Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®

Planning Retirement Smarter. Living Retirement Better. With Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP® of True Wealth Design. #Retire #Stocks #Investing #401k #IRA #CFP #TrueWealthDesign. Contact at https://www.truewealthdesign.com/ or by calling 855-893-7526.

Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP® is a business podcast hosted by Kevin Kroskey, with 221 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.

Kevin Kroskey hosts Retire Smarter with Kevin Kroskey, CFP® & Tyler Emrick, CFA® CFP®, a business show with 221 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #227

  Retiring in 2027? Don't Pick Your Retirement Date Until You Check These 7 Things

  Sep 10, 202619 min

  Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Thinking about retiring in 2027? Before you pick your last day of work, there are several financial planning opportunities worth considering. Your exact retirement date can affect more than just your final paycheck. Bonuses, pension benefits, employer retirement contributions, health insurance, Medicare, taxes, Social Security, and even Roth conversion opportunities can all be influenced by when you leave your employer. In this episode, Tyler Emrick, CFA®, CFP®, walks through seven things to consider before deciding exactly when to retire. In this episode, Tyler covers: Why your retirement date shouldn't be chosen arbitrarily. Bonuses, stock compensation, pension milestones, and other benefits you could leave behind. How your final paychecks can potentially be used to maximize 401(k) and HSA contributions. Why employer matching and true-up provisions matter. How to bridge health insurance between work and Medicare. Why retiring in December versus January or February can produce different tax-planning opportunities. Why retiring from work and starting Social Security or a pension don't have to happen at the same time. How to balance financial optimization with actually being ready to retire. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

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  Episode #226

  Think You're Maxing Out Your 401(k)? The 2026 Rules Just Got More Complicated

  Sep 3, 202619 min

  Think you're on track to max out your 401(k) this year? The answer may be more complicated than you think. New rules took effect in 2026, requiring certain higher-income workers to make their catch-up contributions as Roth contributions. But employers and retirement plan providers aren't all handling the process exactly the same way. In this episode, Tyler Emrick, CFA®, CFP®, explains what changed and why this is a good year to take a closer look at your employer retirement plan before year-end. In this episode, Tyler covers: The 2026 401(k) contribution and catch-up limits. Who is affected by the new mandatory Roth catch-up rule. Why different employer plans may handle catch-up contributions differently. How to determine whether you're actually on pace to maximize your contributions. Why employer matching and true-up provisions should be part of the calculation. How after-tax 401(k) contributions can allow some employees to save substantially more. How after-tax contributions may be converted to Roth through a Mega Backdoor Roth strategy. Why your employer retirement plan deserves an annual checkup. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

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  Episode #225

  You Just Inherited Money. Now What?

  Aug 27, 202626 min

  You just received an inheritance. Now what? Before you sell investments, take distributions, pay off debt, or make a major purchase, it's important to understand exactly what you've inherited and the tax rules that come with it. In this episode, Tyler Emrick, CFA®, CFP®, walks through the biggest financial decisions that can come with an inheritance and explains why some seemingly simple moves can create unintended tax consequences. In this episode, Tyler covers: What to do first after receiving an inheritance. Why you shouldn't immediately liquidate inherited assets. Tax considerations for inherited brokerage accounts, IRAs, Roth IRAs, annuities, and real estate. How inherited IRA distribution rules can create tax planning opportunities. Why you shouldn't automatically keep the investments you inherit. How an inheritance can create an opportunity to rethink asset allocation and asset location. How an inheritance could change your retirement, tax, estate, and spending plans. Our website: https://www.truewealthdesign.com/ Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ Schedule your no-cost discovery call: http://bit.ly/calltruewealth Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/ Facebook: https://www.facebook.com/TrueWealthDesign/ LinkedIn: https://www.linkedin.com/company/true-wealth-design/ X: https://x.com/truewealthdesgn Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

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  Episode #222

  The Most Important Investment Decision Isn't What You Think

  Aug 13, 202618 min

  Most investors spend their time deciding what investments to own. Far fewer spend time thinking about where those investments should be held. In this episode, Tyler Emrick, CFA®, CFP®, breaks down one of the most overlooked tax planning strategies in retirement: asset location. Using research from Vanguard, Tyler explains how placing the same investments in different accounts—taxable, traditional IRA/401(k), and Roth—can improve after-tax wealth without taking additional investment risk. In this episode, Tyler covers: What asset location is—and why it's different from asset allocation. Vanguard's research on improving after-tax returns. Where different investments generally belong. Why Roth accounts deserve special consideration. Common mistakes investors make when organizing their portfolios. Why asset location should evolve throughout retirement. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Our website: https://www.truewealthdesign.com/ Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ Schedule your no-cost discovery call: http://bit.ly/calltruewealth Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/ Facebook: https://www.facebook.com/TrueWealthDesign/ LinkedIn: https://www.linkedin.com/company/true-wealth-design/ X: https://x.com/truewealthdesgn Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

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  Episode #223

  Why Are Retirees So Afraid to Spend Their Money?

  Aug 6, 202620 min

  Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth Many retirees spend decades building wealth, only to struggle with using it once they retire. If you've ever wondered, "Can we really afford this?" or found yourself hesitating to spend despite being financially secure, you're not alone. In this episode, Tyler Emrick, CFA®, CFP®, discusses why so many retirees struggle to spend confidently and how ongoing financial planning provides clarity around life's biggest financial decisions. Through real client stories, Tyler explains how retirement planning goes far beyond managing investments—it's about helping people confidently use the wealth they've spent a lifetime building. In this episode, Tyler covers: Why nearly 40% of retirees struggle to spend their savings. The shift from saving for retirement to spending in retirement. Real client stories about relocating and helping adult children financially. Why regular planning reviews create confidence. How a good advisor helps clients evaluate options and make better financial decisions. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth Our website: https://www.truewealthdesign.com/ Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ Schedule your no-cost discovery call: http://bit.ly/calltruewealth Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/ Facebook: https://www.facebook.com/TrueWealthDesign/ LinkedIn: https://www.linkedin.com/company/true-wealth-design/ X: https://x.com/truewealthdesgn Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

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