#  @rootfp James Conole, CFP® James Conole, CFP® posts on YouTube about retirement, investment, money, financial education the most. They currently have [-------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/youtube::UCBNdQfS-fzODmYb8Hkr4egA/interactions)  - [--] Week [------] +0.94% - [--] Month [-------] -33% - [--] Months [---------] -17% - [--] Year [---------] -4.10% ### Mentions: [--] [#](/creator/youtube::UCBNdQfS-fzODmYb8Hkr4egA/posts_active)  - [--] Month [--] -26% - [--] Months [---] +101% - [--] Year [---] -2.80% ### Followers: [-------] [#](/creator/youtube::UCBNdQfS-fzODmYb8Hkr4egA/followers)  - [--] Week [-------] no change - [--] Month [-------] +0.49% - [--] Months [-------] +5.60% - [--] Year [-------] +19% ### CreatorRank: [-------] [#](/creator/youtube::UCBNdQfS-fzODmYb8Hkr4egA/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) 92.86% [social networks](/list/social-networks) 2.14% [technology brands](/list/technology-brands) 1.43% [stocks](/list/stocks) 0.71% **Social topic influence** [retirement](/topic/retirement) #588, [investment](/topic/investment) #3118, [money](/topic/money) 37.14%, [financial education](/topic/financial-education) #113, [education](/topic/education) #3915, [dividend](/topic/dividend) #178, [longterm](/topic/longterm) #267, [fund](/topic/fund) #87, [the most](/topic/the-most) 13.57%, [social security](/topic/social-security) #124 **Top accounts mentioned or mentioned by** [@erintalksmoney](/creator/undefined) [@rootreadyadvisor](/creator/undefined) [@carenmagill](/creator/undefined) [@advisortechbook](/creator/undefined) [@root_financial](/creator/undefined) ### Top Social Posts Top posts by engagements in the last [--] hours "4 Simple Ways to Increase Your Social Security Benefit in [----] Having a comfortable retirement is undoubtedly a shared goal and understanding the intricacies of Social Security can significantly contribute to achieving that dream. In this video I dive into four simple yet powerful strategies to help you maximize your Social Security benefits. Know the Calculation Basics: It's first essential to understand how Social Security benefits are calculated. Unlike regular taxes Social Security is funded through payroll taxes. The first $168600 of your earnings for [----] is subject to a 12.4% tax split" [YouTube Link](https://youtube.com/watch?v=9fIR5WWTFlk) 2024-01-06T18:00Z 207K followers, 91.2K engagements "Should I Collect Social Security Early and Invest it When you go to collect Social security you want to make sure youre selecting the option to open the most amount of dollars in your pocket over the course of your retirement. Some people think its best to take social security at [--] while others believe its better to delay social security and collect a larger benefit. In todays video we are going to talk about what is the best age to file for social security retirement benefits and what are the pros and cons of taking social security early versus delaying it. Learn the tips & strategies to" [YouTube Link](https://youtube.com/watch?v=9nZi147unB4) 2021-12-18T20:00Z 207K followers, 366.8K engagements "The Hidden Flaw in Monte Carlo Analysis That's Ruining Retirement Plans Many retirees focus on achieving a high Monte Carlo probability of success in retirementbut is chasing a 99% success rate always the best move In this episode James highlights a real-life story of a man forced to delay retirement after a divorce dropped his probability of success from 99% to 70%. James explores why this single number shouldn't drive such massive decisions. He explains how contextlike income sources spending flexibility and home equitymatters more than a static success rate. Youll learn why 100% isnt" [YouTube Link](https://youtube.com/watch?v=CRzZjMha20w) 2025-04-01T16:00Z 207K followers, 34.2K engagements "We have a $3M Retirement Portfolio. How Much Can We Spend Without Running Out of Money Jeffrey and Cindy came to me with $3 million saved and one big question: How much can we actually spend in retirement In this video we walk through a retirement planning scenariolooking at spending goals taxes travel healthcare and how Social Security might factor in. While the numbers vary the framework we use applies whether you're working with $300000 or $30 million. We explore how to think about sustainable withdrawal rates portfolio flexibility and trade-offs between spending today and planning for" [YouTube Link](https://youtube.com/watch?v=NA-IHhAlqvc) 2025-05-10T17:00Z 207K followers, 192.5K engagements "You Need to Retire Early - Here's Why Theres really only one way to reach the level of success most people say they want and its not about working until [--]. Its about having a plan to retire early. Not as a finish line but as a mindset. Early retirement means your money is working for you giving you the ability to choose how you spend your time instead of waiting for an arbitrary age when youre supposed to stop working. In this video James walks through a real case study to show how this mindset changes everything from cash flow and withdrawal rates to how much of life you actually get to" [YouTube Link](https://youtube.com/watch?v=SuHUCNDTnzk) 2026-01-25T20:00Z 207K followers, 17.9K engagements "How to pay 0% Long-Term Capital Gains Tax #retirement #taxes" [YouTube Link](https://youtube.com/watch?v=V8ToHqX-ptc) 2023-10-03T00:07Z 207K followers, 28.8K engagements "What are you really buying with one more year What are you really buying with one more year . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners" [YouTube Link](https://youtube.com/watch?v=XNS4j4ddlrw) 2026-02-04T15:00Z 207K followers, [----] engagements "4 Simple Retirement Income Strategies Retirement planning is essential for financial security in your golden years and understanding different strategies is key. Here are four approaches to retirement income planning: Strategy 1: Maximize Guaranteed Income Sources Focus on maximizing sources like Social Security benefits to cover all retirement needs. Pros: stable income covers essentials reduced reliance on investments. Cons: less flexibility uncertain future of Social Security limited growth potential. Strategy 2: Live Off Portfolio Dividends Rely on dividends from your investment portfolio" [YouTube Link](https://youtube.com/watch?v=bACANtbmGs4) 2023-07-22T17:00Z 207K followers, 94.5K engagements "Roth Conversions: When Will You Actually Break Even Roth conversions can save you millions in taxes over the course of your retirementbut when do you actually see the benefit Many retirees assume the break-even point is decades away making them question whether conversions are worth it. In this video we walk through Luke and Marys retirement plan to see exactly where the break-even point happens. More importantly well show you why looking at tax-adjusted asset valuenot just dollar amountsis the right way to measure success. By filling up the 22% tax bracket until age [--] Luke and Mary could" [YouTube Link](https://youtube.com/watch?v=fcLExupsM-U) 2025-03-08T18:00Z 207K followers, 27.8K engagements "How Much Can I Spend if I Retire at [--] with $2M Thinking about how much you can safely spend in retirement In this video I walk you through a real-life case study that shows why relying on the 4% rule might not give you the full pictureespecially when you consider Social Security timing taxes and changing spending needs over time. Using Donnas retirement plan as an example I show how a more thoughtful strategy can create smoother cash flow more flexibility early on and greater confidence in your long-term plan. Instead of starting with a withdrawal rate we begin with your desired after-tax" [YouTube Link](https://youtube.com/watch?v=oyAVRD5y9s4) 2025-04-19T17:00Z 207K followers, 35.3K engagements "At What Point Should I Take the Tax Hit on Unrealized Gains Benjamin nearing retirement at [--] faces a familiar dilemma with his taxable account housing expensive mutual funds. Despite their underperformance converting to low-cost index funds entails a significant tax hit due to long-held appreciable value. James explains weighing the immediate tax consequences against the risk of holding onto underperforming assets. He also provides a framework for assessing risk identifying options and making decisions based on personal financial goals. Questions Answered: How can you decide whether to sell" [YouTube Link](https://youtube.com/watch?v=3CU--7J4Sto) 2024-02-20T18:00Z 207K followers, 36.8K engagements "Should your mortgage be paid off before retirement Should your mortgage be paid off before retirement . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial" [YouTube Link](https://youtube.com/watch?v=TJnw_VE5ANI) 2026-02-10T15:00Z 207K followers, [----] engagements "4 Simple Ways to Increase Your Social Security Benefit Do you want to get the most out of your Social Security benefit In today's video you'll learn how Social Security is funded and how you can maximize it. Timestamps: 00:00 - Introduction 1:00 - How Social Security Works 2:03 - Indexing For Inflation 3:00 - Earnings Are Means Tested 4:20 - Understanding Your Social Security Benefits 5:20 - Primary Insurance Amount 6:25 - Importance of [--] Years 7:43 - Delayed Retirement Credits 8:34 - Spousal Benefit 10:16 - Understanding Survivor Benefits 11:07 - Tax Planning & More Learn the tips &" [YouTube Link](https://youtube.com/watch?v=YkcdTGPqJas) 2023-02-04T19:00Z 207K followers, 1.1M engagements "Why $5 Million is the Tax "Danger Zone" Once your portfolio crosses $5 million the game changes. Growing your money is no longer the hard part. protecting it is. Tax mistakes that used to feel like small inefficiencies can quietly turn into six-figure problems that compound throughout retirement. This episode breaks down the tax strategies that actually matter once youre in high-net-worth territory. With multiple account types portfolio income pushing you into higher brackets and large pre-tax balances creating future RMD and Medicare risks the way you withdraw money becomes far more" [YouTube Link](https://youtube.com/watch?v=_fKwNDNMIuE) 2026-02-08T20:00Z 207K followers, 25.7K engagements "See How Roth Conversions Saved Them $595k in Taxes In Retirement Luke and Shannon's story is a testament to the power of proactive planning in retirement. It's not just about having enough money saved up but also about optimizing your finances to minimize tax liabilities. Today Im walking you through their journey and explaining how a few strategic changes made a significant impact on their retirement savings. When Luke and Shannon approached us they were already in a comfortable position financially. They had saved diligently and felt confident that they had enough to sustain their lifestyle" [YouTube Link](https://youtube.com/watch?v=h47An54RzfM) 2024-03-02T18:00Z 207K followers, 78K engagements "When Should You Work with a Financial Advisor When does it make sense to work with a financial advisor It may surprise you but we don't believe every single person needs a financial advisor. We do believe it can be helpful depending on your situation and James discusses the primary factors to consider when it comes to thinking about hiring a financial advisor. Learn the tips & strategies to get the most out of life with your money. 00:00 - Introduction 2:50 - Asset Allocation 4:00 - Diversification 5:25 - Tax Planning 7:38 - Maximum Income 9:03 - Guardrails 10:45 - Happiness In Retirement" [YouTube Link](https://youtube.com/watch?v=1V1X-dovlF4) 2023-02-18T18:00Z 207K followers, 20.5K engagements "Portfolio Rebalancing Strategies: When To Rebalance Your Portfolio When it comes to portfolio rebalancing people often get confused about how to rebalance your portfolio and what portfolio rebalancing approach is right for them. What is portfolio rebalancing and how/ when should you rebalance your portfolio These are some of the questions people often struggle to find answers to. In today's video James Conole will go through when to rebalance your portfolio and which are the best portfolio rebalancing strategies. Learn the tips & strategies to get more life out of your money. TIMESTAMPS 00:00" [YouTube Link](https://youtube.com/watch?v=1mCXOq4n0F8) 2022-10-04T19:00Z 207K followers, 11.3K engagements "What Should You Do With Your 401k When You Retire Your 401(k) is likely your largest retirement assetso the decisions made about it can have a lasting impact. This episode explores the pros and cons of keeping a 401(k) versus rolling it over to an IRA. Learn when it makes sense to stay in a 401(k) especially for those retiring between ages [--] and [--] when a special IRS rule allows penalty-free withdrawals not available in IRAs. Keeping pre-tax funds in a 401(k) may also support more efficient backdoor Roth strategies. Six key factors influence the decision: cost control investment options" [YouTube Link](https://youtube.com/watch?v=3_t6bFByNs4) 2025-07-12T17:00Z 207K followers, 73K engagements "Should I Fund my Retirement Needs by Purchasing an Annuity Jason and his wife face a crucial decision: whether to purchase an annuity or pursue traditional investments as they prepare for a full-time slow-travel retirement. With a diverse array of income sources including pensions 401k property sales and Social Security they estimate their monthly expenses at $7500. James analyzes their situation emphasizing the balance between annuity stability and investment flexibility. He highlights the security of annuities and explains their limitations guiding the couple towards a tailored approach" [YouTube Link](https://youtube.com/watch?v=3eFBPV7g02M) 2024-03-05T18:00Z 207K followers, 105.6K engagements "Here's What Happens When You Draw Down Your 401k To Increase Social Security (Surprising) Delaying Social Security often sounds like a smart strategic moveespecially with that 8% annual increase. But its not an 8% return on your money and viewing it that way can oversimplify a more nuanced decision. What often gets overlooked is the effect of drawing down your investment portfolio while you wait. In this case study well look at how portfolio returns break-even points and opportunity cost all factor into the timing of benefits. Its not just about Social Security in isolationits about how the" [YouTube Link](https://youtube.com/watch?v=6Vfs9u0BxAc) 2025-04-26T17:00Z 207K followers, 491.1K engagements "Heres How to Pay $0 Taxes on $100k Retirement Income Cheat Sheet: https://rootfinancialpartners.com/important-numbers As a financial advisor I've often heard the phrase "If it sounds too good to be true it probably is." However in the case of creating tax-free income in retirement this adage doesn't necessarily hold up. In todays video I share a real-life case study of our clients John and Jane who we helped generate $100000 of tax-free income in retirement. A Common Misconception: Many think that funneling all their savings into Roth IRAs during their working years is the key to tax-free" [YouTube Link](https://youtube.com/watch?v=8pvqCAKc3vk) 2024-03-16T18:00Z 207K followers, 618.4K engagements "7 Ways to Reduce your Required Minimum Distributions (RMDs) The IRS mandates distributions from retirement accounts as individuals reach a certain age which can result in higher tax payments. 