Wealth Over Taxes

In this episode of Wealth Over Taxes, Kevin Sullivan and Chip Detty discuss essential financial strategies for retirees and pre-retirees as the year-end approaches. They cover critical topics such as Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), tax-efficient strategies like Roth conversions, and the importance of creating a sustainable income plan for retirement. The conversation also emphasizes...

In this episode of Wealth Over Taxes, Kevin Sullivan and Gary Nolan discuss the complexities of retirement planning, emphasizing the importance of understanding healthcare costs, inflation, and required minimum distributions. They highlight the need for a comprehensive plan that prioritizes the individual's financial security, especially for those starting late in their retirement journey. The conversation also touches on the emoti...

In this episode, Kevin Sullivan and Robin Whitlock discuss the critical elements of retirement planning, emphasizing the need for a personalized approach that considers lifestyle, longevity, and legacy. They explore the importance of understanding Social Security, healthcare costs, and required minimum distributions (RMDs). The conversation also highlights common retirement mistakes and offers practical solutions for real-world sce...

In this conversation, Kevin Sullivan and Robin Whitlock discuss the importance of comprehensive retirement planning, emphasizing the need for a long-term perspective that extends to age 95 or beyond. They cover various aspects of retirement, including income sources, long-term care, healthcare expenses, and the impact of personal challenges such as divorce and cognitive decline. The discussion highlights the necessity of having a w...

In this episode of Wealth Over Taxes, Kevin Sullivan and Robin Whitlock discuss the critical phase of decumulation in retirement planning. They emphasize the importance of having a structured withdrawal strategy, addressing major risks such as sequence of returns, longevity, inflation, and health care costs. The hosts also highlight the need for a customized decumulation plan that aligns with individual lifestyles and values, while...

In this conversation, Robin Whitlock emphasizes the importance of guiding clients towards a secure and independent retirement. He discusses the transformative nature of taking the first step in financial planning and encourages listeners to reach out for assistance. The dialogue highlights the passion for client support and the opportunities available for those seeking a fresh start in their financial journey.

Reach out to Kevin an...

The conversation explores the significant transition individuals face when moving from a long career to retirement. It highlights the challenges of managing time and finding fulfillment after decades of structured work life. The speakers emphasize that the primary struggle for many is not financial but rather how to fill their time meaningfully after leaving the workforce.

Reach out to Kevin and Robin at 800-757-6062 or https://www...

In this episode, Gary Nolan, Robin Whitlock, and Kevin Sullivan discuss the multifaceted aspects of retirement planning, emphasizing the importance of emotional readiness, financial organization, and the need for a comprehensive plan. They explore how to prepare for the transition from working life to retirement, the significance of aligning goals with a partner, and the impact of legacy planning. The conversation also highlights t...

In this conversation, Kevin Sullivan and Robin Whitlock discuss the complexities of transitioning from a paycheck-based income to retirement income, emphasizing the importance of having a structured retirement plan. They delve into the behavioral aspects of financial management, the pitfalls of retirement tax traps, and the significance of estate planning. The discussion also covers the roles of wills and trusts in estate planning,...

In this episode of Wealth Over Taxes, Kevin Sullivan and Chip Detty discuss the complexities of retirement planning, focusing on the often-overlooked tax implications of Social Security, Required Minimum Distributions (RMDs), and inheritance. They emphasize the importance of proactive tax planning and comprehensive income strategies to ensure a secure retirement. The conversation also covers the impact of the Secure Act on estate p...

In this episode of Wealth Over Taxes, Kevin Sullivan and Robin Widlock discuss the importance of early retirement planning, the challenges retirees face, and the significant wealth transfer expected from baby boomers. They emphasize the need for strategic planning to manage taxes, especially with required minimum distributions (RMDs) and the implications of the Secure Act on inheritance. The hosts also address listener questions ab...

In this episode of Wealth Over Taxes, Kevin Sullivan and Robin Whitlock discuss various aspects of retirement planning, focusing on the emotional and financial challenges faced by retirees. They delve into the rising trend of gray divorce, the importance of emotional identity in financial planning, and the legal nuances of property division. The conversation also covers the critical mistakes to avoid regarding Required Minimum Dist...

In this episode, Kevin Sullivan and Robin Whitlock discuss the unique challenges faced by Generation X as they approach retirement. They explore the importance of having a clear income strategy, effective tax management, and healthcare planning. The hosts debunk common retirement myths and provide insights on navigating retirement timing for couples. They also address listener questions, offering expert advice on various retirement...

In this conversation, Kevin Sullivan and Robin Whitlock discuss various aspects of retirement planning, focusing on the importance of charitable giving, tax efficiency, and income strategies. They explore the joy of giving back, strategies for charitable contributions, and the implications of the 4% rule in today's financial landscape. The hosts emphasize the need for personalized income plans and address listener questions regardi...

In this episode of Wealth Over Taxes, Kevin Sullivan and Robin Whitlock discuss the multifaceted aspects of retirement planning, including the emotional and financial transitions into retirement, the importance of understanding risk tolerance, advanced tax strategies like Roth conversions, and the implications of starting a business in retirement. They also address listener questions about optimizing withdrawal strategies and chari...

In this episode of Wealth Over Taxes, Kevin Sullivan and Robin Whitlock discuss essential strategies for retirees to manage their tax burdens and make informed financial decisions. They emphasize the importance of having a comprehensive income plan, understanding the implications of Roth conversions, and preparing for market corrections. The conversation also highlights the unique challenges faced by baby boomers as they transition...

In this episode, Robin Whitlock and Gary Nolan discuss the evolving landscape of retirement planning, emphasizing the need to rethink traditional strategies. They explore common myths, such as the mortgage payoff myth, and the sustainability of fixed income in retirement. The conversation also covers the downsizing dilemma, the dangers of raiding retirement savings, and the critical importance of estate planning. Listeners are enco...

In this conversation, Kevin Sullivan and Gary Nolan discuss the evolving landscape of retirement planning, emphasizing the importance of mental engagement and personalized financial advice. They explore the role of AI tools like ChatGPT in assisting retirees, the significance of budgeting, and the impact of biological aging on financial decisions. The discussion also addresses the challenges of retirement in America, including the ...

In this episode of Wealth Over Taxes, Kevin Sullivan and Robin Whitlock discuss the evolving landscape of retirement planning for high net worth individuals. They emphasize the need for customized strategies in light of changing tax laws, rising healthcare costs, and the importance of proactive planning for business owners. The conversation also covers the implications of Secure 2.0, the role of private equity in retirement account...