Smart Money Questions

Weekly investing and financial planning wisdom seeking to provide answers to your financial questions with your host, Matt Hausman.

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Thursday Nov 17, 2022

There has finally been some clarification from the IRS about the SECURE Act rule regarding inherited IRAs from 2020 and beyond. We’ve had some questions from clients about this, so it’s great to finally have some answers.
It’s important for you as an owner of an IRA, 401k, etc. to know how this works and understand it. It’s also important for your heirs to understand this important topic and know what tax bracket they might be in.
On today’s show, here’s some of what you’ll learn:
What happened with the SECURE Act’s stretch IRA? (4:16)
How did the government create confusion? (7:03)
What happened to the minimum distribution age? (11:27)
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Thursday Oct 27, 2022

If you’re wondering what taxes will look like in 2023, as far as standard deductions and increase in tax brackets, today’s show is for you. The IRS just released this information recently and we want to take you through the key changes.
Whether you’re filing single or married filing jointly, we’ll explain what will will be different for you next year. Check out today’s full show to learn more about how the IRS changes could affect you as you make an tax planning moves before the year closes out.  
On today’s show, here’s some of what you’ll learn:
What adjustments should you make to prepare for tax changes in 2023? (2:06)
Why you should be an aggressive investor. (4:20)
Should you take a Roth option at work? (8:08)
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Thursday Oct 13, 2022

We get questions all the time about Medicare. It can be confusing when there are Medicare parts A, B, C and D and supplements. Today we are welcoming a guest who has been in the Medicare industry for more than 30 years.
On today’s show, here’s some of what you’ll learn:
What Medicare is and how it works. (2:58)
How you can access Medicare. (3:42)
The different aspects of Medicare and how they work. (4:13)
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Social Security COLA and Timing

Thursday Sep 22, 2022

Thursday Sep 22, 2022

Choosing when to claim Social Security can have a huge impact on your retirement plan. A lot of people are unsure about whether they should delay Social Security or take advantage of another significant COLA increase. Today we are going to look at some of the different options you may have and narrow down the reasons they may or may not be for you.
What we discuss in this episode: 
Do you time the market or do you time Social Security? (2:21)
Do you qualify for spousal benefits? (5:28)
Social Security has a guaranteed interest rate for delaying. (7:31)
If you are going to delay Social Security and not work, what other assets are you going to depend on? (10:29)
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Money Marketing Headlines

Thursday Sep 01, 2022

Thursday Sep 01, 2022

We’re bombarded with headlines about money all the time. With technology and social media at our fingertips, it’s more important than ever to control how you react to that. We’ll explain why it’s critical to your long-term financial success.
What we discuss on this episode: 
2:10 – Financial headlines are everywhere
5:10 – Invest like the 1%
6:08 – Become a master of the market
8:37 – Protect nest egg
9:31 – Playing on fear
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Thursday Aug 18, 2022

Recently, we’ve been getting some unique questions about investing in company-sponsored plans, like a 401k, for example. The client wanted to know where else to invest once they max out the 401k. We’ll dive into this question and more on today’s show.
What we discuss in this episode: 
2:23 – Max out 401k
4:53 – Be consistent
5:44 - Match
8:04 – Vested
9:49 – Saving more
11:38 – Health insurance
14:34 – Traditional brokerage
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Thursday Aug 04, 2022

If you decide to scale back your work or keep working during retirement, what kind of employee should you be? We’ll explain the differences between W2 and 1099 workers and how that could affect your finances.
Key Topics on This Episode: 
4:50 – Scaling back workload
6:24 – W2 vs. 1099 worker
9:39 – Contributions
11:38 – Payroll taxes
13:48 – Buying real estate
16:18 – Property management
17:22 – Where to buy
18:50 – Long-term investment
Want to learn more about financial planning? Visit us online --->  

Thursday Jul 28, 2022

Today we’re sharing questions and scenarios we’re hearing in our office, on the phone and on zoom calls with clients. We’ll also share some planning we did for a client four or five years ago and where they are today in retirement.
Key topics on this show:
4:43 – Aggressive 401ks
7:59 – Other options
11:00 – Know where your money is
13:51 – Risk
15:29 – Rate of return
16:27 – COLA
Want to learn more about financial planning? Visit us online --->  

Thursday Jul 14, 2022

It’s hard to believe, we’re already halfway through 2022. Before you know it, it’s going to be Thanksgiving and then the end of the year. Now is a good time to be considering your finances and planning for your taxes.
Key topics on this episode: 
2:42 – Roth conversions
6:13 – Personal changes
8:19 – Review investments
10:11 – Tax diversified
11:09 – Review debt
12:59 – Budget
14:02 – Emergency funds
14:32 – Legal documents
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Thursday Jun 16, 2022

The markets have been heading down, but this is one of the most critical times for investors to stay disciplined. Markets will go up and they will drop, and we’ll explain why you have to be prepared to stay the course and find opportunities.
Read more and get additional financial resources here: 
What we discuss in this episode:
3:35 -  Don’t panic
4:14 – Tax-loss harvesting
5:51 – Tax buckets
8:46 – Roth
12:00 – Your investment mix

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