💡However there are strategies to minimize the impact of these required minimum distributions (RMDs) and save on taxes. Here are seven strategies to reduce your RMDs and optimize your tax situation: 👉 Roth Conversions 👉 Delay Social Security Benefits 👉 Qualified Charitable Distributions (QCD) 👉 Continue Working 👉 Utilize Joint Life Expectancy Tables 👉 Optimize Asset Location 👉 Plan for Tax" [YouTube Link](https://youtube.com/watch?v=IrU59jaT8r4) 2023-07-15T17:00Z 207K followers, 249.8K engagements "What Should You Do with Your 401k When You Retire If youre close to retirement one crucial aspect to consider is what to do with your hard-earned 401k savings. This decision requires careful thought and planning as it can significantly impact your financial well-being in the long run. James covers the key considerations to get the most out of your 401k plan: ➡ Analyzing Costs ➡ Assessing Control + Ease of Use ➡ Examining Investment Options ➡ Consolidations for Simplicity ➡ Coordinating Withdrawal Strategies In addition to those factors there are several other important considerations:" [YouTube Link](https://youtube.com/watch?v=Kux3LRJ4JFg) 2023-08-05T17:00Z 207K followers, 575.1K engagements "Can Capital Gains Push Me Into a Higher Tax Bracket Most of us generally understand how taxes and capital gains taxes work. Also we understand that ordinary income is taxed on one schedule and capital gains are taxed on another schedule. The question is will capital gains increase the taxes I pay on my ordinary income We also want to know what is the difference between short-term capital gains and long-term capital gains. In today's video James Conole is going to help you understand how capital gains impact the taxes you pay on the rest of your income and whetherwill it push you into a higher" [YouTube Link](https://youtube.com/watch?v=QBAn7LRC0_0) 2022-10-15T19:00Z 207K followers, 127.5K engagements "Social Security at [--] vs [--] vs 70: When should you start claiming your benefits When should you start claiming Social Security62 [--] or [--] Its one of the most important decisions in your retirement plan and the right answer depends on your situation. In this video we walk through the real trade-offs between claiming early waiting until full retirement age or delaying until [--]. Well cover how: Early filing reduces your benefit by up to 6.6% per year Delaying increases your benefit by 8% annually Your decision affects your investment portfolio taxes and survivor/spousal benefits Longevity plays" [YouTube Link](https://youtube.com/watch?v=QFJ1eW5ugyU) 2025-05-17T17:00Z 207K followers, 865.5K engagements "2 Big Roth conversion mistakes most people make" [YouTube Link](https://youtube.com/watch?v=T3TJ2-a3UfQ) 2023-08-08T16:53Z 207K followers, 63.8K engagements "This Is What a $10M Retirement Actually Looks Like Learn the tips & strategies to get the most out of life with your money. ======================= Most people assume a $10 million retirement means unlimited spending zero stress and never having to think about money again. The reality is far more nuanced. Watch as James breaks down what an eight-figure retirement actually looks like using a detailed case study of a couple entering retirement with roughly $10 million in assets. The focus isnt on luxury or excess but on how income taxes investments and lifestyle decisions intersect once work" [YouTube Link](https://youtube.com/watch?v=UUJLrAIY5EQ) 2026-01-04T20:00Z 207K followers, 50.6K engagements "Why You Shouldnt ONLY Buy The S&P [---] 🚨" [YouTube Link](https://youtube.com/watch?v=XLqHWuvQ7Fw) 2022-09-19T22:25Z 207K followers, 242.3K engagements "Retiring With a Pension Heres How It Changes Everything About Your Retirement Math Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worthhow close they are to a million two million or more. But if you have a pension that old framework can send you down the wrong path. In this episode James explains why retirees with pensions need to think in terms of cash flow not balances on a statement. James begins with a simple shift: a pension that pays $60000 a year acts like the income from a $1.5 million portfolio under a" [YouTube Link](https://youtube.com/watch?v=c8XjO9b6zuM) 2025-11-23T20:00Z 207K followers, 64K engagements "The [--] accounts you need working together to retire rich in [--] seconds. The [--] accounts you need working together to retire rich in [--] seconds. Follow for strategies that keep more money in your pocket ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory" [YouTube Link](https://youtube.com/watch?v=dEcNlbWwqeI) 2026-02-08T15:00Z 207K followers, 10.8K engagements "Does it Ever Make Sense to Purchase an Annuity Have you ever wondered if purchasing an annuity makes sense for you There are two conflicting opinions from financial advisors: some advocate for annuities while others advise against them. James explores the concept of being a fiduciary and the challenges of understanding the financial advisory industry. He covers when annuities may be a suitable option such as providing guarantees protecting against longevity guaranteeing core expenses and the benefits of Qualified Longevity Annuity Contracts (QLACs) in reducing required minimum distributions." [YouTube Link](https://youtube.com/watch?v=i1Af-HLRABE) 2023-10-31T18:00Z 207K followers, 97.4K engagements "Lump Sum vs Annuity: Which Pension Option Is Better In this video you'll learn the difference between taking your pension as an annuity vs. electing it as a lump-sum so you can determine what may make most sense for your individual situation. Learn the tips & strategies to create your secure retirement. TIMESTAMPS 00:00 - Introduction 1:35 - Maximizing Lifetime Payout 2:21 - Comparing Withdrawal Rates 4:12 - Example 7:57 - Lump Sum Withdrawal Rates 10:01 - Risk Tolerance 12:47 - Avoiding Annuity Option (is that smart) 15:26 - Social Security Impact 16:33 - Legacy Goals 17:00 - How Your" [YouTube Link](https://youtube.com/watch?v=lRD4roZPRWw) 2022-05-14T19:00Z 207K followers, 72.3K engagements "Which accounts do you have Which accounts do you have . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment" [YouTube Link](https://youtube.com/watch?v=mCumhZJiLmM) 2026-01-27T15:30Z 207K followers, 15.6K engagements "Am I Crazy For Paying My Financial Advisor $25k/year When youre doing well financially paying advisor fees might seem unnecessary. So do you need an advisor if youre already in a good place Having a successful retirement isnt just about not running out of money; its about what more you can do. Through a real-life client story I explain how having an advisors perspective to implement the right strategy can be more valuable than the cost of their fee. Advisors can help you avoid biases in the way you invest and plan. They can ensure you have the right withdrawal strategy and dont overpay on" [YouTube Link](https://youtube.com/watch?v=mH-eveDGNac) 2023-12-19T18:00Z 207K followers, 205.7K engagements "What to Do in Retirement: [--] Activities That Will Create a Fun and Fulfilling Retirement Do you know what youll do when you retire This can be the most challenging part of the decision to retire. When you retire theres a lot of free time for you to consider what you want to do with it. One of the most important things when it comes to retirement planning is to understand that you are retiring into something not out of something. In todays video James Conole will share with you some of the best activities and things to do in retirement that might help you have a fulfilling retirement." [YouTube Link](https://youtube.com/watch?v=mkull2IcBvo) 2020-07-07T08:00Z 207K followers, 133.1K engagements "5 Reasons to Retire as Soon as You Can In today's video you'll learn [--] reasons you'll want to retire as soon as you can. Comment below: which surprised you the most Timestamps: 00:00 - Introduction 1:40 - Non-renewable currency 2:54 - Time 4:13 - HEALTH Impact 5:39 - Friends & Family 7:14 - Best Years Are NOT Forever 8:51 - When You're Financially Ready 9:52 - Optimizing Life Learn the tips & strategies to get the most out of life with your money. Get started today https://www.rootfinancialpartners.com/ Subscribe to be notified for future videos:" [YouTube Link](https://youtube.com/watch?v=rgT-pC6JHJk) 2023-03-25T17:00Z 207K followers, 672K engagements "How Much Will I Pay in Taxes in Retirement Complete Guide to Retirement Taxes Important Numbers for [----] FREE PDF 👉 https://rootfinancialpartners.com/important-numbers As we transition from our working years to retirement the landscape of taxes undergoes a significant transformation. I explore various types of income commonly received during retirement and the tax implications associated with each. Transitioning from Payroll Taxes When you retire one of the initial benefits is the relief from payroll taxes also known as FICA taxes. These taxes which fund Social Security and Medicare are" [YouTube Link](https://youtube.com/watch?v=us0JDa1FeyI) 2024-01-27T18:00Z 207K followers, 298.3K engagements "Retiring After [--] The Rules Change (Hint: You Can Spend More) Retiring after age [--] changes the math and the priorities. You have fewer high-energy years shorter tax planning windows and RMDs much closer than most people realize. But you also often have higher Social Security clearer spending needs and more flexibility if the plan is built the right way. This episode breaks down how retirement strategy shifts when you retire later. Traditional withdrawal rules are built for [----] year retirements. If your timeline is closer to [----] years blindly following those rules can lead to significant" [YouTube Link](https://youtube.com/watch?v=yXxyNonnZVI) 2025-12-28T20:00Z 207K followers, 18.9K engagements "Here's When it's Time to STOP Saving for Retirement You shouldn't always save for retirement.as you would be missing the whole point of all of those years of saving In today's video you'll learn how to understand opportunity cost and compound growth and how that impacts when you should consider stopping to save any more dollars for retirement. Timestamps: 00:00 - Introduction 2:43 - Portfolio Growth 4:57 - Optimizing Time 7:13 - Opportunity Cost 10:08 - [--] Reasons To Stop Saving 11:55 - Avoid Regret 13:10 - Work With Us Learn the tips & strategies to get the most out of life with your money." [YouTube Link](https://youtube.com/watch?v=yv0Drvm8TPs) 2022-12-03T18:00Z 207K followers, 179K engagements "Blind ranking the best places to retire Blind ranking the best places to retire . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an" [YouTube Link](https://youtube.com/watch?v=zh8DjvM6IlU) 2026-02-12T15:30Z 207K followers, [----] engagements "Retirement Benchmarks by Age: [--] [--] [--] (And What If Youre Behind) Those 3x by [--] 6x by [--] 10x by [--] charts feel officialuntil your life doesnt match the average. In this episode James shows why age-based savings benchmarks miss the mark and replaces them with a simple four-step method that fits you. First get clear on spending in retirement (inflation-adjusted lifestyle-aware). Then credit guaranteed income like Social Security pensions annuities part-time work help to size the real gap. Applying a conservative withdrawal rate to turn that gap into a target portfolio and back-solve to today" [YouTube Link](https://youtube.com/watch?v=begtVpy290c) 2025-11-04T17:00Z 204K followers, [----] engagements "How to Avoid the RMD Tax Trap: Prevent" [YouTube Link](https://youtube.com/watch?v=c4MlUxxF_EQ) 2024-10-11T05:00Z 204K followers, [----] engagements "How Much Can I Expect To Spend In Retirement with a $2 Million Portfolio Watch the full video here https://www.youtube.com/watchv=8xkZgsMI9Co" [YouTube Link](https://youtube.com/watch?v=c5AmJLxU0Ow) 2024-01-18T06:00Z 202K followers, [----] engagements "The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs" [YouTube Link](https://youtube.com/watch?v=cCXcHi_6hjA) 2025-02-20T18:00Z 175K followers, [----] engagements "Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=cWPalG0hyIw) 2025-10-24T15:01Z 204K followers, [----] engagements "5 Steps to Know if Youre on Track to Retire In this video you'll learn the [--] steps to know if you're on track to retire. Learn the tips & strategies to create your secure retirement. TIMESTAMPS 00:00 - Introduction 1:30 - Retirement Expenses 4:30 - Inflation Considerations 6:33 - Non-Portfolio Income Sources 9:24 - How Much Of A Portfolio Do You Need 11:47 - What Are You On Track For 13:52 - Overview Of [--] Steps 14:32 - Working With US Free Retirement Checklist Here: https://rootfinancialpartners.lpages.co/resources-root-financial-partners/ SUBSCRIBE HERE:" [YouTube Link](https://youtube.com/watch?v=caxrLij5iiY) 2022-04-30T19:00Z 203K followers, 21.4K engagements "The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs" [YouTube Link](https://youtube.com/watch?v=ccV2EHuYFEs) 2025-02-18T06:00Z 175K followers, [----] engagements "Theres an opportunity cost to spending down your investments to delay social security" [YouTube Link](https://youtube.com/watch?v=d1lNy7aWEA0) 2025-12-17T21:34Z 207K followers, [----] engagements "Some people never spend their wealth Some people never spend their wealth. They just watch it grow until its too late to enjoy it. The goal isnt to die with the biggest bank account. Its to spend with intention while you still can. #retirementplanning #financialplanning #wealthmanagement #retirementgoals #moneymanagement #retirementstrategy ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel" [YouTube Link](https://youtube.com/watch?v=dSLupMkD3Gw) 2025-10-30T19:00Z 203K followers, [----] engagements "Roth Conversion Strategies for Singles: How Much Should You Convert" [YouTube Link](https://youtube.com/watch?v=d_bDGOGT-QE) 2024-11-21T06:00Z 203K followers, [---] engagements "Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=ddrqNN2KgZk) 2025-10-18T03:00Z 205K followers, 102.1K engagements "Working While Receiving Social Security Here's What You Need to Know Reaching the age of [--] marks a significant milestone for many individuals. After years of working hard and contributing to the Social Security