Cynthia de Fazio 00:28 Welcome to Retire Smart Austin. My name is Cynthia DeFazio, joined today by Phil Capriotti, Sr. and Parker Capriotti of Empower Wealth and Tax. To our viewers at
Short, watchable answers to the retirement questions we hear most. New videos every week on taxes, Social Security, Medicare, and building income that lasts.
Your ultimate resource for expert insights, strategic advice, and the latest updates in the world of Individual Retirement Accounts (IRAs).
By Andy Ives, CFP®, AIF® IRA Analyst QUESTION: I have a question regarding joint health savings accounts (HSAs). What happens if an HSA is shared with a spouse who is not yet
By Ian Berger, JD IRA Analyst Many of you are probably aware of the 60-day rollover deadline and the once-per-year rollover rule. But there’s a third IRA rollover restriction you may be
By Sarah Brenner, JD Director of Retirement Education The unfortunate reality for many Americans is that medical expenses will be a large part of their expected budget in retirement years. Health Savings
By Ian Berger, JD IRA Analyst QUESTION: I have a client who is age 52 and is being placed on hospice due to his battle with cancer. I understand that there is
By Andy Ives, CFP®, AIF® IRA Analyst IRA owners and retirement plan participants trip over the required minimum distribution (RMD) rules all the time. Bad advice is provided, misinformation is freely disseminated
By Sarah Brenner, JD Director of Retirement Education QUESTION: Are there any penalties/consequences/tax issues if I move money from a Roth IRA to start a new Roth IRA at another company? Thanks,
Your go-to source for timely and insightful analysis of the financial markets. Our weekly updates are designed to keep you informed and equipped to make sound investment decisions for your retirement portfolio.
It was another volatile week on Wall Street, with US indices ending the week with mixed results. Ongoing concerns about AI financing and its return on investment continued after Meta announced its
It was a chaotic week on Wall Street as investors tried to interpret mixed Q3 financial results, a spike in oil prices, sharp swings in yields across the curve, hotter-than-expected inflation data,
U.S. financial markets logged weekly gains as Wall Street shook off tech sector volatility and focused on stabilizing energy prices. Despite severe global bond market pressure, the S&P 500 rose 1.15% and
As we move from the third quarter into the fourth, investors have a lot to consider in this crazy market. US equities finished the week mixed in volatile trade. A standstill in
Markets finished the week mixed as interest rates increased across the yield curve. Oil prices swung significantly during the week as reports suggested the US and Iran were close to a deal
It was a volatile week on Wall Street as traders assessed monetary policy decisions from several central banks, including the Federal Reserve. The Fed did, as expected, raise its policy rate by
Your essential guide to staying informed and making smart decisions for your financial future. Our newsletter is crafted to deliver the latest financial insights, strategic advice, and important updates.
Building financial security takes years of effort. You save, manage expenses, pay down debt, and make decisions with the future in mind. Each step helps create more options for yourself and the
For decades, you worked for your paycheck. In retirement, your money needs to start working for you. But will it be ready? Think about the last 30 or 40 years of your
Life rarely changes all at once. A new job brings a different benefits package. A growing family adds responsibilities. Retirement moves a little closer. Everyday expenses gradually take up more of the
As the year begins to wind down, your financial plan deserves a year-end review too. The final few months of the year can be an important time to evaluate retirement accounts, taxes,
A new home. A growing family. A career change. Retirement getting closer. Life rarely stays the same for long. Yet financial plans and insurance policies can sit untouched for years—even as the
You may have a clear picture of retirement: more time with family, a few trips you have been putting off, and the freedom to spend your days doing what matters most. But
The Medicare plan you chose last year may have made perfect sense at the time. But what happens when your prescriptions change, you start seeing a specialist, or your plan updates its
Your Medicare coverage may look the same on the surface, but important changes to your benefits, prescription costs, and provider networks could affect what you pay next year. For millions of Americans,
You’re happy with your doctors. Your prescriptions haven’t changed. Your Medicare coverage worked well this year. So, is reviewing your plan really necessary? It’s a worthwhile step. Your healthcare needs may stay
Medicare Open Enrollment is one of the most important times of the year for people who already have Medicare. From October 15 through December 7, 2026, Medicare beneficiaries have an opportunity to
You schedule an appointment, hand over your insurance card, and assume your coverage will take care of the rest. Then a bill arrives—or the pharmacy tells you that your new prescription needs
Turning 65 is an exciting milestone—but it also brings important Medicare decisions. With multiple enrollment periods, coverage options, and deadlines to understand, even a small mistake could lead to delayed coverage, unexpected
