Best Restricted Stock Units Podcasts (2024)

1
7 Things You Need to Know About Roth IRAs to Maximize Tax-Free Income 17:00

7h ago17:00

17:00

Roth IRAs offer great tax-free income benefits, but to make the most of them in retirement, here are seven things you need to know: Contribution Limits: In 2024, you can contribute up to $7,000 annually ($8,000 if 50+), across both Roth and traditional IRAs. Access to Contributions: You can withdraw your contributions at any time, tax-free and pena…

1
End of Year Giving – Episode 18 28:04

11h ago28:04

28:04

On this episode of THE BOGART EFFECT, James Bogart, CFP®, CHFC®, is joined by Financial Advisor Morgan Veth, CFP®, to talk about charitable giving and the best vehicles to use when giving to your favorite causes. Call, log in, or visit to learn how we can help. 703-570-8651 www.BogartWealth.com IMPORTANT DISCLOSURE INFORMATION The previous presenta…

1
3 Steps to Prepare for an Out-of-State Retirement 17:09

27m ago17:09

17:09

Have you thought about what moving to a new state might mean for your retirement budget and lifestyle? In this Ready for Retirement episode, the focus is on preparing for an out-of-state retirement. James outlines three essential considerations for retirees planning a move: 1. Housing Costs and Expenses: From property values and local property taxe…

1
5 Things People Regret About Early Retirement 21:17

23h ago21:17

21:17

Many dream of retiring early, but you would be surprised to learn that many people who retire early regret doing so. James reveals five things that lead people to regret early retirement and provides practical tips to avoid these pitfalls. He explains why many individuals who retire before 65 struggle due to a lack of planning, overly conservative …

1
This Is the Single Most Important Thing You Can Do to Prepare for Retirement 21:25

8d ago21:25

21:25

James sits down with someone who’s financially set to retire—mortgage paid off, kids through college, and investments in place—but he’s still grappling with one big question: what’s next? Instead of focusing solely on financial strategies or retirement planning, James gives him some unexpected advice: start journaling. This led to a deeper conversa…

1
Retirement Cash Flow Planning – Episode 17 38:50

19d ago38:50

38:50

On this episode of THE BOGART EFFECT, James Bogart, CFP®, CHFC®, is joined by Financial Advisor Brian Windsor, CFP®, to talk about different factors and strategies to consider in your Retirement Cash Flow Planning. Call, log in, or visit to learn how we can help. 703-570-8651 www.BogartWealth.com IMPORTANT DISCLOSURE INFORMATION The previous presen…

51
The Complete Guide to Maximizing Your Social Security Benefit 20:19

15d ago20:19

20:19

For many, Social Security makes up a large portion of their retirement income, so it’s important to know how to maximize your Social Security benefit. James explains how Social Security works, diving into some important foundational aspects. He then explains four key strategies for maximizing benefits: 1. Work for 35 years to avoid zero-income year…

1
Restricted Stock Units: The Basics of RSUs and How to Use Them 20:00

1M ago20:00

20:00

ames responds to a question from Chris regarding restricted stock units (RSUs) and how to avoid costly mistakes when managing them. He explores whether it’s wise to hold onto company stock or diversify for a safer financial future. He breaks down how RSUs work, from vesting schedules to the tax implications of receiving stock as part of your compen…

1
Today's Housing Market – Episode 16 26:13

1M ago26:13

26:13

On this episode of THE BOGART EFFECT, James Bogart, CFP®, CHFC®, is joined by Financial Advisor Daniel Evans, CFP®, from Bogart Wealth's The Woodlands, Texas office, talking about the current state of the housing market and factors that led us here. Call, log in, or visit to learn how we can help. 703-570-8651 www.BogartWealth.com IMPORTANT DISCLOS…

1
Should We Always Pull From our Brokerage Account First in Retirement? (Hint: No) 26:47

1M ago26:47

26:47

Patrick and Mary will soon both be retired. They are curious about what their withdrawal strategy should be as they balance various retirement accounts, including a pension, IRAs, and a brokerage account. They've been using tax gain harvesting to minimize taxes and plan to eliminate gains by 2024. A key question is whether to withdraw from their IR…

