- 18
- Episodes
- 2025
- First episode
About Common Curiosities: Retirement
We’re here trying to help you feel confident about your retirement journey. We share practical insights on today's tax strategies, investment ideas, and financial planning topics. Common Curiosities: Retirement is an educational channel and is not affiliated with Harborfront Financial, Custer Financial Advisors or LPL Financial. The views expressed are for general informational purposes only and do not represent the views of any of them.Securities offered through LPL Financial Member FINRA/SIPC.
- Publisher
- Michael Custer
- Category
- business
- Language
- en
- Explicit
- No
- First episode
- 17 Oct 2025
- Latest episode
- 22 Nov 2025
Latest episodes
18 episodes in the feed.
22 Nov 2025
Who Can Have an IRA, Why so Account Types, Cash Options, and TJ Maxx Math?
Ever feel like there are way too many retirement account names to keep straight? It’s almost like alphabet soup for your retirement planning. In this episode of Common Curiosities: Retirement, Michael, CFP® and EA is joined by his wife, who asks the questions many people may secretly have. Like what to do with extra money now, what about extra money I don't need now, how do these different accounts actually work, and who can (or can’t) fund a specific account? Along the way they cover: 💬 What's different between traditional IRA from a Roth IRA outside of just the taxes and who the heck is “Mr. Roth” anyway? 💬 Why are there so many types of accounts? 401(k)s, 403(b)s, and IRAs (and how they connect with one another) 💬 Who can open or contribute to a Roth IRA (even if you’re under 18) 💬 Why earned income matters (and what the IRS really means by that) 💬 The “Starbucks app” version of paying taxes now vs. later 💬 Plus, a little “girl math” and TJ Maxx logic to keep things grounded It’s an easygoing, real-world conversation for anyone who’s ever looked at their 401(k) form or Roth contribution limits and thought, “Wait, which one is this again?” Chapters 00:00 Understanding IRA vs Roth IRA 00:51 What to do with a little extra money? 01:53 Do we treat checking and savings similarly? 02:30 Potential pros and cons of HYSA or MM 05:03 Money left after your TJ Maxx budget? 07:26 Who the heck is Roth? 09:01 Tax management like the Starbucks app? 09:48 Tax differences on Roth vs Trad. IRA 10:48 If I'm young which account should I consider? 11:42 When can you start retirement savings? 12:40 Have earned income but who can fund an IRA? 13:56 Is there a stage you can't use a Roth IRA? 14:40 Income restrictions for IRA and Roth IRAs? 15:52 How many different type of retirement accounts are there?! 18:39 Are there auto investments in 401ks or IRAs? 19:32 Why so many different retirement accounts types!? 21:10 Youtube Disc. TN & Words.mp4 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.
20 Nov 2025
$120k vs. $200k - What Your Taxes May Look Like
Ever wonder why your tax refund may change so much from year to year or why making a little more money doesn’t always feel like it pays that much extra? In this episode of Common Curiosities: Retirement, Michael CFP® and EA breaks down how our progressive tax system actually works, using everyday language (and a few buckets of water). We walk through side-by-side examples of a married couple earning $120,000 and $200,000 to see how their tax bill may look, what tax deductions they may get (or not get) and even look at planning around certain tax credits. You’ll learn: 💧 How each “bucket” of income gets taxed differently 💡 The difference between marginal and effective tax rates 👶 How credits may reduce your tax bill (and when some begin to phase out) 💭 Why tax planning can be valuable and should align with your investment and retirement planning It’s a practical, down-to-earth look at how the numbers actually stack up hopefully understandable as well. Because good financial planning isn’t just about investing… it’s about knowing how taxes, savings, and long-term goals all fit together like ingredients in a recipe that works for you. Stay curious. 🧠 Chapters 00:00 Why is it important to understand your taxes? 00:41 How the US tax system works 01:32 $120k income example 03:38 0% Tax on LTCG Possibly? 05:34 $200k Income Tax Example 06:17 Are bonuses taxed differently? 06:59 Am I trying to qualify for certain deductions or credits? 07:32 Balancing deductions and income to become eligible for tax benefits 09:41 Retirement contributions for deductions to get under tax credits and manage brackets 11:19 Roth IRA contribution mistake 11:33 Integrating tax planning with investment plans 13:20 Youtube Disc. TN & Words.mp4 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.
