#  @tederhartcfp Ted Erhart, CFP® Ted Erhart, CFP® posts on YouTube about retirement, capital gains, if you, financial planner the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/youtube::UCK0P6ZhKzsKqKqOi3A8wQJA/interactions)  - [--] Week [------] +40% - [--] Month [-------] -40% - [--] Months [-------] +292% - [--] Year [-------] +25% ### Mentions: [--] [#](/creator/youtube::UCK0P6ZhKzsKqKqOi3A8wQJA/posts_active)  - [--] Week [--] +10% - [--] Month [--] +15% - [--] Months [--] +19% - [--] Year [--] +95% ### Followers: [------] [#](/creator/youtube::UCK0P6ZhKzsKqKqOi3A8wQJA/followers)  - [--] Week [------] +0.65% - [--] Month [------] +5.50% - [--] Months [------] +26% - [--] Year [------] +45% ### CreatorRank: [---------] [#](/creator/youtube::UCK0P6ZhKzsKqKqOi3A8wQJA/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [technology brands](/list/technology-brands) [social networks](/list/social-networks) [financial services](/list/financial-services) [countries](/list/countries) **Social topic influence** [retirement](/topic/retirement), [capital gains](/topic/capital-gains) #90, [if you](/topic/if-you), [financial planner](/topic/financial-planner), [social security](/topic/social-security) #108, [social](/topic/social), [law](/topic/law), [big beautiful](/topic/big-beautiful) #29, [the new](/topic/the-new), [money](/topic/money) **Top assets mentioned** [Morgan Stanley (MS)](/topic/morgan-stanley) [Target Corporation (TGT)](/topic/$tgt) ### Top Social Posts Top posts by engagements in the last [--] hours "NET INVESTMENT INCOME TAX explained with examples Large capital gains often are hit with an additional 3.8% tax known as the net investment income tax. In this video we talk about what the net investment income tax (NIIT) is and how it is calculated with different income combinations. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/" [YouTube Link](https://youtube.com/watch?v=NE3_pJMEWqU) 2024-03-11T15:45Z 15.4K followers, 44.8K engagements "How capital gains affect taxes on Social Security Will capital gains make my Social Security benefits taxable This is a common question among retirees. If a retiree's income is low enough Social Security benefits are not taxed. Similarly capital gains can be taxed at 0% if one's income is below certain thresholds. What's confusing is the taxation of Social Security depends on how much other income (including capital gains) you have and vice versa. This relationship can create a tax trap for unknowing retirees. In this video we discuss how capital gains impact the taxation of Social Security" [YouTube Link](https://youtube.com/watch?v=X2K9E4tKrfQ) 2024-09-11T16:28Z 15.4K followers, 44.5K engagements "New 0% capital gains opportunity in Big Beautiful Bill for 65+ The One Big Beautiful Bill Act of [----] provides taxpayers age 65+ with additional tax deductions (subject to income limits). What's become known as the "senior bonus deduction" expands the opportunity for some people to take long-term capital gains at a 0% tax rate. I break it down in this video. 💡IMPORTANT - AS EMPHASIZED IN THE VIDEO IF YOU HAVE ANY OTHER SOURCES OF INCOME (SOCIAL SECURITY WAGES INTEREST ETC.) IT WILL REDUCE YOUR ABILITY TO TAKE CAPITAL GAINS AT THE 0% RATE. WORK WITH A TAX PROFESSIONAL TO MAKE SURE YOU GET THE" [YouTube Link](https://youtube.com/watch?v=d2YSm0qmfMY) 2026-01-07T20:26Z 15.4K followers, 144.1K engagements "TOP tax reduction strategy in retirement - QCDs Many retirees like to give to charity. ALL retirees like to avoid Medicare premium surcharges a.k.a. IRMAA. Fortunately there is a special rule in the tax code that helps with both. It's generally known as QUALIFIED CHARITABLE DISTRIBUTION. In this video we discuss how QCDs work including how they can reduce your gross income AND taxable income. Reducing one's gross income helps avoid Medicare surcharges and reducing taxable income lowers your over-all tax bill. This is one of the best tax planning tools in retirement. QCDs are available for" [YouTube Link](https://youtube.com/watch?v=1H4NauD3Bbs) 2025-02-25T15:00Z 15.4K followers, [----] engagements "I bond yield expected to plummet I bonds have been one of the hottest topics in personal finance since November [----]. The interest rate is tied to a measure of inflation that resets every [--] months. In May [----] the interest rate surged to a jaw dropping 9.62%. However the Federal Reserve has been working to cool the economy off in an effort to bring inflation down. Those efforts have been working. As a result inflation has eased and when the I bond rate resets in May [----] it's expected to be around 3.8%. By comparison brokered CDs and Treasury bills look more attractive. Related videos: How to" [YouTube Link](https://youtube.com/watch?v=6aWlEH2oV_g) 2023-04-20T18:37Z 15.4K followers, [---] engagements "Market signals T Bill & CD rates are going to fall Most T Bill and brokered CD investors gravitate toward short maturities typically a year or less. But if you thought there was a fair chance that interest rates were about to fall you'd want to buy longer maturities to lock in a higher rate. One key recession indicator which is flashing bright red has historically also been a consistent signal for falling interest rates. In this video we talk about the indicator and how investors can position a CD or Treasury portfolio for both rising and falling interest rates. My professional focus is" [YouTube Link](https://youtube.com/watch?v=ATh0LirjGYY) 2022-12-07T12:00Z 15.1K followers, [----] engagements "Using cost basis to maximize tax free retirement cash flow People that work for large public companies often accumulate large amounts of their employers stock. If someone works for a company for [--] or [--] years these stock holdings can easily exceed $1 million. This provides an opportunity to gradually divest that stock in retirement. Further if the planning is done right it could create a temporary income stream of $15k per month $20k per month or even more. One of the key factors that determines the size of the potential tax-free cash flow is cost basis. The higher your cost basis is as a" [YouTube Link](https://youtube.com/watch?v=JHDNAZ7lxYk) 2025-02-18T13:00Z 15.4K followers, [----] engagements "2023 - How to buy treasury bills on Fidelity Short-term treasury bills (or bonds) are now yielding over 5%. This is the highest level in [--] years. In this video I'll walk you through the steps of buying US treasury bills through Fidelity. Fidelity does not charge any fees or commissions if you purchase T-bills online. The other nice thing about treasurys is the interest earned is state income tax free. If you're unsure about treasurys brokered CDs are a little simpler and I created a separate video showing how to purchase them on Fidelity's platform: https://youtu.be/gziEzw2BI1c Also related" [YouTube Link](https://youtube.com/watch?v=Ktt2_vvCfOA) 2023-02-28T20:09Z 15.4K followers, 40.5K engagements "Tips for including grandchildren in your estate plan People often include grandkids or other family members in their estate plan. However as the number of heirs increases so too does the administrative burden of disbursing an estate when the time comes. In this video we'll cover tips for keeping things simple while taking into account the tax implications of different kinds of assets. Related video: https://youtu.be/sY23GqUPsN4si=TWflQLY4zdxyCgCg 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for" [YouTube Link](https://youtube.com/watch?v=LxFTam-_fV4) 2026-01-17T18:48Z 15.4K followers, [---] engagements "Why does the Federal Reserve (the Fed) buy bonds What does it mean when the Federal Reserve (the Fed) is buying bonds There isn't just one answer. The Federal Reserve will purchase bonds for different reasons. In this video I explain why the Fed will purchase bonds during periods of financial turmoil. Quantitative easing (or QE) is a related topic but differs from the Fed acting as a buyer of last resort during a financial panic. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota" [YouTube Link](https://youtube.com/watch?v=Mtn4PQT4cTA) 2021-10-21T17:22Z 12.7K followers, [----] engagements "Avoid the ESTIMATED TAX roller coaster in retirement One of the biggest headaches for many retirees is dealing with quarterly estimated taxes. Many people experience variable income in retirement due to capital gains from stock or real estate sales. Deferred compensation vesting restricted stock and stock options are also common culprits. The problem with short term spikes in income is they can also result in an estimated tax roller where one year someone is paying little to no estimated taxes and the next year their tax preparer tells them to pay huge estimated taxes. This happens because of" [YouTube Link](https://youtube.com/watch?v=Y3DzgqqDJ-w) 2025-07-29T01:30Z 15.4K followers, [----] engagements "Can I lose money on brokered CDs or T bills With short term interest rates surging in [----] individual investors having been jumping into securities like brokered CDs and Treasury bills. But interest rates have continued to trend higher throughout the year. This has created paper losses (or unrealized losses) for individuals that bought CDs or Treasurys earlier in the year. It's confusing to many people. How can my statement show a loss on something that is FDIC insured In this video I explain the mechanics of changing interest rates and the associated effect on the MARKET PRICE of brokered" [YouTube Link](https://youtube.com/watch?v=_EQmTX3_RmI) 2022-11-25T11:00Z 15.1K followers, 13K engagements "How to report a qualified charitable distribution on tax return Qualified charitable distributions (also known as QCD) are great for both charitable giving and tax planning. However people are often surprised that financial firms (i.e. Fidelity Schwab Vanguard Morgan Stanley etc.) do not specifically code for these transactions on 1099R tax forms. In otherwords a QCD looks like a regular TAXABLE IRA withdrawal on a 1099R. It is up to the taxpayer to tell the IRS on your form [----] how much of your IRA withdrawal is taxable. In this video we walk through the simple instructions for reporting a" [YouTube Link](https://youtube.com/watch?v=bBNkMwvysPo) 2023-05-16T18:00Z 15.4K followers, [----] engagements "NEW - HOW SOCIAL SECURITY IS TAXED with examples 💡Update - The "One Big Beautiful Bill" that was passed in [----] did not change how Social Security is taxed. The new law does create an additional $6000 deduction ($12000 for joint filers) for people [--] and over which applies to all types of income including Social Security (the extra deduction is subject to income limits however). This additional deduction is scheduled to expire at the end of [----]. Here's a video on this: https://youtu.be/dg_ZPQokTyosi=CRsf8jSqTFbW6Zex New retirees often ask one of the following questions: Are Social Security" [YouTube Link](https://youtube.com/watch?v=cbiAtETn_TA) 2024-10-09T11:00Z 15.4K followers, 326.7K engagements "2025 is THE YEAR for charitable deduction tax planning The [----] tax law known as the One Big Beautiful Bill Act contained a number of changes that affect the deductibility of charitable gifts. These changes essentially place limits on the tax benefits of charitable giving. In this video we cover two of the new rules that will particularly impact high income taxpayers. Importantly these new rules don't take effect until [----] so there is still time for those to maximize the impact of tax planning around charitable giving in [----]. Here is a related video on donor advised funds:" [YouTube Link](https://youtube.com/watch?v=eQCpjZbMg2I) 2025-11-13T20:18Z 15.4K followers, [----] engagements "Overlooked Risk of Delaying a Pension There can be good reasons for delaying a pension. Sometimes people are working past full retirement age. In other cases capturing generous deferral credits can be an effective retirement planning strategy. However this strategy can create an overlooked risk. What happens if you die before you ever start drawing your pension Many corporate pension plans state that if a worker dies before starting benefits their surviving spouse will only be entitled to 50% of what the worker would have received. This risk can be protected against with planning. But" [YouTube Link](https://youtube.com/watch?v=h5k9MJ3YaA0) 2025-08-26T17:26Z 15.4K followers, [---] engagements "New special RMD election for surviving spouses The SECURE Act [---] passed in late [----] contains a lot of changes to the retirement system. One of the new rules will allow surviving spouses to maintain the same required minimum distribution "clock" on inherited IRAs as their late spouse. For example imagine a husband (age 75) and wife (age 65). Assume wife dies and husband inherits her IRA. Under the new rule which comes into effect in [----] the husband will be able to defer required minimum distributions until the year in-which his WIFE would-have been subject to RMDs. In this example it would" [YouTube Link](https://youtube.com/watch?v=hoQt-mqks_A) 2023-01-17T21:00Z 15.4K followers, [---] engagements "REDUCE taxes on BIG withdrawal from INHERITED IRA In this video I demonstrate a simple approach for limiting the tax hit if you're taking a large withdrawal from an inherited IRA. Most inherited IRAs are comprised of pre-tax money. When you take a withdrawal you also have to pay taxes. This may not be an issue if the IRA is relatively small. But what if the retirement account is $100k $200k or $500k+ A simple strategy for limiting the tax hit is spreading the tax hit out over multiple tax years. If timed correctly a sizeable amount of money can be withdrawn within [--] months while spreading" [YouTube Link](https://youtube.com/watch?v=hsI4_NAXxcM) 2023-07-27T18:56Z 15.4K followers, 11.3K engagements "New "SUPER" 401k & 403b maximum for people 60-63 A new provision from the retirement law passed by congress will take effect in [----]. It has been nicknamed the SUPER CATCHUP contribution which applies to 401k 403b and [---] plans. The new rule effects people who will be ages [--] [--] [--] or [--]. It allows them to save more into their retirement plan. What's a bit counterintuitive is once a person turns age [--] the amount they can contribute declines. We break it down in this video. 401k catchup 401k catch up super catchup super catch up 403b catch up 401k catchup 401k catch up super catchup super" [YouTube Link](https://youtube.com/watch?v=n0QAMpF4rnQ) 2024-11-20T15:01Z 15.4K followers, [----] engagements "Rising interest rates may put a wall in front of stocks One of the most common methods for measuring the attractiveness of stocks is by comparing the earnings yield against long-term interest rates on government bonds. (The difference between these two is called the equity risk premium.) Theoretically investors should demand a higher potential return for taking additional investment risk. Because of this the earnings yield on stocks has historically been higher than interest rates on government bonds. But occasionally long-term interest rates will offer a higher GUARANTEED return than the" [YouTube Link](https://youtube.com/watch?v=p0WS-kTa6Pc) 2023-09-19T16:47Z 15.4K followers, [---] engagements "FDIC shuts down SVB. Classic RUN ON THE BANK Today FDIC took control SVB Financial. It counts as the second largest bank failure in US history. The culprit basically comes down to rising interest rates. Rising rates are causing stress in the financial system. Consumers are shifting money away from banks to earn a higher yield in money market instruments high yield savings and bonds. Additionally asset prices are taking a hit as financial conditions tighten which means bank balance sheets are under pressure. This combination led a to a classic run on the bank as depositers pulled their money" [YouTube Link](https://youtube.com/watch?v=sJxHVXYxFMw) 2023-03-10T22:12Z 15.4K followers, [---] engagements "Tax wise beneficiary elections When it comes to estate planning understanding that different types of assets receive different tax treatment is important. Some assets can pass on to heirs with effectively no income taxes. In contrast other assets like pre-tax IRAs or 401ks are FULLY taxable to heirs (as they withdraw the money). If you have at least a general sense of the financial situation of your heirs being strategic with your beneficiary elections can save them taxes and maximize what ultimately passes on. Check out this related video for a tip on cleaning up your estate 👉" [YouTube Link](https://youtube.com/watch?v=sY23GqUPsN4) 2025-08-12T11:09Z 15.4K followers, [---] engagements "Big COLA for Social Security coming in [----] As the monthly inflation data rolls in we're setting up for the largest Social Security cost of living adjustment in [--] years. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/ This has been prepared solely for informational purposes. Information herein is not intended to be complete" [YouTube Link](https://youtube.com/watch?v=khFhGD6J5EI) 2022-09-21T11:00Z 15.2K followers, [---] engagements "Retirement Tips for Target Corp. Employees If you were recently laid off by Target Corp. or are still there and thinking about retiring here are a some tips to be thinking about for your planning. We'll touch on the Executive Deferred Compensation Plan (EDCP) Target 401k and pensions (Target Traditional Pension Plan and Personal Pension account). 