1
How to Overcome Fears of Spending in Retirement 34:21

2M ago34:21

34:21

Ben has been a saver his entire life, which helped position him for an early retirement at the age of 53. Yet, he faces a big challenge. Having maintained his modest lifestyle, Ben’s comfortable portfolio has continued to grow and has nearly doubled in value. James and Ben discuss the challenges of making mindset shifts and the proactive steps Ben …

1
Elections and the Market – Episode 15 21:16

2M ago21:16

21:16

On this episode of THE BOGART EFFECT, James Bogart, CFP®, CHFC®, is joined by Bogart Wealth's Chief Investment Officer Aleksandr Spencer, CFA®, to discuss politics, investing, and the relationship between elections and the market. Call, log in, or visit to learn how we can help. 703-570-8651 www.BogartWealth.com IMPORTANT DISCLOSURE INFORMATION The…

1
Retire Happy: Build a Personalized Retirement Plan that You Can't Wait to Live Out 43:47

2M ago43:47

43:47

Monique aspired to retire early, and while she had faithfully saved throughout her working years, she wasn’t sure if she had enough to retire. After getting assurance from professionals, she took the plunge and quit working. Monique and James talk about the first two years of her retirement – how she’s been able to focus on her health and pursue so…

1
Unexpected Retirement: Finding Happiness and New Adventures 22:57

2M ago22:57

22:57

Elaine didn’t decide to retire at age 57, but changes in her company meant an early retirement for her. Being caught off guard, she didn’t feel emotionally prepared to make the shift, even though she knew that her family would be fine financially. One year into her retirement, she found her groove by focusing on her family, building new relationshi…

1
Lessons on Risk – Episode 14 28:38

2M ago28:38

28:38

On this episode of THE BOGART EFFECT, James Bogart, CFP®, CHFC®, is joined by Patrick Marcinko, CFP®, to define risk and how it plays a part in the investment and financial planning choices you can make. Call, log in, or visit to learn how we can help. 703-570-8651 www.BogartWealth.com IMPORTANT DISCLOSURE INFORMATION Past performance is no guarant…

1
Facing Health Challenges in Retirement and Learning to Reconnect with Your Spouse 30:54

2M ago30:54

30:54

After his father lost healthcare coverage in retirement and had to pay for a major health event with savings, Derek was highly motivated to ensure sufficient coverage in retirement. He even considered leaving the job he loved for one with better healthcare and retirement benefits. Derek shares his retirement journey with James, including: ➡ Decisio…

1
How to Thrive in Retirement by Embracing the Unknown 34:35

3M ago34:35

34:35

Chris has been retired for a little over a year while his wife has continued to work. Now that Chris has “tried on” retirement and found the fit good, his wife will likely join him within the year. In his conversation with James, Chris, who could be described as goal-oriented and one who likes to be prepared, talks about the pros and cons of retire…

1
Common Retirement Mistakes – Episode 13 31:30

3M ago31:30

31:30

On this episode of THE BOGART EFFECT, James Bogart, CFP®, CHFC®, is joined by Misty Garza, CFP®, from Bogart Wealth's Houston, TX office to cover a few common retirement mistakes that retirees and future retirees can think about in their planning. Call, log in, or visit to learn how we can help. 703-570-8651 https://bogartwealth.com IMPORTANT DISCL…

1
The Benefits of a Retirement Community and How to Find Your Purpose in Retirement 28:42

3M ago28:42

28:42

Meet Joe Sullivan, who found the first few years of retirement very difficult. Community is important to Joe, but he wasn't getting sufficient, routine social interaction to make meaningful connections while living in rural Virginia. He found his groove once he moved to a retirement community in Florida. James and Joe discuss the phases of retireme…

1
Introducing the New Ready For Retirement 9:46

3M ago9:46

9:46

Ready for Retirement is on a mission to be the most valuable source of retirement information in the world. In that light, we’re making some changes. The biggest change is that rather than James doing all the talking, he’s inviting people like you to be part of the show. Some of you have real-life retirement advice to share. Others of you have ques…