system it's only natural to start thinking about collecting your benefits and getting back what you've invested. But what happens if you continue working while collecting Social Security benefits This topic can be confusing and misinformation abounds. In this video we'll clear up the confusion and provide you with everything you need to know about working and collecting Social" [YouTube Link](https://youtube.com/watch?v=dsqcxDW801g) 2023-10-14T17:00Z 206K followers, 160.2K engagements "18 Months Into Retirement This is What Surprised Me Most Retirement Reality Christian thought he was ready for retirement. He just didnt realize how heavy the weight had been until he finally set it down. After more than [--] years in a high-stress always-on role at a global chemical company Christian retired and discovered something he didnt expect: the stress didnt disappear all at once. It slowly melted away like taking off a 30-pound jacket he didnt even realize hed been wearing. In this episode of Retirement Reality Christian shares what the first [--] months of retirement have really felt" [YouTube Link](https://youtube.com/watch?v=e13Z4uiTM1k) 2025-12-25T00:00Z 207K followers, [----] engagements "Inside a Retirees Life: The Reality Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=eBY1jAqyZAY) 2025-10-31T03:00Z 203K followers, [----] engagements "Retiring at 54: Why Darren Says It Feels Surreal Retirement Reality In this episode of Retirement Reality Darren shares what its really like to walk away from work at [--] and why it still feels surreal. After decades of saving hitting his number and paying off the house a company reorg gave him the push he needed to finally make the leap. He talks about how it feels to go from structure to freedom overnight what surprised him about early retirement and why he refuses to see it as a forever decision. For Darren this season isnt about stopping life its about living it on his own terms. The" [YouTube Link](https://youtube.com/watch?v=eGeh8T7F-v0) 2025-11-12T20:00Z 204K followers, 13K engagements "Retiring Before You Start Social Security Make This Crucial Portfolio Adjustment If you're retiring before Social Security starts there's a critical portfolio adjustment you need to make to protect your retirement. In this video we break down why this change is so important and walk you through the step-by-step process to prioritize making your savings last. Well use Beckys case studyshes retiring at [--] with a $1M portfolio but wont claim Social Security until [--]. That five-year gap is where many people make costly mistakes. I'll show you how to structure your portfolio to maintain financial" [YouTube Link](https://youtube.com/watch?v=ehmGekVl0w0) 2025-03-01T18:00Z 204K followers, 194.3K engagements "Exactly How Much Should You Save for Retirement" [YouTube Link](https://youtube.com/watch?v=eyFDEr70t00) 2025-02-08T06:00Z 202K followers, [----] engagements "The Earliest (& Safest) Time to Stop Saving for Retirement Watch the full video here: https://youtu.be/DONUgjoFRgk" [YouTube Link](https://youtube.com/watch?v=f0vLJEccFPk) 2023-12-06T06:00Z 204K followers, [----] engagements "Can You Retire Without $1 Million The Truth Might Surprise You Forget the million-dollar retirement myth. The key to retiring comfortably isnt about hitting a magic savings number its about creating reliable sustainable income. Instead of focusing solely on net worth focus on three core factors: your monthly expenses guaranteed income (like Social Security pensions or rental income) and the gap your investments need to cover. Thats your real retirement number. Take a real-life example: a Southern California couple retired comfortably with just $300000 in investments. Why Because their" [YouTube Link](https://youtube.com/watch?v=fgx43ji-Zg8) 2025-08-02T17:01Z 205K followers, 37.2K engagements "Retiree Reveals What Its Really Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=fx--LJTAh88) 2025-11-18T16:01Z 204K followers, [----] engagements "What Retirement Is Actually Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=gBB15opBjcQ) 2025-10-30T03:00Z 203K followers, [----] engagements "Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=gJfdqEKfszw) 2025-10-25T15:01Z 203K followers, [----] engagements "Early Retiree Shares the Key to Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=gvvG7WR3o0A) 2025-10-23T03:00Z 203K followers, [----] engagements "The backdoor Roth strategy explained The backdoor Roth strategy explained . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC" [YouTube Link](https://youtube.com/watch?v=hR2BAD8TBJU) 2025-12-10T15:01Z 207K followers, [----] engagements "The best approach is usually the simplest one. The best approach is usually the simplest one. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners" [YouTube Link](https://youtube.com/watch?v=hqxW5C-G5eM) 2025-12-26T15:01Z 207K followers, 11.6K engagements "You Can Retire But You Might Not Like the Life You Built You can retire with enough money and still feel unhappy unfulfilled or lost. This is one of the most overlooked retirement planning mistakes and it has nothing to do with running out of money. James explains why many retirees who are financially prepared struggle in retirement even with no debt strong Social Security benefits pensions and seven-figure portfolios. Traditional retirement planning focuses on numbers probabilities and portfolio success but rarely addresses what life actually looks like after work ends. Using a real" [YouTube Link](https://youtube.com/watch?v=i1QX2Zyyuys) 2026-01-18T20:00Z 207K followers, 10.4K engagements "Mistakes Your Financial Advisor is Making with Your Portfolio" [YouTube Link](https://youtube.com/watch?v=iaDHq1gVonc) 2024-07-16T05:00Z 203K followers, [----] engagements "Retiree Reveals What Its Really Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=ik5qbwTjc8U) 2025-11-08T16:01Z 203K followers, [----] engagements "The Hardest Year of Retirement: What No One Warned Me About Retirement Reality Retirement doesnt always arrive on your schedule. Sometimes it shows up early uninvited and forces you to rethink everything you thought you knew. For Jim that moment came at [--] four years before the retirement date hed carefully planned for. One unexpected layoff and suddenly the identity hed built over decades in big tech was shaking underneath him. In this episode of Retirement Reality James shares the stress the fear and the sense of disorientation that came with having the rug pulled out from under him and the" [YouTube Link](https://youtube.com/watch?v=ikKRIijRhc8) 2025-12-18T00:00Z 207K followers, [----] engagements "Financial planning isnt an engineering problem. Financial planning isnt an engineering problem. You can get the inputs right your savings spending and timing and still face different outcomes. Markets and returns dont follow formulas. A good plan adapts when the math doesnt. #financialplanning #retirementplanning #investmentreturns #retirementstrategy ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel" [YouTube Link](https://youtube.com/watch?v=irrGBHhnWqg) 2025-11-06T21:01Z 203K followers, [----] engagements "Im Single with $1.5 Million. How Much Can I Spend in Retirement" [YouTube Link](https://youtube.com/watch?v=jEwbyTglzE4) 2024-04-02T05:00Z 205K followers, [----] engagements "The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs" [YouTube Link](https://youtube.com/watch?v=jP2Zdzezr2s) 2025-02-19T18:00Z 175K followers, [---] engagements "This is What a Real $3.2M Retirement Portfolio Looks Like" [YouTube Link](https://youtube.com/watch?v=jV1Y4qQTMEc) 2024-01-23T18:00Z 175K followers, [----] engagements "This is What a Real $3.2M Retirement Portfolio Looks Like Have you ever found yourself at a crossroads wondering how to determine the perfect mix for your retirement portfolio The questions can be overwhelming. What stocks should I own What bonds should be in my portfolio Where should I allocate them In this video I walk through a real-life example to shed light on the steps taken to guide one couple through this intricate process. Meet Todd and Katie Todd [--] and Katie [--] approached us with a $3.2 million portfolio seeking guidance on allocation. Despite diligent saving and investing they" [YouTube Link](https://youtube.com/watch?v=k1iRsKjeTOE) 2024-01-20T18:00Z 206K followers, 282.6K engagements "Three simple levers can reduce future RMD stress. Three simple levers can reduce future RMD stress. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial" [YouTube Link](https://youtube.com/watch?v=kSMPnG1pcbg) 2026-01-13T15:01Z 207K followers, 12.8K engagements "Retirement advice for singles NEEDS to be different than advice for married couples" [YouTube Link](https://youtube.com/watch?v=kcPSfMoSf8o) 2025-12-17T19:02Z 207K followers, [----] engagements "You dont need a million dollars to retire you need a plan that fits your life. You dont need a million dollars to retire you need a plan that fits your life. . . Follow for more ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered" [YouTube Link](https://youtube.com/watch?v=khtcXr-2gmY) 2025-11-20T15:01Z 204K followers, [----] engagements "10 Ways Retirement Has Completely Changed in [--] Years Retirement planning retirement income strategy Social Security timing tax-smart withdrawals and longevity investing take center stage in this guide to the [--] biggest shifts redefining life after work. James shows you how to replace outdated rules with a practical human plan that aligns money with health connection and meaning. Forget the gold watch and glide path to the couch. Retirement has been rewritten. With [--] to [--] years to fund longer lifespans inflation risk and lower bond yields demand a smarter portfolio: reliable income for" [YouTube Link](https://youtube.com/watch?v=kwcFAy1Jwv0) 2025-10-14T17:01Z 202K followers, [----] engagements "Root is an expression of the work I love doing I dont think of Root as something to build and sell. I think of it as something to build and live in. Root is an expression of the work I love doing and the people here feel the same way. Thats why it doesnt feel like entrepreneurship to me. What matters most is watching Root become a place where our clients are genuinely cared for and where our team gets to do work they actually enjoy. Thats the point. Building something that serves people well both inside and outside Root. ======================= Learn the tips & strategies to get the most out" [YouTube Link](https://youtube.com/watch?v=l3nRSQF-BCI) 2026-01-17T15:30Z 207K followers, [----] engagements "The Most Powerful Tax-Free Retirement Tool: Start Leveraging Your HSA Now Health Savings Accounts (HSAs) dont get much attentionbut they should. With triple tax advantages (tax-free contributions growth and qualified withdrawals) HSAs offer a level of flexibility thats hard to beat. I break down how to use an HSA not just for healthcare today but as a long-term planning tool. That includes how to qualify contribute invest the funds and take strategic withdrawals. I also explain why its worth tracking medical expenseseven if you dont reimburse yourself right awayto create future options for" [YouTube Link](https://youtube.com/watch?v=l5mpi_CiSGw) 2025-04-29T17:01Z 206K followers, 104K engagements "What Retirement Is Actually Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=lQLyjlTPAoQ) 2025-10-28T15:01Z 203K followers, [----] engagements "Early Retiree Shares Truth About Retiring Early" [YouTube Link](https://youtube.com/watch?v=lWsuoeSsFZM) 2025-10-22T15:41Z 203K followers, [---] engagements "The Wake-Up Call That Made Him Retire [--] Years Early Retirement Reality A cancer diagnosis changed everything. When Michaels wife began chemo time took on a new meaning. The long-term financial plan suddenly felt secondary to the years they still had together. That wake-up call led Michael then [--] to retire a full decade earlier than planned trading more income for more life. In this conversation with James Michael shares the mindset shift that made him walk away from a thriving career and a team he loved leading. He opens up about the guilt of leaving the relief that followed and the" [YouTube Link](https://youtube.com/watch?v=lYUEwLpevIQ) 2025-11-19T20:00Z 204K followers, [----] engagements "How Much Can I Spend In Retirement with a $2 Million Portfolio A retirement story that challenges everything you thought you knew about whats possible in your golden years. Meet Michael and Lisa: a couple in their early sixties with $2 million saved who are worried about running out of money too soon. Their initial plan looked bleak but three simple adjustments reshaped their retirement outlook without working longer or cutting back on their lifestyle dreams. The shift came from questioning assumptions. Instead of projecting first-year expenses forever they recognized that travel-heavy" [YouTube Link](https://youtube.com/watch?v=l_bHhn4u2ls) 2025-09-09T17:00Z 206K followers, 22.4K engagements "The Secret Cost of Claiming Social Security Too Early (or Too Late) Stop chasing the biggest Social Security check. The goal isnt just maximizing income its maximizing freedom. James dives into how your claiming age shapes more than your monthly number. It drives your tax picture your investment strategy and the income your spouse may rely on for decades. A client example brings it to lifebalancing early flexibility mid-career income and the long-term stability that comes from smart timing. Youll see why delay for 8% misses the real trade-offs. Claiming at [--] gives flexibility but triggers" [YouTube Link](https://youtube.com/watch?v=lj_idfYhoiA) 2025-11-16T20:00Z 204K followers, [----] engagements "These Will be Your [--] Biggest Regrets at the End of Retirement Retirement is not just about financial security; it's about finding purpose and fulfillment. As we approach this significant phase it's crucial to consider the potential regrets that could hinder your retirement. In this article I explore five common pitfalls retirees often regret and how you can avoid them to ensure a more enriching retirement experience. Living Authentically: Bronnie Wares research revealed a prevailing regret among those nearing the end of their livesnot living true to themselves. Many individuals sacrifice" [YouTube Link](https://youtube.com/watch?v=mGyCZpmS5iE) 2024-04-06T17:00Z 202K followers, 21.2K engagements "How Soon Before Retirement Should You Adjust Your Investment Portfolio How soon before retiring you should begin to make portfolio adjustments This is one of the most common questions people have when they start to build their retirement portfolio. In retirement your portfolio should be structured