20 Nov 2025
New Teacher Retirement Plans For Michigan Explained
If you’re a Michigan school teacher, you only get 75 days from your first pay period to choose your retirement plan and that one decision may shape your financial future for decades. In this episode, Michael CFP® and EA unpacks what those two options really mean. There's the Pension Plus 2 plan and the Defined Contribution plan. He discussed how they work differently when it comes to paychecks, matching contributions, potential taxes, early access, and even what happens to your money after you’re gone. We’ll talk through questions like: 💭 How does the new Michigan Teacher pension formula actually work? 💭 What happens if you change careers or retire early? 💭 Why do newer teachers have such different benefits from those who started 20 years ago? 💭 What are the pros and cons to each option? 💭 How do you know which plan might fit you best based on your goals, comfort level, and your long-term plans If you’re a newer teacher, this episode breaks down the fine print into plain English to help you make a more confident, informed choice about your future. 🧠 Stay curious. 🎧 Listen to more episodes of Common Curiosities: Retirement wherever you get your podcasts. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! Disclosures:Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss.
20 Nov 2025
Q&A: Write Offs, LLCs, Deductions and More
In this episode, Michael is joined by his wife Jacqueline (who's wearing all his clothes, apparently) for a casual chat that starts with some of Jacqueline's questions she hears about money recently to get those questions answered. They cover: 💭 What an LLC actually does — and what it doesn’t do for taxes 💭 The difference between tax avoidance (smart) and tax evasion (illegal) 💭 What’s better: getting rich quick or building wealth the slow and steady way? 💭 Common money misconceptions small business owners fall for 💭 Why “write it off” ≠ “get it for free” 💭 And a reminder: hard work, patience, and planning still works (even if tjat doesn’t create trends on TikTok) We also unpack some of the common misconceptions about “tax hacks” you see online and how to tell the difference between tax avoidance (legal) and tax evasion (not so much). 👕 Featuring guest co-host: my wife (and her borrowed hoodie). 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. 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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss.
20 Nov 2025
Gold is at Record Highs. Does It Still Belong in Your Portfolio?
Gold has been shining bright lately (pun intended) and has hit all-time highs as 2025 is coming to a close. But what’s really behind the surge? In this episode of Common Curiosities: Retirement, we dig into some ideas of why reasons why gold’s up, and explore whether it still makes sense as part of a modern portfolio. Here’s what we unpack: 📝 Uncertainty and global tension — when people get nervous, gold often feels is a place some like to go 📝 A potentially softer U.S. dollar which may actually make gold (and maybe American exports) more appealing. 📝 If interest rates come down — as cash yields shrink, some investors look for new places to store value. 📝 The ease of owning gold — We'd say it’s never been simpler to invest without filling your basement with gold bars. Then we get curious about the real question: Should you own gold at all? Some see it as a hedge, others as speculation, some as an investment and some just like the historical shine. Michael CFP® and EA shares how he thinks about gold compared to other assets— and why the answer depends less on the metal itself, and more on what role it plays in your plan. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Chapters 00:00 Why is Gold at All Time Highs? 00:28 Political Uncertainty 01:06 Weaker U.S. Dollar 01:47 Interest Rates May Come Down? 02:48 Easier Access to Invest in Gold? 03:38 The Value of Gold: A Personal Perspective Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.
20 Nov 2025
Why are Market’s at All-Time Highs and What Might Come Next?
Markets are hitting record highs as we are ending 2025, but what’s really driving it? In this episode of Common Curiosities: Retirement, we take a curious look under the hood of today’s market momentum. We’ll unpack a few key forces fueling the climb including: 💭 Many strong corporate earnings that are beating expectations 💭 Interest rate cuts — after a few years of tightening interest rate increases, potential interest rate cuts could be on the horizon 💭 Artificial intelligence - Many believe it's not just hype, but a potential long-term shift in how companies operate. What does the future mean for that? 💭 Investor participation — More and more people are now investing. Is that a good thing? Of course, all-time highs don’t mean buy everything now. Markets move in cycles — and those pullbacks can be part of a healthy rhythm. This episode is all about understanding why we’re here, what might be next, and how to stay curious and have a plan ahead of time through the ups and downs. Chapters 00:00 Market Overview and Current Status 00:34 Business Earnings 00:59 Potential Interest Rate Cuts 01:33 People's Interest in Artificial Intelligence 02:54 Other AI Ideas? 03:51 More People Investing Now 04:40 Understanding Stock Market Dynamics 05:07 Investment Strategies in Volatile Markets 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.
