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!
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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:
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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!
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📝 Get your Free Retirement Plan checkup
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Most people think saving for retirement is simple: load up the 401(k), defer taxes, and let it grow. But here’s the truth when Required Minimum Distributions (RMDs) hit, Uncle Sam may take a bigger bite than you expect.

In this episode of That Financial Guy Show, I break down:

• Why putting everything into a 401(k) can backfire in retirement.
• The Go-Go, Slow-Go, and No-Go years of retirement spending—and why your healthiest years matter most.
• Real client stories where updating the financial plan changed everything.
• Overlooked wealth strategies like Roth conversions, brokerage accounts, and smart debt reduction.

Retirement isn’t just about having money—it’s about having flexibility and freedom to enjoy life while you can.

👉 Whether you’re 10 years from retirement or already thinking about RMDs, this episode will give you practical strategies to retire smarter, spend with confidence, and avoid costly mistakes.

Helping you to be wise with your money!
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Two people, same age and income, but very different retirement outcomes—what made the difference? It wasn’t luck—it was strategy. In this video, I break down the five essential moves to make in the final five years before retirement. From maximizing savings and designing a steady income plan, to shielding yourself from market dips, optimizing taxes, and envisioning your ideal lifestyle—this is your blueprint to retire confidently and on your own terms. Don’t let indecision or poor planning derail your future. Listen to this episode to take control of your retirement game plan.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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Are you wondering if you’re truly ready to retire? In this episode, we explore the 8 key signs you’re ready to retire, covering everything from financial planning and health insurance to emotional readiness and lifestyle goals.

Whether you're in your 50s or early 60s and asking, “Can I retire soon?”—this episode breaks down:

• How to tell if burnout and stress are signs it’s time to retire
• Why emotional and mental readiness are just as important as money
• The importance of retiring to something meaningful
• What a solid retirement plan and withdrawal strategy really look like
• How to manage health insurance before Medicare
• Why paying off debt before retirement can make or break your plan

If you’re planning to retire in the next few years—or just thinking ahead—this is a must-listen for anyone who wants to retire with confidence.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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In this episode of That Financial Guy Show, I breakdown the massive new legislation known as The One Big Beautiful Bill—without the politics, just the financial facts.

What’s permanent? What’s temporary? And most importantly… how does this affect your bottom line?

We cover:

• Permanent tax cuts (and what that really means)
• Bigger standard deductions—especially for seniors
• The new "Senior Bonus Deduction"
• SALT cap changes and estate tax updates
• Tax-free tips and overtime (yes, seriously)
• What’s happening with Social Security taxes
• Trump Accounts for kids—what they are and how they work
• Which provisions are helpful… and which come with strings attached

Some of these changes are great. Others? Not so much. And a lot of them expire in just a few years.

If you’re planning for retirement, paying off debt, saving for your kids, or just trying to keep more of what you earn—this episode is for you.

📌 No politics. Just practical insights.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
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🕖 It’s Sunday night. Time for... The Bottom Line.

Tonight’s story starts in a garage.

Two friends. One big idea.
And the company that would put a computer in every home.

But just as fast as it all rose…
He was out.
Fired from the very company he built.

Most people would’ve disappeared.
He got better.

Started over. Bought a little animation studio you might have heard of — Pixar.
And then… found his way back

What came next?
Well… you’re probably holding it in your hand.

🎧 Press play and hear the true story of the ultimate comeback.

“The Garage” — a new episode of The Bottom Line

👇 Audio below.

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
https://wfa-nc.com/retirement-plan-ch...

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