In the first episode of the new year, Chris answers questions from listeners on finding balance in enjoying your money in retirement while planning for longevity, and whether a Roth 401k makes sense.

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Song of The Week:

https://www.youtube.com/watch?v=Y0Yg9wjctRw

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

There’s no better time to start pursuing your financial goals than right now. The earlier you start, the more time you have to work toward them. It’s easier to manage your money and make progress toward your goals when you have a strategy. Chris shares 5 things young investors can do now to help put them on the right path.

Roth Episode:

Audio: https://open.spotify.com/episode/39X6jdMiUXYtCIYWeqKsAV?si=35c9d760df00422d

Video: https://youtu.be/GJJwxhSp1Pc

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Song of The Week:

https://youtu.be/IKqV7DB8Iwg?si=VqQPoCGzZZT9YL17

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

As the end of 2025 approaches, it is time to take a look at your finances and prepare for the year ahead, including tax season. Chris breaks down 5 tax considerations for investors as the year comes to an end.

Roth Conversion Episode:

Audio: https://open.spotify.com/episode/39X6jdMiUXYtCIYWeqKsAV?si=35c9d760df00422d

Video: https://youtu.be/GJJwxhSp1Pc

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Songs of The Week:

https://youtu.be/-0kcet4aPpQ?si=8-dzmBsTHGL_dIYI

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

A 2010 Time magazine article on the plateau effect—the observation that Americans' happiness levels stop significantly increasing once income surpasses $75,000—sparked a deep dive into the connection between money and happiness. While nearly 15 years have passed and more nuanced insights have emerged, the core takeaway remains just as relevant, especially for retirees: happiness isn’t just about the amount of money you have. It’s how you use that money that often determines whether retirement feels fulfilling or empty. This week Chris explores 10 habits of happy retirees.

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Songs of The Week:

https://youtu.be/ZbZSe6N_BXs?si=PH3CI9L0rPRNj65s

https://youtu.be/jZhQOvvV45w?si=2xOlYZBqaEKzVt8x

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Chris discusses Roth Conversions. He breaks down what they are, common considerations, unexpected consequences and how investors can help determine if a conversion makes sense for them.

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Song of The Week:

https://youtu.be/2bH0rULAHEg?si=BUsveh6PKaNqmee0

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years.

Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

This week Chris breaks down the different types of annuities and what investors should consider when determining what investment makes sense for them.

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Song of The Week:

https://www.youtube.com/watch?v=4QIZE708gJ4

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Annuities are sold by prospectus, which contains detailed information about investment objectives and risks, as well as charges and expenses. You are encouraged to read the prospectus carefully before you invest or send money to buy an annuity contract. The prospectus is available from the insurance company or from your financial professional.

The guarantees of an annuity contract depend on the issuing company’s claims-paying ability.

Variable annuity subaccounts will fluctuate in value based on market conditions, and may be worth more or less than the original amount invested if the annuity is surrendered.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Chris is joined by fellow Premier Investments & Wealth Management advisor, Elias Randel, to answer questions from listeners on Social Security, Required Minimum Distributions and Hiring a Financial Advisor.

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Song of The Week:

https://www.youtube.com/watch?v=0C58ttB2-Qg

https://www.youtube.com/watch?v=6k8cpUkKK4c

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Everyone would like 'free' money - so why is it that so many Americans are missing out on their 401(k) match? This week Chris dives into the world of employer plans and talks about the advantages of the employer match.

Follow YNDY:

https://www.facebook.com/yourenotdeadyetpodcast/

Song of The Week:

https://www.youtube.com/watch?v=qbGFrrifeEs

Disclosures:

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual.

To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing.

Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional.

Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

A plan participant leaving an employer typically has four options (and may engage in a combination of these options), each choice offering advantages and disadvantages.

Those options include: Leave the money in their former employer’s plan, if permitted; Roll over the assets to their new employer’s plan, if one is available and rollovers are permitted; Roll over to an IRA; or Cash out the account value.