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/" [YouTube Link](https://youtube.com/watch?v=aEPlMf7gXbw) 2025-11-05T17:25Z 15.4K followers, [---] engagements "Easily increase FDIC coverage in one account - brokered CDs With interest rates surging in [----] certificates of deposit suddenly look attractive again. What if you'd like to buy more than $250000 How can you increase your FDIC coverage without going to multiple banks and establishing multiple accounts. Brokered CDs are a great solution to efficiently purchase over $250000 of CDs from different banks all within one account. Related videos: How to buy brokered CDs on Fidelity: https://youtu.be/gziEzw2BI1c Can I lose money on brokered CDs or government bonds: https://youtu.be/_EQmTX3_RmI My" [YouTube Link](https://youtube.com/watch?v=joAq6VI0hZQ) 2022-11-21T20:09Z 15.3K followers, [----] engagements "Planning for One Off Expenses in Retirement Arguably the most important number to figure out for a retirement plan is how much cash flow you need every month. This should be an all-inclusive number that accounts for not only your basic living expenses but also discretionary spending for enjoying life (entertainment hobbies etc.). It should also include some allotment for one-off expenses like major home and auto repairs medical expenses and the random things that come up in life. People often dont think about this in their planning or have a difficult time estimating how much to budget for" [YouTube Link](https://youtube.com/watch?v=ECtDZLz0Bc8) 2026-02-11T20:10Z 15.4K followers, [---] engagements "The Federal Reserve balance sheet explained Bond buying (and selling) is one of the primary tactics the Fed uses to influence the broader economy. The Fed balance sheet is basically an accounting of these activities. It provides analysts and investors some insight into the scale of the Fed's actions. Related videos: 👇 🤔Fed bond buying explained - concept and mechanics of QE: https://youtu.be/KD6H0EgNwqY 🤔Why does the Fed buy bonds - explained: https://youtu.be/lKW0t23Is2Y My professional focus is tax efficient retirement planning for people 55+. Please visit our website or reach out for a" [YouTube Link](https://youtube.com/watch?v=GcTGXsO2Ijg) 2022-05-04T11:00Z 15.4K followers, 20.1K engagements "New tax trap for people 65+ in Big Beautiful Bill One of the most popular parts of the new tax law known as the One Big Beautiful Bill Act is the Senior Bonus Deduction. This basically gives individuals age 65+ an additional $6000 tax deduction ($12000 for married filers). However this new deduction phases out over certain income limits. The phaseout inadvertently creates an artificially high tax rate for those with incomes that fall within a specific range. We break down the mechanics in this video. Related video ➡ https://youtu.be/dg_ZPQokTyosi=zTzV9ACmcRaaQn2I 👉 My professional focus is" [YouTube Link](https://youtube.com/watch?v=Hw5w-xagb5g) 2025-12-29T18:58Z 15.4K followers, 49.6K engagements "How the Big Beautiful Bill Impacts Taxes on Social Security During the [----] presidential campaign there was discussion of eliminating taxes on Social Security. However this didn't make it into the "One Big Beautiful Bill Act." Instead a new provision being referred to as "the senior bonus deduction" was included in the new tax law as a compromise. In this video we explain these key changes and how they affect taxes on Social Security benefits. Here's a link to the free resource: https://www.norrislakeretirement.com/free-resources/ 👉 My professional focus is retirement planning for" [YouTube Link](https://youtube.com/watch?v=dg_ZPQokTyo) 2025-07-12T18:43Z 15.4K followers, [----] engagements "3 SIMPLE capital gains tax strategies When capital gains are pushing your income up there are a number of simple strategies to offset that extra income. I see people overlook some of these basic approaches regularly. I routinely use three strategies to reduce and sometimes eliminate the tax bill generated by capital gains. They include spreading the gains across multiple tax years (to manage tax brackets) fully utilize deductible vehicles like IRAs and H.S.A.s and finally charitable giving specifically with donor advised funds which I find to be one of the most versatile tax planning tools." [YouTube Link](https://youtube.com/watch?v=n-20s5iEJKg) 2025-12-16T13:28Z 15.4K followers, [----] engagements "Top [--] new tax deductions for retirees in the Big Beautiful Bill As the first tax season gets underway since the One Big Beautiful Bill Act was passed in [----] I want to highlight what I think are the top [--] new deductions that are most likely to impact retirees. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/ https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/" [YouTube Link](https://youtube.com/watch?v=p3vd_vxwRcQ) 2026-01-29T16:32Z 15.4K followers, [----] engagements "Why did Russia Raise Interest Rates to [--] percent A basic explanation of the effects of sanctions. The western world has placed unprecedented sanctions on the Russian economy and financial system. This has resulted in a collapse of the Russian currency and spikes in interest rates. Here's a high-level discussion of the effect of economic and financial sanctions on Russia. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/" [YouTube Link](https://youtube.com/watch?v=vmYE2l5NWqE) 2022-02-28T22:05Z 15.3K followers, [---] engagements "Capital gains tax traps for people 65+ Long term capital gains get special tax treatment in the tax code. Gains can be taxed at 0% if a taxpayers income is low enough. However capital gains increase a taxpayers gross income. This creates numerous tax traps for retirees or people age [--] and above. When gross income increases it can increase ones Medicare premiums (via IRMAA) and increase the amount of Social Security benefits subject to tax. It can also reduce or eliminate ones eligibility to take tax deductions such as the new Senior Bonus Deduction that was part of the [----] tax law known as" [YouTube Link](https://youtube.com/watch?v=NhAHzfHFqbg) 2025-10-29T13:30Z 15.4K followers, 13.7K engagements "NEW - Can Capital Gains Push Me Into a Higher Tax Bracket Long term capital gains get special treatment in the tax code. However this special treatment tends to generate questions such as will capital gains push me into a higher tax bracket Or what happens if my capital gain goes over the 0% rate threshold This is a relatively technical subject that requires some foundational knowledge. We tackle it in this video with a few examples of how the ordering rules dictate the tax rate(s) when a taxpayer has multiple types of income. If you have a capital gain in excess of $200000 make sure you're" [YouTube Link](https://youtube.com/watch?v=xKI2UufBLuI) 2024-03-06T17:36Z 15.4K followers, 333.1K engagements "Shift INHERITED IRA to your 401k - TAX FREE Since a new law came into effect in [----] IRAs inherited from a non-spouse have been subject to less favorable rules. Notably the new law says these accounts must be withdrawn within 10-years (with a few exceptions) Notably the majority of inherited IRAs are comprised of pre-tax dollars which means any distribution will increase a tax-payers income. Some people would rather defer the taxes because they may be still working and already paying a high marginal tax rate. One strategy for deferring the tax bill is INDIRECTLY shifting dollars from the" [YouTube Link](https://youtube.com/watch?v=1syuj5hGlO8) 2024-05-05T01:08Z 15.4K followers, [----] engagements "Understanding corporate stock buybacks.are they good bad or neither The topic of stock buybacks has increasingly found its way into political discussions. Some politicians have even suggested banning companies from buying back their own stocks. In this video we discuss what corporate buybacks are why companies do them and whether or not they are good or bad" [YouTube Link](https://youtube.com/watch?v=5SvshZtm2ak) 2020-06-22T16:41Z 12.6K followers, [--] engagements "Getting Around T Bill minimums on Fidelity The most common question I get about buying treasury bills (or T-bills) through Fidelity is about minimum purchases. "Can I buy a treasury if there is a large minimum purchase" In most cases you can buy the bond but it will be at a slighly lower interest rate. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com" [YouTube Link](https://youtube.com/watch?v=8YXQPJAbcaQ) 2023-07-31T20:13Z 15.4K followers, [----] engagements "Brokered CDs usually offer the highest rates. Here's what to know. Short-term interest rates have surged in [----] but banks have been very slow to adjust the rates on savings accounts and certificates of deposit (CDs). However if you know where to look you can find CDs yielding nearly the same rate as short-term government bonds which are approaching 5% as of this recording. Today we're talking about brokered CDs and the key things you need to know. Related video.Can I lose money on brokered CDs https://youtu.be/_EQmTX3_RmI Related video.How to purchase brokered CDs with Fidelity:" [YouTube Link](https://youtube.com/watch?v=CbV3TkjG15E) 2022-11-09T12:00Z 11.2K followers, 10.6K engagements "US Treasury yields rise and send recession warning Treasury yields continue to rise but the increase is faster on the short-end of the yield curve. This has caused the curve to flatten and actually start to invert which is a classic recession indicator. A short discussion on Treasurys and the yield curve. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/" [YouTube Link](https://youtube.com/watch?v=GpPSjHtKfI8) 2022-03-30T22:34Z 11.1K followers, [---] engagements "3 Risks for Unmarried Couples in Retirement www.norrislakeretirement.com Especially later in life it's not uncommon for couples to forgo marriage. Members of the couple may have children from prior relationships or other factors that make getting married more complicated than someone who is just getting started in life. The problem is in the event of death a surviving person of an unmarried couple could easily find themselves in a financial bind and potentially without a place to live. The laws that are in-place to provide rights and protections to spouses in a legal marriage by-in-large do" [YouTube Link](https://youtube.com/watch?v=J4ZfVoyB5KQ) 2024-06-13T15:00Z 15.4K followers, [----] engagements "Fed bond buying explained - concept and mechanics of quantitative easing This week the Fed (Federal Reserve) announced it will begin to taper its bond purchases. To understand the significance you need to comprehend how bond purchases affect interest rates. A simple explanation of the mechanics of bond buying quantitative easing and quantitative tightening. My professional focus is tax efficient retirement planning for individuals age 55+. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com" [YouTube Link](https://youtube.com/watch?v=KD6H0EgNwqY) 2021-11-05T18:14Z 12K followers, 12.5K engagements "Retiring on $120k+ of TAX FREE capital gains Most public companies pay their employees at least partially in stock via options grants restricted stock etc. When people work for fast growing companies that simultaneously experience rapid stock price appreciation they could easily end up with stock holdings in the six or seven figures. This puts them in a strong position to implement a very tax efficient retirement planning strategy of gradually selling stock living off the proceeds and paying NO FEDERAL INCOME TAX (as long as the planning is done right). In this video we review an example of a" [YouTube Link](https://youtube.com/watch?v=LkhqLxp9E5I) 2025-01-21T18:05Z 15.4K followers, [----] engagements "Overlooked tax free retirement income If Social Security is your primary source of retirement income you may be paying no federal income tax. Retirees in these situations often don't realize they could take additional income completely tax free. This extra income could be used for increased spending or tax and estate planning strategies such as Roth conversions. Related video 👉 HOW SOCIAL SECURITY BENEFITS ARE TAXED: https://youtu.be/cbiAtETn_TAsi=oq2TKxaLfqPOwSxi 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation." [YouTube Link](https://youtube.com/watch?v=Nlog97-_P6U) 2024-11-06T18:00Z 15.4K followers, 25.2K engagements "Tax planning with aging parents to minimize taxes for beneficiaries of retirement accounts Many aging retirees have retirement savings they never intend to spend. Most often the dollars are ultimately destined to their children. If a retiree has very low taxable income there often is an opportunity to withdraw pre-tax retirement savings at a 0% tax rate. The strategy is generally a win-win for everyone (the account owner and heirs). Ted Erhart CFP Financial Planner Anoka Minnesota https://www.youtube.com/c/TedErhartCFP https://twitter.com/erhart_ted" [YouTube Link](https://youtube.com/watch?v=OAv-alzuxrY) 2022-01-11T12:00Z 11.6K followers, [---] engagements "2023 - How to redeem I Bonds step by step Interest rates have moved significantly in [----]. As a result other savings vehicles such as treasury bills and treasury inflation protected securites (also known as TIPS) look more attractive. In this video we cover the step by step process for selling/redeeming I bonds. 👉 Related video - TIPS look better than I Bonds. https://youtu.be/8mfimUy6orMsi=RNQG_TDs9Wq7VyRM 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP" [YouTube Link](https://youtube.com/watch?v=VJ2Qsrl_SBg) 2023-10-10T17:00Z 15.4K followers, [----] engagements "Can long term capital gains push me into a higher tax bracket Long-term capital gains often bring up a lot of questions like "Will capital gains push my ordinary income into a higher tax bracket" Taxpayers also often wonder what happens if their capital gain is slightly higher than the 0% tax bracket threshold. Is the entire gain taxed at the higher rate or just the amount that is over the 0% bracket We tackle those questions with illustrations in this discussion. Link to video referenced at 0:48 https://www.youtube.com/watchv=4o9CcGG2cKg My professional focus is tax efficient retirement" [YouTube Link](https://youtube.com/watch?v=_RUjyw7Xs2M) 2021-12-14T11:00Z 11.6K followers, 25.5K engagements "Looking for a return on cash How about US savings bonds at 9.62%.no joke Check out https://www.treasurydirect.gov/tdhome.htm for more information. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/" [YouTube Link](https://youtube.com/watch?v=aUmQsw8iA8A) 2022-05-03T20:25Z 11.9K followers, [--] engagements "Cryptocurrency - Part III - Is this investing or speculating Many people compare the cryptocurrency situation to the dot.com bubble in the late 90s. One thing that differs is cryptocurrencies themselves are not businesses they are much more like commodities in the sense that they have no intrinsic value. Join our last discussion on this subject as we come at it from an investing perspective" [YouTube Link](https://youtube.com/watch?v=ed1kHRtprQE) 2021-07-21T19:48Z 11.3K followers, [--] engagements "Looking for a return on cash US Treasurys are starting to look interesting. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/" [YouTube Link](https://youtube.com/watch?v=ge7HT2M_vxA) 2022-03-18T16:35Z 11.2K followers, [---] engagements "Minimizing taxes on inherited IRA Since the [----] law change if you inherit an IRA from someone who is not your spouse you have [--] years to withdraw the funds. But most IRAs are comprised of pre-tax dollars. This means that when you take a withdrawal you generally have to pay taxes. Especially for those who have the ability to control their income good planning can result in paying a much lower tax rate. A FEW NOTES - I noticed one error in my tax table after recording. In the 12% bracket for married filers the first figure should be $22000 (vs. $20000). Additionally don't forget about state" [YouTube Link](https://youtube.com/watch?v=gsJui7TtRc4) 2023-05-08T15:45Z 15.4K followers, 22.2K engagements "Retirement strategy for Graco employees - NET UNREALIZED APPRECIATION If youve worked for Minneapolis based Graco for many years youre likely in a good position to take advantage of a somewhat arcane rule in the tax code known as NET UNREALIZED APPRECIATION. This approach is available to people who own company stock within a retirement plan (401k ESOP etc.). The rule provides a mechanism for getting the company stock out of the retirement plan which usually results in much more favorable tax treatment and control. 👉 My professional focus is retirement planning for individuals age 55+. Please" [YouTube Link](https://youtube.com/watch?v=jpsh0DKfXlE) 2024-05-13T18:10Z 15.4K followers, [---] engagements "Interest rates fall Last chance for 5% CDs Fear of financial contagion has resulted in a big shift from riskier assets like stocks to safe-havens such as government bonds and cash.This has pushed interest rates down significantly. In-fact the 2-year US Treasury broke above 5% less than two weeks ago. Days later it sunk below 4% as fear gripped the financial markets. Many investors feel like they missed out on a rate that hadn't been seen for [--] years. However the rates on brokered CDs have not been as quick to change. As of this recording on March [--] [----] despite Treasury yields being in the" [YouTube Link](https://youtube.com/watch?v=k-VgFMmLP_c) 2023-03-18T16:18Z 15.4K followers, [----] engagements "Opportunity for cash - Huge move in short-term interest rates For most of [----] US Treasurys have yielded significantly more than comparable bank products like CDs. The spread is the widest I've seen and looks like an interesting opportunity. The US economy appears to have contracted again in Q2 [----]. Two quarters of negative GDP growth are usually the definition of a recession. Yet by most measures the economy is still very strong. How can the economy be contracting with the unemployment level near [--] year lows One explanation for this is the way GDP is calculated.specifically the fact that" [YouTube Link](https://youtube.com/watch?v=p8kpO2xO_Tc) 2022-09-14T11:00Z 11.5K followers, [---] engagements "How to calculate tax withholding in retirement How much tax to withhold from your retirement income sources is common question. It's confusing because most tax payers pay a blended tax rate and deductions also make things fuzzy. This video describes how you can calculate your actual tax rate and translate that into the correct withholding amount from IRA distributions Social Security and pensions. And yes those are my kids screaming for me at the very end."DAD" LOL. 