Financial video library

Should Executors Pay Estate Bills Right Away - or Wait? We highlight a critical, but often misunderstood aspect of estate administration: The risks of executors or administrators rushing to pay bills or distribute assets after a loved one passes away. Drawing on...

3 Ways IRMAA Can Impact Your Medicare Costs Medicare IRMAA surcharges can materially change retirement cash flow — often unintentionally. This video walks through how modified adjusted gross income (MAGI) drives Medicare Part B and Part D premiums, why more retirees...

5 Things About The Stay NJ Program New Jersey has introduced the Stay NJ program, a new property tax credit aimed at encouraging seniors to remain in the state during retirement. Effective in 2026, Stay NJ works alongside the existing ANCHOR and Senior Freeze programs...

Health Savings Accounts: 5 Things Worth Understanding Takeaways: HSAs offer pre-tax contributions, tax-free growth, and tax-free withdrawals for medical expenses Contribution limits in 2026 allow families 55+ to approach nearly $10,000 per year Paying medical costs...

1929 vs Today: What’s Changed Takeaways: The 1929 market lacked basic protections like the FDIC, SEC, and unemployment insurance The Federal Reserve now acts as a lender of last resort to stabilize the system Circuit breakers and margin rules might reduce the risk of...

Section 457 Deferred Compensation Plan Key Takeaways - A section 457 deferred compensation plan may allow penalty-free withdrawals before age 59½ - Early IRA or 401(k) withdrawals (prior to age 59 1/2) usually trigger a 10% tax penalty - A large section 457 deferred...

5 Reasons Why Hiring Two Advisors Might Backfire Some investors believe hiring two advisors and “letting them compete” is a smart way to maximize returns from investment advisors. In practice, it often does the opposite.  This video explains why hiring two advisors...

Homeowners Insurance Disaster Takeaways • Home values often rise faster than policy updates, creating hidden coverage gaps. • Guaranteed replacement cost (or 100% replacement cost) should be reviewed with your insurance professional. • Most homeowners cannot cover a...

Mortgage Math: Why You Pay So Much in Interest Up Front Mortgage Math: Why You Pay So Much Interest Up Front. Why does mortgage math feel so expensive? Why does it take so long to build equity? In this video, we break down mortgage math, amortization, and the real...

$1 Trillion in Credit Card Debt. Is the US Consumer OK? Is the US Consumer OK?   Five key points: 1. Large-bank consumer credit card balances are approaching $1 trillion, but delinquency rates remain within long-term historical ranges. 2. Minimum-payment behavior has...

Transfer 529 to Roth IRA? Is this even possible?  This is so new, it took over a year for the IRS to translate what this means. While the ink is not even dry (always subject to IRS changes), this could be a useful tool - for some! Key points: Up to $35,000 can be...

Invert - Always Invert! Key points: Invert your thinking: Look backward to identify risks and potential problems in your financial plan. Case study exposes gaps: High earners may lack essentials like life insurance, disability coverage, emergency funds. Avoid big...

2 Rules About Emergency Funds Are you trying to "maximize" your emergency funds? Why? In this video, we explain why a high-yield savings account is still one of the best places to keep your emergency savings — even as interest rates fluctuate in 2025.  Short-term...

The Representative Payee and Social Security Why Social Security Won’t Accept Your Power of Attorney Key take-aways: Use the SSA-4547 form to designate a Representative Payee for Social Security benefits. The Social Security Administration does not recognize...

The Illiquid Millionaire: Retirement Reality in New Jersey How Can You Be Rich - But Still Broke In 2025? Takeaways: 1. Significant appreciation in New Jersey property values has created the illiquid millionaire. It's not very easy to turn into cash. 2. Likewise, 401k...

Is the S&P 500 in a bubble? Key Takeaways: The very same top 8 mega-cap tech stocks dominate both NASDAQ 100 and S&P 500 Market concentration is high - but not unprecedented, or necessarily a bubble Sector leadership shifts over time: industrials, energy,...

Optimal Social Security Claiming Strategy Key takeaways from the video: 1.  An optimal Social Security Claiming Strategy depends on balancing breakeven analysis, longevity risk, and lifestyle goals. 2.  Claiming Social Security at 62 vs 70 has major implications for...

Timing the Market, or time IN the markets? Key Takeaways from Timing the Market: 1. Missing just one day off the bottom can reduce returns by nearly 10% 2. Sharp market recoveries are more common than most investors think 3. Active managers often tend to underperform...

You Can Outlive Your Money Key take-aways: Planning the first few years of retirement might be easy. What will the last five years (or ten years) look like? You CAN outlive your money - the risk is real.  Today, retirees may live into their 90s or even 100, increasing...

Avoid This Costly Retirement Account Mistake Key Take-aways from Avoid This Costly Retirement Account Mistake: Pre-tax savings help more when in higher tax brackets. Withdrawing early can cost dearly in penalties and taxes.  Try to avoid this costly retirement account...