20 Nov 2025
Debt Payoff vs Investing... It’s Not Just Math It’s Human Behavior
Ever wondered if you should wipe out your debt as fast as possible or maybe hang on to those loans and invest instead? In this episode, we explore the balance between math and mindset because financial plans don’t live in spreadsheets, they live in real life. Michael, CFP® and EA unpacks the pros and cons of paying debt quickly versus investing for the long haul, why behavior often beats math in the real world, and when taking on debt may actually make sense, especially if it’s investing in yourself or your career. Plus, a lighthearted look at what happens when “adulting” meets your first paycheck (and suddenly your bed goes from one pillow to eight). If you’ve ever wondered: 💭 “Should I pay off my student loans or invest instead?” 💭 “When is debt okay?” 💭 “How do I prioritize my money when I’m just starting out?” This episode is right for you. Chapters 00:00 Question: Debt Payoff vs Investing Thoughts? 01:49 Will People Stick With Their Plan During Down Years? 03:03 When is it Okay to Acquire Debt? 05:15 What to do After Getting First Career Job? 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.
20 Nov 2025
How Gifting Investments Could Help Your Taxes
Most people who donate give cash to charities. Which is very generous of them, but what if there’s a better way to gift where the charity can still get the benefit but you may also receive some more tax benefits? In this episode of Common Curiosities Retirement, Michael CFP® and Enrolled Agent unpacks one of the most overlooked tax strategies for charitable givers: donating appreciated assets. It’s not a flashy dinner party topic, but it could help save you in taxes and increase what your favorite causes receive. He breaks down: 💡 How gifting investments directly to charity actually works 💡 Why it may be more helpful than giving cash 💡 Common mistakes to avoid 💡 How to know if this strategy fits your situation Whether you’re a seasoned investor, a future retiree, or just curious about smarter giving, this episode helps you see generosity through a fresh (and financially clever) lens. Chapters 00:00 NEWCHAPTER 00:12 Tax Savings for Giving? 02:32 What goals & problems is this helping me achieve? 03:09 What Type of Accounts Do I Use This With? 04:09 How Does the Brokerage Account Work 04:35 Direct Gift to Charity with Assets 04:41 Standard Deduct or Itemize Get a Benefit? 05:45 Real World Example 07:14 Gifting a Portion of an Investment 07:52 Why Consider Giving Investments with Most Gains? 09:00 Does The Charity Get Less With This Idea? 10:23 Be Careful Selling the Investments First 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.
20 Nov 2025
Roth IRAs: The Rules Most Don't Read (But Should)
Ever wonder when you can actually use your Roth IRA without getting smacked with taxes and penalties? You’re not alone. In this episode of Common Curiosities: Retirement, we unpack one of the most common unused tools with Roth accounts. When and how to tap them before 59½ without giving the IRS a reason to celebrate. You’ll hear how the rules actually work, where the real flexibility may come from, and what to watch out for if you’re trying to pull this off. It’s part story, part strategy, and all about helping you see how planning aims to turn your retirement accounts into more than just “someday” money. Because at the end of the day, your savings aren’t just numbers. They’re tools to help you live the life you’re working toward. Chapters: 00:00 Can I use a Roth IRA before 59 1/2? 00:40 Who Might Use Early Roth IRA Access? 01:20 Real Life Example 03:23 Retirement Account Gov't Deal 05:24 Leveraging Roth IRA Contributions for Financial Flexibility 06:07 Lower Tax Bracket? 06:51 Tracking Roth Contributions 07:15 Withdrawal Order Rules 07:57 Using a Roth IRA to Bridge Life Gaps 08:22 Retirement Withdrawal Strategies 08:54 Taxes A Huge Missed Opportunity? 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. 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.
20 Nov 2025
Can We Give to Charities and Save on Taxes?