😆 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a" [YouTube Link](https://youtube.com/watch?v=wUQDAKefhUo) 2024-12-23T13:27Z 15.4K followers, 23.8K engagements "Use excess cash savings to maximize your tax-free investment holdings If you have excess cash savings that you're looking to put to work counter-intuitively using that cash to pay income taxes on Roth conversions may be a very good opportunity to maximize your tax free investment holdings. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook" [YouTube Link](https://youtube.com/watch?v=yMmgNcx3-o0) 2022-05-17T10:56Z 11.6K followers, [---] engagements "Planning for One Off Expenses in Retirement Arguably the most important number to figure out for a retirement plan is how much cash flow you need every month. This should be an all-inclusive number that accounts for not only your basic living expenses but also discretionary spending for enjoying life (entertainment hobbies etc.). It should also include some allotment for one-off expenses like major home and auto repairs medical expenses and the random things that come up in life. People often dont think about this in their planning or have a difficult time estimating how much to budget for" [YouTube Link](https://youtube.com/watch?v=ECtDZLz0Bc8) 2026-02-11T20:10Z 15.4K followers, [---] engagements "Top [--] new tax deductions for retirees in the Big Beautiful Bill As the first tax season gets underway since the One Big Beautiful Bill Act was passed in [----] I want to highlight what I think are the top [--] new deductions that are most likely to impact retirees. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/ https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/" [YouTube Link](https://youtube.com/watch?v=p3vd_vxwRcQ) 2026-01-29T16:32Z 15.4K followers, [----] engagements "Tips for including grandchildren in your estate plan People often include grandkids or other family members in their estate plan. However as the number of heirs increases so too does the administrative burden of disbursing an estate when the time comes. In this video we'll cover tips for keeping things simple while taking into account the tax implications of different kinds of assets. Related video: https://youtu.be/sY23GqUPsN4si=TWflQLY4zdxyCgCg 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for" [YouTube Link](https://youtube.com/watch?v=LxFTam-_fV4) 2026-01-17T18:48Z 15.4K followers, [---] engagements "New 0% capital gains opportunity in Big Beautiful Bill for 65+ The One Big Beautiful Bill Act of [----] provides taxpayers age 65+ with additional tax deductions (subject to income limits). What's become known as the "senior bonus deduction" expands the opportunity for some people to take long-term capital gains at a 0% tax rate. I break it down in this video. 💡IMPORTANT - AS EMPHASIZED IN THE VIDEO IF YOU HAVE ANY OTHER SOURCES OF INCOME (SOCIAL SECURITY WAGES INTEREST ETC.) IT WILL REDUCE YOUR ABILITY TO TAKE CAPITAL GAINS AT THE 0% RATE. WORK WITH A TAX PROFESSIONAL TO MAKE SURE YOU GET THE" [YouTube Link](https://youtube.com/watch?v=d2YSm0qmfMY) 2026-01-07T20:26Z 15.4K followers, 144.1K engagements "New tax trap for people 65+ in Big Beautiful Bill One of the most popular parts of the new tax law known as the One Big Beautiful Bill Act is the Senior Bonus Deduction. This basically gives individuals age 65+ an additional $6000 tax deduction ($12000 for married filers). However this new deduction phases out over certain income limits. The phaseout inadvertently creates an artificially high tax rate for those with incomes that fall within a specific range. We break down the mechanics in this video. Related video ➡ https://youtu.be/dg_ZPQokTyosi=zTzV9ACmcRaaQn2I 👉 My professional focus is" [YouTube Link](https://youtube.com/watch?v=Hw5w-xagb5g) 2025-12-29T18:58Z 15.4K followers, 49.6K engagements "3 SIMPLE capital gains tax strategies When capital gains are pushing your income up there are a number of simple strategies to offset that extra income. I see people overlook some of these basic approaches regularly. I routinely use three strategies to reduce and sometimes eliminate the tax bill generated by capital gains. They include spreading the gains across multiple tax years (to manage tax brackets) fully utilize deductible vehicles like IRAs and H.S.A.s and finally charitable giving specifically with donor advised funds which I find to be one of the most versatile tax planning tools." [YouTube Link](https://youtube.com/watch?v=n-20s5iEJKg) 2025-12-16T13:28Z 15.4K followers, [----] engagements "2025 is THE YEAR for charitable deduction tax planning The [----] tax law known as the One Big Beautiful Bill Act contained a number of changes that affect the deductibility of charitable gifts. These changes essentially place limits on the tax benefits of charitable giving. In this video we cover two of the new rules that will particularly impact high income taxpayers. Importantly these new rules don't take effect until [----] so there is still time for those to maximize the impact of tax planning around charitable giving in [----]. Here is a related video on donor advised funds:" [YouTube Link](https://youtube.com/watch?v=eQCpjZbMg2I) 2025-11-13T20:18Z 15.4K followers, [----] engagements "Retirement Tips for Target Corp. Employees If you were recently laid off by Target Corp. or are still there and thinking about retiring here are a some tips to be thinking about for your planning. We'll touch on the Executive Deferred Compensation Plan (EDCP) Target 401k and pensions (Target Traditional Pension Plan and Personal Pension account). 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/" [YouTube Link](https://youtube.com/watch?v=aEPlMf7gXbw) 2025-11-05T17:25Z 15.4K followers, [---] engagements "Capital gains tax traps for people 65+ Long term capital gains get special tax treatment in the tax code. Gains can be taxed at 0% if a taxpayers income is low enough. However capital gains increase a taxpayers gross income. This creates numerous tax traps for retirees or people age [--] and above. When gross income increases it can increase ones Medicare premiums (via IRMAA) and increase the amount of Social Security benefits subject to tax. It can also reduce or eliminate ones eligibility to take tax deductions such as the new Senior Bonus Deduction that was part of the [----] tax law known as" [YouTube Link](https://youtube.com/watch?v=NhAHzfHFqbg) 2025-10-29T13:30Z 15.4K followers, 13.7K engagements "Overlooked Risk of Delaying a Pension There can be good reasons for delaying a pension. Sometimes people are working past full retirement age. In other cases capturing generous deferral credits can be an effective retirement planning strategy. However this strategy can create an overlooked risk. What happens if you die before you ever start drawing your pension Many corporate pension plans state that if a worker dies before starting benefits their surviving spouse will only be entitled to 50% of what the worker would have received. This risk can be protected against with planning. But" [YouTube Link](https://youtube.com/watch?v=h5k9MJ3YaA0) 2025-08-26T17:26Z 15.4K followers, [---] engagements "Tax wise beneficiary elections When it comes to estate planning understanding that different types of assets receive different tax treatment is important. Some assets can pass on to heirs with effectively no income taxes. In contrast other assets like pre-tax IRAs or 401ks are FULLY taxable to heirs (as they withdraw the money). If you have at least a general sense of the financial situation of your heirs being strategic with your beneficiary elections can save them taxes and maximize what ultimately passes on. Check out this related video for a tip on cleaning up your estate 👉" [YouTube Link](https://youtube.com/watch?v=sY23GqUPsN4) 2025-08-12T11:09Z 15.4K followers, [---] engagements "Avoid the ESTIMATED TAX roller coaster in retirement One of the biggest headaches for many retirees is dealing with quarterly estimated taxes. Many people experience variable income in retirement due to capital gains from stock or real estate sales. Deferred compensation vesting restricted stock and stock options are also common culprits. The problem with short term spikes in income is they can also result in an estimated tax roller where one year someone is paying little to no estimated taxes and the next year their tax preparer tells them to pay huge estimated taxes. This happens because of" [YouTube Link](https://youtube.com/watch?v=Y3DzgqqDJ-w) 2025-07-29T01:30Z 15.4K followers, [----] engagements "How the Big Beautiful Bill Impacts Taxes on Social Security During the [----] presidential campaign there was discussion of eliminating taxes on Social Security. However this didn't make it into the "One Big Beautiful Bill Act." Instead a new provision being referred to as "the senior bonus deduction" was included in the new tax law as a compromise. In this video we explain these key changes and how they affect taxes on Social Security benefits. Here's a link to the free resource: https://www.norrislakeretirement.com/free-resources/ 👉 My professional focus is retirement planning for" [YouTube Link](https://youtube.com/watch?v=dg_ZPQokTyo) 2025-07-12T18:43Z 15.4K followers, [----] engagements "TOP tax reduction strategy in retirement - QCDs Many retirees like to give to charity. ALL retirees like to avoid Medicare premium surcharges a.k.a. IRMAA. Fortunately there is a special rule in the tax code that helps with both. It's generally known as QUALIFIED CHARITABLE DISTRIBUTION. In this video we discuss how QCDs work including how they can reduce your gross income AND taxable income. Reducing one's gross income helps avoid Medicare surcharges and reducing taxable income lowers your over-all tax bill. This is one of the best tax planning tools in retirement. QCDs are available for" [YouTube Link](https://youtube.com/watch?v=1H4NauD3Bbs) 2025-02-25T15:00Z 15.4K followers, [----] engagements "Using cost basis to maximize tax free retirement cash flow People that work for large public companies often accumulate large amounts of their employers stock. If someone works for a company for [--] or [--] years these stock holdings can easily exceed $1 million. This provides an opportunity to gradually divest that stock in retirement. Further if the planning is done right it could create a temporary income stream of $15k per month $20k per month or even more. One of the key factors that determines the size of the potential tax-free cash flow is cost basis. The higher your cost basis is as a" [YouTube Link](https://youtube.com/watch?v=JHDNAZ7lxYk) 2025-02-18T13:00Z 15.4K followers, [----] engagements "Retiring on $120k+ of TAX FREE capital gains Most public companies pay their employees at least partially in stock via options grants restricted stock etc. When people work for fast growing companies that simultaneously experience rapid stock price appreciation they could easily end up with stock holdings in the six or seven figures. This puts them in a strong position to implement a very tax efficient retirement planning strategy of gradually selling stock living off the proceeds and paying NO FEDERAL INCOME TAX (as long as the planning is done right). In this video we review an example of a" [YouTube Link](https://youtube.com/watch?v=LkhqLxp9E5I) 2025-01-21T18:05Z 15.4K followers, [----] engagements "Top year-end tax planning tool - DONOR ADVISED FUNDS One of the most flexible tax planning tools is a donor advised fund. These accounts allow individuals to create tax deductions to a specific dollar amount which can be very handy if you're trying to keep your income below certain thresholds or offset irregular income such as capital gains. In this video we illustrate a tax planning case that reduces the client's tax bill by about $12500. The example was inspired by a real world case. Related videos: ✅ How capital gains affect your tax rate: https://youtu.be/xKI2UufBLuIsi=eDr4eoEQWswqPmQT ✅" [YouTube Link](https://youtube.com/watch?v=AFp3Day94eo) 2024-12-30T18:05Z 15.4K followers, [----] engagements "How to calculate tax withholding in retirement How much tax to withhold from your retirement income sources is common question. It's confusing because most tax payers pay a blended tax rate and deductions also make things fuzzy. This video describes how you can calculate your actual tax rate and translate that into the correct withholding amount from IRA distributions Social Security and pensions. And yes those are my kids screaming for me at the very end."DAD" LOL. 😆 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a" [YouTube Link](https://youtube.com/watch?v=wUQDAKefhUo) 2024-12-23T13:27Z 15.4K followers, 23.8K engagements "Do I have to pay off my house before I retire People regularly ask me some version of the following question "Do I need to have my mortgage paid off before I can retire" Going into retirement debt free certainly helps but it is not a requirement. Looking at my own retired clients approximately 40% still have a monthly mortgage payment. What matters most is whether you have enough cash flow to cover all of your living expenses including debt. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀" [YouTube Link](https://youtube.com/watch?v=6IBBG0Ug1OI) 2024-12-04T15:00Z 15.4K followers, [----] engagements "New "SUPER" 401k & 403b maximum for people 60-63 A new provision from the retirement law passed by congress will take effect in [----]. It has been nicknamed the SUPER CATCHUP contribution which applies to 401k 403b and [---] plans. The new rule effects people who will be ages [--] [--] [--] or [--]. It allows them to save more into their retirement plan. What's a bit counterintuitive is once a person turns age [--] the amount they can contribute declines. We break it down in this video. 401k catchup 401k catch up super catchup super catch up 403b catch up 401k catchup 401k catch up super catchup super" [YouTube Link](https://youtube.com/watch?v=n0QAMpF4rnQ) 2024-11-20T15:01Z 15.4K followers, [----] engagements "Overlooked tax free retirement income If Social Security is your primary source of retirement income you may be paying no federal income tax. Retirees in these situations often don't realize they could take additional income completely tax free. This extra income could be used for increased spending or tax and estate planning strategies such as Roth conversions. Related video 👉 HOW SOCIAL SECURITY BENEFITS ARE TAXED: https://youtu.be/cbiAtETn_TAsi=oq2TKxaLfqPOwSxi 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation." [YouTube Link](https://youtube.com/watch?v=Nlog97-_P6U) 2024-11-06T18:00Z 15.4K followers, 25.2K engagements "Will lower income hurt my Social Security Some people prefer to coast into retirement by working part time for period. A common question that arises is "Will taking a big pay cut hurt my Social Security benefits" The short answer is lower income will never negatively impact the benefits you have already earned. But it's important to understand that Social Security is based on your highest [--] years of income. In this video we talk about a few additional things to think about if you have less than [--] years of earnings and are the primary income earner in a household. 