{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retirement Answer Man","title":"Retirement Year End Planning: Contributing to Assets","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/bdaa1dae\"></iframe>","width":"100%","height":180,"duration":2320,"description":"Join us as we dive into year-end financial planning strategies to optimize your retirement plan. This episode unpacks the essentials of contributing to various accounts like 401(k)s, IRAs, Roth IRAs, HSAs, and donor-advised funds before the year ends. We also discuss Roth conversions and answer listener questions about IRMAA brackets and required minimum distributions. Plus, hear a special tribute to veterans, featuring the first mission of Roger’s grandfather, a WWII bomber pilot. Don’t miss this comprehensive guide to maximizing your retirement savings and honoring those who served!\n\nSMART PLANNING SEGMENT\n(01:01) Rock Retirement Club is having its last open enrollment for the year.\n(02:26) This month the theme has been to look at year end planning items in order to optimize your plan of record.\n(03:40) This week we focus on contributing to assets between now and the end of the year. We will start off by discussing contributing to your 401K account.\n(05:30) The second thing we want to look at is contributing to an IRA or Roth IRA.\n(08:37) The next account you might consider contributing to is your health savings account.\n(10:07) Another thing you might consider contributing to is a donor advised fund or any type of charity.\n(15:03) The next one I’ll talk about today is 529 education plans.\n(17:00) Another account you might want to contribute to is your after tax investment account.\n\nLISTENER QUESTIONS\n(20:00) Roger talks about 51 missions that his grandfather flew during World War II in honor of Veterans Day.\n(21:10) Reid is concerned about IRMAA in 2026 regarding Roth conversions.\n(24:35) David asks a question about projected required minimum distributions for Roth conversions.\n(28:30) Joe asks about tax brackets and Roth conversions.\n(31:13) Denise says the more she reads about Roth conversions, the more confused she gets. \n\nSMART SPRINT\n(35:00) If you want to try to do some optimization, grab the worksheets from Six Shot Saturday and go through the lists.\n...","thumbnail_url":"https://img.transistorcdn.com/ZpX_mjyJlNc9EkcOXxrNJpkZJfbQBcKxxEeVTSEjAo4/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zZWM3/NGVlZDE5ZDYyZGY1/MjJlZWUzMmIzODM1/ODlkNS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}