to protect and insulate you from some of the negative impacts of market declines. The question is when do you start making the transition from your growth portfolio and your working years to your retirement portfolio and your retirement years and what should that transition look like In this video" [YouTube Link](https://youtube.com/watch?v=mLUmOEWszcY) 2022-10-29T19:00Z 202K followers, [----] engagements "Your Tax Planning Window Wont Last Forever Top [--] Strategies to Prioritize Retiring early isnt just about having enough money its about using the right tax moves in the right years. This conversation between James and Ari maps the three biggest levers for early retirees: Roth conversions ACA health insurance subsidies and 0% long-term capital gains. A real-world case study shows how account mix and spending levels can flip whats best and how small income shifts can change the math in a big way. The episode breaks down when Roth conversions pay off versus when they backfire how keeping modified" [YouTube Link](https://youtube.com/watch?v=mie5JgkNxok) 2025-10-25T17:00Z 203K followers, [----] engagements "Heres Exactly How Much You Should Convert to Your Roth IRA to fill up the 22% Tax Bracket" [YouTube Link](https://youtube.com/watch?v=n74A60b-Kkk) 2025-01-21T06:00Z 203K followers, [---] engagements "A Complete Guide To Required Minimum Distributions How do required minimum distributions work What is the required minimum distribution age Should you take RMD from traditional iras simple iras sep iras pre-tax 401k or roth 401k In todays video we are going to talk about Required Minimum Distributions. What they are How they work What can you do with them At the end of this video youll get to know which RMD Strategy is best for you and how to get the maximum out of your Tax Planning in retirement. Learn the tips & strategies to create your secure retirement. TIMESTAMPS 00:00 - Introduction" [YouTube Link](https://youtube.com/watch?v=nV-EDZVHcIc) 2021-12-04T20:00Z 206K followers, 123.4K engagements "This is What a Real $3.2M Retirement Portfolio Looks Like" [YouTube Link](https://youtube.com/watch?v=nvuxs3RA7iQ) 2024-01-24T18:00Z 203K followers, [----] engagements "This is What a Real $3.2M Retirement Portfolio Looks Like" [YouTube Link](https://youtube.com/watch?v=oHq9ldDObi0) 2024-01-24T06:00Z 205K followers, [----] engagements "Are you guilty of any of these mistakes Are you guilty of any of these mistakes . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an" [YouTube Link](https://youtube.com/watch?v=oImedzuy_6E) 2025-11-16T15:30Z 204K followers, [----] engagements "Retiree Reveals What Its Really Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=oOnBQgjjyoc) 2025-11-11T16:01Z 203K followers, [----] engagements "Heres Exactly How Social Security Gets Taxed Social Security is an important income source for retirees but understanding how it is taxed can be confusing. Key Takeaways: ➡ Social security is subject to the same federal taxes as other sources of income but only a portion of it is included in your taxable income based on your provisional income. ➡ If Social Security is your primary or sole source of income you may be in a lower tax bracket resulting in a smaller percentage of your benefit being taxable. ➡ Provisional income thresholds are not adjusted for inflation meaning that over time more" [YouTube Link](https://youtube.com/watch?v=opFZKiiThKk) 2023-06-17T17:00Z 205K followers, 116.2K engagements "Culture starts with clarity. Culture starts with clarity. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment" [YouTube Link](https://youtube.com/watch?v=p7FaWkMJX9s) 2025-12-30T15:01Z 207K followers, [----] engagements "Blind ranking retirement withdrawal strategies. Blind ranking retirement withdrawal strategies. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial" [YouTube Link](https://youtube.com/watch?v=pWEXUj_J1kQ) 2026-01-03T15:01Z 207K followers, 14.7K engagements "Early Retirees Shares How They Retired Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=pYp2IvwpMi4) 2025-10-21T15:10Z 202K followers, [----] engagements "If you want to care for your family dont leave them guessing. If you want to care for your family dont leave them guessing. . . Follow to get the most out of life with your money. ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered" [YouTube Link](https://youtube.com/watch?v=phVdXM8zfro) 2025-12-22T15:01Z 207K followers, [----] engagements "Why Singles Are Retiring [--] Years Too Late Most retirement advice quietly assumes you have a partner: two incomes two Social Security checks someone to split expenses with someone to catch the slack if something goes wrong. But for singles the margins are tighter and the freedom can be much greater. Planning alone means every decision carries more weight but it also means you have full control over the life you want to build. This video centers on Tina a 62-year-old single woman with roughly $2.2 million across investment accounts employer stock a 401(k) and a Roth IRA. Her situation" [YouTube Link](https://youtube.com/watch?v=pjqIT91Yr10) 2025-12-07T20:00Z 207K followers, 12.4K engagements "Early Retiree Shares Tips on How to Retire Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational" [YouTube Link](https://youtube.com/watch?v=plf7QOTYlZU) 2025-10-19T15:02Z 203K followers, [----] engagements "Here's the Most Unethical Thing Advisors Do Some of the most damaging financial advice doesnt look shady at all. It looks responsible. It looks optimized. And it looks great on a spreadsheet. This episode breaks down one of the most unethical practices James sees in financial planning not selling high-fee products but using projections and tax strategies to justify an advisors fee while ignoring the life those numbers are supposed to support. The problem starts when advisors lead with value creation instead of purpose. Tax savings Roth strategies and optimized projections can be manipulated" [YouTube Link](https://youtube.com/watch?v=pplCquYFbLs) 2025-12-21T20:00Z 207K followers, 11.7K engagements "The best advice often sounds clich until its true for you The best advice often sounds clich until its true for you. Focus on what you can control feels too simple almost boring. But real financial progress rarely comes from a clever Roth conversion it comes from doing the basics well consistently. Simplicity wins more often than complexity. #financialplanning #retirementplanning #retirementsavings #financialfreedom ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/" [YouTube Link](https://youtube.com/watch?v=pzUuGfu1X5Q) 2025-11-02T21:00Z 203K followers, [----] engagements "Retirement Regrets: [--] Retirement Purchases Youll Wish You Didnt Make" [YouTube Link](https://youtube.com/watch?v=qEW1WAIBZ0k) 2024-06-29T05:00Z 204K followers, [----] engagements "POV: Retiree Shares Truth About Leaving Work Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=qcgxpaP1QVg) 2025-11-01T15:01Z 203K followers, [----] engagements "How Much Do I Need to Spend $10k/month in Retirement Planning for retirement can be daunting filled with anxiety about having enough money. John and Jane a couple like many of you transformed their retirement fears into a secure future living on $10000 per month. Here's how they did it. Facing Retirement Anxiety: John and Jane feared running out of money in retirement influenced by their parents' struggles. Determined to avoid this they aimed to either enjoy retirement or live frugally but worried about overspending or missing out. Before planning their finances included: -John's 401(k):" [YouTube Link](https://youtube.com/watch?v=qjPy4SUnvos) 2024-06-15T17:00Z 206K followers, 72.8K engagements "Social Security Explained How to Maximize Your Social Security Benefit How can you maximize your Social Security benefit Social Security may be one of your primary sources of income in retirement and you'll learn the tips on how you can be sure to get the most out of your Social Security benefit in today's video. Timestamps: 00:00 - Introduction 1:15 - Full Retirement Age 3:00 - Cost of Living Adjustment 6:57 - Provisional Income 9:17 - State Income Tax 11:39 - Survivor/Spousal Benefits 13:11 - Example of Spousal Benefits 15:54 - TWO-Person Decision 17:32 - Foundation of Planning Learn the" [YouTube Link](https://youtube.com/watch?v=qq1ttBnnmbo) 2023-03-19T16:57Z 204K followers, 124.4K engagements "Your investment statement doesnt tell the whole story. Your investment statement doesnt tell the whole story. If your portfolio says youre earning 8% but inflation is 10% youre really losing 2% a year. The goal isnt just to grow money its to grow after inflation. Thats why running projections and stress testing your plan matters. #financialplanning #retirementplanning #investmentstrategy #riskmanagement #inflation #retirement #financialfreedom ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us" [YouTube Link](https://youtube.com/watch?v=r31hvJTp8aA) 2025-11-01T21:01Z 203K followers, [----] engagements "The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs" [YouTube Link](https://youtube.com/watch?v=rGznj96r8Mw) 2025-02-19T06:00Z 175K followers, [----] engagements "The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs" [YouTube Link](https://youtube.com/watch?v=s8kcBKFIf_8) 2025-02-21T06:00Z 176K followers, [----] engagements "5 Really Good Reasons to File for Social Security at Age [--] Conventional wisdom says to delay social security benefits for as long as possible however thats not the best strategy in all cases. In fact there are several compelling reasons why collecting Social Security at age [--] could be the right decision for certain individuals. Life Expectancy: Many financial analyses focus solely on the break-even point usually around age [--] or [--]. However if your health history or family background indicates a shorter life expectancy it's essential to weigh the benefits of early collection versus waiting." [YouTube Link](https://youtube.com/watch?v=s9YpIkZ5GAA) 2024-02-10T18:00Z 204K followers, 1.2M engagements "Inside a Retirees Life: The Reality Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=sPHhZKswp3Q) 2025-11-17T16:01Z 204K followers, [----] engagements "Retirement Income Strategy Explained How to Pay Yourself for Life Retirement income can feel complex but a steady retirement paycheck starts with a simple framework. James reframes withdrawal decisions shows when a 5% starting rate can fit versus a conservative 4% and explains sequence risk and flexible spending guardrails through a clear million dollar case study. Taxes do the heavy lifting. Retirement income is taxed differently than wages with no FICA on non wage income only up to [--] percent of Social Security taxable and long term capital gains often at [--] or [--] percent. Blending IRA" [YouTube Link](https://youtube.com/watch?v=sRuhb8WI_kA) 2025-10-28T18:01Z 206K followers, 41.1K engagements "This isnt about bashing advisors this is about protecting your future. This isnt about bashing advisors this is about protecting your future. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory" [YouTube Link](https://youtube.com/watch?v=sx0ZpTVltsA) 2025-12-06T15:01Z 207K followers, [----] engagements "Most people start retirement planning by asking How much do I need But thats the wrong question Most people start retirement planning by asking How much do I need But thats the wrong question. You dont retire on a number you retire on income. The goal isnt to hit a certain net worth its to know what level of income your portfolio can reliably produce. Start by knowing what you want to spend then back into how much savings can create that income through a sustainable withdrawal rate. #retirementplanning #financialfreedom #incomeforlife #retirementincome #financialindependence" [YouTube Link](https://youtube.com/watch?v=tBEPRNbpNJ8) 2025-11-12T16:30Z 203K followers, 15.7K engagements "The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs" [YouTube Link](https://youtube.com/watch?v=tJyV48C8u3k) 2025-02-14T18:00Z 175K followers, [----] engagements "Im Single and [--] Years Out From Retirement. What Should I be Doing (5 Specific Steps)" [YouTube Link](https://youtube.com/watch?v=ui10ojX2kWg) 2025-02-12T18:01Z 174K followers, [----] engagements "Im Single and [--] Years Out From Retirement. What Should I be Doing (5 Specific Steps)" [YouTube Link](https://youtube.com/watch?v=ukXk7c3nv0I) 2025-02-13T06:00Z 174K followers, [----] engagements "Youre not alone if youre worried about outliving your money Youre not alone if youre worried about outliving your money. Its the #1 fear in retirement and it can quietly sabotage how you enjoy it. Retirement isnt just about money its about peace of mind. #retirement #financialsecurity #moneymanagement #retirementplanning #financialfreedom #financialdiscipline ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel" [YouTube Link](https://youtube.com/watch?v=uumj4PXqa_I) 2025-10-28T22:53Z 203K followers, [----] engagements "Avoid This Portfolio Withdrawal Mistake Most People Make in Retirement Today Im talking about something that challenges the traditional way of thinking about portfolio withdrawals in retirement. If you've been basing your retirement income solely on the 4% Rule or similar strategies you might be missing out on crucial aspects of your financial plan. Picture this: you've diligently saved for retirement and you're ready to start enjoying the fruits of your labor. According to the [--] percent rule you can withdraw 4% of your portfolio annually and have a high likelihood of that money lasting for" [YouTube Link](https://youtube.com/watch?v=vPEuIYwPlLo) 2024-02-17T18:00Z 202K followers, 52.3K engagements "Welcome To Our Channel Our goal is to help you understand how you can best protect what's most important to you. Learn the tips & strategies to create your secure retirement. Free Retirement Checklist Here: https://rootfinancialpartners.lpages.co/resources-root-financial-partners/ SUBSCRIBE HERE: https://www.youtube.com/channel/UCBNdQfS-fzODmYb8Hkr4egAsub_confirmation=1 Join Community https://root-collective-58ba64.circle.so/joininvitation_token=7d3099b487a7dac1d9e97518d6661caff82a14cd-e9ef17fb-3ff3-48ef-ac1e-1d1939c91ae0 _ _ For more resources and content check us out below Website //" [YouTube Link](https://youtube.com/watch?v=v_zX0eJAOlQ) 2022-07-08T16:29Z 206K followers, [----] engagements "Make Sure You Use This Withdrawal Strategy As Soon As You Retire One of the most commonly asked questions I receive is what should my withdrawal strategy be in retirement In this video you'll learn how to withdraw funds in retirement most effectively. TIMESTAMPS 00:00 - Introduction 1:23 - How To Recreate Income 3:24 - The Guardrails Approach 5:39 - Guyton's Guardrails Rules 9:22 - Inflation 10:50 - Capital Preservation Rule 12:14 - Additional Considerations 14:43 - The Importance of Framework 16:07 - How Much Is Enough 16:28 - Working With Us Free Retirement Checklist Here:" [YouTube Link](https://youtube.com/watch?v=vkFJUMBSIFE) 2022-06-11T19:00Z 203K followers, 92.5K engagements "Im [--] with $1.7M How Much Can I Spend in Retirement" [YouTube Link](https://youtube.com/watch?v=vrBaUAryQw8) 2024-12-27T06:00Z 203K followers, [----] engagements "How many non-work friends do you have How many non-work friends do you have . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an" [YouTube Link](https://youtube.com/watch?v=wVIw8yC8Snk) 2026-01-11T15:01Z 207K followers, 10.7K engagements "Maximize Your Early Retirement: Should You Save to 401k or Brokerage Accounts Typical retirement strategies assume a retirement age of over [--]. With an earlier retirement goal a careful look is required to determine what strategies will create the best outcome. James responds to a listeners question about where to invest as he anticipates an early retirement. James walks through the steps of Roots Sequoia System to explore options for early retirement scenarios. Questions Answered: How does early retirement impact traditional retirement planning strategies such as the 4% rule When deciding" [YouTube Link](https://youtube.com/watch?v=wf4iI-wD1FY) 2024-02-13T18:00Z 204K followers, 163.2K engagements "What you do with your 401k at retirement matters more than most people realize. What you do with your 401k at retirement matters more than most people realize. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa" [YouTube Link](https://youtube.com/watch?v=wkbq7N5ym9g) 2025-11-30T15:01Z 205K followers, 15.8K engagements "See How Much Roth Conversions Saved Them [--] Watch the full video here https://youtu.be/x68gAHbHw8c" [YouTube Link](https://youtube.com/watch?v=wqVS02E5tq0) 2023-12-15T18:00Z 206K followers, [----] engagements "Most retirees don't realize they have MORE tax planning opportunities after retirement than before Most retirees don't realize they have MORE tax planning opportunities after retirement than before . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more" [YouTube Link](https://youtube.com/watch?v=xD3iNV9a2qw) 2025-11-26T15:01Z 204K followers, [----] engagements "Im Single and [--] Years Out From Retirement. What Should I be Doing (5 Specific Steps)" [YouTube Link](https://youtube.com/watch?v=xUye5r2Z0BM) 2025-02-14T06:00Z 174K followers, [---] engagements "Beyond financial wealth: what else matters in life Beyond financial wealth: what else matters in life Financial wealth is just one scorecard. The real question is: how many more summers do you have with your family How many more years can you postpone your health goals Retirement planning isnt just a spreadsheet its your life. #financialplanning #wealthmanagement #financialfreedom #worklifebalance ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root" [YouTube Link](https://youtube.com/watch?v=xZSjY_PrF78) 2025-10-26T20:00Z 203K followers, [----] engagements "Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=xaSUP5AB1F4) 2025-10-20T15:01Z 203K followers, [----] engagements "Ive Never Seen So Many Retirees Make This Same Mistake Most retirees who make this mistake arent reckless. Theyre careful. Responsible. Theyre trying to do the right thing. And thats what makes it so hard to watch. James explains why one specific portfolio mistake is showing up more than ever (across retirees who manage their own investments and those working with advisors) and why both paths often lead to the same painful outcome if the portfolio isnt built around real retirement needs. People are living longer. Many are retiring earlier. Market volatility isnt going away. At the same time" [YouTube Link](https://youtube.com/watch?v=y-pIDoj0h8w) 2026-01-11T20:00Z 207K followers, 65.4K engagements "POV: Retiree Shares Truth About Leaving Work Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes" [YouTube Link](https://youtube.com/watch?v=yZ2cr_JHoQo) 2025-11-09T04:00Z 203K followers, [----] engagements "How to Avoid the RMD Tax Trap: Prevent" [YouTube Link](https://youtube.com/watch?v=yjMkyHJFvU4) 2024-10-11T19:45Z 204K followers, [---] engagements "How Much Will I Pay in Taxes in Retirement Complete Guide to Retirement Taxes" [YouTube Link](https://youtube.com/watch?v=ypNuDhwFzHE) 2024-01-30T18:00Z 203K followers, [----] engagements "How to Avoid the RMD Tax Trap: Prevent" [YouTube Link](https://youtube.com/watch?v=yyWtBJc9klg) 2024-10-08T17:00Z 204K followers, [---] engagements "How Much Do You Need to Retire in [----] Watch the full video here https://www.youtube.com/watchv=Or-EtuQUHhY" [YouTube Link](https://youtube.com/watch?v=zVIYuHIVM9s) 2024-01-03T18:00Z 204K followers, [----] engagements "How to Maximize Social Security Spousal Benefits (Even if You Collect Your Benefit Early) A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses ex-spouses and survivors so you can make smart claiming decisions that protect both cash flow and long-term security. Listen to learn how the spousal benefit actually works: its based on 50% of the primary earners full retirement age benefit not when they file. We walk through clear examples showing who qualifies how" [YouTube Link](https://youtube.com/watch?v=zd7QI0Zpp-4) 2025-11-09T20:01Z 203K followers, [----] engagements "Paying 0% in taxes sounds too good to be true but its possible. Paying 0% in taxes sounds too good to be true but its possible. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are" [YouTube Link](https://youtube.com/watch?v=zszAvOTPQfE) 2025-11-24T15:02Z 204K followers, 10.4K engagements "Inside a Retirees Life: The Reality Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and" [YouTube Link](https://youtube.com/watch?v=ztfxRRvphEY) 2025-11-12T04:00Z 203K followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@rootfp James Conole, CFP®
James Conole, CFP® posts on YouTube about retirement, investment, money, financial education the most. They currently have [-------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
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- [--] Week [------] +0.94%
- [--] Month [-------] -33%
- [--] Months [---------] -17%
- [--] Year [---------] -4.10%
Mentions: [--] #
- [--] Month [--] -26%
- [--] Months [---] +101%
- [--] Year [---] -2.80%
Followers: [-------] #
- [--] Week [-------] no change
- [--] Month [-------] +0.49%
- [--] Months [-------] +5.60%
- [--] Year [-------] +19%
CreatorRank: [-------] #
Social Influence
Social category influence finance 92.86% social networks 2.14% technology brands 1.43% stocks 0.71%
Social topic influence retirement #588, investment #3118, money 37.14%, financial education #113, education #3915, dividend #178, longterm #267, fund #87, the most 13.57%, social security #124
Top accounts mentioned or mentioned by @erintalksmoney @rootreadyadvisor @carenmagill @advisortechbook @root_financial
Top Social Posts
Top posts by engagements in the last [--] hours
"4 Simple Ways to Increase Your Social Security Benefit in [----] Having a comfortable retirement is undoubtedly a shared goal and understanding the intricacies of Social Security can significantly contribute to achieving that dream. In this video I dive into four simple yet powerful strategies to help you maximize your Social Security benefits. Know the Calculation Basics: It's first essential to understand how Social Security benefits are calculated. Unlike regular taxes Social Security is funded through payroll taxes. The first $168600 of your earnings for [----] is subject to a 12.4% tax split"
YouTube Link 2024-01-06T18:00Z 207K followers, 91.2K engagements
"Should I Collect Social Security Early and Invest it When you go to collect Social security you want to make sure youre selecting the option to open the most amount of dollars in your pocket over the course of your retirement. Some people think its best to take social security at [--] while others believe its better to delay social security and collect a larger benefit. In todays video we are going to talk about what is the best age to file for social security retirement benefits and what are the pros and cons of taking social security early versus delaying it. Learn the tips & strategies to"
YouTube Link 2021-12-18T20:00Z 207K followers, 366.8K engagements
"The Hidden Flaw in Monte Carlo Analysis That's Ruining Retirement Plans Many retirees focus on achieving a high Monte Carlo probability of success in retirementbut is chasing a 99% success rate always the best move In this episode James highlights a real-life story of a man forced to delay retirement after a divorce dropped his probability of success from 99% to 70%. James explores why this single number shouldn't drive such massive decisions. He explains how contextlike income sources spending flexibility and home equitymatters more than a static success rate. Youll learn why 100% isnt"
YouTube Link 2025-04-01T16:00Z 207K followers, 34.2K engagements
"We have a $3M Retirement Portfolio. How Much Can We Spend Without Running Out of Money Jeffrey and Cindy came to me with $3 million saved and one big question: How much can we actually spend in retirement In this video we walk through a retirement planning scenariolooking at spending goals taxes travel healthcare and how Social Security might factor in. While the numbers vary the framework we use applies whether you're working with $300000 or $30 million. We explore how to think about sustainable withdrawal rates portfolio flexibility and trade-offs between spending today and planning for"
YouTube Link 2025-05-10T17:00Z 207K followers, 192.5K engagements
"You Need to Retire Early - Here's Why Theres really only one way to reach the level of success most people say they want and its not about working until [--]. Its about having a plan to retire early. Not as a finish line but as a mindset. Early retirement means your money is working for you giving you the ability to choose how you spend your time instead of waiting for an arbitrary age when youre supposed to stop working. In this video James walks through a real case study to show how this mindset changes everything from cash flow and withdrawal rates to how much of life you actually get to"
YouTube Link 2026-01-25T20:00Z 207K followers, 17.9K engagements
"How to pay 0% Long-Term Capital Gains Tax #retirement #taxes"
YouTube Link 2023-10-03T00:07Z 207K followers, 28.8K engagements
"What are you really buying with one more year What are you really buying with one more year . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners"
YouTube Link 2026-02-04T15:00Z 207K followers, [----] engagements
"4 Simple Retirement Income Strategies Retirement planning is essential for financial security in your golden years and understanding different strategies is key. Here are four approaches to retirement income planning: Strategy 1: Maximize Guaranteed Income Sources Focus on maximizing sources like Social Security benefits to cover all retirement needs. Pros: stable income covers essentials reduced reliance on investments. Cons: less flexibility uncertain future of Social Security limited growth potential. Strategy 2: Live Off Portfolio Dividends Rely on dividends from your investment portfolio"
YouTube Link 2023-07-22T17:00Z 207K followers, 94.5K engagements
"Roth Conversions: When Will You Actually Break Even Roth conversions can save you millions in taxes over the course of your retirementbut when do you actually see the benefit Many retirees assume the break-even point is decades away making them question whether conversions are worth it. In this video we walk through Luke and Marys retirement plan to see exactly where the break-even point happens. More importantly well show you why looking at tax-adjusted asset valuenot just dollar amountsis the right way to measure success. By filling up the 22% tax bracket until age [--] Luke and Mary could"
YouTube Link 2025-03-08T18:00Z 207K followers, 27.8K engagements
"How Much Can I Spend if I Retire at [--] with $2M Thinking about how much you can safely spend in retirement In this video I walk you through a real-life case study that shows why relying on the 4% rule might not give you the full pictureespecially when you consider Social Security timing taxes and changing spending needs over time. Using Donnas retirement plan as an example I show how a more thoughtful strategy can create smoother cash flow more flexibility early on and greater confidence in your long-term plan. Instead of starting with a withdrawal rate we begin with your desired after-tax"
YouTube Link 2025-04-19T17:00Z 207K followers, 35.3K engagements
"At What Point Should I Take the Tax Hit on Unrealized Gains Benjamin nearing retirement at [--] faces a familiar dilemma with his taxable account housing expensive mutual funds. Despite their underperformance converting to low-cost index funds entails a significant tax hit due to long-held appreciable value. James explains weighing the immediate tax consequences against the risk of holding onto underperforming assets. He also provides a framework for assessing risk identifying options and making decisions based on personal financial goals. Questions Answered: How can you decide whether to sell"
YouTube Link 2024-02-20T18:00Z 207K followers, 36.8K engagements
"Should your mortgage be paid off before retirement Should your mortgage be paid off before retirement . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial"
YouTube Link 2026-02-10T15:00Z 207K followers, [----] engagements
"4 Simple Ways to Increase Your Social Security Benefit Do you want to get the most out of your Social Security benefit In today's video you'll learn how Social Security is funded and how you can maximize it. Timestamps: 00:00 - Introduction 1:00 - How Social Security Works 2:03 - Indexing For Inflation 3:00 - Earnings Are Means Tested 4:20 - Understanding Your Social Security Benefits 5:20 - Primary Insurance Amount 6:25 - Importance of [--] Years 7:43 - Delayed Retirement Credits 8:34 - Spousal Benefit 10:16 - Understanding Survivor Benefits 11:07 - Tax Planning & More Learn the tips &"
YouTube Link 2023-02-04T19:00Z 207K followers, 1.1M engagements
"Why $5 Million is the Tax "Danger Zone" Once your portfolio crosses $5 million the game changes. Growing your money is no longer the hard part. protecting it is. Tax mistakes that used to feel like small inefficiencies can quietly turn into six-figure problems that compound throughout retirement. This episode breaks down the tax strategies that actually matter once youre in high-net-worth territory. With multiple account types portfolio income pushing you into higher brackets and large pre-tax balances creating future RMD and Medicare risks the way you withdraw money becomes far more"
