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.
Retirement isn’t built on luck—it’s built on preparation. While investment performance, insurance coverage, and market conditions all play important roles, one factor often has the greatest impact on long-term success: having a
Many people spend decades focused on growing their retirement savings. They watch the markets, contribute to retirement accounts, and celebrate when their balances increase. But when retirement finally arrives, one question becomes
When people think about retirement, they often focus on growing their investments. They search for higher returns, the next great investment opportunity, or ways to outperform the market. While investment performance is
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?
By Sarah Brenner, JD Director of Retirement Education In just a few days, on July 4, Trump accounts will be available. As we come down to the wire, the IRS has stepped
By Andy Ives, CFP®, AIF® IRA Analyst When it comes to the rules governing specific workplace retirement plans like a 401(k), there are the foundational rules dictated by law, and there are
By Sarah Brenner, JD Director of Retirement Education Question: Can required minimum distributions (RMDs) from 403(b) plans be aggregated and taken from one account? Answer: Yes, it is allowed to aggregate RMDs
By Ian Berger, JD IRA Analyst The June 15, 2026 Slott Report described the strict barriers employees face when attempting to access their 401(k) and other plan funds while still working. One
By Sarah Brenner, JD Director of Retirement Education On July 4, contributions to Trump accounts, a new savings vehicle for children, will become available. In these final days before their launch, we
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: Our client has funds left over in her 529 plan. She is not working. Can she roll over the 529 dollars to a Roth
By Andy Ives, CFP®, AIF® IRA Analyst If a person has after-tax (non-deductible) money in any traditional IRA, SEP or SIMPLE IRA, then the pro-rata rule is just something that needs to
By Ian Berger, JD IRA Analyst If you are faced with expenses that require you to tap into your savings, what are your options? You should always look to non-retirement savings first.
By Ian Berger, JD IRA Analyst Question: Are the rules for a grandchild who inherits an IRA the same as the rules for a child who inherits? Thank you, Steven Answer: Hi
By Sarah Brenner, JD Director of Retirement Education June is PRIDE Month. June also marks the anniversary of the landmark Supreme Court case Obergefell v. Hodges, which legalized same-sex marriage. When it
By Andy Ives, CFP®, AIF® IRA Analyst If a person wants to make a Roth IRA contribution, there are two primary hurdles to get over. First, a person must have taxable compensation
