Retirement Answers
Retirement Answers is a podcast built to help you succeed in retirement. The thought of retirement can be overwhelming and downright scary for many... but it doesn't have to be! The goal of this podcast is to provide thoughtful insights and strategies to give you the confidence you need to retire successfully. At the end of the day, my ultimate goal for my clients and podcast listeners is to live a fulfilling retirement. Follow along as I publish a new episode each week covering everything from retirement income planning, tax planning, Social Security, insurance planning, investing, and much more. Here's...
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9 Things You Can Do With Your HSA in Retirement (And What You Can’t)
<p>So you have a large HSA in retirement, but what can you really do with it?</p><p>HSAs are perhaps the most tax-advantaged account out of them all... Better than IRAs and Roth IRAs because an HSA is triple-tax advantaged. You get to deduct contributions from your income, the account grows tax-free, and you can take money from the account tax-free for qualified medical expenses. But in retirement, there are a few other things that you can use an HSA for and that's what I cover in this episode.</p><p>👉 Work With Us: https://www.rivertreewealth.com/get...
Most Retirees Don’t Realize They Can Pay No Taxes Using This Strategy
<p>What if you could pull $100,000 from your portfolio this year to live on, but only $30,000 or $40,000 of it actually counted as taxable income? It sounds too good to be true, but for a lot of retirees, it's completely possible. In this episode, I break down a strategy called income stacking, how to pull from cash, brokerage, IRA, and Roth accounts in the right combination, and why paying $0 in taxes isn't always the smartest move.</p><p><br></p><p>Tune into this episode to find out:</p><p>(00:18) The $100,000 question: what if only $30–40K of it was actually taxable?</p>...
Working One More Year is Costing You More Than You Realize
<p>Have you been telling yourself you’ll “just work one more year” to make retirement feel safer? In this episode, Jacob Duke explains that the tradeoff isn’t just financial.</p><p>Jacob walks through five overlooked costs of working one more year an he encourages listeners to build a real plan to determine whether retiring sooner is already possible and to weigh what they’re giving up by delaying.</p><p>👉 Book a call with me: https://www.rivertreewealth.com/get-started</p><p>✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers</p><p>Email: jacob@rivertreewealth...
How Much Cash Should You Hold in Retirement? (2026 Update)
<p>How much cash should you have set aside as you enter the early years of retirement so you can weather market downturns without constant worry? In this episode of Retirement Answers, Jacob Duke explains Rivertree’s bucket strategy: keep two years of portfolio-withdrawal needs in cash (money market) and three years in short-duration fixed income to create a five-year runway, while avoiding being overly conservative and losing purchasing power to inflation. He also walks through how to take withdrawals in practice—generally pulling from what has gone up the most or down the least—and how to proactively replenish cash a...
Does My Roth 401k Satisfy The 5-Year Roth IRA Rule?
<p>Have you been contributing to a Roth 401(k) for years and assumed that time counts toward the Roth IRA five-year rule when you roll it over?</p><p>👉 Book a call with me: https://www.rivertreewealth.com/get-started</p><p>✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers</p><p>Email: jacob@rivertreewealth.com<br>Website: https://www.rivertreewealth.com<br>LinkedIn: https://www.linkedin.com/in/jacobduke</p><p>Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.</p><p>DISCLAIMER: This should not be taken as ta...
Stop Saving For Retirement... (Here's Why)
<p>Do you really need to be saving more for retirement? What if it's costing you something you can't get back? Join me in this episode to hear a different perspective on how much you should be saving for retirement.</p><p>👉 Book a call with me: https://www.rivertreewealth.com/get-started</p><p>✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers</p><p>Email: jacob@rivertreewealth.com<br>Website: https://www.rivertreewealth.com<br>LinkedIn: https://www.linkedin.com/in/jacobduke</p><p>Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of th...
Are You Waiting Too Long to Sell Winning Investments?
<p>Why haven't you sold that investment that has made you a lot of money? What's stopping you? I'm hearing the question "What should I do with my big winners?" a lot more lately, so I wanted to give you some ideas on how to think about this.</p><p>👉 Book a call with me: https://www.rivertreewealth.com/get-started</p><p>✅ Get your Important Numbers 2025 PDF here: https://www.rivertreewealth.com/2025-important-numbers</p><p>Email: jacob@rivertreewealth.com<br>Website: https://www.rivertreewealth.com<br>LinkedIn: https://www.linkedin.com/in/jacobduke</p><p>Jacob Duke, CFP, MBA is the f...
What Are the Best Strategies for Reducing RMDs?
<p>Are you worried that required minimum distributions (RMDs) could force unnecessary taxable income and shrink your hard-earned retirement savings? In this episode of Retirement Answers, Jacob Duke explains when RMDs become a real problem, offers a quick rule of thumb based on how much you hold in tax-deferred accounts, and walks through five ways to reduce future RMDs.</p><p>👉 Book a call with me: https://www.rivertreewealth.com/get-started</p><p>✅ Get your Important Numbers 2025 PDF here: https://www.rivertreewealth.com/2025-important-numbers</p><p>Email: jacob@rivertreewealth.com<br>Website: https://www.rivertreewealth.com<br>LinkedIn: https://www.linke...
The 4% Rule Is A Terrible Retirement Income Strategy (Here's Why)
<p>Have you ever wondered if certain beliefs or rules of thumb about retirement could actually jeopardize your future instead of secure it? In this episode, Jacob breaks down the 4% and why it doesn't make sense in real life.</p><p>👉 Book a call with me: https://www.rivertreewealth.com/get-started</p><p>✅ Get your Important Numbers 2025 PDF here: https://www.rivertreewealth.com/2025-important-numbers</p><p>Email: jacob@rivertreewealth.com<br>Website: https://www.rivertreewealth.com<br>LinkedIn: https://www.linkedin.com/in/jacobduke</p><p>Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the R...
The Lie That's Holding You Back From Retirement
<p>You've got the savings, the spreadsheet, maybe even the perfect retirement date circled on your calendar, so what's actually holding you back? In this episode, I get honest about the real reason so many people delay retirement, and it's not the money. I share two personal stories and the mindset shift that can help you finally step forward.</p><p><br></p><p>👉 Work With Us: https://www.rivertreewealth.com/get-started </p><p><br></p><p>✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers </p><p><br></p><p>Email: jacob@rivertreewealth.com </p><p>Website: https...
