Best Ryan R Morrissey Podcasts (2025)

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4 Strategies to Avoid Tax Tsunami When Working Beyond 73 Years Old, #248 21:13

6 days ago21:13

21:13

As you get closer to the age of 73, it's more and more important to understand the financial strategies you can use to avoid a "tax tsunami" or "tax bomb." In this episode, I break down the basics of RMDs, explaining how they are calculated and the importance of planning ahead. You’ll want to make a note of these four key strategies to reduce your …

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Can Elon Musk and Doge Take Away My Social Security Benefit? #247 12:30

13 days ago12:30

12:30

In this episode, I address listener concerns about the future of Social Security, especially given recent changes under President Trump's administration and the involvement of the Department of Government Efficiency (Doge). I’ll dive into the current state of Social Security, the potential impact on your benefits, and how you can maximize those ben…

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FBI Warning On Suspicious Text Messages, #246 14:01

20 days ago14:01

14:01

In this episode of Retire with Ryan, I’m talking about the growing threat of smishing, a type of phishing scam where fraudulent text messages try to trick you into revealing personal information like your social security number, bank account details, or credit card information. I’ll explain how these scams are targeting individuals like you and sha…

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4 Ways To Get More Money Into Your 401K Plan, #245 18:42

27 days ago18:42

18:42

Maximizing your retirement plan contributions is one of the most powerful ways I can help you secure your financial future. As we near the end of the first quarter of 2025, it’s the perfect time to review your contributions. In this episode, I break down how you can ensure you're contributing the maximum allowable amount and why it’s essential to d…

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How Can I Protect My Portfolio From What’s Happening in Washington? #244 17:09

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about a year ago17:09

17:09

What’s the best way to protect your retirement savings when the market feels unpredictable? In today’s episode of Retire with Ryan, I cover the growing uncertainty caused by political decisions and how they affect your investments. From tariffs to immigration changes and government cutbacks, I’ll share insights on how to navigate this volatility an…

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When Can I Expect An Increase In My Social Benefit Increase Due To The Fairness Act? #243 19:39

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about a year ago19:39

19:39

In this episode, I dive into the latest developments with the Social Security Fairness Act and what these changes mean for retirees who were previously ineligible for Social Security benefits. With potential increases in payments and retroactive benefits, this episode is packed with critical insights for anyone impacted by the new law. I break down…

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Understanding Reverse Mortgages: Unlocking Home Equity for Retirement Income with Mitch Cooper, #242 36:07

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about a year ago36:07

36:07

What is the best way to access equity in your home for retirement income? In this episode of Retire with Ryan, host Ryan Morrissey is joined by Mitch Cooper, a Certified Reverse Mortgage Professional with Mutual of Omaha, to explore this very question. Mitch returns to the show to share his expertise on reverse mortgages, a powerful tool that allow…

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Navigating the 1031 Exchange with Eric Brecher, #241 42:44

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about a year ago42:44

42:44

In this episode of Retire with Ryan, we’re diving into the ins and outs of 1031 Exchanges with expert Eric Brecher. As Executive Vice President at the Chicago Deferred Exchange Company, Eric brings years of experience in navigating this complex IRS provision, which allows real estate investors to defer capital gains taxes when selling property. If …

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10 Penalty-Fee Withdrawal Options For Retirement Plans, #240 15:10

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about a year ago15:10

15:10

When it comes to retirement plans, the general rule is that you can’t access funds in your retirement account(s), without penalty, until age 59 ½. If you withdraw funds prior to 59 ½, you’ll get hit with a 10% penalty and income tax (if coming from a non-Roth account). But there are some instances in which you can make withdrawals penalty-free. We’…

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AI Stocks, Interest Rates, and Market Trends with Michael Collins, #239 28:47

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about a year ago28:47

28:47

Will AI stocks like NVIDIA continue their meteoric rise, or are we heading toward a market correction? What do recent Federal Reserve decisions mean for your investments and mortgage rates? And is it time to reconsider small-cap stocks? In this episode, I sit down with Michael Collins, CEO of WinCap Financial, to tackle the biggest financial trends…

