A Considerate Retirement

A Considerate Retirement is a calm, practical podcast for people approaching or in retirement — hosted by Joshua Mangoubi, CFA, founder of Considerate Capital, a fee-only fiduciary. Each episode takes one real retirement question — drawing down savings, Roth conversions and the tax window, what your bonds are actually for, the psychology of spending after a lifetime of saving — and turns it into a useful, unhurried conversation. Markets matter; behavior matters more. Full transcripts and show notes at consideratecapital.com/podcast. This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results. All strategies involve risk, including the potential loss of principal. Please consult your own tax, legal, and financial advisors regarding your specific situation.

A Considerate Retirement is a general podcast hosted by Unknown Host, with 0 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts A Considerate Retirement, a general show with 0 episodes published.

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  A Considerate Retirement

  What needs you, and when.

  Aug 3, 202612 minS0

  After a spouse dies, the question is rarely what needs doing; it is what needs doing now. This checklist sorts the first year the way life actually asks for it: keep money moving this week, make one good call to Social Security, work through the phone list this month, see the attorney this season, and let everything irreversible wait. Full transcript and show notes: https://consideratecapital.com/podcast/checklist-after-losing-a-spouse This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a registered investment adviser in Illinois. Past performance does not guarantee future results...

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  A Considerate Retirement

  The widow's penalty.

  Jul 27, 202612 minS0

  What is the widow's penalty? After one spouse dies, the survivor usually files taxes as a single person, with a standard deduction about half as large and brackets about half as wide, so a similar income is taxed more heavily. One Social Security check also stops, and Medicare can charge more. The penalty cannot be erased, but most of what softens it has to be done while both spouses are alive. Full transcript and show notes: https://consideratecapital.com/podcast/the-widows-penalty This content is for educational purposes only and is not investment, tax, or legal advice. Considerate Capital is a...

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  A Considerate Retirement

  When the blues does not lift.

  Jul 27, 202614 minS0

  The low that arrives in the first year or two of retirement is usually the ordinary blues, and the honest evidence is reassuring: retirement is not a reliable cause of depression, and for many people it leaves their mental health unchanged or better. But for a smaller group the low is not the blues at all, and the difference is less about how far down it goes than whether it moves at all. This is how to tell the ordinary dip from clinical depression, why depression in later life is so often missed and written off as aging, and why...

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  A Considerate Retirement

  The trust that bets on your marriage.

  Jul 27, 202611 minS0

  Is a spousal lifetime access trust (SLAT) worth it? A spousal lifetime access trust lets one spouse move up to $15 million out of both estates while the other spouse can still draw on it, which keeps the household's standard of living intact. The price is paid elsewhere: the gift is irrevocable, access ends with death or divorce, heirs give up the step-up in basis, and a his-and-hers pair must survive the reciprocal trust doctrine. Weighing those honestly is the whole decision. Full transcript and show notes: https://consideratecapital.com/podcast/slat-pros-and-cons This content is for educational purposes only and is...

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  A Considerate Retirement

  The four-million-dollar line.

  Jul 27, 202610 minS0

  Can you plan around the Illinois estate tax? The federal estate tax now starts at $15 million, but Illinois draws its own line at $4 million, with no portability between spouses and a computation that taxes the whole estate once you cross it. An ordinary house, retirement accounts, and a life insurance policy clear that line more often than people expect. The softening tools are old and reliable: trusts that preserve both spouses' exclusions, lifetime gifts, insurance owned outside the estate, and honest counting before any of it. Full transcript and show notes: https://consideratecapital.com/podcast/avoiding-the-illinois-estate-tax This content is for...

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