The 3 Tax Buckets In Retirement

Retire Ready with Kyle Hammerschmidt

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#644: AI-augmented human recommendations for retail customers with Noah Zamansky, Stitch Fix 27:12

منذ 7 أيام27:12

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قوائم

إعجاب

احب

27:12

We are here at eTail Palm Springs and seeing and hearing the latest and greatest in e-commerce and retail. Question: Do you need to choose between AI and human recommendations as a customer? Why not have both? After all, don’t each have their strengths? AI in the retail experience is all the rage these days, but today I’m talking with someone from a brand that has been incorporating AI-personalized experiences and shopping combined with expert human recommendations for over 14 years, and continues to innovate today. Today we’re going to talk about how AI-based personalization plus human creativity and input makes an amazing customer experience at Stitch Fix. To help me discuss this topic, I’d like to welcome Noah Zamansky, Vice President of Product and Client Experience at Stitch Fix. About Noah Zamansky Noah Zamansky serves as the Vice President of Product and Client Experience at Stitch Fix, where he leads cross-functional teams spanning Product, Design, Engineering, Algorithms, and Platform Development. A seasoned leader, Noah has a proven track record of shaping product vision and strategy, designing exceptional user experiences, and spearheading the launch of new business ventures. Before joining Stitch Fix, Noah held the role of Senior Director of Product Management at eBay, overseeing Fashion and Vertical Experiences. Resources Stitch Fix: https://www.stitchfix.com eTail Palm Springs: https://etailwest.wbresearch.com/ Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstrom Listen to The Agile Brand without the ads. Learn more here: https://bit.ly/3ymf7hd Don't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company…

منذ عام واحد 22:04

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Summary
In this episode, Kyle and Kolin discuss the three tax funnels that can be used to build a tax-efficient retirement plan. The first funnel is the tax later bucket, where contributions are made with pre-tax dollars, such as employer plans and IRAs. Distributions from this account are taxed as income. The second funnel is the tax now bucket, where contributions are made with after-tax dollars, such as brokerage accounts. The growth or income from this account is subject to taxes. The third funnel is the tax never bucket, which includes Roth plans where contributions are made with after-tax dollars and distributions are tax-free. The hosts also provide a case study to illustrate how these tax funnels can be applied in practice.

Takeaways

There are three tax funnels to consider when building a tax-efficient retirement plan: tax later, tax now, and tax never.
The tax later bucket includes contributions made with pre-tax dollars, such as employer plans and IRAs. Distributions from this account are taxed as income.
The tax now bucket includes contributions made with after-tax dollars, such as brokerage accounts. The growth or income from this account is subject to taxes.
The tax never bucket includes Roth plans, where contributions are made with after-tax dollars and distributions are tax-free.
It's important to understand the tax implications of each funnel and consider the best withdrawal strategy to minimize taxes and maximize income in retirement.

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Get more information on The Retire Ready Academy
Looking for personalized financial planning? Visit our website
Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.

117 حلقات

#Trading #Business News #Business #News #Kyle Hammerschmidt #Retirement #MOKAN #Financial Planning #Retirement Planning #Retire Ready #Kansas #IRA #401k #Roth

The 3 Tax Buckets In Retirement

Retire Ready with Kyle Hammerschmidt

published منذ عام واحد

MP3•منزل الحلقة

Send us a text

Takeaways

There are three tax funnels to consider when building a tax-efficient retirement plan: tax later, tax now, and tax never.
The tax later bucket includes contributions made with pre-tax dollars, such as employer plans and IRAs. Distributions from this account are taxed as income.
The tax now bucket includes contributions made with after-tax dollars, such as brokerage accounts. The growth or income from this account is subject to taxes.
The tax never bucket includes Roth plans, where contributions are made with after-tax dollars and distributions are tax-free.
It's important to understand the tax implications of each funnel and consider the best withdrawal strategy to minimize taxes and maximize income in retirement.

117 حلقات

#Trading #Business News #Business #News #Kyle Hammerschmidt #Retirement #MOKAN #Financial Planning #Retirement Planning #Retire Ready #Kansas #IRA #401k #Roth

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منذ 22 weeks19:54

19:54

Send us a text In this episode, we dive into the top concerns for individuals nearing retirement, such as how to maximize Social Security benefits, implement tax-efficient strategies, and develop a comprehensive retirement plan that goes beyond just investments. Discover overlooked strategies that can help you keep more of your income and minimize risks as you plan for a secure retirement. Tune in to learn actionable tips and insights on: Maximizing Social Security benefits beyond the typical advice of "waiting until 70." Implementing tax-efficient strategies to reduce lifetime tax bills by six to seven figures. Navigating employer retirement benefits for a smooth transition into retirement. Developing investment strategies to maximize returns and minimize risk before and after retirement. Utilizing Roth conversions and optimizing the timing for long-term tax savings. Structuring effective withdrawal strategies to maximize income and reduce tax burdens. Avoiding common pitfalls such as Social Security taxation and sequence of returns risk . Creating a comprehensive financial plan that aligns all the moving parts of your financial life. Whether you’re 10 years away from retirement or just beginning to plan, this episode will guide you through the most important yet often overlooked aspects of retirement planning! Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Mastering Medicare: 9 Essential Tips for Understanding Your Healthcare Coverage 10:12

منذ 23 weeks10:12

10:12

Send us a text Are you feeling overwhelmed by Medicare and healthcare coverage? Join Kyle Hammersmith, where he breaks down the essentials of Medicare into nine easy-to-understand tips. From the basics of Medicare parts A, B, C, and D to crucial enrollment periods and cost considerations, this episode empowers you to navigate your healthcare benefits confidently. Episode Highlights: Understanding Medicare Medicare Parts Explained Enrollment Periods Cost Breakdown Medigap and Medicare Advantage Income Considerations Working Past 65 Whether you’re approaching retirement or just want to better understand your healthcare options, this episode equips you with the knowledge you need. Tune in and take control of your healthcare coverage today! Don’t forget to like, rate, and review for more retirement planning tips. Your retirement starts now! Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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