YouTube Link 2026-02-08T20:00Z 207K followers, 25.7K engagements
"See How Roth Conversions Saved Them $595k in Taxes In Retirement Luke and Shannon's story is a testament to the power of proactive planning in retirement. It's not just about having enough money saved up but also about optimizing your finances to minimize tax liabilities. Today Im walking you through their journey and explaining how a few strategic changes made a significant impact on their retirement savings. When Luke and Shannon approached us they were already in a comfortable position financially. They had saved diligently and felt confident that they had enough to sustain their lifestyle"
YouTube Link 2024-03-02T18:00Z 207K followers, 78K engagements
"When Should You Work with a Financial Advisor When does it make sense to work with a financial advisor It may surprise you but we don't believe every single person needs a financial advisor. We do believe it can be helpful depending on your situation and James discusses the primary factors to consider when it comes to thinking about hiring a financial advisor. Learn the tips & strategies to get the most out of life with your money. 00:00 - Introduction 2:50 - Asset Allocation 4:00 - Diversification 5:25 - Tax Planning 7:38 - Maximum Income 9:03 - Guardrails 10:45 - Happiness In Retirement"
YouTube Link 2023-02-18T18:00Z 207K followers, 20.5K engagements
"Portfolio Rebalancing Strategies: When To Rebalance Your Portfolio When it comes to portfolio rebalancing people often get confused about how to rebalance your portfolio and what portfolio rebalancing approach is right for them. What is portfolio rebalancing and how/ when should you rebalance your portfolio These are some of the questions people often struggle to find answers to. In today's video James Conole will go through when to rebalance your portfolio and which are the best portfolio rebalancing strategies. Learn the tips & strategies to get more life out of your money. TIMESTAMPS 00:00"
YouTube Link 2022-10-04T19:00Z 207K followers, 11.3K engagements
"What Should You Do With Your 401k When You Retire Your 401(k) is likely your largest retirement assetso the decisions made about it can have a lasting impact. This episode explores the pros and cons of keeping a 401(k) versus rolling it over to an IRA. Learn when it makes sense to stay in a 401(k) especially for those retiring between ages [--] and [--] when a special IRS rule allows penalty-free withdrawals not available in IRAs. Keeping pre-tax funds in a 401(k) may also support more efficient backdoor Roth strategies. Six key factors influence the decision: cost control investment options"
YouTube Link 2025-07-12T17:00Z 207K followers, 73K engagements
"Should I Fund my Retirement Needs by Purchasing an Annuity Jason and his wife face a crucial decision: whether to purchase an annuity or pursue traditional investments as they prepare for a full-time slow-travel retirement. With a diverse array of income sources including pensions 401k property sales and Social Security they estimate their monthly expenses at $7500. James analyzes their situation emphasizing the balance between annuity stability and investment flexibility. He highlights the security of annuities and explains their limitations guiding the couple towards a tailored approach"
YouTube Link 2024-03-05T18:00Z 207K followers, 105.6K engagements
"Here's What Happens When You Draw Down Your 401k To Increase Social Security (Surprising) Delaying Social Security often sounds like a smart strategic moveespecially with that 8% annual increase. But its not an 8% return on your money and viewing it that way can oversimplify a more nuanced decision. What often gets overlooked is the effect of drawing down your investment portfolio while you wait. In this case study well look at how portfolio returns break-even points and opportunity cost all factor into the timing of benefits. Its not just about Social Security in isolationits about how the"
YouTube Link 2025-04-26T17:00Z 207K followers, 491.1K engagements
"Heres How to Pay $0 Taxes on $100k Retirement Income Cheat Sheet: https://rootfinancialpartners.com/important-numbers As a financial advisor I've often heard the phrase "If it sounds too good to be true it probably is." However in the case of creating tax-free income in retirement this adage doesn't necessarily hold up. In todays video I share a real-life case study of our clients John and Jane who we helped generate $100000 of tax-free income in retirement. A Common Misconception: Many think that funneling all their savings into Roth IRAs during their working years is the key to tax-free"
YouTube Link 2024-03-16T18:00Z 207K followers, 618.4K engagements
"7 Ways to Reduce your Required Minimum Distributions (RMDs) The IRS mandates distributions from retirement accounts as individuals reach a certain age which can result in higher tax payments. 💡However there are strategies to minimize the impact of these required minimum distributions (RMDs) and save on taxes. Here are seven strategies to reduce your RMDs and optimize your tax situation: 👉 Roth Conversions 👉 Delay Social Security Benefits 👉 Qualified Charitable Distributions (QCD) 👉 Continue Working 👉 Utilize Joint Life Expectancy Tables 👉 Optimize Asset Location 👉 Plan for Tax"
YouTube Link 2023-07-15T17:00Z 207K followers, 249.8K engagements
"What Should You Do with Your 401k When You Retire If youre close to retirement one crucial aspect to consider is what to do with your hard-earned 401k savings. This decision requires careful thought and planning as it can significantly impact your financial well-being in the long run. James covers the key considerations to get the most out of your 401k plan: âž¡ Analyzing Costs âž¡ Assessing Control + Ease of Use âž¡ Examining Investment Options âž¡ Consolidations for Simplicity âž¡ Coordinating Withdrawal Strategies In addition to those factors there are several other important considerations:"
YouTube Link 2023-08-05T17:00Z 207K followers, 575.1K engagements
"Can Capital Gains Push Me Into a Higher Tax Bracket Most of us generally understand how taxes and capital gains taxes work. Also we understand that ordinary income is taxed on one schedule and capital gains are taxed on another schedule. The question is will capital gains increase the taxes I pay on my ordinary income We also want to know what is the difference between short-term capital gains and long-term capital gains. In today's video James Conole is going to help you understand how capital gains impact the taxes you pay on the rest of your income and whetherwill it push you into a higher"
YouTube Link 2022-10-15T19:00Z 207K followers, 127.5K engagements
"Social Security at [--] vs [--] vs 70: When should you start claiming your benefits When should you start claiming Social Security62 [--] or [--] Its one of the most important decisions in your retirement plan and the right answer depends on your situation. In this video we walk through the real trade-offs between claiming early waiting until full retirement age or delaying until [--]. Well cover how: Early filing reduces your benefit by up to 6.6% per year Delaying increases your benefit by 8% annually Your decision affects your investment portfolio taxes and survivor/spousal benefits Longevity plays"
YouTube Link 2025-05-17T17:00Z 207K followers, 865.5K engagements
"2 Big Roth conversion mistakes most people make"
YouTube Link 2023-08-08T16:53Z 207K followers, 63.8K engagements
"This Is What a $10M Retirement Actually Looks Like Learn the tips & strategies to get the most out of life with your money. ======================= Most people assume a $10 million retirement means unlimited spending zero stress and never having to think about money again. The reality is far more nuanced. Watch as James breaks down what an eight-figure retirement actually looks like using a detailed case study of a couple entering retirement with roughly $10 million in assets. The focus isnt on luxury or excess but on how income taxes investments and lifestyle decisions intersect once work"
YouTube Link 2026-01-04T20:00Z 207K followers, 50.6K engagements
"Why You Shouldnt ONLY Buy The S&P [---] 🚨"
YouTube Link 2022-09-19T22:25Z 207K followers, 242.3K engagements
"Retiring With a Pension Heres How It Changes Everything About Your Retirement Math Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worthhow close they are to a million two million or more. But if you have a pension that old framework can send you down the wrong path. In this episode James explains why retirees with pensions need to think in terms of cash flow not balances on a statement. James begins with a simple shift: a pension that pays $60000 a year acts like the income from a $1.5 million portfolio under a"
YouTube Link 2025-11-23T20:00Z 207K followers, 64K engagements
"The [--] accounts you need working together to retire rich in [--] seconds. The [--] accounts you need working together to retire rich in [--] seconds. Follow for strategies that keep more money in your pocket ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory"
YouTube Link 2026-02-08T15:00Z 207K followers, 10.8K engagements
"Does it Ever Make Sense to Purchase an Annuity Have you ever wondered if purchasing an annuity makes sense for you There are two conflicting opinions from financial advisors: some advocate for annuities while others advise against them. James explores the concept of being a fiduciary and the challenges of understanding the financial advisory industry. He covers when annuities may be a suitable option such as providing guarantees protecting against longevity guaranteeing core expenses and the benefits of Qualified Longevity Annuity Contracts (QLACs) in reducing required minimum distributions."
YouTube Link 2023-10-31T18:00Z 207K followers, 97.4K engagements
"Lump Sum vs Annuity: Which Pension Option Is Better In this video you'll learn the difference between taking your pension as an annuity vs. electing it as a lump-sum so you can determine what may make most sense for your individual situation. Learn the tips & strategies to create your secure retirement. TIMESTAMPS 00:00 - Introduction 1:35 - Maximizing Lifetime Payout 2:21 - Comparing Withdrawal Rates 4:12 - Example 7:57 - Lump Sum Withdrawal Rates 10:01 - Risk Tolerance 12:47 - Avoiding Annuity Option (is that smart) 15:26 - Social Security Impact 16:33 - Legacy Goals 17:00 - How Your"
YouTube Link 2022-05-14T19:00Z 207K followers, 72.3K engagements
"Which accounts do you have Which accounts do you have . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment"
YouTube Link 2026-01-27T15:30Z 207K followers, 15.6K engagements
"Am I Crazy For Paying My Financial Advisor $25k/year When youre doing well financially paying advisor fees might seem unnecessary. So do you need an advisor if youre already in a good place Having a successful retirement isnt just about not running out of money; its about what more you can do. Through a real-life client story I explain how having an advisors perspective to implement the right strategy can be more valuable than the cost of their fee. Advisors can help you avoid biases in the way you invest and plan. They can ensure you have the right withdrawal strategy and dont overpay on"
YouTube Link 2023-12-19T18:00Z 207K followers, 205.7K engagements
"What to Do in Retirement: [--] Activities That Will Create a Fun and Fulfilling Retirement Do you know what youll do when you retire This can be the most challenging part of the decision to retire. When you retire theres a lot of free time for you to consider what you want to do with it. One of the most important things when it comes to retirement planning is to understand that you are retiring into something not out of something. In todays video James Conole will share with you some of the best activities and things to do in retirement that might help you have a fulfilling retirement."
YouTube Link 2020-07-07T08:00Z 207K followers, 133.1K engagements
"5 Reasons to Retire as Soon as You Can In today's video you'll learn [--] reasons you'll want to retire as soon as you can. Comment below: which surprised you the most Timestamps: 00:00 - Introduction 1:40 - Non-renewable currency 2:54 - Time 4:13 - HEALTH Impact 5:39 - Friends & Family 7:14 - Best Years Are NOT Forever 8:51 - When You're Financially Ready 9:52 - Optimizing Life Learn the tips & strategies to get the most out of life with your money. Get started today https://www.rootfinancialpartners.com/ Subscribe to be notified for future videos:"
YouTube Link 2023-03-25T17:00Z 207K followers, 672K engagements
"How Much Will I Pay in Taxes in Retirement Complete Guide to Retirement Taxes Important Numbers for [----] FREE PDF 👉 https://rootfinancialpartners.com/important-numbers As we transition from our working years to retirement the landscape of taxes undergoes a significant transformation. I explore various types of income commonly received during retirement and the tax implications associated with each. Transitioning from Payroll Taxes When you retire one of the initial benefits is the relief from payroll taxes also known as FICA taxes. These taxes which fund Social Security and Medicare are"
YouTube Link 2024-01-27T18:00Z 207K followers, 298.3K engagements
"Retiring After [--] The Rules Change (Hint: You Can Spend More) Retiring after age [--] changes the math and the priorities. You have fewer high-energy years shorter tax planning windows and RMDs much closer than most people realize. But you also often have higher Social Security clearer spending needs and more flexibility if the plan is built the right way. This episode breaks down how retirement strategy shifts when you retire later. Traditional withdrawal rules are built for [----] year retirements. If your timeline is closer to [----] years blindly following those rules can lead to significant"
YouTube Link 2025-12-28T20:00Z 207K followers, 18.9K engagements
"Here's When it's Time to STOP Saving for Retirement You shouldn't always save for retirement.as you would be missing the whole point of all of those years of saving In today's video you'll learn how to understand opportunity cost and compound growth and how that impacts when you should consider stopping to save any more dollars for retirement. Timestamps: 00:00 - Introduction 2:43 - Portfolio Growth 4:57 - Optimizing Time 7:13 - Opportunity Cost 10:08 - [--] Reasons To Stop Saving 11:55 - Avoid Regret 13:10 - Work With Us Learn the tips & strategies to get the most out of life with your money."