If you’re over 70½ or just planning ahead for when you will be, this simple move could make your money go further. We walk through what a QCD is, how it’s different from an RMD, who it’s typically best suited for, and some overlooked rules that could help you avoid unnecessary taxes (and maybe some paperwork headaches too). Whether you’re already retired, helping a parent plan, or just like being the “go-to finance friend” in your circle, this episode helps you understand how generosity and smart tax planning can go hand in hand. Takeaways ✅ QCDs could allow for more tax-efficient charitable giving. ✅ Individuals over 70 and a half may benefit from QCDs. ✅ Direct donations from retirement accounts are important ✅ Understanding QCDs can influence future retirement planning. ✅ QCDs can help lower Required Minimum Distributions (RMDs). ✅ Charitable giving should align with personal values and financial goals. ✅ Itemizing deductions may not always be beneficial compared to QCDs. ✅ QCDs simplify the tax process for retirees. ✅ Every dollar in retirement should have a purpose. Chapters Introduction to Tax-Efficient Giving - 0:00 Understanding Qualified Charitable Distributions (QCDs) - 3:00 Benefits of QCDs for Retirement Planning - 6:00 Common Missteps in Charitable Giving - 9:00 Real-World Examples and Scenarios - 12:00 Who Should Consider QCDs? - 15:00 Maximizing Tax Benefits with QCDs - 18:00 Conclusion and Final Thoughts - 21:00 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 📬 𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐰𝐢𝐭𝐡 𝐮𝐬: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Disclosures: Investment advisory services offered through Harborfront Financial Group d/b/a Custer Financial Advisors (“CFA”), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. Educational content only—not investment, legal, or tax advice. All investing involves risk, including loss of principal. Past performance is not indicative of future results. Opinions and views are as of the date recorded and may change without notice. Securities offered through LPL Financial, Member FINRA/SIPC.
20 Nov 2025
Missing Potential With Your Roth IRA?
Roth IRAs can be one of the most powerful tools in retirement planning, but only if you understand the rules and how they fit into your bigger picture. In this episode, we break down practical strategies for using Roth IRAs from retirement tax planning and early retirement options. Whether you’re just getting started or already building your retirement nest egg, this conversation should help you see where Roth accounts may (or may not) make sense for your financial strategies. Topics we’ll cover: ✔️How Roth IRAs actually work (and why taxes now can create potentially very valuable tax-free assets later) ✔️Accessing contributions before retirement even without penalties ✔️The tricky commonly missed five-year rule ✔️Income limits, phaseouts, and backdoor Roth contributions ✔️Why Roth IRAs can be a great tool for career changers and early retirees ✔️The impact on Social Security taxes and Medicare premiums ✔️Spousal Roth IRAs and planning as a couple ✔️How Roth IRAs fit into legacy and estate planning If you’ve ever wondered how to blend Roth accounts with your other retirement strategies, this video is for you. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy.
20 Nov 2025
Your 1040 isn’t just paperwork. It’s a tax roadmap!
Most people dread looking at their tax return, but what if it could be one of the most valuable tools for you or your financial planning team? In this video, Michael, CFP®, EA breaks down the 1040 step-by-step and shows how it could reveal hidden opportunities to potentially lower taxes, help you make smarter financial moves, all aimed at helping you keep more of you hard earned money! We cover: ✅ Filing status and how it can affect your taxes ✅ Standard vs. itemized deductions and when they matter most ✅ Income types (W-2, interest, dividends, IRA withdrawals) and their different tax treatments ✅ Opportunities like Roth conversions, tax gain harvesting, and QCDs ✅ How reading your return could help you avoid paying more than you need to in taxes and spot potential changes you may want to consider Whether you love spreadsheets or avoid them at all costs, this video should help you see your tax return in a new light. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. 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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy.
20 Nov 2025
Retiring with $2.5 Million? What Can I Spend and How!?
