Rethink Retirement: Efficient Moves for Taxes, Timing, and Portfolio Shifts

Money Matters With Wes Moss

On today’s episode of the Money Matters Podcast, Wes Moss and Christa DiBiase unlock powerful retirement and investment moves that could help shape your financial future. Today, they:

• Explore how a couple with $5M in assets can consider early retirement while balancing tuition payments and uncertain markets.

• Calculate the power of the 4% rule and see how $5M can potentially yield $200,000 annually in sustainable withdrawals.

• Learn why emotional timing and slow investing may not always serve you best in today's interest rate environment.

• Discover the real purpose of a financial manager—and why it's not about “beating” the S&P 500.

• Examine the peace of mind that can come come from a 6-9 month investment strategy instead of stretching it over years.

• Hear from a retired law enforcement officer with a $4,200/month pension weighing travel vs. keeping property—find out why selling his home may unlock nearly $90K/year in income.

• Understand how capital gains exclusions might work when selling a primary residence before moving abroad.

• Get clarity on using the new 529-to-Roth rollover rule—how parents can repurpose unused college funds for their working children.

• Adjust your withdrawal strategy based on life expectancy—learn how shorter horizons (like 20 years) might allow for higher withdrawal rates, up to 5.5%.

• Evaluate pension options that vary in payout length and amount—see how selecting the right one could impact your long-term cash flow.

• Align retirement timing with market conditions—hear why one couple may want to delay retirement to avoid locking in stock losses.

• Balance equity-heavy portfolios before retirement to help avoid relying too heavily on market performance.

• Plan major home renovations before retiring—discover why waiting could turn into a costly trap.

• Examine harnessing low-income years to help strategically harvest long-term capital gains—while possibly staying in the 0% tax bracket.

• Use tax loss harvesting to offset gains and rebalance portfolios more efficiently.

• Hear a real success story: consistent $1,000/month investing for 20 years yields over $2M—now learn how to effectively shift from aggressive to conservative assets.

• Understand the difference between Roth contributions and Roth conversions—and avoid costly mix-ups.

👉 **Don’t miss this episode if you're ready to take control of your retirement with purpose, clarity, and confidence. Listen, download, and **SUBSCRIBE!