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Getting Emergency Money From Your 401k, #238 8:55

about a year ago8:55

8:55

In an ideal world, everyone should aim to keep 3–6 months of living expenses in an emergency fund. But let’s face it—building that kind of safety net isn’t always easy. For many pre-retirees, most savings are tied up in retirement accounts, leaving limited options for unexpected expenses. So, what can you do if an emergency arises? In today’s episo…

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Health Insurance Options If You Retire Before Age 65, #237 16:43

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about a year ago16:43

16:43

If you retire early (before 65), you’re too young to qualify for Medicare. So what are your health insurance options? In this episode of Retire with Ryan, I’ll address five different options you have to get health insurance. I’ll also share some ways you can lower the cost of your premiums to keep coverage affordable until you qualify for Medicare.…

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How the Social Security Fairness Act Could Impact Your Retirement Income, #236 15:36

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about a year ago15:36

15:36

President Biden recently signed the Social Security Fairness Act into law, bringing significant changes to Social Security benefits for millions of public school teachers and former public employees. This new legislation eliminates provisions that previously reduced or limited their benefits. In this episode, I’ll break down how the bill works, who…

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2025 Stock Market Predictions, #235 19:47

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about a year ago19:47

19:47

Happy New Year! As we step into 2025, it’s time to reflect on the lessons of the past year and anticipate what’s ahead. In this episode, I take a deep dive into my 2024 market predictions—where I was right, where I went wrong, and the key takeaways to help guide your investment decisions moving forward. The S&P 500 delivered a remarkable 23.8% retu…

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Dissecting the Keys to Successful Investing with Larry Swedroe, #234 45:17

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about a year ago45:17

45:17

In this episode, I’m joined by Larry Swedroe, a thought leader in evidence-based investing and former Chief Research Officer at Buckingham Strategic Wealth. Larry has authored over 18 books that have shaped the way people think about personal finance, and now, after 28 years in the industry, he’s sharing the most valuable lessons he’s learned in re…

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How Rich Were The McCallisters In Home Alone? Ep #233 22:05

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about a year ago22:05

22:05

Happy Holidays and welcome to a special Christmas Eve episode of Retire with Ryan! To celebrate the season, I’m embracing the holiday spirit with a financial twist on the iconic Christmas movie, Home Alone. This 1990 classic has become a Christmas staple, featuring young Kevin McCallister, who’s accidentally left behind while his family flies to Pa…

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When an Annuity Makes Sense: A Real-Life Example with Andy Panko, #232 27:23

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about a year ago27:23

27:23

How can an annuity help you secure income in retirement? Annuities often come with a reputation for being complicated, expensive, and overhyped—but they aren’t one-size-fits-all. The truth is, while they’re not the best solution for everyone, there are situations where they can provide the guaranteed monthly income some retirees need. In this episo…

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Are Donor-Advised Funds A Smart Tax Move? Ep #231 16:31

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about a year ago16:31

16:31

Last year, Americans donated $558 million to charities. 69% of those donations come from individuals. They also donated 4.1 billion hours to charities. If you are someone making a donation to a charity, you need to know how they can help you reduce your taxes. One way to do that is through a donor-advised fund. What is a donor-advised fund? How doe…

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11 Potential Tax Changes Under A Trump White House, #230 16:12

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about a year ago16:12

16:12

What could a Trump White House and Republican-controlled Congress mean for your finances? In this episode, we break down the potential tax changes—from individual tax brackets to business deductions and state taxes—that could impact your bottom line. Tune in to understand the areas with low, moderate, and high potential for change and what steps yo…

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Mistakes To Avoid During Medicare Open Enrollment with Danielle Roberts, #229 29:18

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about a year ago29:18

29:18

How does Medicare Open Enrollment work? Do you need a supplement plan? How do you choose between a Medigap or Medicare Advantage plan? Navigating these questions can be overwhelming. That’s why Danielle Roberts—co-founder of Boomer Benefits and the author of “10 Costly Medicare Mistakes You Can't Afford to Make”—joins me in this episode to help you…