👉 My professional focus is" [YouTube Link](https://youtube.com/watch?v=1QXuPvBsMRw) 2024-10-23T12:33Z 15.4K followers, [----] engagements "NEW - HOW SOCIAL SECURITY IS TAXED with examples 💡Update - The "One Big Beautiful Bill" that was passed in [----] did not change how Social Security is taxed. The new law does create an additional $6000 deduction ($12000 for joint filers) for people [--] and over which applies to all types of income including Social Security (the extra deduction is subject to income limits however). This additional deduction is scheduled to expire at the end of [----]. Here's a video on this: https://youtu.be/dg_ZPQokTyosi=CRsf8jSqTFbW6Zex New retirees often ask one of the following questions: Are Social Security" [YouTube Link](https://youtube.com/watch?v=cbiAtETn_TA) 2024-10-09T11:00Z 15.4K followers, 326.7K engagements "Eliminate this HASSLE from your estate I've helped many clients with inheritances. Frequently part of their inheritance will include small amounts of directly held stock that is administered by companies such as Computershare EQ Shareowner Servcices Continental Stock Transfer Broadridge or Vstock Transfer. Unfortunately these companies often require adminstrative processes that take a lot of time and sometimes out-of-pockets costs. Examples include requirements for Medallion Signature Guarantees or original stock certificates that families may not be able to locate. Often times it is best for" [YouTube Link](https://youtube.com/watch?v=UUNnu9Dyt5o) 2024-09-24T14:05Z 15.4K followers, [----] engagements "How capital gains affect taxes on Social Security Will capital gains make my Social Security benefits taxable This is a common question among retirees. If a retiree's income is low enough Social Security benefits are not taxed. Similarly capital gains can be taxed at 0% if one's income is below certain thresholds. What's confusing is the taxation of Social Security depends on how much other income (including capital gains) you have and vice versa. This relationship can create a tax trap for unknowing retirees. In this video we discuss how capital gains impact the taxation of Social Security" [YouTube Link](https://youtube.com/watch?v=X2K9E4tKrfQ) 2024-09-11T16:28Z 15.4K followers, 44.5K engagements "3 Risks for Unmarried Couples in Retirement www.norrislakeretirement.com Especially later in life it's not uncommon for couples to forgo marriage. Members of the couple may have children from prior relationships or other factors that make getting married more complicated than someone who is just getting started in life. The problem is in the event of death a surviving person of an unmarried couple could easily find themselves in a financial bind and potentially without a place to live. The laws that are in-place to provide rights and protections to spouses in a legal marriage by-in-large do" [YouTube Link](https://youtube.com/watch?v=J4ZfVoyB5KQ) 2024-06-13T15:00Z 15.4K followers, [----] engagements "Retirement strategy for Graco employees - NET UNREALIZED APPRECIATION If youve worked for Minneapolis based Graco for many years youre likely in a good position to take advantage of a somewhat arcane rule in the tax code known as NET UNREALIZED APPRECIATION. This approach is available to people who own company stock within a retirement plan (401k ESOP etc.). The rule provides a mechanism for getting the company stock out of the retirement plan which usually results in much more favorable tax treatment and control. 👉 My professional focus is retirement planning for individuals age 55+. Please" [YouTube Link](https://youtube.com/watch?v=jpsh0DKfXlE) 2024-05-13T18:10Z 15.4K followers, [---] engagements "Shift INHERITED IRA to your 401k - TAX FREE Since a new law came into effect in [----] IRAs inherited from a non-spouse have been subject to less favorable rules. Notably the new law says these accounts must be withdrawn within 10-years (with a few exceptions) Notably the majority of inherited IRAs are comprised of pre-tax dollars which means any distribution will increase a tax-payers income. Some people would rather defer the taxes because they may be still working and already paying a high marginal tax rate. One strategy for deferring the tax bill is INDIRECTLY shifting dollars from the" [YouTube Link](https://youtube.com/watch?v=1syuj5hGlO8) 2024-05-05T01:08Z 15.4K followers, [----] engagements "NET INVESTMENT INCOME TAX explained with examples Large capital gains often are hit with an additional 3.8% tax known as the net investment income tax. In this video we talk about what the net investment income tax (NIIT) is and how it is calculated with different income combinations. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/" [YouTube Link](https://youtube.com/watch?v=NE3_pJMEWqU) 2024-03-11T15:45Z 15.4K followers, 44.8K engagements "NEW - Can Capital Gains Push Me Into a Higher Tax Bracket Long term capital gains get special treatment in the tax code. However this special treatment tends to generate questions such as will capital gains push me into a higher tax bracket Or what happens if my capital gain goes over the 0% rate threshold This is a relatively technical subject that requires some foundational knowledge. We tackle it in this video with a few examples of how the ordering rules dictate the tax rate(s) when a taxpayer has multiple types of income. If you have a capital gain in excess of $200000 make sure you're" [YouTube Link](https://youtube.com/watch?v=xKI2UufBLuI) 2024-03-06T17:36Z 15.4K followers, 333.1K engagements "How big is a ROTH IRA if max funded for [--] years The annual contribution limit for Roth IRAs is relatively small at $6500 for people under age [--] in [----]. Some may understandably question whether it's worth it. The answer depends on how many years you have in front of you. But it is very possible too accumulate over $1 MILLION On top of that the money would be completely tax-free upon withdrawal and pass to your beneficiaries free of income tax (based on current law). In this video we illustrate the potential outcome of [--] years of max funding a Roth IRA. 👉 My professional focus is" [YouTube Link](https://youtube.com/watch?v=Awk3hkncD0U) 2024-02-24T16:20Z 15.4K followers, 11K engagements "3 SIGNALS SEND RECESSION WARNING Despite the economy plowing forward in [----] there are multiple indicators pointing to a slowdown. It's important for savers to understand that historically during recessions short-term interest rates fall significantly. Right now savers are enjoying the highest interest rates on CDs treasury bills and other short-term savings instruments. One method for protecting against falling interest rates is buying longer maturities which is what I've been doing with some of my personal savings in recent months. Related video 👉 I'm selling I-Bonds & Buying TIPS" [YouTube Link](https://youtube.com/watch?v=izFbI782dwA) 2023-10-17T17:00Z 15.4K followers, [---] engagements "2023 - How to redeem I Bonds step by step Interest rates have moved significantly in [----]. As a result other savings vehicles such as treasury bills and treasury inflation protected securites (also known as TIPS) look more attractive. In this video we cover the step by step process for selling/redeeming I bonds. 👉 Related video - TIPS look better than I Bonds. https://youtu.be/8mfimUy6orMsi=RNQG_TDs9Wq7VyRM 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP" [YouTube Link](https://youtube.com/watch?v=VJ2Qsrl_SBg) 2023-10-10T17:00Z 15.4K followers, [----] engagements "TIPS look better than I Bonds Long-term interest rates have jumped to multi-decade highs as inflation remains elevated. One interesting development is the yield on TIPS also known as treasury inflation protected securities has jumped to one of the highest levels in the last [--] years. Investors can presently capture a real (after inflation) yield of 2-3%. This compares to I Bonds which are only paying inflation plus 0.9% as of this recording. For these reasons Ive been shifting some of my personal money from I Bonds to TIPS. Related video: Can I lose money on brokered CDs or government bonds" [YouTube Link](https://youtube.com/watch?v=8mfimUy6orM) 2023-09-26T14:30Z 15.4K followers, [----] engagements "Rising interest rates may put a wall in front of stocks One of the most common methods for measuring the attractiveness of stocks is by comparing the earnings yield against long-term interest rates on government bonds. (The difference between these two is called the equity risk premium.) Theoretically investors should demand a higher potential return for taking additional investment risk. Because of this the earnings yield on stocks has historically been higher than interest rates on government bonds. But occasionally long-term interest rates will offer a higher GUARANTEED return than the" [YouTube Link](https://youtube.com/watch?v=p0WS-kTa6Pc) 2023-09-19T16:47Z 15.4K followers, [---] engagements "3 EASY ways to earn 5% on cash in [----] Cash is king in [----] Short-term interest rates are at the HIGHEST levels in [--] years. Yet a recent study suggested nearly 70% of Americans haven't done anything to take advantage of the big move. In this video I'll show you [--] EASY ways to earn around 5% on your cash with virtually no risk. We cover high yield savings CDs treasury bills and money markets. For more info check out these videos: 💰How to buy brokered CDs on Fidelity: https://youtu.be/gziEzw2BI1c 💰How to buy treasury bills on Fidelity: https://youtu.be/Ktt2_vvCfOA 👉 My professional focus is" [YouTube Link](https://youtube.com/watch?v=jda6qwnuRxs) 2023-08-14T16:52Z 15.4K followers, [---] engagements "Getting Around T Bill minimums on Fidelity The most common question I get about buying treasury bills (or T-bills) through Fidelity is about minimum purchases. "Can I buy a treasury if there is a large minimum purchase" In most cases you can buy the bond but it will be at a slighly lower interest rate. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com" [YouTube Link](https://youtube.com/watch?v=8YXQPJAbcaQ) 2023-07-31T20:13Z 15.4K followers, [----] engagements "REDUCE taxes on BIG withdrawal from INHERITED IRA In this video I demonstrate a simple approach for limiting the tax hit if you're taking a large withdrawal from an inherited IRA. Most inherited IRAs are comprised of pre-tax money. When you take a withdrawal you also have to pay taxes. This may not be an issue if the IRA is relatively small. But what if the retirement account is $100k $200k or $500k+ A simple strategy for limiting the tax hit is spreading the tax hit out over multiple tax years. If timed correctly a sizeable amount of money can be withdrawn within [--] months while spreading" [YouTube Link](https://youtube.com/watch?v=hsI4_NAXxcM) 2023-07-27T18:56Z 15.4K followers, 11.3K engagements "How to report a qualified charitable distribution on tax return Qualified charitable distributions (also known as QCD) are great for both charitable giving and tax planning. However people are often surprised that financial firms (i.e. Fidelity Schwab Vanguard Morgan Stanley etc.) do not specifically code for these transactions on 1099R tax forms. In otherwords a QCD looks like a regular TAXABLE IRA withdrawal on a 1099R. It is up to the taxpayer to tell the IRS on your form [----] how much of your IRA withdrawal is taxable. In this video we walk through the simple instructions for reporting a" [YouTube Link](https://youtube.com/watch?v=bBNkMwvysPo) 2023-05-16T18:00Z 15.4K followers, [----] engagements "Minimizing taxes on inherited IRA Since the [----] law change if you inherit an IRA from someone who is not your spouse you have [--] years to withdraw the funds. But most IRAs are comprised of pre-tax dollars. This means that when you take a withdrawal you generally have to pay taxes. Especially for those who have the ability to control their income good planning can result in paying a much lower tax rate. A FEW NOTES - I noticed one error in my tax table after recording. In the 12% bracket for married filers the first figure should be $22000 (vs. $20000). Additionally don't forget about state" [YouTube Link](https://youtube.com/watch?v=gsJui7TtRc4) 2023-05-08T15:45Z 15.4K followers, 22.2K engagements "Falling diesel prices send recession warning Commodity prices often send signals about the direction of the economy. Both diesel and gasoline prices have fallen rapidly over the past six months. Many factors impact energy prices but shipping companies including UPS have said demand for freight has significantly waned which suggests consumers are pulling back on purchases of goods. WSJ article: https://www.wsj.com/articles/sliding-diesel-prices-signal-warning-for-u-s-economy-c6400724 My professional focus is tax efficient retirement planning for individuals over age [--]. Please visit our" [YouTube Link](https://youtube.com/watch?v=jPPrelRm3q0) 2023-05-01T18:02Z 15.4K followers, [---] engagements "I bond yield expected to plummet I bonds have been one of the hottest topics in personal finance since November [----]. The interest rate is tied to a measure of inflation that resets every [--] months. In May [----] the interest rate surged to a jaw dropping 9.62%. However the Federal Reserve has been working to cool the economy off in an effort to bring inflation down. Those efforts have been working. As a result inflation has eased and when the I bond rate resets in May [----] it's expected to be around 3.8%. By comparison brokered CDs and Treasury bills look more attractive. Related videos: How to" [YouTube Link](https://youtube.com/watch?v=6aWlEH2oV_g) 2023-04-20T18:37Z 15.4K followers, [---] engagements "Mortgage rates - Worst in 20+ years Mortgage rates have dramatically increased since [----]. Based on a very strong historical relationship the 30-year fixed rate mortgage is about as poorly priced as it has been in 20+ years. Given the situation an adjustable rate mortgage is probably worth considering for home buyers presently. Related video 💡 Market signals interest rates are going to fall: https://youtu.be/ATh0LirjGYY Mortgage rates - Best in 20+ years (August 2021) 👉https://youtu.be/1PpUtA3qTj0 My professional focus is retirement planning for individuals over age [--]. Please visit our" [YouTube Link](https://youtube.com/watch?v=XwJmc_wxJxg) 2023-04-14T16:55Z 15.4K followers, [---] engagements "Interest rates fall Last chance for 5% CDs Fear of financial contagion has resulted in a big shift from riskier assets like stocks to safe-havens such as government bonds and cash.This has pushed interest rates down significantly. In-fact the 2-year US Treasury broke above 5% less than two weeks ago. Days later it sunk below 4% as fear gripped the financial markets. Many investors feel like they missed out on a rate that hadn't been seen for [--] years. However the rates on brokered CDs have not been as quick to change. As of this recording on March [--] [----] despite Treasury yields being in the" [YouTube Link](https://youtube.com/watch?v=k-VgFMmLP_c) 2023-03-18T16:18Z 15.4K followers, [----] engagements "FDIC shuts down SVB. Classic RUN ON THE BANK Today FDIC took control SVB Financial. It counts as the second largest bank failure in US history. The culprit basically comes down to rising interest rates. Rising rates are causing stress in the financial system. Consumers are shifting money away from banks to earn a higher yield in money market instruments high yield savings and bonds. Additionally asset prices are taking a hit as financial conditions tighten which means bank balance sheets are under pressure. This combination led a to a classic run on the bank as depositers pulled their money" [YouTube Link](https://youtube.com/watch?v=sJxHVXYxFMw) 2023-03-10T22:12Z 15.4K followers, [---] engagements "Warren Buffett gets the last laugh.AGAIN Financial markets regularly swing from optimism to pessimism. Sometimes extreme optimism can reward speculators and make the prudent investor look out-of-touch. This has happened to Warren Buffett multiple times throughout his illustrious career. We saw it most recently in the 2020-2021 period which looked very similar to the 1999-2000 period. In both cases Buffett and his company Berkshire Hathaway ended up with the last laugh. Buffett Warren Buffett Berkshire Hathaway Buffett Warren Buffett Berkshire Hathaway" [YouTube Link](https://youtube.com/watch?v=-Nn39JRtF7I) 2023-03-08T20:00Z 15.4K followers, [---] engagements "2023 - How to buy treasury bills on Fidelity Short-term treasury bills (or bonds) are now yielding over 5%. This is the highest level in [--] years. In this video I'll walk you through the steps of buying US treasury bills through Fidelity. Fidelity does not charge any fees or commissions if you purchase T-bills online. The other nice thing about treasurys is the interest earned is state income tax free. If you're unsure about treasurys brokered CDs are a little simpler and I created a separate video showing how to purchase them on Fidelity's platform: https://youtu.be/gziEzw2BI1c Also related" [YouTube Link](https://youtube.com/watch?v=Ktt2_vvCfOA) 2023-02-28T20:09Z 15.4K followers, 40.5K engagements "High yield savings accounts [----] I constantly see people earning virtually ZERO on their cash savings. Rates have gone up so much you can earn 3-4% with a high yield savings account. Don't leave this easy money on the table https://www.ally.com/bank/online-savings-account/ https://www.capitalone.com/bank/ https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/ My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota" [YouTube Link](https://youtube.com/watch?v=1o04Ap0uXOI) 2023-02-22T20:08Z 15.4K followers, [---] engagements "Supercharge your pension by deferring Some pension plans feature large credits for deferring. Particularly for people that expect to be long-lived deferring a pension can be an attractive option for maximizing guaranteed retirement income. In this video we'll specifically look at Target Corporation's traditional pension plan which offers very generous deferral credits for retirees. Target pension SUMMARY PLAN DESCRIPTION: https://cache.hacontent.com/ybr/R516/00936_ybr_ybrfndt/downloads/DB.pdf Related video.My favorite strategy for protecting against inflation in retirement:" [YouTube Link](https://youtube.com/watch?v=2MKNQ-bCJg8) 2023-02-11T18:43Z 15.4K followers, [---] engagements "New special RMD election for surviving spouses The SECURE Act [---] passed in late [----] contains a lot of changes to the retirement system. One of the new rules will allow surviving spouses to maintain the same required minimum distribution "clock" on inherited IRAs as their late spouse. For example imagine a husband (age 75) and wife (age 65). Assume wife dies and husband inherits her IRA. Under the new rule which comes into effect in [----] the husband will be able to defer required minimum distributions until the year in-which his WIFE would-have been subject to RMDs. In this example it would" [YouTube Link](https://youtube.com/watch?v=hoQt-mqks_A) 2023-01-17T21:00Z 15.4K followers, [---] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@tederhartcfp Ted Erhart, CFP®
Ted Erhart, CFP® posts on YouTube about retirement, capital gains, if you, financial planner the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.
