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PODCAST

Big Picture Retirement®

Devin Carroll, CFP® & John Ross, JD

Planning for, or already enjoying, your retirement? This is the show for you. The success of your retirement hinges on how well you connect the dots between legal, tax, and financial planning. Join your hosts John Ross, JD and Devin Carroll, CFP® as they dig beneath the surface to help you gain the confidence and clarity needed to navigate your retirement journey successfully.

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All Episodes

42:55

Listener Q&A: Navigating Taxes, Trusts, and More

Big Picture Retirement® ·

2024/07/29

In this episode of Big Picture Retirement, we’re back answering more of our listener-submitted questions. Join us as we cover: Anna's Query: When will NESARA begin? Ron's Question: Clarification on calculating taxes on Social Security benefits using our Cheat Sheet, specifically addressing whether AGI already includes SS benefits or if an additional 50% is added. Anne's Concerns: Discussing the threshold for needing trusts for individuals with borderline amounts ($750,000 - $1.5 million) and

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35:51

Navigating Social Security: Listener Questions Answered

Big Picture Retirement® ·

2024/07/22

In this episode of the Big Picture Retirement podcast, we dive into listener questions about Social Security, tackling a wide range of scenarios to help you navigate the complexities of your benefits. Lois asks about the earnings limit for survivor benefits versus other benefits for someone born in 1955. She’s been told she must repay two months of benefits because her earnings exceeded the limit. Are the SSA's guidelines accurate? Jane inquires if filing for Social Security at age 65 will affect

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44:28

Listener Questions Answered: Reverse Mortgages,...

Big Picture Retirement® ·

2024/07/15

In this episode, we tackle a diverse range of listener questions from reverse mortgages, annuities, Roth conversions, healthcare before the Medicare age, and a lot more. Tune in as we discuss: Al's Question: Recommendations for reverse mortgages and the conditions under which they can be beneficial. Paul's Inquiry: Using deferred annuities, specifically laddering Fixed Income Annuities with no fees, as alternatives to bonds to generate "safe" money in retirement. Pete's Scenario: The

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40:22

Answering Listener Questions on Social Security

Big Picture Retirement® ·

2024/07/08

In this episode, Devin dives deep into the Social Security questions sent in by our listeners. Topics include questions on the earnings limit, spousal benefits, survivor benefits, and the big one...how future benefit cuts could impact retirees If you’re thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people, just like you, move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap

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30:59

The Power of Donor Advised Funds

Big Picture Retirement® ·

2024/06/10

If you regularly donate to your church or other charities, donor advised funds (DAFs) might be something you want to look into. These funds offer some big perks. First off, you get a potential tax deduction in the year you contribute, even if the money is given out to charities gradually. Secondly, you have the freedom to decide when to donate. This means if you're facing a high tax bill one year, you can contribute more to your DAF and then distribute it to your chosen causes over time. In today’s

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39:04

Unpacking the New IRS Estate Planning Memo

Big Picture Retirement® ·

2024/06/03

In today's episode, we examine the recent IRS Chief Counsel Memorandum, which introduces significant changes to one of the cornerstone strategies in estate planning. We explore how these new guidelines impact assets placed in trusts like intentionally defective grantor trusts (IDGTs) and spousal lifetime access trusts (SLATs). These trusts have traditionally been used to 'freeze' asset values for estate tax purposes while benefiting from more favorable individual income tax rates. But there’s a core

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22:58

Too Much of a Good Thing?

Big Picture Retirement® ·

2024/05/28

Lots of investors use the S&P 500 index as a key part of their investment plan, thinking it spreads their money out well among America's biggest companies. But in this episode, we're going to question that idea by looking at the risks of having too much money in just a few of the index's top companies. Even though the index includes 500 stocks, a big chunk of its value comes from just a few big names like Microsoft. We'll explore how this uneven distribution can bring more risk than you might

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31:21

When Roth IRA Conversions Go Too Far

Big Picture Retirement® ·

2024/05/20

Roth IRA conversions can be a powerful tool for retirement planning, offering tax-free growth and withdrawals. However, there's a fine line between optimizing and overdoing it. In this episode, we talk about the dangers of over-converting to a Roth IRA. We'll explore how converting too much can lead to higher taxes in retirement and cause missed opportunities later. If you’re thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing this show! This helps us support

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26:41

Estate Planning Lessons from the Rockefellers and...

Big Picture Retirement® ·

2024/05/13

Are there lessons we should learn from the comparison of the Rockefellers and the Vanderbilts? In this episode, we look at the contrasting estate planning tactics of two of America's wealthiest dynasties. While both families amassed incredible fortunes, their legacies diverged significantly due to their different approaches to wealth management and succession planning. If you’re thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing this show! This helps us

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29:53

The Five Phases of Retirement

Big Picture Retirement® ·

2024/05/06

Retirement has five distinct phases and each of them have their own unique challenges and opportunities. Understanding these distinct phases is important for anyone who is approaching retirement or has retired within the past year or two. If you know what to expect on the road ahead, it should lead to a much smoother and more fulfilling transition into this new part of your life. If you’re thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing this show! This

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32:48

The Secret Power of Investment Location

Big Picture Retirement® ·

2024/04/29

In this episode, we dive into the concept of investment location—a tactical approach in asset allocation across various accounts like IRAs and joint accounts, which can significantly influence your tax liabilities. If you’re thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and

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31:56

The Home Buying Earthquake That Changes Everything

Big Picture Retirement® ·

2024/04/01

In today's episode, we discuss the landmark $418 million settlement involving the National Association of Realtors (NAR) and its potential implications for the real estate industry. As retirees and others look to buy or sell homes, they're facing a big shift in how real estate services will be priced and delivered. Danny Devito video-https://www.americanrhetoric.com/MovieSpeeches/moviespeechotherpeoplesmoneydevito.html If you’re thinking "I love the Big Picture Retirement podcast” please consider

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23:47

3 Types of Investors Who Should Avoid A Flat Fee...

Big Picture Retirement® ·

2024/03/25

Flat-fee financial advisors aren’t for everyone. In fact, there are three types of investors who should steer clear of flat-fee financial advisors. In today’s episode, we’ll talk about who should avoid hiring a flat fee advisor and either do it on their own or hire a traditional % of AUM advisor. If you’re thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just

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27:38

The Surprising Way to Save Social Security (Without...

Big Picture Retirement® ·

2024/03/13

Could the solution to saving Social Security be so glaringly obvious that it has been overlooked, or perhaps even ignored, due to political power dynamics? The concern about the insolvency of the Social Security trust fund looms large as the program faces financial instability, raising fear of increased taxes or reduced benefits for future beneficiaries. However, there is a glimmer of hope. This system can be fixed without resorting to raising taxes or slashing benefits. If you’re thinking "I love

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41:13

The Unplanned Journey: Grandparents Raising...

Big Picture Retirement® ·

2024/03/04

Description: In todays episode, we talk about the unexpected turns retirement can take, particularly when individuals find themselves in the role of raising a grandchild. This shift in family dynamics can significantly alter one’s retirement experience, extending far beyond the obvious impact on travel plans. We'll explore the various aspects that come into play, including the financial ramifications and the adjustments needed in estate planning If you’re thinking "I love the Big Picture Retirement

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