YouTube Link 2022-12-03T18:00Z 207K followers, 179K engagements
"Blind ranking the best places to retire Blind ranking the best places to retire . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an"
YouTube Link 2026-02-12T15:30Z 207K followers, [----] engagements
"Retirement Benchmarks by Age: [--] [--] [--] (And What If Youre Behind) Those 3x by [--] 6x by [--] 10x by [--] charts feel officialuntil your life doesnt match the average. In this episode James shows why age-based savings benchmarks miss the mark and replaces them with a simple four-step method that fits you. First get clear on spending in retirement (inflation-adjusted lifestyle-aware). Then credit guaranteed income like Social Security pensions annuities part-time work help to size the real gap. Applying a conservative withdrawal rate to turn that gap into a target portfolio and back-solve to today"
YouTube Link 2025-11-04T17:00Z 204K followers, [----] engagements
"How to Avoid the RMD Tax Trap: Prevent"
YouTube Link 2024-10-11T05:00Z 204K followers, [----] engagements
"How Much Can I Expect To Spend In Retirement with a $2 Million Portfolio Watch the full video here https://www.youtube.com/watchv=8xkZgsMI9Co"
YouTube Link 2024-01-18T06:00Z 202K followers, [----] engagements
"The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs"
YouTube Link 2025-02-20T18:00Z 175K followers, [----] engagements
"Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-10-24T15:01Z 204K followers, [----] engagements
"5 Steps to Know if Youre on Track to Retire In this video you'll learn the [--] steps to know if you're on track to retire. Learn the tips & strategies to create your secure retirement. TIMESTAMPS 00:00 - Introduction 1:30 - Retirement Expenses 4:30 - Inflation Considerations 6:33 - Non-Portfolio Income Sources 9:24 - How Much Of A Portfolio Do You Need 11:47 - What Are You On Track For 13:52 - Overview Of [--] Steps 14:32 - Working With US Free Retirement Checklist Here: https://rootfinancialpartners.lpages.co/resources-root-financial-partners/ SUBSCRIBE HERE:"
YouTube Link 2022-04-30T19:00Z 203K followers, 21.4K engagements
"The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs"
YouTube Link 2025-02-18T06:00Z 175K followers, [----] engagements
"Theres an opportunity cost to spending down your investments to delay social security"
YouTube Link 2025-12-17T21:34Z 207K followers, [----] engagements
"Some people never spend their wealth Some people never spend their wealth. They just watch it grow until its too late to enjoy it. The goal isnt to die with the biggest bank account. Its to spend with intention while you still can. #retirementplanning #financialplanning #wealthmanagement #retirementgoals #moneymanagement #retirementstrategy ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel"
YouTube Link 2025-10-30T19:00Z 203K followers, [----] engagements
"Roth Conversion Strategies for Singles: How Much Should You Convert"
YouTube Link 2024-11-21T06:00Z 203K followers, [---] engagements
"Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-10-18T03:00Z 205K followers, 102.1K engagements
"Working While Receiving Social Security Here's What You Need to Know Reaching the age of [--] marks a significant milestone for many individuals. After years of working hard and contributing to the Social Security system it's only natural to start thinking about collecting your benefits and getting back what you've invested. But what happens if you continue working while collecting Social Security benefits This topic can be confusing and misinformation abounds. In this video we'll clear up the confusion and provide you with everything you need to know about working and collecting Social"
YouTube Link 2023-10-14T17:00Z 206K followers, 160.2K engagements
"18 Months Into Retirement This is What Surprised Me Most Retirement Reality Christian thought he was ready for retirement. He just didnt realize how heavy the weight had been until he finally set it down. After more than [--] years in a high-stress always-on role at a global chemical company Christian retired and discovered something he didnt expect: the stress didnt disappear all at once. It slowly melted away like taking off a 30-pound jacket he didnt even realize hed been wearing. In this episode of Retirement Reality Christian shares what the first [--] months of retirement have really felt"
YouTube Link 2025-12-25T00:00Z 207K followers, [----] engagements
"Inside a Retirees Life: The Reality Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-10-31T03:00Z 203K followers, [----] engagements
"Retiring at 54: Why Darren Says It Feels Surreal Retirement Reality In this episode of Retirement Reality Darren shares what its really like to walk away from work at [--] and why it still feels surreal. After decades of saving hitting his number and paying off the house a company reorg gave him the push he needed to finally make the leap. He talks about how it feels to go from structure to freedom overnight what surprised him about early retirement and why he refuses to see it as a forever decision. For Darren this season isnt about stopping life its about living it on his own terms. The"
YouTube Link 2025-11-12T20:00Z 204K followers, 13K engagements
"Retiring Before You Start Social Security Make This Crucial Portfolio Adjustment If you're retiring before Social Security starts there's a critical portfolio adjustment you need to make to protect your retirement. In this video we break down why this change is so important and walk you through the step-by-step process to prioritize making your savings last. Well use Beckys case studyshes retiring at [--] with a $1M portfolio but wont claim Social Security until [--]. That five-year gap is where many people make costly mistakes. I'll show you how to structure your portfolio to maintain financial"
YouTube Link 2025-03-01T18:00Z 204K followers, 194.3K engagements
"Exactly How Much Should You Save for Retirement"
YouTube Link 2025-02-08T06:00Z 202K followers, [----] engagements
"The Earliest (& Safest) Time to Stop Saving for Retirement Watch the full video here: https://youtu.be/DONUgjoFRgk"
YouTube Link 2023-12-06T06:00Z 204K followers, [----] engagements
"Can You Retire Without $1 Million The Truth Might Surprise You Forget the million-dollar retirement myth. The key to retiring comfortably isnt about hitting a magic savings number its about creating reliable sustainable income. Instead of focusing solely on net worth focus on three core factors: your monthly expenses guaranteed income (like Social Security pensions or rental income) and the gap your investments need to cover. Thats your real retirement number. Take a real-life example: a Southern California couple retired comfortably with just $300000 in investments. Why Because their"
YouTube Link 2025-08-02T17:01Z 205K followers, 37.2K engagements
"Retiree Reveals What Its Really Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-11-18T16:01Z 204K followers, [----] engagements
"What Retirement Is Actually Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-10-30T03:00Z 203K followers, [----] engagements
"Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-10-25T15:01Z 203K followers, [----] engagements
"Early Retiree Shares the Key to Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-10-23T03:00Z 203K followers, [----] engagements
"The backdoor Roth strategy explained The backdoor Roth strategy explained . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC"
YouTube Link 2025-12-10T15:01Z 207K followers, [----] engagements
"The best approach is usually the simplest one. The best approach is usually the simplest one. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners"
YouTube Link 2025-12-26T15:01Z 207K followers, 11.6K engagements
"You Can Retire But You Might Not Like the Life You Built You can retire with enough money and still feel unhappy unfulfilled or lost. This is one of the most overlooked retirement planning mistakes and it has nothing to do with running out of money. James explains why many retirees who are financially prepared struggle in retirement even with no debt strong Social Security benefits pensions and seven-figure portfolios. Traditional retirement planning focuses on numbers probabilities and portfolio success but rarely addresses what life actually looks like after work ends. Using a real"
YouTube Link 2026-01-18T20:00Z 207K followers, 10.4K engagements
"Mistakes Your Financial Advisor is Making with Your Portfolio"
YouTube Link 2024-07-16T05:00Z 203K followers, [----] engagements
"Retiree Reveals What Its Really Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-11-08T16:01Z 203K followers, [----] engagements
"The Hardest Year of Retirement: What No One Warned Me About Retirement Reality Retirement doesnt always arrive on your schedule. Sometimes it shows up early uninvited and forces you to rethink everything you thought you knew. For Jim that moment came at [--] four years before the retirement date hed carefully planned for. One unexpected layoff and suddenly the identity hed built over decades in big tech was shaking underneath him. In this episode of Retirement Reality James shares the stress the fear and the sense of disorientation that came with having the rug pulled out from under him and the"
YouTube Link 2025-12-18T00:00Z 207K followers, [----] engagements
"Financial planning isnt an engineering problem. Financial planning isnt an engineering problem. You can get the inputs right your savings spending and timing and still face different outcomes. Markets and returns dont follow formulas. A good plan adapts when the math doesnt. #financialplanning #retirementplanning #investmentreturns #retirementstrategy ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel"
YouTube Link 2025-11-06T21:01Z 203K followers, [----] engagements
"Im Single with $1.5 Million. How Much Can I Spend in Retirement"
YouTube Link 2024-04-02T05:00Z 205K followers, [----] engagements
"The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs"
YouTube Link 2025-02-19T18:00Z 175K followers, [---] engagements
"This is What a Real $3.2M Retirement Portfolio Looks Like"
YouTube Link 2024-01-23T18:00Z 175K followers, [----] engagements
"This is What a Real $3.2M Retirement Portfolio Looks Like Have you ever found yourself at a crossroads wondering how to determine the perfect mix for your retirement portfolio The questions can be overwhelming. What stocks should I own What bonds should be in my portfolio Where should I allocate them In this video I walk through a real-life example to shed light on the steps taken to guide one couple through this intricate process. Meet Todd and Katie Todd [--] and Katie [--] approached us with a $3.2 million portfolio seeking guidance on allocation. Despite diligent saving and investing they"
YouTube Link 2024-01-20T18:00Z 206K followers, 282.6K engagements
"Three simple levers can reduce future RMD stress. Three simple levers can reduce future RMD stress. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial"
YouTube Link 2026-01-13T15:01Z 207K followers, 12.8K engagements
"Retirement advice for singles NEEDS to be different than advice for married couples"
YouTube Link 2025-12-17T19:02Z 207K followers, [----] engagements
"You dont need a million dollars to retire you need a plan that fits your life. You dont need a million dollars to retire you need a plan that fits your life. . . Follow for more ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered"
YouTube Link 2025-11-20T15:01Z 204K followers, [----] engagements
"10 Ways Retirement Has Completely Changed in [--] Years Retirement planning retirement income strategy Social Security timing tax-smart withdrawals and longevity investing take center stage in this guide to the [--] biggest shifts redefining life after work. James shows you how to replace outdated rules with a practical human plan that aligns money with health connection and meaning. Forget the gold watch and glide path to the couch. Retirement has been rewritten. With [--] to [--] years to fund longer lifespans inflation risk and lower bond yields demand a smarter portfolio: reliable income for"
YouTube Link 2025-10-14T17:01Z 202K followers, [----] engagements
"Root is an expression of the work I love doing I dont think of Root as something to build and sell. I think of it as something to build and live in. Root is an expression of the work I love doing and the people here feel the same way. Thats why it doesnt feel like entrepreneurship to me. What matters most is watching Root become a place where our clients are genuinely cared for and where our team gets to do work they actually enjoy. Thats the point. Building something that serves people well both inside and outside Root. ======================= Learn the tips & strategies to get the most out"
YouTube Link 2026-01-17T15:30Z 207K followers, [----] engagements
"The Most Powerful Tax-Free Retirement Tool: Start Leveraging Your HSA Now Health Savings Accounts (HSAs) dont get much attentionbut they should. With triple tax advantages (tax-free contributions growth and qualified withdrawals) HSAs offer a level of flexibility thats hard to beat. I break down how to use an HSA not just for healthcare today but as a long-term planning tool. That includes how to qualify contribute invest the funds and take strategic withdrawals. I also explain why its worth tracking medical expenseseven if you dont reimburse yourself right awayto create future options for"
YouTube Link 2025-04-29T17:01Z 206K followers, 104K engagements
"What Retirement Is Actually Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-10-28T15:01Z 203K followers, [----] engagements
"Early Retiree Shares Truth About Retiring Early"
YouTube Link 2025-10-22T15:41Z 203K followers, [---] engagements
"The Wake-Up Call That Made Him Retire [--] Years Early Retirement Reality A cancer diagnosis changed everything. When Michaels wife began chemo time took on a new meaning. The long-term financial plan suddenly felt secondary to the years they still had together. That wake-up call led Michael then [--] to retire a full decade earlier than planned trading more income for more life. In this conversation with James Michael shares the mindset shift that made him walk away from a thriving career and a team he loved leading. He opens up about the guilt of leaving the relief that followed and the"
YouTube Link 2025-11-19T20:00Z 204K followers, [----] engagements
"How Much Can I Spend In Retirement with a $2 Million Portfolio A retirement story that challenges everything you thought you knew about whats possible in your golden years. Meet Michael and Lisa: a couple in their early sixties with $2 million saved who are worried about running out of money too soon. Their initial plan looked bleak but three simple adjustments reshaped their retirement outlook without working longer or cutting back on their lifestyle dreams. The shift came from questioning assumptions. Instead of projecting first-year expenses forever they recognized that travel-heavy"
YouTube Link 2025-09-09T17:00Z 206K followers, 22.4K engagements
"The Secret Cost of Claiming Social Security Too Early (or Too Late) Stop chasing the biggest Social Security check. The goal isnt just maximizing income its maximizing freedom. James dives into how your claiming age shapes more than your monthly number. It drives your tax picture your investment strategy and the income your spouse may rely on for decades. A client example brings it to lifebalancing early flexibility mid-career income and the long-term stability that comes from smart timing. Youll see why delay for 8% misses the real trade-offs. Claiming at [--] gives flexibility but triggers"
YouTube Link 2025-11-16T20:00Z 204K followers, [----] engagements
"These Will be Your [--] Biggest Regrets at the End of Retirement Retirement is not just about financial security; it's about finding purpose and fulfillment. As we approach this significant phase it's crucial to consider the potential regrets that could hinder your retirement. In this article I explore five common pitfalls retirees often regret and how you can avoid them to ensure a more enriching retirement experience. Living Authentically: Bronnie Wares research revealed a prevailing regret among those nearing the end of their livesnot living true to themselves. Many individuals sacrifice"
YouTube Link 2024-04-06T17:00Z 202K followers, 21.2K engagements
"How Soon Before Retirement Should You Adjust Your Investment Portfolio How soon before retiring you should begin to make portfolio adjustments This is one of the most common questions people have when they start to build their retirement portfolio. In retirement your portfolio should be structured to protect and insulate you from some of the negative impacts of market declines. The question is when do you start making the transition from your growth portfolio and your working years to your retirement portfolio and your retirement years and what should that transition look like In this video"
YouTube Link 2022-10-29T19:00Z 202K followers, [----] engagements
"Your Tax Planning Window Wont Last Forever Top [--] Strategies to Prioritize Retiring early isnt just about having enough money its about using the right tax moves in the right years. This conversation between James and Ari maps the three biggest levers for early retirees: Roth conversions ACA health insurance subsidies and 0% long-term capital gains. A real-world case study shows how account mix and spending levels can flip whats best and how small income shifts can change the math in a big way. The episode breaks down when Roth conversions pay off versus when they backfire how keeping modified"
YouTube Link 2025-10-25T17:00Z 203K followers, [----] engagements
"Heres Exactly How Much You Should Convert to Your Roth IRA to fill up the 22% Tax Bracket"
YouTube Link 2025-01-21T06:00Z 203K followers, [---] engagements