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Social Influence
Social category influence finance stocks technology brands social networks financial services countries
Social topic influence retirement, capital gains #90, if you, financial planner, social security #108, social, law, big beautiful #29, the new, money
Top assets mentioned Morgan Stanley (MS) Target Corporation (TGT)
Top Social Posts
Top posts by engagements in the last [--] hours
"NET INVESTMENT INCOME TAX explained with examples Large capital gains often are hit with an additional 3.8% tax known as the net investment income tax. In this video we talk about what the net investment income tax (NIIT) is and how it is calculated with different income combinations. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/"
YouTube Link 2024-03-11T15:45Z 15.4K followers, 44.8K engagements
"How capital gains affect taxes on Social Security Will capital gains make my Social Security benefits taxable This is a common question among retirees. If a retiree's income is low enough Social Security benefits are not taxed. Similarly capital gains can be taxed at 0% if one's income is below certain thresholds. What's confusing is the taxation of Social Security depends on how much other income (including capital gains) you have and vice versa. This relationship can create a tax trap for unknowing retirees. In this video we discuss how capital gains impact the taxation of Social Security"
YouTube Link 2024-09-11T16:28Z 15.4K followers, 44.5K engagements
"New 0% capital gains opportunity in Big Beautiful Bill for 65+ The One Big Beautiful Bill Act of [----] provides taxpayers age 65+ with additional tax deductions (subject to income limits). What's become known as the "senior bonus deduction" expands the opportunity for some people to take long-term capital gains at a 0% tax rate. I break it down in this video. 💡IMPORTANT - AS EMPHASIZED IN THE VIDEO IF YOU HAVE ANY OTHER SOURCES OF INCOME (SOCIAL SECURITY WAGES INTEREST ETC.) IT WILL REDUCE YOUR ABILITY TO TAKE CAPITAL GAINS AT THE 0% RATE. WORK WITH A TAX PROFESSIONAL TO MAKE SURE YOU GET THE"
YouTube Link 2026-01-07T20:26Z 15.4K followers, 144.1K engagements
"TOP tax reduction strategy in retirement - QCDs Many retirees like to give to charity. ALL retirees like to avoid Medicare premium surcharges a.k.a. IRMAA. Fortunately there is a special rule in the tax code that helps with both. It's generally known as QUALIFIED CHARITABLE DISTRIBUTION. In this video we discuss how QCDs work including how they can reduce your gross income AND taxable income. Reducing one's gross income helps avoid Medicare surcharges and reducing taxable income lowers your over-all tax bill. This is one of the best tax planning tools in retirement. QCDs are available for"
YouTube Link 2025-02-25T15:00Z 15.4K followers, [----] engagements
"I bond yield expected to plummet I bonds have been one of the hottest topics in personal finance since November [----]. The interest rate is tied to a measure of inflation that resets every [--] months. In May [----] the interest rate surged to a jaw dropping 9.62%. However the Federal Reserve has been working to cool the economy off in an effort to bring inflation down. Those efforts have been working. As a result inflation has eased and when the I bond rate resets in May [----] it's expected to be around 3.8%. By comparison brokered CDs and Treasury bills look more attractive. Related videos: How to"
YouTube Link 2023-04-20T18:37Z 15.4K followers, [---] engagements
"Market signals T Bill & CD rates are going to fall Most T Bill and brokered CD investors gravitate toward short maturities typically a year or less. But if you thought there was a fair chance that interest rates were about to fall you'd want to buy longer maturities to lock in a higher rate. One key recession indicator which is flashing bright red has historically also been a consistent signal for falling interest rates. In this video we talk about the indicator and how investors can position a CD or Treasury portfolio for both rising and falling interest rates. My professional focus is"
YouTube Link 2022-12-07T12:00Z 15.1K followers, [----] engagements
"Using cost basis to maximize tax free retirement cash flow People that work for large public companies often accumulate large amounts of their employers stock. If someone works for a company for [--] or [--] years these stock holdings can easily exceed $1 million. This provides an opportunity to gradually divest that stock in retirement. Further if the planning is done right it could create a temporary income stream of $15k per month $20k per month or even more. One of the key factors that determines the size of the potential tax-free cash flow is cost basis. The higher your cost basis is as a"
YouTube Link 2025-02-18T13:00Z 15.4K followers, [----] engagements
"2023 - How to buy treasury bills on Fidelity Short-term treasury bills (or bonds) are now yielding over 5%. This is the highest level in [--] years. In this video I'll walk you through the steps of buying US treasury bills through Fidelity. Fidelity does not charge any fees or commissions if you purchase T-bills online. The other nice thing about treasurys is the interest earned is state income tax free. If you're unsure about treasurys brokered CDs are a little simpler and I created a separate video showing how to purchase them on Fidelity's platform: https://youtu.be/gziEzw2BI1c Also related"
YouTube Link 2023-02-28T20:09Z 15.4K followers, 40.5K engagements
"Tips for including grandchildren in your estate plan People often include grandkids or other family members in their estate plan. However as the number of heirs increases so too does the administrative burden of disbursing an estate when the time comes. In this video we'll cover tips for keeping things simple while taking into account the tax implications of different kinds of assets. Related video: https://youtu.be/sY23GqUPsN4si=TWflQLY4zdxyCgCg 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for"
YouTube Link 2026-01-17T18:48Z 15.4K followers, [---] engagements
"Why does the Federal Reserve (the Fed) buy bonds What does it mean when the Federal Reserve (the Fed) is buying bonds There isn't just one answer. The Federal Reserve will purchase bonds for different reasons. In this video I explain why the Fed will purchase bonds during periods of financial turmoil. Quantitative easing (or QE) is a related topic but differs from the Fed acting as a buyer of last resort during a financial panic. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota"
YouTube Link 2021-10-21T17:22Z 12.7K followers, [----] engagements
"Avoid the ESTIMATED TAX roller coaster in retirement One of the biggest headaches for many retirees is dealing with quarterly estimated taxes. Many people experience variable income in retirement due to capital gains from stock or real estate sales. Deferred compensation vesting restricted stock and stock options are also common culprits. The problem with short term spikes in income is they can also result in an estimated tax roller where one year someone is paying little to no estimated taxes and the next year their tax preparer tells them to pay huge estimated taxes. This happens because of"
YouTube Link 2025-07-29T01:30Z 15.4K followers, [----] engagements
"Can I lose money on brokered CDs or T bills With short term interest rates surging in [----] individual investors having been jumping into securities like brokered CDs and Treasury bills. But interest rates have continued to trend higher throughout the year. This has created paper losses (or unrealized losses) for individuals that bought CDs or Treasurys earlier in the year. It's confusing to many people. How can my statement show a loss on something that is FDIC insured In this video I explain the mechanics of changing interest rates and the associated effect on the MARKET PRICE of brokered"
YouTube Link 2022-11-25T11:00Z 15.1K followers, 13K engagements
"How to report a qualified charitable distribution on tax return Qualified charitable distributions (also known as QCD) are great for both charitable giving and tax planning. However people are often surprised that financial firms (i.e. Fidelity Schwab Vanguard Morgan Stanley etc.) do not specifically code for these transactions on 1099R tax forms. In otherwords a QCD looks like a regular TAXABLE IRA withdrawal on a 1099R. It is up to the taxpayer to tell the IRS on your form [----] how much of your IRA withdrawal is taxable. In this video we walk through the simple instructions for reporting a"
YouTube Link 2023-05-16T18:00Z 15.4K followers, [----] engagements
"NEW - HOW SOCIAL SECURITY IS TAXED with examples 💡Update - The "One Big Beautiful Bill" that was passed in [----] did not change how Social Security is taxed. The new law does create an additional $6000 deduction ($12000 for joint filers) for people [--] and over which applies to all types of income including Social Security (the extra deduction is subject to income limits however). This additional deduction is scheduled to expire at the end of [----]. Here's a video on this: https://youtu.be/dg_ZPQokTyosi=CRsf8jSqTFbW6Zex New retirees often ask one of the following questions: Are Social Security"
YouTube Link 2024-10-09T11:00Z 15.4K followers, 326.7K engagements
"2025 is THE YEAR for charitable deduction tax planning The [----] tax law known as the One Big Beautiful Bill Act contained a number of changes that affect the deductibility of charitable gifts. These changes essentially place limits on the tax benefits of charitable giving. In this video we cover two of the new rules that will particularly impact high income taxpayers. Importantly these new rules don't take effect until [----] so there is still time for those to maximize the impact of tax planning around charitable giving in [----]. Here is a related video on donor advised funds:"
YouTube Link 2025-11-13T20:18Z 15.4K followers, [----] engagements
"Overlooked Risk of Delaying a Pension There can be good reasons for delaying a pension. Sometimes people are working past full retirement age. In other cases capturing generous deferral credits can be an effective retirement planning strategy. However this strategy can create an overlooked risk. What happens if you die before you ever start drawing your pension Many corporate pension plans state that if a worker dies before starting benefits their surviving spouse will only be entitled to 50% of what the worker would have received. This risk can be protected against with planning. But"
YouTube Link 2025-08-26T17:26Z 15.4K followers, [---] engagements
"New special RMD election for surviving spouses The SECURE Act [---] passed in late [----] contains a lot of changes to the retirement system. One of the new rules will allow surviving spouses to maintain the same required minimum distribution "clock" on inherited IRAs as their late spouse. For example imagine a husband (age 75) and wife (age 65). Assume wife dies and husband inherits her IRA. Under the new rule which comes into effect in [----] the husband will be able to defer required minimum distributions until the year in-which his WIFE would-have been subject to RMDs. In this example it would"
YouTube Link 2023-01-17T21:00Z 15.4K followers, [---] engagements
"REDUCE taxes on BIG withdrawal from INHERITED IRA In this video I demonstrate a simple approach for limiting the tax hit if you're taking a large withdrawal from an inherited IRA. Most inherited IRAs are comprised of pre-tax money. When you take a withdrawal you also have to pay taxes. This may not be an issue if the IRA is relatively small. But what if the retirement account is $100k $200k or $500k+ A simple strategy for limiting the tax hit is spreading the tax hit out over multiple tax years. If timed correctly a sizeable amount of money can be withdrawn within [--] months while spreading"
YouTube Link 2023-07-27T18:56Z 15.4K followers, 11.3K engagements
"New "SUPER" 401k & 403b maximum for people 60-63 A new provision from the retirement law passed by congress will take effect in [----]. It has been nicknamed the SUPER CATCHUP contribution which applies to 401k 403b and [---] plans. The new rule effects people who will be ages [--] [--] [--] or [--]. It allows them to save more into their retirement plan. What's a bit counterintuitive is once a person turns age [--] the amount they can contribute declines. We break it down in this video. 401k catchup 401k catch up super catchup super catch up 403b catch up 401k catchup 401k catch up super catchup super"
YouTube Link 2024-11-20T15:01Z 15.4K followers, [----] engagements
"Rising interest rates may put a wall in front of stocks One of the most common methods for measuring the attractiveness of stocks is by comparing the earnings yield against long-term interest rates on government bonds. (The difference between these two is called the equity risk premium.) Theoretically investors should demand a higher potential return for taking additional investment risk. Because of this the earnings yield on stocks has historically been higher than interest rates on government bonds. But occasionally long-term interest rates will offer a higher GUARANTEED return than the"
YouTube Link 2023-09-19T16:47Z 15.4K followers, [---] engagements