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2025 Medicare IRMAA Surcharge Updates, #228 14:43

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about a year ago14:43

14:43

On November 8th, 2024, Medicare announced that in 2025, Medicare Part B will cost $185 per month per person—an increase of about $10.30 from 2024. Keep in mind, if your income is above a certain point, you’ll have to pay an “Income-Related Monthly Adjusted Amount,” or “IRMAA” tax. Is there a way to avoid paying the IRMAA surcharge? I share some str…

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5 Overlooked Tax Benefits of 529 Plans, #227 16:48

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about a year ago16:48

16:48

In this episode, we’re diving into the often-overlooked tax benefits of 529 plans. Most people know that 529 plans can help cover college expenses, but there are other valuable perks beyond just tuition savings. From paying down student loans to making the most of tax deferral advantages, this episode breaks down five key tax benefits you may not b…

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Do Small-Cap Stocks Offer Greater Growth Potential Than Large-Cap Stocks? #226 13:12

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about a year ago13:12

13:12

The S&P 500 is having another stellar year, yet small-cap stocks—representing the smallest publicly traded companies in the United States—haven't performed as well. While this might seem like a downside, it can also present unique opportunities for investors. In this episode, we’ll dive into the pros and cons of investing in small-cap stocks, the p…

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Will the Outcome of the Presidential Election Impact the Stock Market? #225 15:01

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about a year ago15:01

15:01

The 2024 election is just days away, and soon you'll have your final chance to cast your vote. With so much at stake, many are anxious about how the markets might respond based on who takes the White House. In this episode of Retire with Ryan, I’ll dive into what we could expect from a Trump or Harris presidency—and explain why, no matter the outco…

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7 Ways to Keep Your Estate from Landing in Probate, #224 18:32

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about a year ago18:32

18:32

In some states, probate is avoidable. However, in many states, you can avoid having your estate go through the probate process. I recently went through the probate process when my grandfather passed away and I helped my father settle his estate. It is far easier for your family to settle your estate once you’re gone if it doesn’t go through probate…

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7 Steps To Protect Your Schwab Accounts From Hackers, #223 16:08

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about a year ago16:08

16:08

Protecting your finances from hackers is more critical than ever. Cybercriminals are getting more sophisticated, accessing sensitive information like social security numbers and attempting to steal directly from financial accounts. I recently experienced this firsthand when someone impersonated one of my clients. The fraudster knew my client’s soci…

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Can I Do A Roth Conversion Before Age 59 ½? #222 13:26

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about a year ago13:26

13:26

Age 59 ½ is the magic age at which you can start taking distributions from retirement accounts without a penalty. This listener is wondering if he can convert part of his IRA to a Roth IRA even though he’s not 59 ½. And if he goes ahead with the conversion, will it be subject to the 10% penalty? Listen to this episode to find out. You will want to …

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7 Year-End Tax Moves For Pre-Retirees, #221 19:53

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about a year ago19:53

19:53

It can be overwhelming to think about what you can do to minimize your tax burden. That’s why, in last week’s episode, we covered 7 year-end tax moves for retirees. This week, we’ll tackle what those nearing retirement need to dive into at the end of every calendar year. We all need to be mindful of how our decisions impact our tax burden and this …

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7 Year-End Tax Moves For Retirees, #220 17:41

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about a year ago17:41

17:41

Tax planning—and anything related to taxes, in general—isn’t most people’s favorite topic. But because we’re getting toward the end of the year, it’s actually a great time to think about tax planning and all of its benefits. In this episode of Retire with Ryan, I’ll share 7 things you should think about that can (and will) help save you money in re…

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How To Get More Retirement Income Using Retirement Guardrails with Matthew Jarvis, #219 27:13

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about a year ago27:13

27:13

You’ve likely spent your entire lifetime saving for retirement. How do you make sure the money lasts as long as you do? How do you make sure you enjoy your retirement? It’s a balancing act for which there may be a solution. Matthew Jarvis is a Financial Advisor who runs Jarvis Financial, located in Seattle, WA. He’s also the host of the podcast “Th…

