Root Talks: Introducing the New Root Retirement Community

Ready For Retirement

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State Secrets: Inside The Making Of The Electric State

1
The Secret To Getting Inspired: Millie Bobby Brown & Chris Pratt Go Behind The Scenes 21:04

5 days ago21:04

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21:04

Step into the mysterious and visually stunning world of The Electric State as host Francesca Amiker takes you behind the scenes with the creative masterminds who brought Simon Stålenhag’s dystopian vision to life. In this premiere episode, directors Joe and Anthony Russo, stars Millie Bobby Brown and Chris Pratt, writers Christopher Markus and Stephen McFeely, and producers Angela Russo-Otstot and Chris Castaldi reveal how they transformed a haunting graphic novel into an epic cinematic experience. Watch The Electric State coming to Netflix on March 14th. Check out more from Netflix Podcasts . State Secrets: Inside the Making of The Electric State is produced by Netflix and Treefort Media.…

about a year ago 15:48

MP3•Laman utama episod

Join the new Root Collective HERE!

Retirement isn’t just about having enough money—it’s about making the most of it. That’s why we’re launching a new retirement community designed to go beyond financial planning. Sure, we’ll cover investing, tax strategies, and estate planning, but we’re also creating a space to talk about the things that make retirement fulfilling—connection, travel, health, and purpose.
Inside, you’ll be able to engage with like-minded peers, get expert insights, and explore ideas to shape the next chapter of your life. We’ll have guest speakers, live events, and interactive discussions to help you feel confident in your planning and inspired about what’s ahead.
Root clients get free access, and for everyone else, it’s $50 per month—early adopters can join for just $20. If you’re looking for more than just financial advice, we’d love for you to be part of it.
Submit your request to join James:
On the Ready For Retirement podcast: Apply Here
On a Retirement Makeover episode: Apply Here
Timestamps:
0:00 - A new retirement community
2:56 - Sharing experiences, creating initiatives
4:22 - Goal: best possible retirement
5:36 - Who is this for?
7:07 - Why join?
10:17 - Pricing
12:13 - The power of community

Create Your Custom Strategy ⬇️

Get Started Here.
Join the new Root Collective HERE!

Bab

1. Roots New Retirement Community Launch (00:00:00)

2. Financial Community for Retirement Planning (00:06:04)

3. Financial Disclaimer for Retirement Podcast (00:14:48)

274 episod

#Trading #Business #Podcasting Education #James Conole, CFP® #James Conole #Retirement Planning #Investing #Tax Planning #Investment Planning #Retirement #Dividend Investing #Stock #Bond #Cash

Root Talks: Introducing the New Root Retirement Community

Ready For Retirement

41 subscribers

published about a year ago

Kongsi

MP3•Laman utama episod

Create Your Custom Strategy ⬇️

Get Started Here.
Join the new Root Collective HERE!

Bab

1. Roots New Retirement Community Launch (00:00:00)

2. Financial Community for Retirement Planning (00:06:04)

3. Financial Disclaimer for Retirement Podcast (00:14:48)

274 episod

#Trading #Business #Podcasting Education #James Conole, CFP® #James Conole #Retirement Planning #Investing #Tax Planning #Investment Planning #Retirement #Dividend Investing #Stock #Bond #Cash

Semua episod

Ready For Retirement

1
Your Roth IRA Could be Locked For 5 Years. Here's Why 12:28

22 hours ago12:28

12:28

Roth IRAs are a great way to build tax-free retirement income—but the withdrawal rules can be tricky. In this video, I’ll break down the five-year rules, how contributions, conversions, and growth are treated, and smart strategies to avoid unnecessary taxes. Understanding these rules can help you make the most of your Roth IRA and keep more of your money tax-free. Let’s dive in! Questions answered? 1. When can you withdraw money from a Roth IRA without paying taxes or penalties? 2. How do the two different five-year rules for Roth IRAs affect withdrawals? Questions answered? 1. When can you withdraw money from a Roth IRA without paying taxes or penalties? 2. How do the two different five-year rules for Roth IRAs affect withdrawals? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - The 5-year rule 1:09 - Contributions 3:39 - Conversions 5:36 - Growth 6:51 - An example 8:55 - Conversions before 59.5 years 10:23 - Summary Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Root Talks: How Do Smart Retirees Handle Big One-Time Expenses? 18:58

6 days ago18:58

18:58

Root Collective member Gary asks how to fund a $40K home remodel before retiring—should he use a taxable brokerage account, tax-deferred 401(k), Roth IRA, or cash? Ari and I break down how to handle big one-off expenses into a three-part framework: Portfolio Sustainability – Can your investments handle both recurring and one-time expenses? Investment Allocation – Ensure your assets are positioned to avoid selling at a loss. Tax Optimization – Withdraw strategically to minimize lifetime taxes. The key? Plan ahead, align financial decisions with long-term goals, and make the most of your retirement funds. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Gary R's question 2:52 - Can your retirement support it? 4:43 - How should investments be allocated? 6:28 - Have a tax strategy 8:54 - A caution; a reminder about sleep 12:03 - Intentionally set aside 14:23 - Mental hang-ups and biases 16:37 - The Collective Community Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
The Best Retirement Spending Stories I've Heard This Year 11:29

8 days ago11:29

11:29

Are You Spending Your Money on What Truly Matters? A few weeks ago, I challenged you to do the most important thing you can with your money this year—not Roth conversions, not optimizing Social Security, but something far more impactful: aligning your spending with what truly brings you joy. I asked you to write down one thing you've always wanted to do or buy but haven't, set a date to make it happen, and identify where the funds would come from. In today’s episode, I’m sharing some of the incredible responses I received—stories of travel, family experiences, and meaningful purchases that turned dreams into reality. These stories serve as a reminder: financial planning isn’t just about growing wealth; it’s about using it to create a life you love. If you haven’t already, take that step. Don’t wait for "someday." Let’s make sure we’re spending in a way that truly reflects what we value most. Questions answered: 1. Why is it important to align your spending with what you truly value? 2. How can you take action to ensure your money is being spent in a way that brings you joy? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Reviewing the challenge 1:42 - Ice fishing and family trips 2:46 - Urgency 4:19 - Diving the Red Sea, family cruise 5:35 - Pets and optimizing travel plans 7:28 - Uncertainty and urgency 8:53 - Values, purpose, and happiness Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
One Simple Tip to Make Spending Easy in Retirement 17:52

15 days ago17:52

17:52

One of the biggest ironies in retirement is that the people who save and invest the most often struggle the most with actually spending their money in retirement. In this video, I’ll walk you through a simple framework to make spending easier—without guilt or second-guessing. I’ll share a compelling client story, a personal experience, and actionable steps you can take to shift your mindset and enjoy the retirement you’ve worked so hard for. If you’ve ever hesitated to spend on things you value, even when you can afford to, this is for you. We’ll cover: Why our money habits from the past shape how we spend (or don’t spend) today A five-step process to help you feel comfortable spending in retirement A practical tip that makes it easier to say “yes” to the things that truly matter 🎯 Don't let a scarcity mindset hold you back—start living your best retirement! Questions answered: 1. Why do some retirees struggle to spend money, even when they have more than enough saved? 2. How can retirees overcome a lifetime of saving habits and confidently spend on things they truly value? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A pertinent story 3:24 - A personal story 5:10 - Steps 1& 2—acknowledge and evaluate 7:05 - Steps 4 & 5—Identify values and make it easy 9:44 - Healthy tension 12:30 - Step 5—Withdrawal and set aside 14:49 - Wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Root Talks: How to Overcome the Scarcity Mindset and Start Spending in Retirement 23:45