1
Am I Too Old for Roth Conversions? 3 Things to Consider 23:42

3M ago23:42

23:42

Gary is a 73-year-old with $8 million in savings. Despite having substantial assets, he’s concerned about missed opportunities for Roth conversions as he faces significant required minimum distributions. James encourages Gary to reassess his investment strategy, particularly the bond funds in his Roth IRA, and align his tax planning with his broade…

1
Are You Ready if Retirement Comes Early – Episode 12 28:08

3M ago28:08

28:08

Today, James Bogart, CFP®, CHFC®, is joined by Leah Dwyer, CFP®, to discuss how to plan for and prepare for retirement if it suddenly comes earlier than expected. Call, log in, or visit to learn how we can help. 703-570-8651 https://bogartwealth.com IMPORTANT DISCLOSURE INFORMATION The previous presentation by Bogart Wealth, LLC (“Bogart”) was inte…

1
3 Key Factors to Consider Before Paying Your Mortgage Off in Retirement 19:12

4M ago19:12

19:12

Connor plans to retire soon and wonders if he should pay off his mortgage of $300,000 or invest those funds, especially since he has a low interest rate. James gives a detailed response and reveals why there is no one-size-fits-all answer. When it comes to having a mortgage in retirement, math and spreadsheets can help with part of the question, bu…

1
Pre-Retirement Tax Planning: Things to Know to Save Big in Retirement 21:51

4M ago21:51

21:51

Retirement tax planning should begin well before retirement. Listener Jodie, with over $2 million in assets in various types of accounts, is concerned about the high tax bracket she anticipates she be in in retirement. Is there a tax strategy that would put her in a lower tax bracket? James explores some often-overlooked tax strategies that can sav…

1
Having a Succession Plan for Your Advisor – Episode 11 22:27

4M ago22:27

22:27

Financial Advisor Nell Cordick, CFP®, joins James Bogart, CFP®, CHFC®, to discuss the importance of having a succession plan in case your advisor changes. Call, log in, or visit to learn how we can help. 703-570-8651 https://bogartwealth.com IMPORTANT DISCLOSURE INFORMATION The previous presentation by Bogart Wealth, LLC (“Bogart”) was intended for…

1
Social Security Demystified: Calculating Taxation, Provisional Income, and the Tax Torpedo 17:18

4M ago17:18

17:18

Listener Michael asks about how Social Security is taxed, the rationale behind the 50% and 85% tax thresholds, and the implications of these taxes on Social Security and IRA withdrawals. James responds by explaining how Social Security is taxed at the federal level, highlighting the concept of provisional income and the thresholds that determine th…

1
The Roth Conversion Sweet Spot: Maximize Retirement Savings (And Avoid Costly Mistakes) 24:31

4M ago24:31

24:31

Listener Nael opens up a discussion about Roth conversions. There are benefits to doing Roth conversions, but can you do too many? Are there any downsides to Roth conversions? Reaping the tax benefits from Roth conversions requires hitting a specific sweet spot. If you convert too little or too much, you’ll be leaving money on the table. So, how do…

1
How to Not be a Burden on your Kids - Episode 10 24:17

4M ago24:17

24:17

Financial Advisor Morgan Veth, CFP®, joins James Bogart, CFP®, CHFC® to discuss how a sound financial plan can lift the burden on your kids regarding financial, medical, and lifestyle decisions in your older age. Call, log in, or visit to learn how we can help. 703-570-8651 https://bogartwealth.com IMPORTANT DISCLOSURE INFORMATION The previous pres…

1
How to Estimate Your Tax Bill in Retirement (And How to Pay it) 27:02

4M ago27:02

27:02

David has a question about taxes in retirement: When you’re retired and no longer getting a regular paycheck from which your employer withheld tax payments on your behalf, how do you estimate the taxes you’ll owe? To answer this question, it’s important to understand where income in retirement will be coming from and how that income is taxed. Once …

1
Retirement Income Strategies: IRA vs. Brokerage Withdrawals (The Tax-Smart Choice for Retirees) 33:01

5M ago33:01

33:01

Mark asks a common question – What should I do regarding my withdrawal strategy? Should I first pull from my brokerage account or my IRA? There is no one-size-fits-all answer, but James provides a framework for creating a strategy to increase your odds of getting the most out of your money saved. He walks through the pros and cons of first pulling …

