On Your Money, Your Wealth® podcast #294 with Joe Anderson, CFP® and Big Al Clopine, CPA: retirement portfolio rebalancing when the market goes down, accumulation, de-accumulation, dollar cost averaging, and IRR, ROR, and CAGR (not “kegger”) as ways of calculating rates of return on investments. Plus step-up in basis, required minimum distributions (RMDs), capital accumulation life insurance plans, tax planning for new homebuyers, spousal Social Security benefits, and of course, backdoor Roth IRA conversions, though on YMYW they’re sometimes called “garage door” or “barn door” or… something.

00:53 How Should We Rebalance Our Portfolio in Downturns During Retirement?
07:33 CAGR, ROR, IRR: How to Calculate Return on Investments
14:05 Step Up in Basis and 401(k) Beneficiary: Spouse or Living Trust?
20:00 CARES Act & SECURE Act: When Do I Have to Take My RMD?
23:33 Should I Contribute to Roth IRA Instead of Traditional IRA?
30:55 Should I Sign Up for My Employer’s Capital Accumulation (Life Insurance) Program?
38:07 New Homebuyer Primary Residence Tax Planning
41:54 Spousal Social Security Benefits

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