"FDIC shuts down SVB. Classic RUN ON THE BANK Today FDIC took control SVB Financial. It counts as the second largest bank failure in US history. The culprit basically comes down to rising interest rates. Rising rates are causing stress in the financial system. Consumers are shifting money away from banks to earn a higher yield in money market instruments high yield savings and bonds. Additionally asset prices are taking a hit as financial conditions tighten which means bank balance sheets are under pressure. This combination led a to a classic run on the bank as depositers pulled their money"
YouTube Link 2023-03-10T22:12Z 15.4K followers, [---] engagements
"Tax wise beneficiary elections When it comes to estate planning understanding that different types of assets receive different tax treatment is important. Some assets can pass on to heirs with effectively no income taxes. In contrast other assets like pre-tax IRAs or 401ks are FULLY taxable to heirs (as they withdraw the money). If you have at least a general sense of the financial situation of your heirs being strategic with your beneficiary elections can save them taxes and maximize what ultimately passes on. Check out this related video for a tip on cleaning up your estate 👉"
YouTube Link 2025-08-12T11:09Z 15.4K followers, [---] engagements
"Big COLA for Social Security coming in [----] As the monthly inflation data rolls in we're setting up for the largest Social Security cost of living adjustment in [--] years. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/ This has been prepared solely for informational purposes. Information herein is not intended to be complete"
YouTube Link 2022-09-21T11:00Z 15.2K followers, [---] engagements
"Retirement Tips for Target Corp. Employees If you were recently laid off by Target Corp. or are still there and thinking about retiring here are a some tips to be thinking about for your planning. We'll touch on the Executive Deferred Compensation Plan (EDCP) Target 401k and pensions (Target Traditional Pension Plan and Personal Pension account). 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/"
YouTube Link 2025-11-05T17:25Z 15.4K followers, [---] engagements
"Easily increase FDIC coverage in one account - brokered CDs With interest rates surging in [----] certificates of deposit suddenly look attractive again. What if you'd like to buy more than $250000 How can you increase your FDIC coverage without going to multiple banks and establishing multiple accounts. Brokered CDs are a great solution to efficiently purchase over $250000 of CDs from different banks all within one account. Related videos: How to buy brokered CDs on Fidelity: https://youtu.be/gziEzw2BI1c Can I lose money on brokered CDs or government bonds: https://youtu.be/_EQmTX3_RmI My"
YouTube Link 2022-11-21T20:09Z 15.3K followers, [----] engagements
"Planning for One Off Expenses in Retirement Arguably the most important number to figure out for a retirement plan is how much cash flow you need every month. This should be an all-inclusive number that accounts for not only your basic living expenses but also discretionary spending for enjoying life (entertainment hobbies etc.). It should also include some allotment for one-off expenses like major home and auto repairs medical expenses and the random things that come up in life. People often dont think about this in their planning or have a difficult time estimating how much to budget for"
YouTube Link 2026-02-11T20:10Z 15.4K followers, [---] engagements
"The Federal Reserve balance sheet explained Bond buying (and selling) is one of the primary tactics the Fed uses to influence the broader economy. The Fed balance sheet is basically an accounting of these activities. It provides analysts and investors some insight into the scale of the Fed's actions. Related videos: 👇 🤔Fed bond buying explained - concept and mechanics of QE: https://youtu.be/KD6H0EgNwqY 🤔Why does the Fed buy bonds - explained: https://youtu.be/lKW0t23Is2Y My professional focus is tax efficient retirement planning for people 55+. Please visit our website or reach out for a"
YouTube Link 2022-05-04T11:00Z 15.4K followers, 20.1K engagements
"New tax trap for people 65+ in Big Beautiful Bill One of the most popular parts of the new tax law known as the One Big Beautiful Bill Act is the Senior Bonus Deduction. This basically gives individuals age 65+ an additional $6000 tax deduction ($12000 for married filers). However this new deduction phases out over certain income limits. The phaseout inadvertently creates an artificially high tax rate for those with incomes that fall within a specific range. We break down the mechanics in this video. Related video ➡ https://youtu.be/dg_ZPQokTyosi=zTzV9ACmcRaaQn2I 👉 My professional focus is"
YouTube Link 2025-12-29T18:58Z 15.4K followers, 49.6K engagements
"How the Big Beautiful Bill Impacts Taxes on Social Security During the [----] presidential campaign there was discussion of eliminating taxes on Social Security. However this didn't make it into the "One Big Beautiful Bill Act." Instead a new provision being referred to as "the senior bonus deduction" was included in the new tax law as a compromise. In this video we explain these key changes and how they affect taxes on Social Security benefits. Here's a link to the free resource: https://www.norrislakeretirement.com/free-resources/ 👉 My professional focus is retirement planning for"
YouTube Link 2025-07-12T18:43Z 15.4K followers, [----] engagements
"3 SIMPLE capital gains tax strategies When capital gains are pushing your income up there are a number of simple strategies to offset that extra income. I see people overlook some of these basic approaches regularly. I routinely use three strategies to reduce and sometimes eliminate the tax bill generated by capital gains. They include spreading the gains across multiple tax years (to manage tax brackets) fully utilize deductible vehicles like IRAs and H.S.A.s and finally charitable giving specifically with donor advised funds which I find to be one of the most versatile tax planning tools."
YouTube Link 2025-12-16T13:28Z 15.4K followers, [----] engagements
"Top [--] new tax deductions for retirees in the Big Beautiful Bill As the first tax season gets underway since the One Big Beautiful Bill Act was passed in [----] I want to highlight what I think are the top [--] new deductions that are most likely to impact retirees. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/ https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/"
YouTube Link 2026-01-29T16:32Z 15.4K followers, [----] engagements
"Why did Russia Raise Interest Rates to [--] percent A basic explanation of the effects of sanctions. The western world has placed unprecedented sanctions on the Russian economy and financial system. This has resulted in a collapse of the Russian currency and spikes in interest rates. Here's a high-level discussion of the effect of economic and financial sanctions on Russia. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/"
YouTube Link 2022-02-28T22:05Z 15.3K followers, [---] engagements
"Capital gains tax traps for people 65+ Long term capital gains get special tax treatment in the tax code. Gains can be taxed at 0% if a taxpayers income is low enough. However capital gains increase a taxpayers gross income. This creates numerous tax traps for retirees or people age [--] and above. When gross income increases it can increase ones Medicare premiums (via IRMAA) and increase the amount of Social Security benefits subject to tax. It can also reduce or eliminate ones eligibility to take tax deductions such as the new Senior Bonus Deduction that was part of the [----] tax law known as"
YouTube Link 2025-10-29T13:30Z 15.4K followers, 13.7K engagements
"NEW - Can Capital Gains Push Me Into a Higher Tax Bracket Long term capital gains get special treatment in the tax code. However this special treatment tends to generate questions such as will capital gains push me into a higher tax bracket Or what happens if my capital gain goes over the 0% rate threshold This is a relatively technical subject that requires some foundational knowledge. We tackle it in this video with a few examples of how the ordering rules dictate the tax rate(s) when a taxpayer has multiple types of income. If you have a capital gain in excess of $200000 make sure you're"
YouTube Link 2024-03-06T17:36Z 15.4K followers, 333.1K engagements
"Shift INHERITED IRA to your 401k - TAX FREE Since a new law came into effect in [----] IRAs inherited from a non-spouse have been subject to less favorable rules. Notably the new law says these accounts must be withdrawn within 10-years (with a few exceptions) Notably the majority of inherited IRAs are comprised of pre-tax dollars which means any distribution will increase a tax-payers income. Some people would rather defer the taxes because they may be still working and already paying a high marginal tax rate. One strategy for deferring the tax bill is INDIRECTLY shifting dollars from the"
YouTube Link 2024-05-05T01:08Z 15.4K followers, [----] engagements
"Understanding corporate stock buybacks.are they good bad or neither The topic of stock buybacks has increasingly found its way into political discussions. Some politicians have even suggested banning companies from buying back their own stocks. In this video we discuss what corporate buybacks are why companies do them and whether or not they are good or bad"
YouTube Link 2020-06-22T16:41Z 12.6K followers, [--] engagements
"Getting Around T Bill minimums on Fidelity The most common question I get about buying treasury bills (or T-bills) through Fidelity is about minimum purchases. "Can I buy a treasury if there is a large minimum purchase" In most cases you can buy the bond but it will be at a slighly lower interest rate. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com"
YouTube Link 2023-07-31T20:13Z 15.4K followers, [----] engagements
"Brokered CDs usually offer the highest rates. Here's what to know. Short-term interest rates have surged in [----] but banks have been very slow to adjust the rates on savings accounts and certificates of deposit (CDs). However if you know where to look you can find CDs yielding nearly the same rate as short-term government bonds which are approaching 5% as of this recording. Today we're talking about brokered CDs and the key things you need to know. Related video.Can I lose money on brokered CDs https://youtu.be/_EQmTX3_RmI Related video.How to purchase brokered CDs with Fidelity:"
YouTube Link 2022-11-09T12:00Z 11.2K followers, 10.6K engagements
"US Treasury yields rise and send recession warning Treasury yields continue to rise but the increase is faster on the short-end of the yield curve. This has caused the curve to flatten and actually start to invert which is a classic recession indicator. A short discussion on Treasurys and the yield curve. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/"
YouTube Link 2022-03-30T22:34Z 11.1K followers, [---] engagements
"3 Risks for Unmarried Couples in Retirement www.norrislakeretirement.com Especially later in life it's not uncommon for couples to forgo marriage. Members of the couple may have children from prior relationships or other factors that make getting married more complicated than someone who is just getting started in life. The problem is in the event of death a surviving person of an unmarried couple could easily find themselves in a financial bind and potentially without a place to live. The laws that are in-place to provide rights and protections to spouses in a legal marriage by-in-large do"
YouTube Link 2024-06-13T15:00Z 15.4K followers, [----] engagements
"Fed bond buying explained - concept and mechanics of quantitative easing This week the Fed (Federal Reserve) announced it will begin to taper its bond purchases. To understand the significance you need to comprehend how bond purchases affect interest rates. A simple explanation of the mechanics of bond buying quantitative easing and quantitative tightening. My professional focus is tax efficient retirement planning for individuals age 55+. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com"
YouTube Link 2021-11-05T18:14Z 12K followers, 12.5K engagements
"Retiring on $120k+ of TAX FREE capital gains Most public companies pay their employees at least partially in stock via options grants restricted stock etc. When people work for fast growing companies that simultaneously experience rapid stock price appreciation they could easily end up with stock holdings in the six or seven figures. This puts them in a strong position to implement a very tax efficient retirement planning strategy of gradually selling stock living off the proceeds and paying NO FEDERAL INCOME TAX (as long as the planning is done right). In this video we review an example of a"
YouTube Link 2025-01-21T18:05Z 15.4K followers, [----] engagements
"Overlooked tax free retirement income If Social Security is your primary source of retirement income you may be paying no federal income tax. Retirees in these situations often don't realize they could take additional income completely tax free. This extra income could be used for increased spending or tax and estate planning strategies such as Roth conversions. Related video 👉 HOW SOCIAL SECURITY BENEFITS ARE TAXED: https://youtu.be/cbiAtETn_TAsi=oq2TKxaLfqPOwSxi 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation."
