Retirement Institute

Retirement Under Pressure 7-11-26

Mon, 13 Jul 2026 23:50:00 -0300

Whether or not we say it out loud or see it the news, American savers can feel it. Pressure.
Pressure from the global unrest.
Pressure from the market and economy.
Pressure from inflation, taxes, and uncertainty.
In this episode, the Retirement Institute tackles each of these and discusses common sense, actionable steps savers can consider to alleviate that pressure and turn into "lift".

8 Keys to Roth Conversions 6-27-26

Mon, 22 Jun 2026 23:51:41 -0300

Roth conversions aren’t about avoiding taxes — they’re about deciding when, how, and at what rate you’ll pay them. Too many people focus on the micro view: “How much tax will this cost me this year?” A better question is, “How will this decision impact my entire retirement?”

Strategic conversions can create decades of tax-free income, reduce or eliminate required minimum distributions, lower Medicare premiums and Social Security taxation, and provide insulation from future tax increases. Yes, there can be short-term friction — higher taxable income or temporary IRMAA surcharges — but for many households, those are time-boxed issues in exchange for long-term control, certainty, and tax-free wealth.

The Tax Columns and Asset Location 6-20-27

Mon, 22 Jun 2026 23:50:16 -0300

More important than your asset allocation is your asset location. There are only 3 columns (categories) of financial vehicles:

Taxable

Tax-deferred

Tax-free

Before deciding what your allocation should be, you must decide where you want your assets to live. There is a perfect balance for each saver. In this episode, we dive into the advantages and disadvantages of each column, the proper uses of the assets that make up in column, and how to strategically transfer taxable and tax-deferred assets to the tax-free column.