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How Much Do I Need To Retire? #218 12:27

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about a year ago12:27

12:27

How much money do you need to save for retirement? $500,000? $2 million? The answer will never be the same. It’s specific to you. So how do you figure it out? In this episode of Retire with Ryan, I’ll share five steps you can follow to determine how much you need to retire. You will want to hear this episode if you are interested in... [1:25] Step …

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Will Social Security Become Tax-Free? #217 13:05

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about a year ago13:05

13:05

Could Social Security become tax-free? As the political scene heats up leading up to the 2024 Presidential Elections, and both candidates make their case for election, the topic of taxation has come up. Former President Trump has promised that Social Security won’t be taxed if he’s elected. What could that mean for you? How is it currently taxed? I…

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How Parents Can Best Manage Student Loans with Erik Kroll, #216 28:25

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about a year ago28:25

28:25

Did you take out a parent PLUS loan or private loan to help your kids pay for college? Are you still struggling to pay off those loans? According to StudentAid.gov, over 9 million people over 50 have student loan debt. Of those, over 1 million have loan balances north of $100,000. If you’re nearing retirement, the last thing you want on your plate …

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Breaking Down The IRS's New Finalized Regulations On Inherited Retirement Accounts, #215 15:17

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about a year ago15:17

15:17

If you’ve inherited an IRA from someone who wasn’t your spouse since 2020, you can’t miss this episode. Why? The IRS has finally cleared up a lot of questions that had been left unanswered about inherited IRAs from a non-spouse. Though I’ve covered the topic in previous episodes, I wanted to break down the regulation further in this episode. You wi…

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New NAR Rules Governing Real Estate Sellers and Buyers With Raquel Fernandez, #214 32:13

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about a year ago32:13

32:13

In March, The National Association of REALTORS® (NAR) settled an antitrust lawsuit. The lawsuit alleged that NAR didn’t allow sellers to negotiate what they could pay buyer’s agents. The changes outlined in the settlement will impact “business as usual.” As of August 17th, 2024, the way home-buying and selling transactions happen will change. Raque…

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Financial Steps To Take After A Divorce, #213 16:13

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about a year ago16:13

16:13

What steps should you take to get your financial life in order after a divorce? In this episode of Retire with Ryan I lay out, step-by-step, the checklist of things you’ll want to look over, everything from calculating your net worth to designating beneficiaries. There’s a lot to consider. My aim is to simplify the process so that you can focus on …

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Financial Steps To Take During Divorce With Renée Bauer, #212 32:34

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about a year ago32:34

32:34

In episode #211, we talked about the information you need to gather to prepare to file for divorce and the initial proceedings. But what financial steps do you need to take during a divorce? How do you figure out what life will look like on the other side? How does splitting your assets actually work? Renée C. Bauer—an experienced family law attorn…

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Financial Steps To Take Before Divorce, #211 13:41

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about a year ago13:41

13:41

We’ve all heard the statistics that almost half of all marriages end in divorce. And divorce comes at a large cost. That’s why you should come up with a plan for life after divorce. Look at your net worth, put together a budget, and make projections for your future. Let’s get you prepared as you can be. To do that, I’m launching a three-part series…

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4 Ways To Get More Money Into Tax-Free Roth Accounts, #210 18:22

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about a year ago18:22

18:22

Why would you want to make a Roth contribution? If you believe tax rates will be higher in the future, it could benefit you. How? The contributions grow tax-deferred. When you withdraw the money, it’s tax-free. A tax-free income can be very beneficial in retirement. In 2024, you can contribute $7,000 to a Roth IRA. If you’re over 50, you can contri…

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How To Earn More In Your Health Savings Account, #209 16:57

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about a year ago16:57

16:57

One of my favorite ways to save for retirement is through a Health Savings Account (HSA). Too many people overlook a health savings account as a great way to save for retirement and healthcare costs. So how do you get the most bang for your buck out of your HSA? I share some simple strategies that very few people employ in this episode. Disclaimer:…