"A Complete Guide To Required Minimum Distributions How do required minimum distributions work What is the required minimum distribution age Should you take RMD from traditional iras simple iras sep iras pre-tax 401k or roth 401k In todays video we are going to talk about Required Minimum Distributions. What they are How they work What can you do with them At the end of this video youll get to know which RMD Strategy is best for you and how to get the maximum out of your Tax Planning in retirement. Learn the tips & strategies to create your secure retirement. TIMESTAMPS 00:00 - Introduction"
YouTube Link 2021-12-04T20:00Z 206K followers, 123.4K engagements
"This is What a Real $3.2M Retirement Portfolio Looks Like"
YouTube Link 2024-01-24T18:00Z 203K followers, [----] engagements
"This is What a Real $3.2M Retirement Portfolio Looks Like"
YouTube Link 2024-01-24T06:00Z 205K followers, [----] engagements
"Are you guilty of any of these mistakes Are you guilty of any of these mistakes . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an"
YouTube Link 2025-11-16T15:30Z 204K followers, [----] engagements
"Retiree Reveals What Its Really Like Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-11-11T16:01Z 203K followers, [----] engagements
"Heres Exactly How Social Security Gets Taxed Social Security is an important income source for retirees but understanding how it is taxed can be confusing. Key Takeaways: âž¡ Social security is subject to the same federal taxes as other sources of income but only a portion of it is included in your taxable income based on your provisional income. âž¡ If Social Security is your primary or sole source of income you may be in a lower tax bracket resulting in a smaller percentage of your benefit being taxable. âž¡ Provisional income thresholds are not adjusted for inflation meaning that over time more"
YouTube Link 2023-06-17T17:00Z 205K followers, 116.2K engagements
"Culture starts with clarity. Culture starts with clarity. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment"
YouTube Link 2025-12-30T15:01Z 207K followers, [----] engagements
"Blind ranking retirement withdrawal strategies. Blind ranking retirement withdrawal strategies. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial"
YouTube Link 2026-01-03T15:01Z 207K followers, 14.7K engagements
"Early Retirees Shares How They Retired Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-10-21T15:10Z 202K followers, [----] engagements
"If you want to care for your family dont leave them guessing. If you want to care for your family dont leave them guessing. . . Follow to get the most out of life with your money. ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered"
YouTube Link 2025-12-22T15:01Z 207K followers, [----] engagements
"Why Singles Are Retiring [--] Years Too Late Most retirement advice quietly assumes you have a partner: two incomes two Social Security checks someone to split expenses with someone to catch the slack if something goes wrong. But for singles the margins are tighter and the freedom can be much greater. Planning alone means every decision carries more weight but it also means you have full control over the life you want to build. This video centers on Tina a 62-year-old single woman with roughly $2.2 million across investment accounts employer stock a 401(k) and a Roth IRA. Her situation"
YouTube Link 2025-12-07T20:00Z 207K followers, 12.4K engagements
"Early Retiree Shares Tips on How to Retire Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational"
YouTube Link 2025-10-19T15:02Z 203K followers, [----] engagements
"Here's the Most Unethical Thing Advisors Do Some of the most damaging financial advice doesnt look shady at all. It looks responsible. It looks optimized. And it looks great on a spreadsheet. This episode breaks down one of the most unethical practices James sees in financial planning not selling high-fee products but using projections and tax strategies to justify an advisors fee while ignoring the life those numbers are supposed to support. The problem starts when advisors lead with value creation instead of purpose. Tax savings Roth strategies and optimized projections can be manipulated"
YouTube Link 2025-12-21T20:00Z 207K followers, 11.7K engagements
"The best advice often sounds clich until its true for you The best advice often sounds clich until its true for you. Focus on what you can control feels too simple almost boring. But real financial progress rarely comes from a clever Roth conversion it comes from doing the basics well consistently. Simplicity wins more often than complexity. #financialplanning #retirementplanning #retirementsavings #financialfreedom ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/"
YouTube Link 2025-11-02T21:00Z 203K followers, [----] engagements
"Retirement Regrets: [--] Retirement Purchases Youll Wish You Didnt Make"
YouTube Link 2024-06-29T05:00Z 204K followers, [----] engagements
"POV: Retiree Shares Truth About Leaving Work Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-11-01T15:01Z 203K followers, [----] engagements
"How Much Do I Need to Spend $10k/month in Retirement Planning for retirement can be daunting filled with anxiety about having enough money. John and Jane a couple like many of you transformed their retirement fears into a secure future living on $10000 per month. Here's how they did it. Facing Retirement Anxiety: John and Jane feared running out of money in retirement influenced by their parents' struggles. Determined to avoid this they aimed to either enjoy retirement or live frugally but worried about overspending or missing out. Before planning their finances included: -John's 401(k):"
YouTube Link 2024-06-15T17:00Z 206K followers, 72.8K engagements
"Social Security Explained How to Maximize Your Social Security Benefit How can you maximize your Social Security benefit Social Security may be one of your primary sources of income in retirement and you'll learn the tips on how you can be sure to get the most out of your Social Security benefit in today's video. Timestamps: 00:00 - Introduction 1:15 - Full Retirement Age 3:00 - Cost of Living Adjustment 6:57 - Provisional Income 9:17 - State Income Tax 11:39 - Survivor/Spousal Benefits 13:11 - Example of Spousal Benefits 15:54 - TWO-Person Decision 17:32 - Foundation of Planning Learn the"
YouTube Link 2023-03-19T16:57Z 204K followers, 124.4K engagements
"Your investment statement doesnt tell the whole story. Your investment statement doesnt tell the whole story. If your portfolio says youre earning 8% but inflation is 10% youre really losing 2% a year. The goal isnt just to grow money its to grow after inflation. Thats why running projections and stress testing your plan matters. #financialplanning #retirementplanning #investmentstrategy #riskmanagement #inflation #retirement #financialfreedom ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us"
YouTube Link 2025-11-01T21:01Z 203K followers, [----] engagements
"The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs"
YouTube Link 2025-02-19T06:00Z 175K followers, [----] engagements
"The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs"
YouTube Link 2025-02-21T06:00Z 176K followers, [----] engagements
"5 Really Good Reasons to File for Social Security at Age [--] Conventional wisdom says to delay social security benefits for as long as possible however thats not the best strategy in all cases. In fact there are several compelling reasons why collecting Social Security at age [--] could be the right decision for certain individuals. Life Expectancy: Many financial analyses focus solely on the break-even point usually around age [--] or [--]. However if your health history or family background indicates a shorter life expectancy it's essential to weigh the benefits of early collection versus waiting."
YouTube Link 2024-02-10T18:00Z 204K followers, 1.2M engagements
"Inside a Retirees Life: The Reality Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-11-17T16:01Z 204K followers, [----] engagements
"Retirement Income Strategy Explained How to Pay Yourself for Life Retirement income can feel complex but a steady retirement paycheck starts with a simple framework. James reframes withdrawal decisions shows when a 5% starting rate can fit versus a conservative 4% and explains sequence risk and flexible spending guardrails through a clear million dollar case study. Taxes do the heavy lifting. Retirement income is taxed differently than wages with no FICA on non wage income only up to [--] percent of Social Security taxable and long term capital gains often at [--] or [--] percent. Blending IRA"
YouTube Link 2025-10-28T18:01Z 206K followers, 41.1K engagements
"This isnt about bashing advisors this is about protecting your future. This isnt about bashing advisors this is about protecting your future. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory"
YouTube Link 2025-12-06T15:01Z 207K followers, [----] engagements
"Most people start retirement planning by asking How much do I need But thats the wrong question Most people start retirement planning by asking How much do I need But thats the wrong question. You dont retire on a number you retire on income. The goal isnt to hit a certain net worth its to know what level of income your portfolio can reliably produce. Start by knowing what you want to spend then back into how much savings can create that income through a sustainable withdrawal rate. #retirementplanning #financialfreedom #incomeforlife #retirementincome #financialindependence"
YouTube Link 2025-11-12T16:30Z 203K followers, 15.7K engagements
"The Roth Conversion Mistake that Could DOUBLE (or more) Your Medicare Costs"
YouTube Link 2025-02-14T18:00Z 175K followers, [----] engagements
"Im Single and [--] Years Out From Retirement. What Should I be Doing (5 Specific Steps)"
YouTube Link 2025-02-12T18:01Z 174K followers, [----] engagements
"Im Single and [--] Years Out From Retirement. What Should I be Doing (5 Specific Steps)"
YouTube Link 2025-02-13T06:00Z 174K followers, [----] engagements
"Youre not alone if youre worried about outliving your money Youre not alone if youre worried about outliving your money. Its the #1 fear in retirement and it can quietly sabotage how you enjoy it. Retirement isnt just about money its about peace of mind. #retirement #financialsecurity #moneymanagement #retirementplanning #financialfreedom #financialdiscipline ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel"
YouTube Link 2025-10-28T22:53Z 203K followers, [----] engagements
"Avoid This Portfolio Withdrawal Mistake Most People Make in Retirement Today Im talking about something that challenges the traditional way of thinking about portfolio withdrawals in retirement. If you've been basing your retirement income solely on the 4% Rule or similar strategies you might be missing out on crucial aspects of your financial plan. Picture this: you've diligently saved for retirement and you're ready to start enjoying the fruits of your labor. According to the [--] percent rule you can withdraw 4% of your portfolio annually and have a high likelihood of that money lasting for"
YouTube Link 2024-02-17T18:00Z 202K followers, 52.3K engagements
"Welcome To Our Channel Our goal is to help you understand how you can best protect what's most important to you. Learn the tips & strategies to create your secure retirement. Free Retirement Checklist Here: https://rootfinancialpartners.lpages.co/resources-root-financial-partners/ SUBSCRIBE HERE: https://www.youtube.com/channel/UCBNdQfS-fzODmYb8Hkr4egAsub_confirmation=1 Join Community https://root-collective-58ba64.circle.so/joininvitation_token=7d3099b487a7dac1d9e97518d6661caff82a14cd-e9ef17fb-3ff3-48ef-ac1e-1d1939c91ae0 _ _ For more resources and content check us out below Website //"
YouTube Link 2022-07-08T16:29Z 206K followers, [----] engagements
"Make Sure You Use This Withdrawal Strategy As Soon As You Retire One of the most commonly asked questions I receive is what should my withdrawal strategy be in retirement In this video you'll learn how to withdraw funds in retirement most effectively. TIMESTAMPS 00:00 - Introduction 1:23 - How To Recreate Income 3:24 - The Guardrails Approach 5:39 - Guyton's Guardrails Rules 9:22 - Inflation 10:50 - Capital Preservation Rule 12:14 - Additional Considerations 14:43 - The Importance of Framework 16:07 - How Much Is Enough 16:28 - Working With Us Free Retirement Checklist Here:"
YouTube Link 2022-06-11T19:00Z 203K followers, 92.5K engagements
"Im [--] with $1.7M How Much Can I Spend in Retirement"
YouTube Link 2024-12-27T06:00Z 203K followers, [----] engagements
"How many non-work friends do you have How many non-work friends do you have . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are offered through Root Financial Partners LLC an"
YouTube Link 2026-01-11T15:01Z 207K followers, 10.7K engagements
"Maximize Your Early Retirement: Should You Save to 401k or Brokerage Accounts Typical retirement strategies assume a retirement age of over [--]. With an earlier retirement goal a careful look is required to determine what strategies will create the best outcome. James responds to a listeners question about where to invest as he anticipates an early retirement. James walks through the steps of Roots Sequoia System to explore options for early retirement scenarios. Questions Answered: How does early retirement impact traditional retirement planning strategies such as the 4% rule When deciding"
YouTube Link 2024-02-13T18:00Z 204K followers, 163.2K engagements
"What you do with your 401k at retirement matters more than most people realize. What you do with your 401k at retirement matters more than most people realize. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa"
YouTube Link 2025-11-30T15:01Z 205K followers, 15.8K engagements
"See How Much Roth Conversions Saved Them [--] Watch the full video here https://youtu.be/x68gAHbHw8c"
YouTube Link 2023-12-15T18:00Z 206K followers, [----] engagements
"Most retirees don't realize they have MORE tax planning opportunities after retirement than before Most retirees don't realize they have MORE tax planning opportunities after retirement than before . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more"
YouTube Link 2025-11-26T15:01Z 204K followers, [----] engagements
"Im Single and [--] Years Out From Retirement. What Should I be Doing (5 Specific Steps)"
YouTube Link 2025-02-14T06:00Z 174K followers, [---] engagements
"Beyond financial wealth: what else matters in life Beyond financial wealth: what else matters in life Financial wealth is just one scorecard. The real question is: how many more summers do you have with your family How many more years can you postpone your health goals Retirement planning isnt just a spreadsheet its your life. #financialplanning #wealthmanagement #financialfreedom #worklifebalance ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root"
YouTube Link 2025-10-26T20:00Z 203K followers, [----] engagements
"Early Retiree Shares Truth About Retiring Early Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-10-20T15:01Z 203K followers, [----] engagements
"Ive Never Seen So Many Retirees Make This Same Mistake Most retirees who make this mistake arent reckless. Theyre careful. Responsible. Theyre trying to do the right thing. And thats what makes it so hard to watch. James explains why one specific portfolio mistake is showing up more than ever (across retirees who manage their own investments and those working with advisors) and why both paths often lead to the same painful outcome if the portfolio isnt built around real retirement needs. People are living longer. Many are retiring earlier. Market volatility isnt going away. At the same time"
YouTube Link 2026-01-11T20:00Z 207K followers, 65.4K engagements
"POV: Retiree Shares Truth About Leaving Work Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes"
YouTube Link 2025-11-09T04:00Z 203K followers, [----] engagements
"How to Avoid the RMD Tax Trap: Prevent"
YouTube Link 2024-10-11T19:45Z 204K followers, [---] engagements
"How Much Will I Pay in Taxes in Retirement Complete Guide to Retirement Taxes"
YouTube Link 2024-01-30T18:00Z 203K followers, [----] engagements
"How to Avoid the RMD Tax Trap: Prevent"
YouTube Link 2024-10-08T17:00Z 204K followers, [---] engagements
"How Much Do You Need to Retire in [----] Watch the full video here https://www.youtube.com/watchv=Or-EtuQUHhY"
YouTube Link 2024-01-03T18:00Z 204K followers, [----] engagements
"How to Maximize Social Security Spousal Benefits (Even if You Collect Your Benefit Early) A single misunderstanding about Social Security spousal benefits can cost couples thousands over retirement. This episode unpacks the real math behind how Social Security treats spouses ex-spouses and survivors so you can make smart claiming decisions that protect both cash flow and long-term security. Listen to learn how the spousal benefit actually works: its based on 50% of the primary earners full retirement age benefit not when they file. We walk through clear examples showing who qualifies how"
YouTube Link 2025-11-09T20:01Z 203K followers, [----] engagements
"Paying 0% in taxes sounds too good to be true but its possible. Paying 0% in taxes sounds too good to be true but its possible. . . Follow to get the most out of life with your money ======================= Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Advisory services are"
YouTube Link 2025-11-24T15:02Z 204K followers, 10.4K engagements
"Inside a Retirees Life: The Reality Learn the tips & strategies to get the most out of life with your money. ======================= Work with us https://www.rootfinancial.com/start-here/ Check out our Root Financial Youtube Channel https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg Get access to the retirement software I use and more https://retirement-planning-academy.mykajabi.com/rpa _ _ Timestamps: _ _ Advisory services are offered through Root Financial Partners LLC an SEC-registered investment adviser. This content is intended for informational and educational purposes only and"
YouTube Link 2025-11-12T04:00Z 203K followers, [----] engagements
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