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The Rob Berger Show

Rob Berger

224 episodes

4 days ago

In today's Five Question Friday (FQF), we cover five great questions and one tax calculator: 1. What is the Tax Triangle? (Traditional, Roth, and taxable accounts) 2. Is the Withdrawal Amount in FICalc the same as spending? 3. When should you sell an investment that's at a loss? 4. How far into the future should we plan? 5. When and how quickly should you change asset allocation as you near retirement? Tool: Retirement Tax-Friendly States: https://smartasset.com/retirement/ret... Resources...

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Self-Improvement

All content for The Rob Berger Show is the property of Rob Berger and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

In today's Five Question Friday (FQF), we cover five great questions and one tax calculator: 1. What is the Tax Triangle? (Traditional, Roth, and taxable accounts) 2. Is the Withdrawal Amount in FICalc the same as spending? 3. When should you sell an investment that's at a loss? 4. How far into the future should we plan? 5. When and how quickly should you change asset allocation as you near retirement? Tool: Retirement Tax-Friendly States: https://smartasset.com/retirement/ret... Resources...

Show more...

Self-Improvement

Episodes (20/224)

The Rob Berger Show

RBS 224: What is the Tax Triangle? (FQF)

In today's Five Question Friday (FQF), we cover five great questions and one tax calculator: 1. What is the Tax Triangle? (Traditional, Roth, and taxable accounts) 2. Is the Withdrawal Amount in FICalc the same as spending? 3. When should you sell an investment that's at a loss? 4. How far into the future should we plan? 5. When and how quickly should you change asset allocation as you near retirement? Tool: Retirement Tax-Friendly States: https://smartasset.com/retirement/ret... Resources...

4 days ago

29 minutes

The Rob Berger Show

RBS 223: How Bracket Filling Can Lower Your Tax Bill in Retirement

A viewer recently asked about bracket filling: "I haven't heard you or other financial advisors say much about "bracket filling" in retirement. Is it reasonable to think that in retirement I should be filling a tax bracket up with pre-tax accounts, then using after-tax accounts for withdrawals that reach into the higher bracket? Is there a way to model this in Bolden?" It's a great question that we cover in this video. Resources Mentioned in Video Boldin: https://go.robberger.com/boldin/y...

3 weeks ago

15 minutes

The Rob Berger Show

RBS 222: The New Tax Law Changes and How They May Affect Retirement

The passage of the One Big Beautiful Bill Act has brought us a number of changes to the tax laws. Some changes are "permanent," meaning it would take an act of Congress and the President to change them. Some are "temporary," meaning they expire at some point in the future. Almost all of them can affect how we plan for retirement, particularly when it comes to Roth conversion strategies, tax-gain harvesting, and even traditional retirement account distributions. In this video, I walk through ...

3 weeks ago

23 minutes

The Rob Berger Show

RBS 221: What's the Best Option for Cash: Money Market Funds or T-Bill ETFs? (FQF)

Here are the five questions we cover this week in Five Question Friday: 1. Should we park cash in a money market fund or a t-bill ETF? 2. Are Robo-Advisor Tax-Loss harvesting features worth it? 3. What is the Retirement Spending Smile? 4. What rate of return assumption should you use in retirement planning software? 5. Which IRA account types can be combined? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

1 month ago

27 minutes

The Rob Berger Show

RBS 220: How the New $6,000 Senior Bonus Deduction Affects Roth Conversions (FQF)

In today's Five Question Friday we look at the following questions: 1. How should the $6,000 senior deduction affect Roth conversions? 2. Are short-term bonds a reasonable alternative to intermediate-term bonds? 3. Are tax-managed balanced funds ok in a taxable account? 4. How should I invest money I'll use to pay the rent in retirement? 5. Boldin vs ProjectionLab for Roth conversion analysis?Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

1 month ago

22 minutes

The Rob Berger Show

RBS 219: 3 Smart Alternatives to the 4% Rule (No Initial Safe Withdrawal Rate Required)

One of the challenges of the 4% Rule is what your initial safe withdrawal rate should be. While the name of the rule suggests one should start with 4%, there are countless reasons why that start point may not be right for you. For example, you may retiree early, you may not use the same asset allocation the rule was based on, you may have concerns about future stock market returns, inflation or both. Enter withdrawal strategies that don't require you to use 4% or any other initial safe withd...

