Here’s some of what we discuss in this episode:

📆 Why the last 12 months before retirement matter so much. 💸 The truth about lumpy spending and how to plan around it. 💑 Pension decisions, Social Security timing, and survivor benefits. 🧠 How to navigate identity shifts and relationship changes. 📊 Why advisors should be more than number crunchers.

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Not all Roth dollars are created equal—especially during times of market volatility.

In this episode, Tyler Emrick, CFA®, CFP®, unpacks when Roth contributions, conversions, or pretax savings make the most sense, and how recent market declines may present timely Roth conversion opportunities.

You'll learn how to be strategic with what assets you convert, when conversions might come with risks, and how tools like the mega backdoor Roth can help high earners build tax-free wealth. Whether you're retiring early or just looking for more tax-efficient growth, this episode offers practical guidance for getting Roth right.

Here’s some of what we discuss in this episode:

🔄 Roth IRA vs. Roth 401(k) vs. Mega Backdoor Roth

📉 How market drops create conversion opportunities

💡 Using Roths strategically before Medicare or RMD age

🧾 Why tax bracket awareness is essential

🧠 Advanced strategies like asset location and timing

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Markets have been shaken by a sharp selloff, with the S&P 500 down around 15% and the Nasdaq nearly 20% year-to-date. Much of the recent volatility is being driven by escalating trade tensions and a new round of tariffs that took effect on April 9.

In this episode, Kevin Kroskey, CFP®, and Tyler Emrick, CFA®, CFP®, unpack what’s driving the recent market moves — from global supply chain disruptions to shifting investor sentiment and international dynamics.

Here’s some of what we discuss in this episode:

📉 Why the market hates uncertainty—and how that’s showing up now

⚖️ Risk vs. uncertainty: what’s the difference and why it matters

🔁 How “Runway” helps retirees avoid emotional investment decisions

🧰 Strategies we’re using: rebalancing, dry powder, diversification

🧠 What to do (and not do) when tempted to time the market

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth