America's Wealth Management Show

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300

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Oct 2026

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About the show

Modern Wealth Management presents America's Wealth Management Show with Dean Barber. Dean and his guests, America's leaders in the financial industry, have made it their missions to show everyone how to grow, keep, and leave their money. Since 2003, America's Wealth Management Show has informed and educated retirees and those nearing retirement on what life is like after your working career ends. Investment advisory services offered through Modern Wealth Management, LLC, an SEC Registered Investment Adviser.

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60 recent

October 22, 202633 min

The Hidden Tax Trap of Inheriting a Non-Spousal IRA After SECURE 2.0

Deferring an inherited $1M IRA can push your tax rate from 23% to 37%. Learn the rules to avoid IRS penalties under the 10-year rule. Retirement Checklist: https://bit.ly/4sctP23 Get your Modern Confidence Score: https://bit.ly/4dDsH1u Meet with us: https://bit.ly/4ztxACH Education center: https://bit.ly/4evqJ3r Chapters: 01:06 - The Non-Spouse Inherited IRA Tax Trap: Why a $1M gift creates a tax liability 6:21 - The Death of the Stretch IRA: How the SECURE Act eliminated lifetime distributions 8:11 - The Trust Tax Trap: Why naming a trust triggers a 37% tax rate at just $16,000 9:45 - The Required Beginning Date (RBD) Rule: April 1st after age 73 14:38 - How to talk to aging parents about their traditional IRA tax liability 24:02 - 3 Strategies for beneficiaries inheriting an IRA 32:16 - Why any estate plan or trust drafted before 2020 should be updated immediately Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG https://youtu.be/0aTNMm24d3g https://youtu.be/AnHLRhM2xw8 https://youtu.be/A0qJfqNXG7k Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, insurance, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

October 15, 202625 min

Will Social Security Be There When I'm Eligible for It?

Social Security's trust fund faces depletion by Q4 2032, triggering a potential 22% haircut. Discover how to stress-test your benefit and avoid panic filing. Retirement Checklist: https://bit.ly/3VLNcTw Get your Modern Confidence Score: https://bit.ly/4dxY3Xo Meet with us: https://bit.ly/4yN0Ynx Education center: https://bit.ly/4e4L1Re Chapters: 1:18 - Is Social Security actually going away or is it fear-mongering? 2:21 - How does the 12.4% pay-as-you-go payroll tax work? 3:30 - What is the $184,500 wage cap and why is Congress debating it? 6:51 - Why am I being taxed on my Social Security benefits? 8:41 - What happens if Congress does nothing? The 22% benefit haircut 12:30 - Should I claim Social Security at 62 to get my money before it runs out? 16:40 - Myth 1: Is Social Security going completely bankrupt? 17:52 - Myth 2: Did Congress raid and steal the Social Security trust fund? 19:15 - Myth 3: If I am under 40, will Social Security be completely gone? 20:56 - Myth 4: Does filing early protect me from future benefit cuts? Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG https://youtu.be/0aTNMm24d3g https://youtu.be/AnHLRhM2xw8 https://youtu.be/A0qJfqNXG7k Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, insurance, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

October 8, 202630 min

Longevity Risk in Retirement: Could I Outlive My Savings?

Discover the 10 stress tests and 3-bucket strategy that could potentially help prevent you from outliving your savings? Retirement Checklist: https://bit.ly/3UdQwX2 Get your Modern Confidence Score: https://bit.ly/4AVnCeL Meet with us: https://bit.ly/4s12Bvm Education center: https://bit.ly/4jKQXCw Chapters: 0:00 - When are you going to die? The number one risk in retirement. 1:40 - What is longevity risk and why does it amplify all other retirement risks? 4:02 - What are the 10 core areas you must stress-test in your financial plan? 11:38 - What is sequence-of-returns risk and why does withdrawal timing matter? Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/eBYkoJ6DMGU?si=wYYCvEvzbAm7wj8m https://youtu.be/vIdzcu2ayz8?si=GkuS9Wx9rk9ORpyG https://youtu.be/0aTNMm24d3g https://youtu.be/AnHLRhM2xw8 https://youtu.be/A0qJfqNXG7k Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, insurance, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

October 1, 202633 min

Taxes on Retirement Income: What Taxes Will I Pay in Retirement?