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Is Social Security Going Broke? #208 15:05

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about a year ago15:05

15:05

Will your benefits be there when you need them the most? If so, should you collect your benefits as soon as possible? This is something I’m frequently asked, so much so that I decided it was time to address it. So in this episode of Retire with Ryan, I’ll cover how Social Security works, how long Social Security will remain solvent, and whether or …

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Top Tax Mistakes to Avoid with Steven Jarvis, #207 28:51

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about a year ago28:51

28:51

What are some of the biggest tax mistakes you should be avoiding when you file taxes? CPA Steven Jarvis has worked on thousands of tax returns. He focuses on helping people who have a long-term focus. He wants to make sure his clients only pay every dollar they owe and nothing more. It’s not about getting a big tax return. It’s about looking at the…

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Understanding Current Trends in ETFs with Matthew Bartolini, CFA, CAIA, #206 24:10

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about a year ago24:10

24:10

What are the current trends with ETFs? What’s happening in the fixed-income market? How can investors tackle current challenges? Matthew Bartolini, CFA, CAIA—the head of ETF Research at State Street Global Advisors—joins me to dissect the ETF market and how investors can handle volatility. Matthew believes the ETF market will only continue to grow …

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How to Evaluate if Your Financial Advisor Is Delivering Value, #205 22:00

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about a year ago22:00

22:00

How do you know if your financial advisor is delivering value? Is seeing a financial gain in your investments the only metric you should use? I’ve identified four key areas where your financial advisor should be delivering value to you: Awareness of costs and fees, performance of your portfolio, financial planning benefits, and communication. I’ll …

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What To Expect Once I've Hired A Fee-Only Financial Advisor (Part 4), #204 28:19

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about a year ago28:19

28:19

What should you expect once you’ve hired a fee-only financial advisor? Fee-only financial advisors typically offer financial planning, investment management, or a combination of both. In this episode, I’ll cover what each process will be like because what you’re hiring your financial advisor to do will determine how your experience will be (and wha…

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How To Find and Hire a Fee Only Financial Advisor (Part 3), #203 24:40

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about a year ago24:40

24:40

How do you find a fee-only financial advisor who’s the right fit for you? I’ve outlined a detailed process that you can use to not create a list, research your list, and interview and hire the perfect fit for you. I’ll cover it all in this episode. This is Part 3 of a five-part series about financial planners to celebrate the release of my first bo…

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The 3 Types of Financial Advisors (Part 2), #202 19:37

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about a year ago19:37

19:37

What are the three different types of financial advisors? Why do I believe a fee-only financial advisor is the best? If you’re considering hiring a financial advisor for the first time—or questioning if your current advisor has your best interests at heart—don’t miss this one. It’s part 2 of my series in which I’m covering some of the topics in my …

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Financial Advisors: What Do They Do and Why Hire One (Part 1), #201 19:24

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about a year ago19:24

19:24

I’ve spent the last 18 months writing the first book, “Fiduciary: How to Find, Hire, and Establish a Trusted Partnership with a Fee-Only Advisor,” which will officially be published on May 28th. I wrote this book to help everyone find a financial advisor who will put their interests first. Why? I see too many bad financial advisors harming their cl…

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IRS Update For Inherited IRAs and Roth IRAs, #200 16:55

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about a year ago16:55

16:55

Have you inherited an IRA from a non-spouse who passed away after 1/1/2020? Beneficiaries of pre-tax retirement accounts have always had to pay taxes on what they inherit. However, on 1/1/2020, the SECURE Act was passed, changing the annual amount that beneficiaries would have to withdraw. Beforehand, non-spousal beneficiaries could: Cash out the a…

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5 Things To Know About Divorce and Social Security, #199 18:22

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about a year ago18:22

18:22

If you are divorced and approaching 62, you may qualify for social security benefits based on your ex-spouse's earning record. But who qualifies? When can you collect it? How much can you collect? Does your ex-spouse find out? I’ll answer the things you need to know in this episode of Retire with Ryan. You will want to hear this episode if you are …

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Ryan R Morrissey Podcasts

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