It’s not just what you invest in, it’s where you invest it that makes the difference.

In this episode of That Financial Guy Show, I break down how to use different types of accounts: 401(k)s, IRAs, Roth IRAs, and brokerage accounts, to maximize growth and minimize taxes.

You’ll learn:

• How each account is taxed and why that matters.
• Why mutual funds in a brokerage account can create surprise tax bills.
• How one big index fund in a brokerage account could limit tax-loss harvesting.
• Why Roth accounts should be your pure growth engine.
• Which investments fit best in 401(k)/IRA accounts vs. Roth vs. brokerage.

This is the overlooked strategy called asset location, aligning investments with the right account type. Get it right, and you can grow wealth faster and keep more of what you’ve earned.

🎧 Tune in now to make sure your money is working smarter across every account you own.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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📝 Get your Free Retirement Plan checkup
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Most retirement planning advice is about saving enough. But what happens when you’ve saved, you’re ready to retire… and you still can’t bring yourself to spend?

In this episode of That Financial Guy Show, I dive into the surprising psychology of spending in retirement. You’ll hear:

• Why many retirees feel guilty about spending—even when the numbers say they’re fine.
• The three biggest behavioral traps: fear of running out, lifestyle guilt, and market anxiety.
• How a financial plan acts like a permission slip to enjoy your money.
• Real client stories of moving from fear to confidence.
• Practical strategies to balance living today while preparing for tomorrow.

Because the truth is, retirement isn’t just about having money—it’s about having the freedom to enjoy it without regret.

🎧 Listen now and learn how to turn your plan into confidence and your savings into a life well-lived.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...

Everywhere you turn these days, people are talking about Roth conversions like they’re the ultimate retirement hack. But from what I’ve seen in working with real families, the truth is… Roth conversions can be overrated.

In this episode of That Financial Guy Show, I share real stories from my own clients — times when a Roth conversion made sense, and times when it would have been a costly mistake.

You’ll hear about:

• A client who almost converted in his peak earning years (and why that would’ve been a tax disaster).
• A retiree who thought she needed to convert late in life (but the math said otherwise).
• A couple ready to convert, but who didn’t realize paying the tax out of their IRA killed the benefits.
• Families who did get it right — using gap years before Social Security and big IRAs that would’ve caused huge RMDs later.

Here’s the bottom line: Roth conversions are a tool, not a cure-all. For some people, they’re brilliant. For others, they’re unnecessary and expensive.

If you’ve ever wondered, “Should I be doing a Roth conversion?” this episode will give you the clarity you need.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...