YouTube Link 2024-11-06T18:00Z 15.4K followers, 25.2K engagements
"Tax planning with aging parents to minimize taxes for beneficiaries of retirement accounts Many aging retirees have retirement savings they never intend to spend. Most often the dollars are ultimately destined to their children. If a retiree has very low taxable income there often is an opportunity to withdraw pre-tax retirement savings at a 0% tax rate. The strategy is generally a win-win for everyone (the account owner and heirs). Ted Erhart CFP Financial Planner Anoka Minnesota https://www.youtube.com/c/TedErhartCFP https://twitter.com/erhart_ted"
YouTube Link 2022-01-11T12:00Z 11.6K followers, [---] engagements
"2023 - How to redeem I Bonds step by step Interest rates have moved significantly in [----]. As a result other savings vehicles such as treasury bills and treasury inflation protected securites (also known as TIPS) look more attractive. In this video we cover the step by step process for selling/redeeming I bonds. 👉 Related video - TIPS look better than I Bonds. https://youtu.be/8mfimUy6orMsi=RNQG_TDs9Wq7VyRM 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP"
YouTube Link 2023-10-10T17:00Z 15.4K followers, [----] engagements
"Can long term capital gains push me into a higher tax bracket Long-term capital gains often bring up a lot of questions like "Will capital gains push my ordinary income into a higher tax bracket" Taxpayers also often wonder what happens if their capital gain is slightly higher than the 0% tax bracket threshold. Is the entire gain taxed at the higher rate or just the amount that is over the 0% bracket We tackle those questions with illustrations in this discussion. Link to video referenced at 0:48 https://www.youtube.com/watchv=4o9CcGG2cKg My professional focus is tax efficient retirement"
YouTube Link 2021-12-14T11:00Z 11.6K followers, 25.5K engagements
"Looking for a return on cash How about US savings bonds at 9.62%.no joke Check out https://www.treasurydirect.gov/tdhome.htm for more information. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/"
YouTube Link 2022-05-03T20:25Z 11.9K followers, [--] engagements
"Cryptocurrency - Part III - Is this investing or speculating Many people compare the cryptocurrency situation to the dot.com bubble in the late 90s. One thing that differs is cryptocurrencies themselves are not businesses they are much more like commodities in the sense that they have no intrinsic value. Join our last discussion on this subject as we come at it from an investing perspective"
YouTube Link 2021-07-21T19:48Z 11.3K followers, [--] engagements
"Looking for a return on cash US Treasurys are starting to look interesting. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook https://www.trottbrook.com/"
YouTube Link 2022-03-18T16:35Z 11.2K followers, [---] engagements
"Minimizing taxes on inherited IRA Since the [----] law change if you inherit an IRA from someone who is not your spouse you have [--] years to withdraw the funds. But most IRAs are comprised of pre-tax dollars. This means that when you take a withdrawal you generally have to pay taxes. Especially for those who have the ability to control their income good planning can result in paying a much lower tax rate. A FEW NOTES - I noticed one error in my tax table after recording. In the 12% bracket for married filers the first figure should be $22000 (vs. $20000). Additionally don't forget about state"
YouTube Link 2023-05-08T15:45Z 15.4K followers, 22.2K engagements
"Retirement strategy for Graco employees - NET UNREALIZED APPRECIATION If youve worked for Minneapolis based Graco for many years youre likely in a good position to take advantage of a somewhat arcane rule in the tax code known as NET UNREALIZED APPRECIATION. This approach is available to people who own company stock within a retirement plan (401k ESOP etc.). The rule provides a mechanism for getting the company stock out of the retirement plan which usually results in much more favorable tax treatment and control. 👉 My professional focus is retirement planning for individuals age 55+. Please"
YouTube Link 2024-05-13T18:10Z 15.4K followers, [---] engagements
"Interest rates fall Last chance for 5% CDs Fear of financial contagion has resulted in a big shift from riskier assets like stocks to safe-havens such as government bonds and cash.This has pushed interest rates down significantly. In-fact the 2-year US Treasury broke above 5% less than two weeks ago. Days later it sunk below 4% as fear gripped the financial markets. Many investors feel like they missed out on a rate that hadn't been seen for [--] years. However the rates on brokered CDs have not been as quick to change. As of this recording on March [--] [----] despite Treasury yields being in the"
YouTube Link 2023-03-18T16:18Z 15.4K followers, [----] engagements
"Opportunity for cash - Huge move in short-term interest rates For most of [----] US Treasurys have yielded significantly more than comparable bank products like CDs. The spread is the widest I've seen and looks like an interesting opportunity. The US economy appears to have contracted again in Q2 [----]. Two quarters of negative GDP growth are usually the definition of a recession. Yet by most measures the economy is still very strong. How can the economy be contracting with the unemployment level near [--] year lows One explanation for this is the way GDP is calculated.specifically the fact that"
YouTube Link 2022-09-14T11:00Z 11.5K followers, [---] engagements
"How to calculate tax withholding in retirement How much tax to withhold from your retirement income sources is common question. It's confusing because most tax payers pay a blended tax rate and deductions also make things fuzzy. This video describes how you can calculate your actual tax rate and translate that into the correct withholding amount from IRA distributions Social Security and pensions. And yes those are my kids screaming for me at the very end."DAD" LOL. 😆 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a"
YouTube Link 2024-12-23T13:27Z 15.4K followers, 23.8K engagements
"Use excess cash savings to maximize your tax-free investment holdings If you have excess cash savings that you're looking to put to work counter-intuitively using that cash to pay income taxes on Roth conversions may be a very good opportunity to maximize your tax free investment holdings. My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/ https://www.facebook.com/TrottBrook"
YouTube Link 2022-05-17T10:56Z 11.6K followers, [---] engagements
"Planning for One Off Expenses in Retirement Arguably the most important number to figure out for a retirement plan is how much cash flow you need every month. This should be an all-inclusive number that accounts for not only your basic living expenses but also discretionary spending for enjoying life (entertainment hobbies etc.). It should also include some allotment for one-off expenses like major home and auto repairs medical expenses and the random things that come up in life. People often dont think about this in their planning or have a difficult time estimating how much to budget for"
YouTube Link 2026-02-11T20:10Z 15.4K followers, [---] engagements
"Top [--] new tax deductions for retirees in the Big Beautiful Bill As the first tax season gets underway since the One Big Beautiful Bill Act was passed in [----] I want to highlight what I think are the top [--] new deductions that are most likely to impact retirees. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/ https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/"
YouTube Link 2026-01-29T16:32Z 15.4K followers, [----] engagements
"Tips for including grandchildren in your estate plan People often include grandkids or other family members in their estate plan. However as the number of heirs increases so too does the administrative burden of disbursing an estate when the time comes. In this video we'll cover tips for keeping things simple while taking into account the tax implications of different kinds of assets. Related video: https://youtu.be/sY23GqUPsN4si=TWflQLY4zdxyCgCg 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for"
YouTube Link 2026-01-17T18:48Z 15.4K followers, [---] engagements
"New 0% capital gains opportunity in Big Beautiful Bill for 65+ The One Big Beautiful Bill Act of [----] provides taxpayers age 65+ with additional tax deductions (subject to income limits). What's become known as the "senior bonus deduction" expands the opportunity for some people to take long-term capital gains at a 0% tax rate. I break it down in this video. 💡IMPORTANT - AS EMPHASIZED IN THE VIDEO IF YOU HAVE ANY OTHER SOURCES OF INCOME (SOCIAL SECURITY WAGES INTEREST ETC.) IT WILL REDUCE YOUR ABILITY TO TAKE CAPITAL GAINS AT THE 0% RATE. WORK WITH A TAX PROFESSIONAL TO MAKE SURE YOU GET THE"
YouTube Link 2026-01-07T20:26Z 15.4K followers, 144.1K engagements
"New tax trap for people 65+ in Big Beautiful Bill One of the most popular parts of the new tax law known as the One Big Beautiful Bill Act is the Senior Bonus Deduction. This basically gives individuals age 65+ an additional $6000 tax deduction ($12000 for married filers). However this new deduction phases out over certain income limits. The phaseout inadvertently creates an artificially high tax rate for those with incomes that fall within a specific range. We break down the mechanics in this video. Related video ➡ https://youtu.be/dg_ZPQokTyosi=zTzV9ACmcRaaQn2I 👉 My professional focus is"
YouTube Link 2025-12-29T18:58Z 15.4K followers, 49.6K engagements
"3 SIMPLE capital gains tax strategies When capital gains are pushing your income up there are a number of simple strategies to offset that extra income. I see people overlook some of these basic approaches regularly. I routinely use three strategies to reduce and sometimes eliminate the tax bill generated by capital gains. They include spreading the gains across multiple tax years (to manage tax brackets) fully utilize deductible vehicles like IRAs and H.S.A.s and finally charitable giving specifically with donor advised funds which I find to be one of the most versatile tax planning tools."
YouTube Link 2025-12-16T13:28Z 15.4K followers, [----] engagements
"2025 is THE YEAR for charitable deduction tax planning The [----] tax law known as the One Big Beautiful Bill Act contained a number of changes that affect the deductibility of charitable gifts. These changes essentially place limits on the tax benefits of charitable giving. In this video we cover two of the new rules that will particularly impact high income taxpayers. Importantly these new rules don't take effect until [----] so there is still time for those to maximize the impact of tax planning around charitable giving in [----]. Here is a related video on donor advised funds:"
YouTube Link 2025-11-13T20:18Z 15.4K followers, [----] engagements
"Retirement Tips for Target Corp. Employees If you were recently laid off by Target Corp. or are still there and thinking about retiring here are a some tips to be thinking about for your planning. We'll touch on the Executive Deferred Compensation Plan (EDCP) Target 401k and pensions (Target Traditional Pension Plan and Personal Pension account). 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota https://www.norrislakeretirement.com/"
YouTube Link 2025-11-05T17:25Z 15.4K followers, [---] engagements
"Capital gains tax traps for people 65+ Long term capital gains get special tax treatment in the tax code. Gains can be taxed at 0% if a taxpayers income is low enough. However capital gains increase a taxpayers gross income. This creates numerous tax traps for retirees or people age [--] and above. When gross income increases it can increase ones Medicare premiums (via IRMAA) and increase the amount of Social Security benefits subject to tax. It can also reduce or eliminate ones eligibility to take tax deductions such as the new Senior Bonus Deduction that was part of the [----] tax law known as"
YouTube Link 2025-10-29T13:30Z 15.4K followers, 13.7K engagements
"Overlooked Risk of Delaying a Pension There can be good reasons for delaying a pension. Sometimes people are working past full retirement age. In other cases capturing generous deferral credits can be an effective retirement planning strategy. However this strategy can create an overlooked risk. What happens if you die before you ever start drawing your pension Many corporate pension plans state that if a worker dies before starting benefits their surviving spouse will only be entitled to 50% of what the worker would have received. This risk can be protected against with planning. But"
YouTube Link 2025-08-26T17:26Z 15.4K followers, [---] engagements
"Tax wise beneficiary elections When it comes to estate planning understanding that different types of assets receive different tax treatment is important. Some assets can pass on to heirs with effectively no income taxes. In contrast other assets like pre-tax IRAs or 401ks are FULLY taxable to heirs (as they withdraw the money). If you have at least a general sense of the financial situation of your heirs being strategic with your beneficiary elections can save them taxes and maximize what ultimately passes on. Check out this related video for a tip on cleaning up your estate 👉"
YouTube Link 2025-08-12T11:09Z 15.4K followers, [---] engagements
"Avoid the ESTIMATED TAX roller coaster in retirement One of the biggest headaches for many retirees is dealing with quarterly estimated taxes. Many people experience variable income in retirement due to capital gains from stock or real estate sales. Deferred compensation vesting restricted stock and stock options are also common culprits. The problem with short term spikes in income is they can also result in an estimated tax roller where one year someone is paying little to no estimated taxes and the next year their tax preparer tells them to pay huge estimated taxes. This happens because of"
YouTube Link 2025-07-29T01:30Z 15.4K followers, [----] engagements
"How the Big Beautiful Bill Impacts Taxes on Social Security During the [----] presidential campaign there was discussion of eliminating taxes on Social Security. However this didn't make it into the "One Big Beautiful Bill Act." Instead a new provision being referred to as "the senior bonus deduction" was included in the new tax law as a compromise. In this video we explain these key changes and how they affect taxes on Social Security benefits. Here's a link to the free resource: https://www.norrislakeretirement.com/free-resources/ 👉 My professional focus is retirement planning for"
YouTube Link 2025-07-12T18:43Z 15.4K followers, [----] engagements
"TOP tax reduction strategy in retirement - QCDs Many retirees like to give to charity. ALL retirees like to avoid Medicare premium surcharges a.k.a. IRMAA. Fortunately there is a special rule in the tax code that helps with both. It's generally known as QUALIFIED CHARITABLE DISTRIBUTION. In this video we discuss how QCDs work including how they can reduce your gross income AND taxable income. Reducing one's gross income helps avoid Medicare surcharges and reducing taxable income lowers your over-all tax bill. This is one of the best tax planning tools in retirement. QCDs are available for"
YouTube Link 2025-02-25T15:00Z 15.4K followers, [----] engagements
"Using cost basis to maximize tax free retirement cash flow People that work for large public companies often accumulate large amounts of their employers stock. If someone works for a company for [--] or [--] years these stock holdings can easily exceed $1 million. This provides an opportunity to gradually divest that stock in retirement. Further if the planning is done right it could create a temporary income stream of $15k per month $20k per month or even more. One of the key factors that determines the size of the potential tax-free cash flow is cost basis. The higher your cost basis is as a"
YouTube Link 2025-02-18T13:00Z 15.4K followers, [----] engagements
"Retiring on $120k+ of TAX FREE capital gains Most public companies pay their employees at least partially in stock via options grants restricted stock etc. When people work for fast growing companies that simultaneously experience rapid stock price appreciation they could easily end up with stock holdings in the six or seven figures. This puts them in a strong position to implement a very tax efficient retirement planning strategy of gradually selling stock living off the proceeds and paying NO FEDERAL INCOME TAX (as long as the planning is done right). In this video we review an example of a"
YouTube Link 2025-01-21T18:05Z 15.4K followers, [----] engagements
"Top year-end tax planning tool - DONOR ADVISED FUNDS One of the most flexible tax planning tools is a donor advised fund. These accounts allow individuals to create tax deductions to a specific dollar amount which can be very handy if you're trying to keep your income below certain thresholds or offset irregular income such as capital gains. In this video we illustrate a tax planning case that reduces the client's tax bill by about $12500. The example was inspired by a real world case. Related videos: ✅ How capital gains affect your tax rate: https://youtu.be/xKI2UufBLuIsi=eDr4eoEQWswqPmQT ✅"
YouTube Link 2024-12-30T18:05Z 15.4K followers, [----] engagements
"How to calculate tax withholding in retirement How much tax to withhold from your retirement income sources is common question. It's confusing because most tax payers pay a blended tax rate and deductions also make things fuzzy. This video describes how you can calculate your actual tax rate and translate that into the correct withholding amount from IRA distributions Social Security and pensions. And yes those are my kids screaming for me at the very end."DAD" LOL. 😆 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a"
YouTube Link 2024-12-23T13:27Z 15.4K followers, 23.8K engagements
"Do I have to pay off my house before I retire People regularly ask me some version of the following question "Do I need to have my mortgage paid off before I can retire" Going into retirement debt free certainly helps but it is not a requirement. Looking at my own retired clients approximately 40% still have a monthly mortgage payment. What matters most is whether you have enough cash flow to cover all of your living expenses including debt. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation. Thanks for watching 😀"
YouTube Link 2024-12-04T15:00Z 15.4K followers, [----] engagements
"New "SUPER" 401k & 403b maximum for people 60-63 A new provision from the retirement law passed by congress will take effect in [----]. It has been nicknamed the SUPER CATCHUP contribution which applies to 401k 403b and [---] plans. The new rule effects people who will be ages [--] [--] [--] or [--]. It allows them to save more into their retirement plan. What's a bit counterintuitive is once a person turns age [--] the amount they can contribute declines. We break it down in this video. 401k catchup 401k catch up super catchup super catch up 403b catch up 401k catchup 401k catch up super catchup super"
YouTube Link 2024-11-20T15:01Z 15.4K followers, [----] engagements
"Overlooked tax free retirement income If Social Security is your primary source of retirement income you may be paying no federal income tax. Retirees in these situations often don't realize they could take additional income completely tax free. This extra income could be used for increased spending or tax and estate planning strategies such as Roth conversions. Related video 👉 HOW SOCIAL SECURITY BENEFITS ARE TAXED: https://youtu.be/cbiAtETn_TAsi=oq2TKxaLfqPOwSxi 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a conversation."