1
Restricted Stock Units – Episode 9 28:20

5M ago28:20

28:20

Financial Advisor Patrick Marcinko, CFP® joins James Bogart, CFP®, CHFC® to discuss the complex topic of Restricted Stock Units and how they're granted, vested, and ultimately impact you and your financial plan. Call, log in, or visit to learn how we can help. 703-570-8651 https://bogartwealth.com IMPORTANT DISCLOSURE INFORMATION The previous prese…

1
The Four Phases of Retirement with Dr. Riley Moynes 30:01

5M ago30:01

30:01

Dr. Riley Moynes, author and creator of a popular TED Talk joins James to discuss his own retirement which led him to become the author of The 4 Phases of Retirement. While Dr. Moynes was financially prepared for retirement, he wasn’t prepared for the boredom and depression that followed the first two years of retirement fun. As it turns out, his r…

1
Planning for Large Costs in Retirement | Beyond the 4% Rule 22:42

5M ago22:42

22:42

Listener Sherry asks a good question: How do large, one-off expenses (like a new roof, new car, etc.) fit in the 4% Rule? James explains the concept of the 4% Rule and its limitations while demonstrating how it can be an effective guideline in planning and forecasting retirement success. He addresses the importance of anticipating one-off expenses …

1
Adding Value After Retirement – Episode 8 32:25

5M ago32:25

32:25

Financial Advisor Mike Camara, CFP® from our Woodlands, Texas office, joins James Bogart, CFP®, CHFC® to talk about the value a registered investment advisory firm like Bogart Wealth can provide after clients retire. Call, log in, or visit to learn how we can help. 703-570-8651 https://bogartwealth.com IMPORTANT DISCLOSURE INFORMATION The previous …

1
Early Retirement Health Insurance Strategies | Roth Conversions vs. ACA Subsidies 33:36

5M ago33:36

33:36

Healthcare subsidies are like a tax break and should always be optimized, right? That seems like an easy question that should have a straightforward answer. But the correct answer is, “It depends.” Cole from Move Health is back, as he and James explain how advanced premium tax credits work, when you might not want to take them, and why it’s imperat…

1
Health Insurance Options for Early Retirement 29:25

6M ago29:25

29:25

We meet many people who are in a position to retire early. But when they think about healthcare in retirement and not being eligible for Medicare until age 65, they feel stuck, even though they’re ready for retirement in every other way. Cole Craven of Move Health Partners chats with James about the healthcare options that are available for early r…

1
Everything You Need to Know About Medicare: Q&A with a Medicare Expert 42:21

6M ago42:21

42:21

Drew Shockley of MOVE Health Partners joins James to address questions about Medicare. He overviews the Medicare system, explains Parts A, B, C, and D, and breaks down what Medicare does and doesn’t cover, who is covered, and when/why you might want alternative coverage. Questions Answered: I’m 65, still working and qualify for Medicare, but I have…

1
Estate Planning – Episode 7 30:58

6M ago30:58

30:58

James Bogart, CFP®, CHFC® is joined by Financial Advisor Nell Cordick, CFP® to talk about the basics of estate planning including what are the different pieces of your plan, who all is involved, and why you should start thinking about your estate plan now. Call our office or visit our website to learn more about how we can help: 703-570-8651 www.Bo…

1
How to Prepare for Retirement Within 5 Years: 401k, Savings & Investment Changes 30:28

6M ago30:28

30:28

Graham and his wife are in their early 50s and plan to retire in 5 years. He wonders if they should continue maxing out their 401ks, how their investments should change, and what they should do with savings accounts to best prepare for their retirement goals. James addresses these questions, Graham’s biggest risk as he nears retirement, and potenti…

1
How to Know When You Should Stop Saving for Retirement (and What to Do Next) 31:23

6M ago31:23

31:23

Drew, a burnt-out, financially responsible 40-something father of two, hopes he can scale back from his stressful job and still be okay when it’s time to retire. James offers a practical and philosophical take as he tackles Drew’s question. He demonstrates how to determine when Drew and his wife will be in a good position to fully retire. He also c…

