Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth

Over the past month, we released a six-part video series breaking down how ultra-wealthy investors think about taxes, and more importantly, how they legally minimize them.

In this episode, we’ve stitched the entire Tax-Aware, Long-Short (TALS™) Strategy series together to allow you to hear the full framework in one place, and we’re making it our year-end podcast episode. We’ll talk about why traditional tax strategies fall short for high earners, how advanced tax-aware investing actually works, and the investment structures that have historically been reserved for ultra-high-net-worth families but are now becoming accessible to more investors.

If you want to see the charts, visuals, and examples that go along with this discussion, you can watch the full six-part video series on YouTubehere: https://www.youtube.com/playlist?list=PLz7lSTNSHng4fplwiwAD_26ou4CCU_GP-

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

🧠 Understand how TALS generate real tax alpha

💼 When the strategy is best used and when it’s not

📉 Pairing with trader fund structure = business losses

❌ Why most CPAs and advisors miss this

💬 Real-world examples and implementation tips

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth

Roth IRAs and Roth 401(k)s are powerful tools — but most people use them without a clear strategy. In this episode, Tyler Emrick, CFA®, CFP®, breaks down how to think about Roth accounts before retirement, after retirement, and even how they impact your spouse and your legacy.

We’ll explore how to decide between pre-tax and Roth contributions while you’re still working, why your tax bracket today may not be your tax bracket in the future, and how early retirees can position assets to maximize ACA healthcare credits

Then, in retirement, we dive into one of the biggest planning questions: Should you prioritize Roth conversions or taxable gain harvesting? We explain the differences, how each affects your tax bill, and why IRMAA, NIIT, and future cash-flow needs all play a major role.

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

🔍 Roth 401(k)s ≠ Roth IRAs - No income limits inside employer plans — huge advantage.

📊 Tax Bracket Targeting - Use your future bracket to decide Roth vs. pre-tax.

🏥 Near 65? Watch ACA Rules - Roth savings can preserve subsidies pre-Medicare.

🔄 Conversions After Retirement - Pay taxes strategically when income drops.

👩‍❤️‍👨Protect the Surviving Spouse - Single tax brackets + IRMAA penalties make Roths crucial.

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth

Most retirees worry about whether their money will last—but few understand the real variables that determine success. In this episode, we go beyond the usual “spend less, earn more” advice and unpack the math that truly drives a sustainable retirement: the rate of return you actually need, how to stress-test your portfolio against bear markets, and why flexible withdrawals can extend the life of your nest egg.

Tyler Emrick, CFA®, CFP®, walks through how a real financial plan uses Monte Carlo simulations, withdrawal sourcing strategies, and tax-smart distribution planning to give you confidence—even in volatile markets.

If you want your money to last as long as you do, this episode will give you the framework to make smarter decisions today and a stronger plan for tomorrow.

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

📉 Do You Know Your Required Return? Most people don’t — yet it determines your entire investment strategy.

📊 Sequence-of-Return Risk - What happens if you retire into a 2008-style crash?

🔍 Monte Carlo Simulations - Not a Formula 1 race — a tool that models thousands of possible retirements.

🧮 Retirement Smile Concept - Why your spending won’t stay the same over 30 years.

💸 Smarter Withdrawals - The order of withdrawals can save thousands in taxes.

Have questions?

Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals.

http://bit.ly/calltruewealth

Our website: https://www.truewealthdesign.com/

Phone: 855.TWD.PLAN

Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/

Schedule your no-cost discovery call: http://bit.ly/calltruewealth

Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/

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