20 days ago23:45

23:45

You’ve worked hard, built wealth, and reached financial security… so why is it still so hard to spend? In this episode, we dive into the unexpected challenge of shifting from a saver’s mindset to actually enjoying your money. From a millionaire couple hesitating over a $5 bag of M&Ms to a husband upset about a bottle of Fiji water—this is more common than you think! Behavioral finance reveals why past money habits stick with us, even when we don’t need them anymore. We’ll break down how to retrain your mindset, align spending with what truly matters, and ensure your wealth enhances your life instead of holding you back. Plus, a practical strategy to help you finally enjoy your money guilt-free! Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A scarcity mindset story 2:36 - Comment that sparked conversation 4:12 - Identifying the problem 7:00 - A personal story from James 10:00 - Practical takeaways 12:18 - Make small, aligned shifts 16:14 - An example from Ben 18:04 - Death is coming 19:55 - The wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Retire Now If you Answer "Yes" to These 5 Questions 10:14

22 days ago10:14

10:14

Retirement isn’t just about the numbers—it’s about time, health, and the life you want to live. Too many people delay retirement, chasing "one more bonus" or "one more year" without considering the bigger picture. In this video, we’ll walk through five key questions that can help you decide. If you answered yes to any of these, retirement might be closer than you think! Watch now to gain clarity on your next steps. Questions answered? 1. How do you know if it's the right time to retire? 2. What are the risks of delaying retirement for financial reasons? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Is time passing you by? 2:30 - Is your health suffering? 3:40 - Want more time for relationships? 4:50 - What is your life and health span 6:25 - Are you financially ready? 7:59 - Wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Root Talks: How Should I Split Retirement Withdrawals Between Pretax and Roth Accounts? 24:34

27 days ago24:34

24:34

In this episode, we're talking about the importance of a strategic withdrawal plan in retirement to keep taxes in check and set you up for long-term financial stability. Ari and I break down why a simple 50/50 split between traditional and Roth accounts isn't enough—you need to plan based on your tax situation and future needs. Using a listener's example, we walk you through how to think about tax brackets, required minimum distributions (RMDs), and when it might make sense to convert funds to a Roth IRA. We also discuss the role of asset location—putting riskier investments in Roth accounts for tax-free growth and stable investments in traditional IRAs for withdrawals. It’s all about balancing tax strategies with your lifestyle goals. At Root, we prioritize your purpose first, and we encourage you to explore our resources, like our podcasts, YouTube channel, and community, to learn more about smart retirement planning. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - The comment that prompted this chat 2:39 - Run some projections 5:14 - The benefit of Roth 7:31 - Asset location and allocation 10:07 - Root reserves 13:50 - More often than not 15:22 - Tax insurance 17:17 - Cart before the horse? 19:30 - It starts with purpose 21:33 - Where to find James and Ari Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
The Most Important Thing You Can Do For Your Financial Plan 11:53

29 days ago11:53

11:53

James challenges the idea that financial security comes from always having more—more savings, more income, more investments. Studies show that no matter how much people have, they often feel like they need twice as much to feel secure. That mindset can make fulfillment feel just out of reach. Instead, James asks: What’s one thing you could do or buy to make this year special? He shares stories like a couple who used an unexpected windfall to buy a boat—not as an investment, but to create years of unforgettable memories. The takeaway? Money isn’t the goal—it’s the tool that helps you build a life that feels rich in the ways that matter most. Questions answered: 1. Why do people always feel like they need more money to feel wealthy? 2. How can I use my money to create a more meaningful life? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A question and some statistics 3:07 - Steph's answer 6:00 - Other answers 8:01 - An exercise Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Root Talks: What Does Vanguard Say About Financial Advisors? 32:46

5 weeks ago32:46

32:46

Vanguard’s Advisor Alpha study shows that working with an advisor can boost net returns by around 3% annually through smart investing, tax planning, and behavioral coaching. But the real value? It’s not just about numbers. Ari and James break down how advisors help clients stay level-headed, avoid costly mistakes, and feel more confident about their future. Research even shows investors with $1.2M+ report greater financial happiness with an advisor by their side. Not everyone needs one, but knowing when professional support can make a real difference? That’s the key. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Vanguard Advisor Alpha study 1:50 - The claim and a story 3:56 - Asset allocation 7:40 - Cost-effective implementation 9:10 - Rebalancing 13:38 - Behavioral coaching 18:35 - Asset location 21:49 - Spending strategy/withdrawal order 26:17 - Total return vs income investing 27:48 - An advisor can increase your happiness Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
No Taxes on Social Security? Here’s What Trump’s Plan Means for You 13:13

5 weeks ago13:13

13:13

For nearly 50 years after Social Security's inception in 1935, benefits were not subject to federal income taxes. That changed in 1983 when Congress introduced taxation on benefits for higher-income retirees, using a "provisional income" threshold of $25,000 for individuals and $32,000 for couples. However, these thresholds were never adjusted for inflation, leading to a significant increase in the number of retirees paying taxes on their benefits—now nearly 50%. President Trump has proposed eliminating federal taxation on Social Security, a move that could benefit retirees financially but would accelerate the depletion of the Social Security Trust Fund, currently projected to run out by 2034. Removing taxes could shift the depletion timeline up by about a year, raising questions about alternative funding solutions. Potential fixes include raising payroll taxes, increasing the wage base, or pushing back the full retirement age. While tax relief sounds appealing, long-term sustainability remains uncertain. Questions answered: 1. Why are Social Security benefits taxed, and how did this change over time? 2. What would happen if Social Security taxes were eliminated, and how could it impact the program’s future? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - SS payments are taxed? 1:25 - Provisional income 3:18 - Trump's plans for SS 6:17 - The downsides 8:06 - The SS Trust Fund 9:19 - The challenge 11:21 - In the meantime Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Root Talks: Introducing the New Root Retirement Community 15:48

6 weeks ago15:48

15:48

Join the new Root Collective HERE! Retirement isn’t just about having enough money—it’s about making the most of it. That’s why we’re launching a new retirement community designed to go beyond financial planning. Sure, we’ll cover investing, tax strategies, and estate planning, but we’re also creating a space to talk about the things that make retirement fulfilling—connection, travel, health, and purpose. Inside, you’ll be able to engage with like-minded peers, get expert insights, and explore ideas to shape the next chapter of your life. We’ll have guest speakers, live events, and interactive discussions to help you feel confident in your planning and inspired about what’s ahead. Root clients get free access, and for everyone else, it’s $50 per month—early adopters can join for just $20. If you’re looking for more than just financial advice, we’d love for you to be part of it. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A new retirement community 2:56 - Sharing experiences, creating initiatives 4:22 - Goal: best possible retirement 5:36 - Who is this for? 7:07 - Why join? 10:17 - Pricing 12:13 - The power of community Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
5 Advanced Social Security Strategies to Maximize Your Retirement Income 17:35

6 weeks ago17:35

17:35

To maximize your Social Security benefits in retirement, it’s essential to understand five key limits and thresholds: ✅ Earnings Limit: If you start Social Security before full retirement age, benefits may be reduced if your wages exceed the annual or monthly earnings limit. Only income earned after starting benefits counts. ✅ Social Security Wage Base: This is the maximum amount of earnings subject to Social Security taxes each year. It impacts both how much you pay into the system and the benefits you may receive. ✅ Maximum Benefit: Your benefit amount is based on factors like your lifetime earnings and the age at which you begin collecting benefits. Delaying benefits increases your monthly payments, while starting early reduces them. ✅ Provisional Income: This determines how much of your Social Security benefit is taxable. Higher income levels can result in up to 85% of your benefit being taxed at the federal level. ✅ Bend Points: These thresholds influence how your lifetime earnings are converted into benefits. Lower earnings are replaced at a higher percentage, meaning early contributions can have a significant impact. Understanding these limits helps you make strategic decisions and optimize your retirement income. Questions answered: 1. How can I maximize my Social Security benefits and avoid unnecessary reductions? 2. What factors determine how much Social Security I will receive in retirement? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - David's question 1:47 - SS earnings limit 4:51 - Monthly numbers matter 6:04 - SS wage base 9:11 - Max SS earning amount 11:26 - Provisional income 13:32 - SS bend points Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Root Talks: How Do We Approach Team Building? 25:40