Uncle Sam is your silent partner in retirement. Learn 5 tax strategies, and other helpful information regarding retirement taxes. Retirement Checklist: Retirement Plan Checklist: https://bit.ly/3TcNXnS Get your Modern Confidence Score: https://bit.ly/4dhfdIF Meet with us: https://bit.ly/4hAIYFz Education center: https://bit.ly/3W1U52Y Chapters: 0:00 - Cold Open: How $1 over an IRMAA bracket spikes your Medicare premium 3:44 - 5 Bite-Sized Segments: Managing your retirement tax bill 6:15 - Why withdrawals from pre-tax 401(k)s and IRAs are taxed as ordinary income 12:20 - 2026 Tax Rules: Standard deductions and the $6,000 Senior Tax Deduction 17:24 - What is Tax Gain Harvesting and how do I reset my stock cost basis? 27:10 - What is Medicare IRMAA and how does $1 over the bracket trigger a cliff? 29:05 - How to appeal Medicare IRMAA surcharges using IRS Form SSA-44 Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/V6WM3iE0iow https://youtu.be/A0qJfqNXG7k https://youtu.be/AnHLRhM2xw8 https://youtu.be/ETdot5JU504 Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, insurance, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

September 24, 202625 min

Long-Term Care Planning: A 5-Step Checklist to Understand Your Options

59 million family caregivers deliver $1 Trillion in unpaid care annually. Learn the 5-step checklist to supervise care without draining your nest egg. Retirement Checklist: Retirement Plan Checklist: https://bit.ly/4y60QiE Get your Modern Confidence Score: https://bit.ly/3Tgx6QW Meet with us: https://bit.ly/4xC93tY Education center: https://bit.ly/4AmJvmX Chapters: 0:00 - Reaction Video: Why long-term care tears unprepared families apart 1:02 - Introducing the 5-Step Long-Term Care Checklist 3:10 - Step 1: What is long-term care and what options exist beyond nursing homes? 6:18 - Step 2: What is the true financial cost of nursing homes and in-home care? 9:57 - Step 3: How do I stress-test my retirement plan for a $130,000/year care stay? 15:04 - Step 4: What are the 5 main options for funding long-term care? 21:48 - Step 5: How do I hold a family meeting so my kids supervise care instead of providing it? Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BShJFw8MmK4 Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

September 17, 202624 min

5 Burning Retirement Questions to Address

Unplanned RMDs and category inflation can double your living costs and trigger Medicare surcharges. In today's episode we tackle 5 Retirement Plan Checklist Items! Retirement Checklist: Retirement Plan Checklist: https://bit.ly/4yC6sAR Get your Modern Confidence Score: https://bit.ly/4huGyJI Meet with us: https://bit.ly/4xtqtZy Education center: https://bit.ly/4yifnrL Chapters: 0:00 - Retirement Roulette: Spinning the Retirement Planning Checklist 0:41 - Topic 1: Why will my taxes and Medicare premiums increase in retirement? 4:05 - Topic 2: How do I plan a flexible budget for travel and unplanned home repairs? 7:08 - Topic 3: Why did stocks and bonds drop together and how do I fix my fixed income? 11:25 - Topic 4: What is the correct tax withdrawal order for my 3 account buckets? 17:50 - Topic 5: How does category-specific inflation double my cost of living? Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw Sources available on request. Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

September 10, 202626 min

The SECURE Act 10-Year Rule: Getting Uncle Sam Out of Your IRA

The SECURE Act requires most inherited IRAs to be emptied in 10 years. Learn how to navigate RMD rules and the potential 25% IRS tax penalty. Get your Modern Confidence Score: https://bit.ly/4xGJHf6 Meet with us: https://bit.ly/4ykyDnK Education center: https://bit.ly/46bP75V 0:45 - Welcome to America's Wealth Management Show with Dean Barber RFC® & Chris Rett CFP®. 2:05 - What is the SECURE Act 10-Year Rule for inherited IRAs? 4:30 - How did the 2019 SECURE Act eliminate the original Stretch IRA strategy? 7:07 - What is the IRS excise tax penalty if I miss an inherited IRA distribution? 8:57 - Why inheriting an IRA during my peak earning years creates a major tax trap 13:08 - Why is Congress using inherited IRAs as a hidden "death tax"? Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw Sources: https://www.irs.gov/pub/irs-drop/td-10001.pdf https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

