by Lance Roberts
My articles My offerMy siteAbout meMy videosMy books
Follow on:TwitterSeeking AlphaFacebookAmazon
| Tax planning is no longer seasonal—it’s strategic. In this Dynamic Learning Series presentation, Danny Ratliff and Sarah Buenger break down the new tax landscape and walk through actionable strategies investors, retirees, and business owners can use right now to reduce lifetime tax liability and improve long-term wealth outcomes. We begin with the biggest shifts shaping today’s tax environment and highlight the “low-hanging fruit” opportunities many investors overlook. From there, we build into intermediate strategies like income timing, tax bracket management, retirement contribution optimization, and Health Savings Account (HSA) strategies—including how HSAs can serve as a powerful stealth retirement tool. We also explore flexible planning tools such as 529 plans, government-funded opportunities for children, and how to think about multi-purpose tax-advantaged accounts across different life stages. For more advanced planning, we dive into Qualified Business Income (QBI) optimization, Roth conversion ladders, backdoor and mega Roth strategies, and how to evaluate whether Roth or traditional 401(k) contributions make the most sense in today’s environment. We also cover capital gains strategies, dividend taxation (qualified vs. ordinary), and how to manage the tax impact of conversions. Estate and legacy planning play a critical role in tax efficiency. We explain the importance of step-up in basis, how it applies to real estate and inherited assets, and the broader impact of taxes on estate planning decisions. Hosted by RIA Advisors Senior Financial Advisor, Danny Ratliff, CFP, w Senior Advisor, Sarah Buenger, CFP, MSPFP, MPASSM Produced by Brent Clanton, Executive Producer 0:00 - INTRO 1:22 - The New Tax Landscape -OBBB 3:00 - The Low Hanging Fruit 7:36 - Intermediate Strategies Overview 11:40 - Bracket & Income Timing 13:30 - Retirement Contribution Opportunities 17:40 - HSA Strategy 21:00 - Different Uses of 529 Funds 22:10 - Back to HSA's 23:10 - Government Seed Money for Children 25:00 - Advanced Strategies Overview - QBI Optimization 27:03 - Roth Conversion Ladder 32:41 - Impact of Taxes on Estate Planning 35:30 - Step-up in Basis 37:50 - Backdoor & Mega Roth opportunities 43:30 - To Roth or Not to Roth vs 401k 45:20 - Capital Gains Strategies 50:57 - Explaining Dividends - Qualitied vs ordinary 52:00 - Paying Taxes on Roth Conversions 55:44 - Relocation in Retirement 57:40 - Tax Decisions for 68-year old: Bunching 59:40 - Sole Proprietor LLC, what's the max contribution to 401k? 1:00:43 - Upper age limit on 529 Plan? 1:01:10 - Advisement for evaluating Roth Conversion 1:02:50 - Step Up in Basis applies to Real Estate 1:03:12 - Paying Taxes out of an IRA account? 1:03:52 - Inheriting long term stock 12:04:10 - Family High-deductible Healthcare Plan, Medicare, & HSA timing --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Register for our next Candid Coffee Presentation with Richard Rosso & Jonathan McCarty, Saturday April 18, at 8am CDT https://streamyard.com/watch/qBfU28XDus8N ------- 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/ #TaxPlanning #RothConversion #RetirementStrategy #WealthManagement #FinancialPlanning |
You Might Also Like
1-27-26 Fed Week Meets Mega-Cap Earnings: Volatility Incoming
2026-01-27
This week’s Fed meeting and mega-cap earnings window could set the tone for markets in the weeks ahead.
In this short video, Lance Roberts breaks down why Powell’s guidance matters more than the rate decision and how recent pullbacks in $AAPL, $MSFT, $META, and $AMZN may offer tactical trading opportunities.
📺Full episode:
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
1-22-26 What Kevin Warsh Brings to the Fed
2026-01-22
Betting markets are increasingly pointing to Kevin Warsh as a potential successor to Jerome Powell, with Kevin Hassett expected to remain in his White House role under Donald Trump. Which begs the question: What would a Warsh-led Federal Reserve actually bring to markets?
Lance Roberts & Michael Lebowitz explore the possibilities of a Warsh Fed: Would such likely be more tolerant of volatility, rely less on emergency interventions, and place greater emphasis on valuation, fundamentals, and disciplined policy rules?
0:00 INTRO
0:18 – Earnings, Economics, & Imminent Greenland Deal
2:48 – Markets Break Trendline – Look for Volatility
8:22 – Greenland, Denmark, & Danish Bonds
15:10 – What the Media Doesn’t Say About Bond Auctions
17:14 – Texas Winter & Nat Gas Futures
20:32 – Warsh vs
12-4-25 Why Markets Are Nervous About a New Fed Chair
2025-12-04
Markets are reacting to the rising odds of Kevin Hassett becoming the next Fed Chair. His pro-growth, lower-rate stance raises concerns that inflation might not get enough attention.
In this short video, Michael Lebowitz & Lance Roberts discuss why investors worry about inflation being underweighted and why one chair’s vote still doesn’t decide Fed policy.
📺Full episode: -iyGgj0
Catch me daily on The Real Investment Show: https://www.youtube.com/@TheRealInvestmentShow
10-15-25 Is the Fed Poised to Pause Quantitative Tightening?
2025-10-15
Federal Reserve Chair Jerome Powell just hinted that the Fed may soon pause its balance-sheet runoff — a potential shift that could reshape market liquidity and investor sentiment.
Lance Roberts breaks down:
* Why the Fed may pause QT — and what it signals about financial conditions.
* How ending balance-sheet runoff affects liquidity, yields, and asset prices.
* What history tells us about QT pauses and subsequent market rallies.
* Why the Fed’s portfolio composition (Treasuries vs. MBS) still matters for inflation and housing.
* Portfolio tactics if the liquidity tide begins to turn.
#FederalReserve #QuantitativeTightening #FedPolicy
#MarketLiquidity #StockMarketAnalysis
ChatGPT Gives Financial Advice On Volatile Markets
2025-10-13
Following Friday’s selloff amid the resurgence of tariff threats on China, I asked ChatGPT a simple question: ” How to Stay Calm In The Stock Market?” That simple question generated an engaging and humorous take on financial advice for navigating volatile markets. In this week’s post, I thought it would be helpful to review ChatGPT’s advice …
10-10-25 Maximize Your Money: The Hierarchy of Smart Savings Strategies
2025-10-10
How do you make every dollar work harder for you?
Richard Rosso breaks down the Hierarchy of Smart Savings Strategies — a smart, structured approach to prioritize where to save and invest for maximum growth and minimum taxes. This simple yet powerful framework helps you build wealth efficiently, protect against taxes, and optimize your financial future.
0:19 – Foundational Basis & Economic Conundrum
8:05 – Prioritizing Saving Money – Pay Yourself First
12:58 – How to Create a Tax Management Wave
15:50 – The Triple Tax Benefits of HSA’s
18:39 – After-tax Contributions to 401k
21:04 – Investing & Spending
23:55 – Life Insurance applications
👉 Subscribe for daily market insights and portfolio strategy updates.
Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP
The AI Trillion Dollar Question
2025-10-10
According to The Wall Street Journal, on an inflation-adjusted basis, technology companies have spent more in the last three years on data centers, chips, and energy than has been spent over the past forty years building out the nation’s interstate system. The massive amount of investments being put to work is stunning. But the Wall …
Tags: Featured,newsletter