1 month ago

26 minutes

The Rob Berger Show

RBS 218: Individual TIPS vs TIPS Funds--Which Offers Better Inflation Projection? (FQF)

In today's Five Question Friday (FQF), we look at the following questions: 1. TIPS Funds vs Individual TIPS--which provides the better inflation protection? 2. Is a 4% withdrawal each year with no inflation adjustment a reasonable withdrawal strategy? 3. Can tax loss harvesting reduce IRMAA payments? 4. How can you estimate the annual income of an investment portfolio? 5. How do I track my net worth? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

1 month ago

16 minutes

The Rob Berger Show

RBS 217: Are Growth Stocks Best for a Roth IRA? (FQF)

We look at the following questions in today's Five Question Friday: 1. Are growth stocks best for Roth IRAs? 2. How should you pay taxes on retirement account withdrawals? 3. How should you invest in retirement if you are scared of the stock market? 4. What's the ideal set-it-and-forget-it retirement portfolio? 5. Should you withdrawal cash from investment accounts to create an emergency fund? Schwab RMD article: https://www.schwab.com/go-digital/rmd Join the Newsletter. It's Free: https:/...

2 months ago

28 minutes

The Rob Berger Show

RBS 216: Is the 4% Rule Now The 5% Rule? (FQF)

In today's Five Question Friday video we cover these questions: 1. Why has Bill Bengen gone from 4% to 5%? 2. Is it ok to put Social Security bridge money in a money market fund? 3. How do Fidelity's Zero Funds compare to Vanguard Index Funds? 4. Should cash count towards your asset allocation? 5. Should you convert Vanguard Mutual Funds to ETFs? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

2 months ago

23 minutes

The Rob Berger Show

RBS 215: How To Invest In Your 20s (It's easier than you think)

I viewer named Eileen asked about how her children, who are in their twenties, should invest. Here's her question: Can you do a video on constructing a retirement account (Roth) for my 20 year old kids? They are contributing 15%. I am thinking 10% VGSLX, 10% VSIAX, 30% VTIAX and 50% either VTSAX or VVIAX. Your thoughts please. In this video I'll walk through the 3 goals of long-term investing, evaluate Eileen's proposed portfolio, and look at one alternative. Empower: https://go.robberger.c...

2 months ago

23 minutes

The Rob Berger Show

RBS 214: Does a Market Crash Change the 4% Rule? (FQF)

In today's Five Question Friday we look at these 5 questions: 1. Does a Market Crash Change How to Use the 4% Rule? 2. How do bond ETFs generate returns? 3. Are Timothy Funds a good option? 4. Is Fidelity HSA a solid account? 5. What's better in retirement, Schwab Intelligent Portfolios or a TDR Fund? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

2 months ago

24 minutes

The Rob Berger Show

RBS 213: I Attended a Free Dinner Investment Seminar--Here's what happened.

In this video, I share my experience attending a free dinner investment seminar. The seminar was allegedly to help investors handle volatility in the markets. Instead, it turned out to be a sales pitch for expensive, complex investing products like a leveraged options strategy. Here are links to the resources I mention in the video: SPIVA Report: https://www.spglobal.com/spdji/en/res... Concentration of SP500: https://www.visualcapitalist.com/sp/v... Vanguard Lont-Term Bond Fund: https://ww...

2 months ago

22 minutes

The Rob Berger Show

RBS 212: Should You Contribute to a 401k That Has No Employer Match? (FQF)

In this edition of Five Question Friday (FQF), we look at these five questions: 1. My 401k is not employer matched, should I stop contributing to my employer 401k and open a Roth IRA instead? 2. Where should we keep cash we'll need to spend in 12 to 18 months? 3. Can you implement the bucket strategy in Boldin? 4. SCHD + TIPS & Chill? 5. Do Short-Term Treasury Bills provide the same inflation protection as TIPS? Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

2 months ago

22 minutes

The Rob Berger Show

RBS 211: When Should You Change Your Asset Allocation? (FQF)

In today's Five Question Friday (FQF) we'll tackle the following questions: 1. Is now a good time to change your asset allocation? 2. Do target date funds force you to sell stocks in a down market? 3. Does the IRS treat the withdrawal of dividends as taking out earnings or contributions from a Roth IRA? 4. Is an 80% Chance of Success in Retirement reasonable? 5. How much should you allocate to international stocks? Boldin: https://go.robberger.com/boldin/yt-fqf ProjectionLab: https://go.rob...

