan for real life. If this is on your mind,
(37:54):
lean in right now, pick up the phone, call us now.
Your future deserves complete planning and so there's your family
A three three Maggie Tax that's eight three to three
Maggie Tax Schedule time and meeting with us today.
Speaker 1 (38:09):
Thank you for listening to Maggie Tax and Financial Show
with Robert and Chris Maggie of Maggie Tax Wealth Advisors
listen here five to six pm every Saturday, and from
eleven am till noon every Sunday, or anytime on the
free iHeartRadio app. And remember you can pay less tax
with Maggie Tax Program content provided by Maggie Tax Wealth
(38:30):
and Advisors. Call them at eight three three Maggie Tax,
or visit them online at maggietax dot com
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Betrayal Weekly
Betrayal Weekly is back for a new season. Every Thursday, Betrayal Weekly shares first-hand accounts of broken trust, shocking deceptions, and the trail of destruction they leave behind. Hosted by Andrea Gunning, this weekly ongoing series digs into real-life stories of betrayal and the aftermath. From stories of double lives to dark discoveries, these are cautionary tales and accounts of resilience against all odds. From the producers of the critically acclaimed Betrayal series, Betrayal Weekly drops new episodes every Thursday. If you would like to share your story, you can reach out to the Betrayal Team by emailing them at betrayalpod@gmail.com and follow us on Instagram at @betrayalpod and @glasspodcasts. Please join our Substack for additional exclusive content, curated book recommendations, and community discussions. Sign up FREE by clicking this link Beyond Betrayal Substack. Join our community dedicated to truth, resilience, and healing. Your voice matters! Be a part of our Betrayal journey on Substack.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com