7 weeks ago25:40

25:40

Root Financial is redefining what it means to serve clients by putting team culture front and center. In this episode, James and Ari dive into the firm’s bold move to hire a Head of Culture—an uncommon role in financial advising—dedicated to supporting the growth and well-being of their advisors. Why? Because when advisors thrive, clients get the personalized attention they deserve. At Root, we’re intentional about avoiding the usual industry traps, like overloading advisors with massive client lists or sales quotas that can compromise service. Instead, we focus on sustainable growth, aligning our goals with yours and using tools like OKRs (Objectives and Key Results) to stay on track. With a Net Promoter Score of 91—well above the industry average—we’re proving that building a strong internal culture leads to happier clients and better outcomes. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Company culture affects clients 4:08 - Ari's quick story 5:59 - Hiring a Head of Culture 10:54 - Advisors have how many clients? 14:24 - NPS and retention rate 17:28 - OKRs 20:57 - What makes Root different Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Major Social Security Bill Passed: $190B in New Benefits to be Paid After Eliminating WEP & GPO 10:43

7 weeks ago10:43

10:43

The Social Security Fairness Act, signed into law on January 5 by former President Joe Biden, repeals the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), which previously reduced Social Security benefits for individuals with non-covered pensions, such as teachers, firefighters, and postal workers. This change significantly increases benefits for affected individuals, in some cases by over $1,000 per month, and applies retroactively to the end of 2023. While the law addresses long-standing concerns about fairness, it also accelerates the depletion of Social Security funds, already projected to face insolvency by the 2030s. This $190 billion expense over the next decade may force future changes, such as tax increases, higher retirement ages, or adjustments to the system. For those impacted by WEP or GPO, the law offers immediate financial relief but highlights the need for broader, sustainable reform to preserve Social Security for all beneficiaries. Questions answered: How does the Social Security Fairness Act impact individuals with non-covered pensions like teachers, firefighters, and postal workers? What are the potential long-term consequences of the Social Security Fairness Act on the Social Security fund's sustainability? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - SS Fairness Act -- ex. Maria 2:46 - Bend points 4:49 - Back to Maria's situation 5:54 - Pros and cons 7:38 - Bill magnifies SS problems Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

Ready For Retirement

1
Root Talks: What's the Difference Between Root Financial and Other Advisory Firms? 27:40

8 weeks ago27:40

27:40

In this behind-the-scenes episode, James and Ari explore what sets Root apart in the financial advising industry. Moving beyond traditional roles like stock pickers and planners, they emphasize Root’s mission as “protectors” of clients’ most cherished goals, helping them achieve a life of purpose and fulfillment. They discuss how Root’s culture prioritizes personalized care and intentional growth, from hiring advisors who embody Root's ethos to reinvesting in services like tax planning and estate planning to enhance client experiences. James and Ari also address how Root balances expansion with maintaining high service quality, ensuring each client feels uniquely supported. They share insights into Root’s “master plan,” which includes innovative frameworks for advisor development and creating scalable yet deeply personalized services. Root’s philosophy of holistic, forward-looking financial planning integrates life coaching elements, focusing on helping clients live richer, more meaningful lives. This episode offers a fresh perspective on financial advising, showcasing Root’s commitment to redefining the industry. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Root in one word -- protector 3:54 - Life advisors 7:31 - Beating the waiter 9:31 - Integrating tax planning 12:45 - Services to add in the future 16:47 - Gauging fit; growth philosophy 20:23 - Client satisfaction and advisor development 24:07 - Wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…

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