Watch Phil Capriotti on The Wealth Council!
Sundays @ 1PM on Fox Business
Leah Woodford 00:00 Hi, and welcome to Retire Smart Austin. I’m Leah Woodford, and with me today is Phil Capriotti Sr. of Empower Wealth and Tax. And today we’re actually going to
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Leah Woodford 00:00 Welcome, Retire Smart Austin. I’m Leah Woodford with Phil Capriotti Sr today, of Empower Wealth and Tax, and we’re actually continuing last week’s show on trusts, and I’m so
Leah Woodford 00:00 Welcome to Retire Smart Austin. I’m Leah Woodford, and with me today is Phil Capriotti Sr., of Empower Wealth and Tax, and today we’re talking everything trusts. Welcome back.
As Americans continue preparing for retirement in an uncertain economic environment, many are looking for ways to protect their savings while still having the opportunity for growth. With inflation, market volatility, and
When people think about retirement, they often focus on one thing: the stock market. They worry about the next downturn, the next recession, or the next headline predicting financial uncertainty. While market
By Andy Ives, CFP®, AIF® IRA Analyst These days, anything with a hint of politics can be divisive. Trump accounts are no different. Public comments about this new savings vehicle are clearly
By Ian Berger, JD IRA Analyst With contributions to Trump accounts having gone live on July 4, 2026, there has been lots of discussion recently about the “kiddie tax.” That’s because, once
By Ian Berger, JD IRA Analyst QUESTION: My wife (Keiko) currently does not take a required minimum distribution (RMD) on her retirement account because the plan allows this while she is still
By Sarah Brenner, JD Director of Retirement Education Tax rules require most retirement account owners who are subject to required minimum distributions (RMDs) to begin withdrawals at age 73. However, there is
By Andy Ives, CFP®, AIF® IRA Analyst During our recent Ed Slott and Company’s Instant IRA Success workshop in Brooklyn, NY, we were presenting information about qualified charitable distributions (QCDs) when an
By Sarah Brenner, JD Director of Retirement Education Question: Hello, I’m married, filing jointly, and I have been converting my traditional IRA to Roth this year. If I convert too much and
By Ian Berger, JD IRA Analyst The June 15, 2026 Slott Report outlined the barriers preventing 401(k) and other plan participants from accessing their plan funds while working. The June 24, 2026
By Sarah Brenner, JD Director of Retirement Education The SECURE Act of 2019 changed many rules for inherited IRAs. However, it left intact the rules for non-living (non-person) beneficiaries, such as an
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I just wanted to verify that a 403(b) plan is not subject to the pro-rata rule when doing a Roth IRA conversion. Can you
By Ian Berger, JD IRA Analyst On July 1, 2026, the Treasury Department announced the investment options for initial Trump account contributions. In the One Big Beautiful Bill Act (OBBBA), Congress imposed
By Ian Berger, JD IRA Analyst Question: If someone has a SIMPLE IRA and is interested in doing a backdoor Roth IRA conversion, does the SIMPLE IRA count under the pro-rata rule?