3 months ago

27 minutes

The Rob Berger Show

RBS 210: Where I'm Keeping My Cash: T-Bills, Money Market Funds, CDs or Savings Accounts?

In this video, I'll run down several high-yield options for your cash. I'll also discuss where we are keeping our cash today. Bank Bonuses: https://www.allcards.com/best-bank-bo... CD Rates: https://www.allcards.com/cd-rates/ Savings Rates: https://www.allcards.com/savings-acco... No-Penalty CD Rates: https://www.allcards.com/no-penalty-c... Vanguard Money Market Funds: https://investor.vanguard.com/investm... Schwab Money Market Funds: https://www.schwab.com/money-market-f... T-Bill Yields:...

3 months ago

9 minutes

The Rob Berger Show

RBS 209: The 5 Biggest Risks in Retirement According to Experts

The Center for Retirement Research at Boston College recently surveyed financial advisors, asking what the major risks were to their clients' retirement. In this video, we'll look at the top 5 risks financial advisors identified, and compare them to the five biggest risks according to retirees. Here's the study: https://crr.bc.edu/wp-content/uploads... ProjectionLab (Use Code RBERGER-10 for a 10% discount): https://go.robberger.com/projectionla... Boldin: https://go.robberger.com/boldin/yt-...

3 months ago

11 minutes

The Rob Berger Show

RBS 208: Is It Safe To Link Financial Accounts To Budget Apps? (FQF)

Here are today's Five Question Friday (FQF): 1. Are financial apps safe? 2. Can you help me understand the risk of bonds? 3. How are mutual fund dividends taxed? 4. How should we think about annuities for retirement income? 5. Does Ben Felix hate index funds? Ben Felix video: • The Problem With Index Funds Join the Newsletter. It's Free: https://robberger.com/newsletter/?utm...

3 months ago

27 minutes

The Rob Berger Show

RBS 207: Should We Do a Roth Conversion Now? (FQF)

Here are the five questions we'll cover in this week's edition of Five Question Friday: 1. Is now a good time to do a Roth conversion? (John) 2. Mutual Funds vs ETFs (Shane) 3. Should we invest more in international stocks? (Phil) 4. Is Gold a hedge against inflation? (Cathy) 5. Has 2025 wrecked our retirement plans? (Doug) Resources Boldin: https://go.robberger.com/boldin/yt-fqf ProjectionLab: https://go.robberger.com/projectionla... Join the Newsletter. It's Free: https://robberger.com...

3 months ago

34 minutes

The Rob Berger Show

RBS 206: Is Now a Good Time to Start Investing? (FQF)

Welcome to another edition of Five Question Friday (FQF). We actually have 6 questions today plus a free investment tracking tool: 1. Do I send Facebook friend requests to viewers? 2. Is this a good time to start investing? 3. Is rebalancing in volatile times just market timing? 4. If following the 4% rule, should the amount you pay in taxes be included? 5. Should an emergency fund be part of your asset allocation? 6. What is your opinion of using T-bills for cash instead of CDs or bonds?&nb...

4 months ago

18 minutes

The Rob Berger Show

RBS 205: A Smarter Way to Model TIPS Ladders in Retirement Planning Software

A viewer named John emailed me the following question: "I'm planning to build a 5yr TIPS ladder to provide some inflation protected income in the years before Medicare and SS. How do I model that "account" in Boldin??" It's a great question, and it gives us the opportunity to look at an often overlooked feature of retirement planning software--pension income. Yes, a TIPS ladder can be modeled as pension income. We'll look at it in both Boldin and ProjectionLab. Boldin: https://go.robb...

4 months ago

17 minutes