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 should be a time filled with freedom, confidence, and peace of mind — not uncertainty and financial stress. Yet many people unknowingly make decisions during their working years that can create
Retirement is no longer viewed as simply “stopping work.” For many individuals and families, retirement is about creating freedom, protecting the lifestyle they’ve worked hard to build, and gaining peace of mind
In today’s unpredictable financial environment, many retirees and pre-retirees are searching for ways to protect their savings while still maintaining the opportunity for growth. One financial tool that continues to gain attention
By Sarah Brenner, JD Director of Retirement Education Question: I have a new client who has an old SEP IRA as well as a traditional IRA with funds that were rolled
By Andy Ives, CFP®, AIF® IRA Analyst It’s been nearly 3½ years, and still no news. No guidance. No updates. Background: In December 2022, the SECURE 2.0 Act was signed into law.
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I have a 401(k) plan with a previous employer that is a mix of pre-tax and Roth money. I’m considering a direct rollover
By Ian Berger, JD IRA Analyst Most of you are probably familiar with the concept of the “required beginning date” (RBD). The RBD is the deadline for taking the first required
By Sarah Brenner, JD Director of Retirement Education On April 30, 2026, President Trump signed an executive order to promote retirement savings for American workers. In its aftermath, we have had
By Ian Berger, JD IRA Analyst Question: I have a client who is still working, over age 75, and wants to roll her 401(k) into her IRA. She has stopped contributing
By Andy Ives, CFP®, AIF® IRA Analyst We know that Roth conversions are permanent. Recharacterization of a conversion is no longer allowed. Once the conversion is done, there is no going
By Ian Berger, JD IRA Analyst The SECURE Act completely changed the rules for beneficiary IRA (and workplace retirement plan) required minimum distributions (RMDs). It’s now been more than 6 years
By Sarah Brenner, JD Director of Retirement Education Question: My spouse and I have a combined six-figure required minimum distribution (RMD) from my two IRAs and her smaller IRA. Our CPA
By Sarah Brenner, JD Director of Retirement Education The once-per-year IRA rollover rule sounds easy. However, there are many ways to go wrong. One common confusion with this rule occurs when
By Andy Ives, CFP®, AIF® IRA Analyst Qualified charitable distributions (QCDs) and required minimum distributions (RMDs) are two separate and distinct transactions. Here are some of the basics of each: QCDs
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: When someone under age 59½ uses the “backdoor” method of making Roth IRA contributions, does the 10% penalty apply to subsequent withdrawals if