September 3, 202626 min

5 Wealth Protection Strategies for Your Retirement

Discover 5 wealth protection strategies that could possibly defend your nest egg against crashes, taxes, and inflation. Get your Modern Confidence Score: https://bit.ly/4iKfirz Meet with us: https://bit.ly/46Bny5U Education center: https://bit.ly/4cUSIsC Video Chapters: 0:33 - Introduction: 5 Wealth Protection Strategies with Dean Barber & Chris Rett 1:37 - Strategy 1: How do I avoid unnecessary market and concentration risk? 12:17 - Strategy 2: How do my CFP and CPA work together to lower my lifetime taxes? 15:14 - Strategy 3: How do I audit my risk profile? 18:58 - Strategy 4: How do I plan for healthcare and memory care inflation? 21:50 - Strategy 5: How do I structure my estate plan to pass wealth to my heirs? 24:24 - Conclusion: Defending what you've built Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw Sources: • https://statoasis.com/post/sp500-drawdowns-since-1870 • https://www.usinflationcalculator.com/inflation/historical-inflation-rates/ ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

August 27, 202624 min

Average 401(k) Balance by Age: How Much Should I Have Saved for Retirement?

Get your Modern Confidence Score: https://bit.ly/4y1uF3c Meet with us: https://bit.ly/3Ug5P1e Education center: https://bit.ly/46lcMAK Asking how much money you need to retire is the wrong question. Learn how to calculate the exact income gap needed to make work optional. Video Chapters: 0:00 - How much do I need to retire? 0:58 - What does it mean to make work optional? 2:03 - Vanguard 401(k) Data: Why average balances mask median realities 3:08 - Necessary vs. Discretionary Spending: Mapping your lifestyle 6:42 - $3M with no plan vs. $1.5M with a plan 9:48 - Why $1 Million in a Traditional IRA is not $1 Million in a Roth 13:09 - How do I calculate my financial independence gap? 18:13 - Managing the 5 biggest retirement risks: Inflation, taxes, and market drops Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw Sources: https://workplace.vanguard.com/insights-and-research/report/how-america-saves-2026.html?cmpgn=IIG:TL:HAS:HAS26:SRCH:PS:UF:TL:GG:Unknown:Exact:TLEAD:20260616:BD:NONE:NONE:KW:AmericaSavesReport&gclsrc=aw.ds&gad_source=1&gad_campaignid=17413933188&gbraid=0AAAAADx4guzAuPHqjyjSbxL4X5ag-L7BD&gclid=Cj0KCQjwnbrUBhDOARIsAKKhPpe5nxyXM6HUklKpp97Q0sCUjcYJ4WOUtZb9VO-TfRDyo98mPxRAmTgaArWsEALw_wcB ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

August 20, 202632 min

What to Do After a Spouse Dies: How Does it Impact Retirement?

Get your Modern Confidence Score: https://bit.ly/4wAEhkA Meet with us: https://bit.ly/4gnASj0 Education center: https://bit.ly/4xP2l44 When a spouse passes away, taxes spike and 401(k) rules trigger. Learn the 30-day checklist and critical landmines to protect your surviving family. Video Chapters: 00:00 - Case Study: How a missing ERISA waiver disinherited three adult children. 01:05 - What do I do first when my spouse passes away? 07:05 - First 30 Days Checklist: How many death certificates do I actually need 11:05 - Why do beneficiary designations on 401(k)s override my Will or Revocable Trust? 19:22 - The Single Filer Tax Trap: Why taxes spike after losing a partner 25:20 - Will my estate be forced into public probate court without a trust? Send us a questions to be featured on the show at: Questions@modwm.com For more educational content visit: https://www.youtube.com/@MeetModernWealth Check out our other videos: https://youtu.be/BdM-15mxEDM?si=D7AftiJLLwiyPU0f https://youtu.be/O-nGasrm5HE?si=Mup8P2NTi13R9-2Q https://youtu.be/BL2pmLI8dRw Sources: https://www.irafinancial.com/blog/beneficiary-forms-self-directed-ira-solo-401k/ https://finance.yahoo.com/markets/options/articles/2-1-trillion-sits-31-153318096.html?guccounter=1 https://www.congress.gov/crs-product/R43637 ______ Investment advisory services offered through Modern Wealth Management, LLC, a registered investment adviser. The views expressed represent the opinion of Modern Wealth Management, a Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.

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