by Lance Roberts
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| Qualified Charitable Distributions, or QCDs, can be one of the most tax-efficient strategies available for retirees with IRA assets. But are they always the right move? Richard Rosso and Jonathan McCarty break down the pros and cons of QCDs, including how they interact with Required Minimum Distributions (RMDs), adjusted gross income (AGI), Medicare IRMAA surcharges, Social Security taxation, Roth conversions, and estate planning strategies. Here's a topical rundown of today's show: 0:00 - INTRO 0:19 - Texas Tree Roaches & Market Commentary 4:08 - AI Data Centers & Anti-AI Mentalities & Other Observations 16:23 - How AI Tools Can Help 19:04 - Qualified Charitable Distributions 21:13 - Falling Into the Widows' Trap 23:38 - Age Requirements of QCD's 29:46 - How QCD's Work 31:57 - What is Your Charitable Intent? 34:26 - Looking at QCD Limits 36:31 - "The Process is Clunky" - Ed Slott 41:09 - Who Benefits from QCD's? 43:40 - Dynaminc Learning Series - SimpleVisor Nerd Alert Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/PdNwnrviYnQ?feature=share ------- Watch today's "Before the Bell" feature, "Momentum Pause Before Summer Rally?" here: ------- Watch our previous show, "The AI Economy Beyond The Hype" https://youtube.com/live/TeIhoqBT8dg ------- * REGISTER for our next Dynamic Learning Series presentation, "A SimpleVisor Tutorial," Thursday, June 4, 2025 at Noon: https://streamyard.com/watch/MwairsimgmnS -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementPlanning #QCD #Taxes #IRA #FinancialPlanning |
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The graph below shows that the US oil rig count has been slightly declining despite much higher oil prices. While many investors may assume that no growth in the number of operating oil rigs implies limited oil production growth, that assumption is not necessarily true. To wit, we share Diamondback Energy’s May 2026 stockholder letter. …
5-4-26 Summer Correction Risk Is Rising
2026-05-05
Markets have rallied sharply on strong earnings, but the foundation is now weakening.
Breadth continues to deteriorate, with fewer stocks participating in the advance, creating a negative divergence that often precedes pullbacks.
Momentum is stretched, with relative strength near overbought levels, while the advance-decline line is starting to slip. At the same time, volatility $VIX remains extremely low, signaling complacency and increasing vulnerability to downside moves.
On the macro side, #crudeoil above $100 due to geopolitical tensions adds pressure on growth and consumers, especially if sustained into the summer.
Markets are currently pricing in a quick resolution, but if that proves wrong, risk rises further.
This is not a crash call, but the setup for a normal 5–10%
3-18-26 Q&A Wednesday: Open Season
2026-03-18
Got a financial question you have been afraid to ask? Lance Roberts & Danny Ratliff break down the most pressing financial topics shaping markets and personal finance decisions right now. We open with an analysis of current selling pressure and what it signals for equity markets, then dive deep into why credit spreads deserve your attention as a leading indicator of risk. We make the case for why waiting for S&P 6,900 could cost you opportunity, and offer a teaser on the growing private credit space.
From there, we tackle real estate investment trusts and AG&C — examining whether current valuations finally make them worth buying. We discuss disciplined profit-taking strategies, the relationship between oil prices and airline ticket costs, and identify which companies are most likely to
Do Sentiment Trends Boost Reflation Odds
2026-01-27
On Monday, we discussed how the Truflation inflation gauge points to a sudden price decline, which clouds the reflation outlook. Today, we share recent consumer sentiment readings that counter the disinflation story and support the reflation narrative. On Friday, the University of Michigan reported that its consumer sentiment index improved in January to a five-month …
1-26-26 Is Bitcoin Entering a New Regime or Just Another Cycle?$IBIT $BTCUSD
2026-01-26
Bitcoin’s usual links to $QQQ, Fed policy, and the four-year cycle have broken down.
In this short video, Parker White and I discuss why key correlations have broken down and whether institutional buyers are changing the depth and shape of the next #Bitcoin bear market.
📺Full interview: https://www.youtube.com/watch?v=_6F1ITCnF0A
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
1-26-26 Bitcoin: Diversifier or Distraction – The Parker White Interview
2026-01-23
Bitcoin and cryptocurrencies are once again at the center of investor debate—but for very different reasons than past cycles. Lance Roberts and special guest, DeFi Development Corp’s COO, Parker White, examine what’s been happening beneath the surface of the crypto market, including the growing divide between older and younger Bitcoin cohorts and the increasing fractionalization of crypto ownership.
Is Bitcoin’s volatility evolving in a way that allows it to function as a portfolio diversifier, especially when compared to traditional hedges, like gold? What is its potential role in an all-weather portfolio? With 2026 shaping up as a potential “catch-up trade” year, we also address why altcoins continue to lag—and whether they still have a place in diversified portfolios.
The discussion
12-5-25 Roth Conversions, Money Rules & Financial Wellness: What Actually Works?
2025-12-04
Richard Rosso breaks down a study that modeled hundreds of thousands of retirement scenarios to determine which Roth conversion strategy performs best over a 10-year period:
• Staying in a traditional IRA/401(k) and taking RMDs
• A one-time Roth conversion
• A gradual, multi-year conversion strategy
RIA Advisors’ Financial Guardrails are timeless principles for building lasting wealth and protecting your financial future. Rich also shares insights from decades of experience helping investors avoid common pitfalls and build financial wellness that lasts generations.
0:00 – INTRO
0:19 – The Roth Account Smile
4:40 – Roth Applications for Different Stages of Life
12:41 – Rules Can Save You in a Turbulent World
14:55 – Annuities Should Be Planned, not Sold
15:52 – A Home is a Liability,
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