YouTube Link 2024-11-06T18:00Z 15.4K followers, 25.2K engagements
"Will lower income hurt my Social Security Some people prefer to coast into retirement by working part time for period. A common question that arises is "Will taking a big pay cut hurt my Social Security benefits" The short answer is lower income will never negatively impact the benefits you have already earned. But it's important to understand that Social Security is based on your highest [--] years of income. In this video we talk about a few additional things to think about if you have less than [--] years of earnings and are the primary income earner in a household. 👉 My professional focus is"
YouTube Link 2024-10-23T12:33Z 15.4K followers, [----] engagements
"NEW - HOW SOCIAL SECURITY IS TAXED with examples 💡Update - The "One Big Beautiful Bill" that was passed in [----] did not change how Social Security is taxed. The new law does create an additional $6000 deduction ($12000 for joint filers) for people [--] and over which applies to all types of income including Social Security (the extra deduction is subject to income limits however). This additional deduction is scheduled to expire at the end of [----]. Here's a video on this: https://youtu.be/dg_ZPQokTyosi=CRsf8jSqTFbW6Zex New retirees often ask one of the following questions: Are Social Security"
YouTube Link 2024-10-09T11:00Z 15.4K followers, 326.7K engagements
"Eliminate this HASSLE from your estate I've helped many clients with inheritances. Frequently part of their inheritance will include small amounts of directly held stock that is administered by companies such as Computershare EQ Shareowner Servcices Continental Stock Transfer Broadridge or Vstock Transfer. Unfortunately these companies often require adminstrative processes that take a lot of time and sometimes out-of-pockets costs. Examples include requirements for Medallion Signature Guarantees or original stock certificates that families may not be able to locate. Often times it is best for"
YouTube Link 2024-09-24T14:05Z 15.4K followers, [----] engagements
"How capital gains affect taxes on Social Security Will capital gains make my Social Security benefits taxable This is a common question among retirees. If a retiree's income is low enough Social Security benefits are not taxed. Similarly capital gains can be taxed at 0% if one's income is below certain thresholds. What's confusing is the taxation of Social Security depends on how much other income (including capital gains) you have and vice versa. This relationship can create a tax trap for unknowing retirees. In this video we discuss how capital gains impact the taxation of Social Security"
YouTube Link 2024-09-11T16:28Z 15.4K followers, 44.5K engagements
"3 Risks for Unmarried Couples in Retirement www.norrislakeretirement.com Especially later in life it's not uncommon for couples to forgo marriage. Members of the couple may have children from prior relationships or other factors that make getting married more complicated than someone who is just getting started in life. The problem is in the event of death a surviving person of an unmarried couple could easily find themselves in a financial bind and potentially without a place to live. The laws that are in-place to provide rights and protections to spouses in a legal marriage by-in-large do"
YouTube Link 2024-06-13T15:00Z 15.4K followers, [----] engagements
"Retirement strategy for Graco employees - NET UNREALIZED APPRECIATION If youve worked for Minneapolis based Graco for many years youre likely in a good position to take advantage of a somewhat arcane rule in the tax code known as NET UNREALIZED APPRECIATION. This approach is available to people who own company stock within a retirement plan (401k ESOP etc.). The rule provides a mechanism for getting the company stock out of the retirement plan which usually results in much more favorable tax treatment and control. 👉 My professional focus is retirement planning for individuals age 55+. Please"
YouTube Link 2024-05-13T18:10Z 15.4K followers, [---] engagements
"Shift INHERITED IRA to your 401k - TAX FREE Since a new law came into effect in [----] IRAs inherited from a non-spouse have been subject to less favorable rules. Notably the new law says these accounts must be withdrawn within 10-years (with a few exceptions) Notably the majority of inherited IRAs are comprised of pre-tax dollars which means any distribution will increase a tax-payers income. Some people would rather defer the taxes because they may be still working and already paying a high marginal tax rate. One strategy for deferring the tax bill is INDIRECTLY shifting dollars from the"
YouTube Link 2024-05-05T01:08Z 15.4K followers, [----] engagements
"NET INVESTMENT INCOME TAX explained with examples Large capital gains often are hit with an additional 3.8% tax known as the net investment income tax. In this video we talk about what the net investment income tax (NIIT) is and how it is calculated with different income combinations. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com https://www.linkedin.com/in/ted-erhart-cfp%C2%AE-4969939/"
YouTube Link 2024-03-11T15:45Z 15.4K followers, 44.8K engagements
"NEW - Can Capital Gains Push Me Into a Higher Tax Bracket Long term capital gains get special treatment in the tax code. However this special treatment tends to generate questions such as will capital gains push me into a higher tax bracket Or what happens if my capital gain goes over the 0% rate threshold This is a relatively technical subject that requires some foundational knowledge. We tackle it in this video with a few examples of how the ordering rules dictate the tax rate(s) when a taxpayer has multiple types of income. If you have a capital gain in excess of $200000 make sure you're"
YouTube Link 2024-03-06T17:36Z 15.4K followers, 333.1K engagements
"How big is a ROTH IRA if max funded for [--] years The annual contribution limit for Roth IRAs is relatively small at $6500 for people under age [--] in [----]. Some may understandably question whether it's worth it. The answer depends on how many years you have in front of you. But it is very possible too accumulate over $1 MILLION On top of that the money would be completely tax-free upon withdrawal and pass to your beneficiaries free of income tax (based on current law). In this video we illustrate the potential outcome of [--] years of max funding a Roth IRA. 👉 My professional focus is"
YouTube Link 2024-02-24T16:20Z 15.4K followers, 11K engagements
"3 SIGNALS SEND RECESSION WARNING Despite the economy plowing forward in [----] there are multiple indicators pointing to a slowdown. It's important for savers to understand that historically during recessions short-term interest rates fall significantly. Right now savers are enjoying the highest interest rates on CDs treasury bills and other short-term savings instruments. One method for protecting against falling interest rates is buying longer maturities which is what I've been doing with some of my personal savings in recent months. Related video 👉 I'm selling I-Bonds & Buying TIPS"
YouTube Link 2023-10-17T17:00Z 15.4K followers, [---] engagements
"2023 - How to redeem I Bonds step by step Interest rates have moved significantly in [----]. As a result other savings vehicles such as treasury bills and treasury inflation protected securites (also known as TIPS) look more attractive. In this video we cover the step by step process for selling/redeeming I bonds. 👉 Related video - TIPS look better than I Bonds. https://youtu.be/8mfimUy6orMsi=RNQG_TDs9Wq7VyRM 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP"
YouTube Link 2023-10-10T17:00Z 15.4K followers, [----] engagements
"TIPS look better than I Bonds Long-term interest rates have jumped to multi-decade highs as inflation remains elevated. One interesting development is the yield on TIPS also known as treasury inflation protected securities has jumped to one of the highest levels in the last [--] years. Investors can presently capture a real (after inflation) yield of 2-3%. This compares to I Bonds which are only paying inflation plus 0.9% as of this recording. For these reasons Ive been shifting some of my personal money from I Bonds to TIPS. Related video: Can I lose money on brokered CDs or government bonds"
YouTube Link 2023-09-26T14:30Z 15.4K followers, [----] engagements
"Rising interest rates may put a wall in front of stocks One of the most common methods for measuring the attractiveness of stocks is by comparing the earnings yield against long-term interest rates on government bonds. (The difference between these two is called the equity risk premium.) Theoretically investors should demand a higher potential return for taking additional investment risk. Because of this the earnings yield on stocks has historically been higher than interest rates on government bonds. But occasionally long-term interest rates will offer a higher GUARANTEED return than the"
YouTube Link 2023-09-19T16:47Z 15.4K followers, [---] engagements
"3 EASY ways to earn 5% on cash in [----] Cash is king in [----] Short-term interest rates are at the HIGHEST levels in [--] years. Yet a recent study suggested nearly 70% of Americans haven't done anything to take advantage of the big move. In this video I'll show you [--] EASY ways to earn around 5% on your cash with virtually no risk. We cover high yield savings CDs treasury bills and money markets. For more info check out these videos: 💰How to buy brokered CDs on Fidelity: https://youtu.be/gziEzw2BI1c 💰How to buy treasury bills on Fidelity: https://youtu.be/Ktt2_vvCfOA 👉 My professional focus is"
YouTube Link 2023-08-14T16:52Z 15.4K followers, [---] engagements
"Getting Around T Bill minimums on Fidelity The most common question I get about buying treasury bills (or T-bills) through Fidelity is about minimum purchases. "Can I buy a treasury if there is a large minimum purchase" In most cases you can buy the bond but it will be at a slighly lower interest rate. 👉 My professional focus is retirement planning for individuals age 55+. Please visit my website or reach out for a complimentary planning session. Thanks for watching 😀 Ted Erhart CFP Financial Planner Anoka Minnesota www.norrislakeretirement.com"
YouTube Link 2023-07-31T20:13Z 15.4K followers, [----] engagements
"REDUCE taxes on BIG withdrawal from INHERITED IRA In this video I demonstrate a simple approach for limiting the tax hit if you're taking a large withdrawal from an inherited IRA. Most inherited IRAs are comprised of pre-tax money. When you take a withdrawal you also have to pay taxes. This may not be an issue if the IRA is relatively small. But what if the retirement account is $100k $200k or $500k+ A simple strategy for limiting the tax hit is spreading the tax hit out over multiple tax years. If timed correctly a sizeable amount of money can be withdrawn within [--] months while spreading"
YouTube Link 2023-07-27T18:56Z 15.4K followers, 11.3K engagements
"How to report a qualified charitable distribution on tax return Qualified charitable distributions (also known as QCD) are great for both charitable giving and tax planning. However people are often surprised that financial firms (i.e. Fidelity Schwab Vanguard Morgan Stanley etc.) do not specifically code for these transactions on 1099R tax forms. In otherwords a QCD looks like a regular TAXABLE IRA withdrawal on a 1099R. It is up to the taxpayer to tell the IRS on your form [----] how much of your IRA withdrawal is taxable. In this video we walk through the simple instructions for reporting a"
YouTube Link 2023-05-16T18:00Z 15.4K followers, [----] engagements
"Minimizing taxes on inherited IRA Since the [----] law change if you inherit an IRA from someone who is not your spouse you have [--] years to withdraw the funds. But most IRAs are comprised of pre-tax dollars. This means that when you take a withdrawal you generally have to pay taxes. Especially for those who have the ability to control their income good planning can result in paying a much lower tax rate. A FEW NOTES - I noticed one error in my tax table after recording. In the 12% bracket for married filers the first figure should be $22000 (vs. $20000). Additionally don't forget about state"
YouTube Link 2023-05-08T15:45Z 15.4K followers, 22.2K engagements
"Falling diesel prices send recession warning Commodity prices often send signals about the direction of the economy. Both diesel and gasoline prices have fallen rapidly over the past six months. Many factors impact energy prices but shipping companies including UPS have said demand for freight has significantly waned which suggests consumers are pulling back on purchases of goods. WSJ article: https://www.wsj.com/articles/sliding-diesel-prices-signal-warning-for-u-s-economy-c6400724 My professional focus is tax efficient retirement planning for individuals over age [--]. Please visit our"
YouTube Link 2023-05-01T18:02Z 15.4K followers, [---] engagements
"I bond yield expected to plummet I bonds have been one of the hottest topics in personal finance since November [----]. The interest rate is tied to a measure of inflation that resets every [--] months. In May [----] the interest rate surged to a jaw dropping 9.62%. However the Federal Reserve has been working to cool the economy off in an effort to bring inflation down. Those efforts have been working. As a result inflation has eased and when the I bond rate resets in May [----] it's expected to be around 3.8%. By comparison brokered CDs and Treasury bills look more attractive. Related videos: How to"
YouTube Link 2023-04-20T18:37Z 15.4K followers, [---] engagements
"Mortgage rates - Worst in 20+ years Mortgage rates have dramatically increased since [----]. Based on a very strong historical relationship the 30-year fixed rate mortgage is about as poorly priced as it has been in 20+ years. Given the situation an adjustable rate mortgage is probably worth considering for home buyers presently. Related video 💡 Market signals interest rates are going to fall: https://youtu.be/ATh0LirjGYY Mortgage rates - Best in 20+ years (August 2021) 👉https://youtu.be/1PpUtA3qTj0 My professional focus is retirement planning for individuals over age [--]. Please visit our"
YouTube Link 2023-04-14T16:55Z 15.4K followers, [---] engagements
"Interest rates fall Last chance for 5% CDs Fear of financial contagion has resulted in a big shift from riskier assets like stocks to safe-havens such as government bonds and cash.This has pushed interest rates down significantly. In-fact the 2-year US Treasury broke above 5% less than two weeks ago. Days later it sunk below 4% as fear gripped the financial markets. Many investors feel like they missed out on a rate that hadn't been seen for [--] years. However the rates on brokered CDs have not been as quick to change. As of this recording on March [--] [----] despite Treasury yields being in the"
YouTube Link 2023-03-18T16:18Z 15.4K followers, [----] engagements
"FDIC shuts down SVB. Classic RUN ON THE BANK Today FDIC took control SVB Financial. It counts as the second largest bank failure in US history. The culprit basically comes down to rising interest rates. Rising rates are causing stress in the financial system. Consumers are shifting money away from banks to earn a higher yield in money market instruments high yield savings and bonds. Additionally asset prices are taking a hit as financial conditions tighten which means bank balance sheets are under pressure. This combination led a to a classic run on the bank as depositers pulled their money"
YouTube Link 2023-03-10T22:12Z 15.4K followers, [---] engagements
"Warren Buffett gets the last laugh.AGAIN Financial markets regularly swing from optimism to pessimism. Sometimes extreme optimism can reward speculators and make the prudent investor look out-of-touch. This has happened to Warren Buffett multiple times throughout his illustrious career. We saw it most recently in the 2020-2021 period which looked very similar to the 1999-2000 period. In both cases Buffett and his company Berkshire Hathaway ended up with the last laugh. Buffett Warren Buffett Berkshire Hathaway Buffett Warren Buffett Berkshire Hathaway"
YouTube Link 2023-03-08T20:00Z 15.4K followers, [---] engagements
"2023 - How to buy treasury bills on Fidelity Short-term treasury bills (or bonds) are now yielding over 5%. This is the highest level in [--] years. In this video I'll walk you through the steps of buying US treasury bills through Fidelity. Fidelity does not charge any fees or commissions if you purchase T-bills online. The other nice thing about treasurys is the interest earned is state income tax free. If you're unsure about treasurys brokered CDs are a little simpler and I created a separate video showing how to purchase them on Fidelity's platform: https://youtu.be/gziEzw2BI1c Also related"
YouTube Link 2023-02-28T20:09Z 15.4K followers, 40.5K engagements
"High yield savings accounts [----] I constantly see people earning virtually ZERO on their cash savings. Rates have gone up so much you can earn 3-4% with a high yield savings account. Don't leave this easy money on the table https://www.ally.com/bank/online-savings-account/ https://www.capitalone.com/bank/ https://www.bankrate.com/banking/savings/best-high-yield-interests-savings-accounts/ My professional focus is retirement planning for individuals over age [--]. Please visit our website or reach out for a complimentary planning session. Ted Erhart CFP Financial Planner Anoka Minnesota"
YouTube Link 2023-02-22T20:08Z 15.4K followers, [---] engagements
"Supercharge your pension by deferring Some pension plans feature large credits for deferring. Particularly for people that expect to be long-lived deferring a pension can be an attractive option for maximizing guaranteed retirement income. In this video we'll specifically look at Target Corporation's traditional pension plan which offers very generous deferral credits for retirees. Target pension SUMMARY PLAN DESCRIPTION: https://cache.hacontent.com/ybr/R516/00936_ybr_ybrfndt/downloads/DB.pdf Related video.My favorite strategy for protecting against inflation in retirement:"
YouTube Link 2023-02-11T18:43Z 15.4K followers, [---] engagements
"New special RMD election for surviving spouses The SECURE Act [---] passed in late [----] contains a lot of changes to the retirement system. One of the new rules will allow surviving spouses to maintain the same required minimum distribution "clock" on inherited IRAs as their late spouse. For example imagine a husband (age 75) and wife (age 65). Assume wife dies and husband inherits her IRA. Under the new rule which comes into effect in [----] the husband will be able to defer required minimum distributions until the year in-which his WIFE would-have been subject to RMDs. In this example it would"
YouTube Link 2023-01-17T21:00Z 15.4K followers, [---] engagements
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