1
Investor Behaviors – Episode 6 22:48

6M ago22:48

22:48

Financial Advisor Daniel Evans, CFP® from Bogart Wealth's The Woodlands office joins James Bogart, CFP®, CHFC® to chat about investor behaviors and emotions that can impact investment decisions, as well as how investors can make sound financial choices. Call our office or visit our website to learn more about how we can help: 703-570-8651 www.Bogar…

1
3 Simple Steps to Determine If You Can Retire 21:19

7M ago21:19

21:19

How do you know if you can retire? It seems straightforward, but the answer is far from simple. Beyond portfolio balances and age thresholds, there are other things to consider. James explains his three-step test to determine your retirement readiness. By pulling together principles from the 4% Rule, straight-line projection, and a Monte Carlo anal…

1
Tax Planning for Widowed Retirees: How to Optimize Your Tax Strategy 21:54

7M ago21:54

21:54

Jennifer, 54, plans to retire soon. Her husband, 70, is retired, on Social Security, and dealing with some severe health issues. Jennifer worries about possibly becoming single in retirement, which could result in a higher tax bracket for her. Jennifer is considering whether to convert her traditional accounts to Roth to lower future taxes or to ch…

1
How to Find the Right Advisor for You – Episode 5 30:16

7M ago30:16

30:16

Bogart Wealth CEO & President James Bogart, CFP®, CHFC®, and Financial Advisor Jung Seh, CFP® talk about different types of financial advisors, what differentiates fee-only advisors and how they create value, and how to find an advisor that's best suited for you. Call our office or visit our website to learn more about how we can help: 703-570-8651…

1
Lump Sum vs. Annuitization: Tax Implications for Your Non-Qualified Annuity 17:43

7M ago17:43

17:43

Joe is planning for retirement and wants to minimize his tax burden, especially on the interest earned from his three annuities. James explains that non-qualified annuities are purchased with post-tax money and offer tax deferral on growth until withdrawal. When taking out funds, the principal is tax-free, but earnings are taxed at ordinary income …

1
At What Age Should I Work with a Financial Advisor? 24:02

7M ago24:02

24:02

Deciding to work with a financial advisor is about more than how much you've stashed away. It's also about determining whether an advisor's benefits outweigh the costs. In your higher earning years, finances become more complex. More money means more decisions and more chances to make mistakes or miss out on opportunities. That's where a quality ad…

1
Thinking About Saving as Gen Z – Episode 4 15:36

7M ago15:36

15:36

James Bogart, CFP®, ChFC® is joined by Associate Financial Advisor Nick Conforti, CFP®, who is also an associate in Bogart Wealth's Advisor Growth Track, to talk about how Gen Z should think about saving in order to jumpstart their future. Call our office or visit our website to learn more about how we can help: 703-570-8651 www.BogartWealth.com IM…

1
Sell, Rent, or Borrow? Best Ways to Use Home Equity in Retirement 24:48

7M ago24:48

24:48

Listener Ray is wondering what to do with his home as he embarks on a nomadic, van-life journey in retirement. Should he sell it to finance his travels or retain it for potential appreciation and cash flow? James explores the nuances of home ownership as an asset versus an investment. He considers cash flow and leverage as he looks at Ray’s three o…

1
Pay ZERO Capital Gains Tax vs Roth Conversions in Retirement: How to Determine Which is Best 34:55

8M ago34:55

34:55

Listener Drew asks about a tax strategy for juggling capital gains and Roth conversions. While it can be a complicated question – especially when large accounts are involved – James provides some general guidelines that can be helpful for anyone with similar gnarly tax strategy challenges in retirement. In this episode, we’ll cover the extent to wh…

1
The Family Conversation – Episode 3 29:30

8M ago29:30

29:30

Join host James Bogart, CFP®, CHFC® and Financial Advisor Morgan Veth, CFP® as they discuss "The Family Conversation" and how they approach talking about money, investments, and retirement with their loved ones. Call our office or visit our website to learn more about how we can help: 703-570-8651 www.BogartWealth.com IMPORTANT DISCLOSURE INFORMATI…

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Restricted Stock Units Podcasts

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