𝐌𝐚𝐧𝐲 𝐫𝐞𝐭𝐢𝐫𝐞𝐞𝐬 𝐰𝐨𝐫𝐫𝐲 𝐚𝐛𝐨𝐮𝐭 𝐫𝐮𝐧𝐧𝐢𝐧𝐠 𝐨𝐮𝐭 𝐨𝐟 𝐦𝐨𝐧𝐞𝐲, 𝐛𝐮𝐭 𝐬𝐦𝐚𝐫𝐭 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐦𝐚𝐲 𝐞𝐚𝐬𝐞 𝐭𝐡𝐨𝐬𝐞 𝐟𝐞𝐚𝐫𝐬 𝐚𝐧𝐝 𝐥𝐞𝐚𝐝 𝐭𝐨 𝐦𝐨𝐫𝐞 𝐜𝐨𝐧𝐟𝐢𝐝𝐞𝐧𝐭 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐚𝐧𝐝 𝐬𝐩𝐞𝐧𝐝𝐢𝐧𝐠 𝐦𝐨𝐫𝐞 𝐢𝐧 𝐲𝐨𝐮𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐲𝐞𝐚𝐫𝐬! In this video, we discuss the emotional and strategic side of retirement spending. From understanding how much we can spend with $2.5 million to evaluating large purchases. 📌 𝐖𝐡𝐚𝐭 𝐰𝐞 𝐜𝐨𝐯𝐞𝐫: • Why a 100% simulation of success in retirement spending isn't typically needed and could lead to not spending enough! • Tax implications that often quietly erode retirees income • How to plan for both expected and surprise expenses • The role of travel, leisure, and lifestyle in your retirement budget • Why adjusting your spending strategy can lead to better outcomes • How income flows from different sources affect your plan • When prepaying taxes might make sense for you • Evaluating big-ticket items with clarity and purpose Retirement isn’t just about saving—it’s about spending wisely, with intention and flexibility. 𝐰𝐰𝐰.𝐜𝐮𝐬𝐭𝐞𝐫𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐚𝐝𝐯𝐢𝐬𝐨𝐫𝐬.𝐜𝐨𝐦 𝐞𝐦𝐚𝐢𝐥: 𝐜𝐮𝐬𝐭𝐞𝐫𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥𝐚𝐝𝐯𝐢𝐬𝐨𝐫𝐬@𝐥𝐩𝐥.𝐜𝐨𝐦 𝐏𝐡𝐨𝐧𝐞 𝐍𝐮𝐦𝐛𝐞𝐫: 𝟔𝟏𝟔-𝟕𝟒𝟖-𝟒𝟗𝟏𝟗 Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy.
15 Nov 2025
Not Sure What You’ll Spend in Retirement? Start Here
Thinking about how much you need in retirement and but unsure how what you'll actually need? You’re certainly not alone. In this episode of Common Curiosities: Retirement, we break down two methods that have helped our members get a clearer picture of their potential expenses helping them feel more confident in their retirement planning. 𝐖𝐞 𝐜𝐨𝐯𝐞𝐫: 🎯 Why many people actually overestimate how much income they’ll need 🎯 Two practical ways to track your spending (you may not even need spreadsheets or budgets) 🎯 Commonly missed costs 🎯 How to factor in inflation, taxes, and those early retirement "freedom years" spending Whether you're a numbers person or just looking for a simple way to estimate your spending, this episode should help you avoid surprises and plan smarter. Hopefully this is helpful to you! 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! 💬 Disclosures: https://www.custerfinancialadvisors.com/contact-us-form (https://www.custerfinancialadvisors.com/contact-us-form) Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. 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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy.
8 Nov 2025
RMDs and Retirement Taxes: What’s Really Going On
Required Minimum Distributions (RMDs) can feel intimidating at first, but they don’t have to be! In this episode, we walk through what RMDs are in plain language, why the IRS requires them, and how they fit into your overall retirement planning strategies. We’ll talk about how they work, when you have to start taking them, and how they could impact things like your taxable income, Medicare costs, and future planning options. By understanding the “why” behind the rules, we find it's easier to see RMDs as another part of puzzle when managing your retirement strategy. 𝐇𝐞𝐫𝐞’𝐬 𝐰𝐡𝐚𝐭 𝐰𝐞 𝐜𝐨𝐯𝐞𝐫: ✅ What RMDs Are: Why the IRS requires withdrawals from retirement accounts like IRAs, 401(k)s, and 403(b)s. ✅ When They Start: Updated age rules. Now often age 75 for many people! ✅ Penalties & Deadlines: Why missing an RMD can be costly and how to avoid it. ✅ Tax Impact: How RMDs can push you into higher tax brackets, affect Medicare costs, and trigger additional taxes. ✅ Strategies to Consider: QCDs (qualified charitable distributions), Roth conversions, reinvesting withdrawals, and planning ahead to stay flexible. RMDs are just one piece of the retirement puzzle, and thinking through them early can help keep surprises to a minimum.Why we're here? Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy.
5 Nov 2025
Social Security Planning? Key Items You Should Consider
Social Security is a key part of retirement planning. While it can seem complex, understanding the basics can make you feel more confident in your decision and how it fits with the rest of your plan. In this episode, we highlight a few essential factors to consider before choosing when to begin benefits. What we cover: ✅ Full Retirement Age: How it’s calculated and why it even matters. ✅ Early vs. Delayed Benefits: What happens if you claim at 62 vs. 67 or 70. ✅ Working While Collecting: How income could reduce your S.S. benefit. ✅ Social Security Taxes: How much is taxable and does each state treat it differently? ✅ Break-Even Ages: Things to consider about longevity and health. ✅ Planning Ahead: Coordinating spousal benefits and looking at the bigger retirement picture. Whether you’re close to retirement or just planning ahead, this video aims to help educate you so you can make more informed decisions that fit your life and goals. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics! Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions.Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy
17 Oct 2025
401(k) Setup Made Simple: What You Should Know!
In this video, I share insights from recent 401(k) plan meetings and answer the common employee questions. We cover: ✅ Roth vs. Pre-Tax Contributions ✅ Employer Match Explained (5% for 4% and more) ✅ Target Date Funds ✅ 2025 Contribution Limits, Catch-Up & Super Catch-Up Rules ✅ Automatic Enrollment: What You Should Know ✅ Strategies to Try to Reduce Lifetime Taxes ✅ Why 401(k)s Are a Deal with the Government Whether you’re new to retirement planning or looking to reevaluate your current setup, this video gives you the clarity and confidence to take action. 🔔 Subscribe for more financial planning tips and real-world strategies. 𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐈𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧: 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) 𝐏𝐡𝐨𝐧𝐞: 616-748-4919 Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial. This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss. 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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy.
17 Oct 2025
New Tax Laws Worth Paying Attention To After "The Big Beautiful Bill"
There’s been a lot of noise around tax law updates lately. Some of these changes are worth a closer look. In this episode, we break down what’s new after Public Law 119-21 -- aka "The Big Beautiful Bill" Topics: 🎯 Why the standard deduction is shifting (and what $31,500 means for many filers) 🎯 How child tax credits, overtime pay, and tips are being treated differently now🎯 What to know about the 12% vs. 22% tax bracket—and how to strategize creeping into a higher one 🎯 A few overlooked deductions like SALT.This is about trying to understand the rules so you can make more informed decisions. Whether you’re nearing retirement, or just trying to keep more of what you earn, this breakdown is designed to help you think strategically. 𝐖𝐡𝐲 𝐰𝐞'𝐫𝐞 𝐡𝐞𝐫𝐞? We’re here to make retirement planning feel less intimidating by helping people think through their strategies and plans through clear relatable financial topics!💬 Questions or Want to Connect? 🌐 𝐖𝐞𝐛𝐬𝐢𝐭𝐞: www.custerfinancialadvisors.com (http://www.custerfinancialadvisors.com) 📧 𝐄𝐦𝐚𝐢𝐥: custerfinancialadvisors@lpl.com (mailto:custerfinancialadvisors@lpl.com) Disclosures: Harborfront Financial Group is a Registered Investment Advisor registered with the Securities and Exchange Commission (SEC). Registration as an investment adviser does not imply a certain level of skill or training, and the content of this communication has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.The information contained in this material is intended to provide general information about Harborfront Financial Group and its services. It is not intended to offer investment advice. Investment advice will only be given after a client engages our services by executing the appropriate investment services agreement. Information regarding investment products and services are provided solely to read about our investment philosophy and our strategies. You should not rely on any information provided on our web site in making investment decisions. Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Harborfront Financial Group, a Registered Investment Advisor. Harborfront Financial Group and Custer Financial Advisors are separate entities from LPL Financial.This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing. All investing involves risk including loss of principal. No strategy assures success or protects against loss.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. The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful. All investing involves risk including loss of principal. No strategy assures success or protects against loss. Harborfront Financial Group will provide all prospective clients with a copy of our current Form ADV, Part 2A (Disclosure Brochure) prior to commencing an advisory relationship. However, at any time, you can view our current Form ADV, Part 2A at adviserinfo.sec.gov (http://adviserinfo.sec.gov). In addition, you can contact us to request a hardcopy.
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