A Smarter Way To Retire with Tony Leonardi, CFP® – Détails, épisodes et analyse

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A Smarter Way To Retire with Tony Leonardi, CFP®

Anthony Leonardi

Business & Entrepreneuriat

Fréquence : 1 épisode/7j. Total Éps: 83

A Smarter Way to Retire is your guide to building a confident financial future. Hosted by Tony Leonardi, CFP® this podcast breaks down the key steps to retirement planning in a clear, actionable way. Whether you’re approaching retirement or already there, you’ll get expert insights on financial modeling, wealth preservation, and making informed decisions for your future. Tune in for practical advice, thoughtful discussions, and a smarter way to retire. See website for full disclosures: www.LeonardiFamilyWealthcare.com

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Données mises à jour le 18/09/2026

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https://LeonardiFamilyWealthcare.com
8 partages
https://www.leonardifamilywealthcare.com
7 partages
https://LeonardiFamilyWealthcare.com/2025-retirement-reset-checklist
6 partages

https://open.spotify.com/show/643N9lbuQYiXXc188Rb1z8
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https://open.spotify.com/show/643N9lbuQYiXXc188Rb1z8.
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https://podcasts.apple.com/us/podcast/a-smarter-way-to-retire/id1793796703
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September Tax Planning 2026: Don’t Wait Until December for RMDs, Roths & IRMAA

Saison 1 · Épisode 84

vendredi 11 septembre 2026 • Durée 12:09

December 31 is the deadline. September is when the work should get done.

In this episode of A Smarter Way to Retire, Tony Leonardi, CFP®, walks through why last-minute IRA withdrawals and Roth conversions can create April tax surprises — and Medicare IRMAA surcharges two years later. We use ahypothetical couple, Tom and Diane, to show what a napkin calculation misses: gains already taken, RMDs still due, and IRMAA cliffs.

What we cover:
• Why 2026 income can affect 2028 Medicare premiums
• How to build a year-to-date income picture before adding more taxable income
• RMD timing, including first-year delays that can stack two withdrawals
• QCDs for 2026 (limit $111,000 per person) and why paperwork should start now
• Roth conversions as a full-year decision, not a December reflex
• Tax-loss harvesting in taxable accounts before year-end
• Why DIY spreadsheets often miss the combined tax, RMD, and IRMAA effect

Book a complimentary 15-minute Fit Call:
https://calendly.com/anthony-leonardi-leonardifwc/retirement

Free Roth IRA Conversion Playbook (2026 Edition):
https://www.fmgwebsites.com/d54859da-0e12-4038-be06-9bd78dad323b/roth-ira-conversion-playbook-2026-edition

Smart Tax Shield Legacy Playbook:
https://www.fmgwebsites.com/d54859da-0e12-4038-be06-9bd78dad323b/smart-tax-shield-legacy-playbook

Website and disclosures:
https://www.leonardifamilywealthcare.com

Listen on Apple Podcasts:
https://podcasts.apple.com/us/podcast/a-smarter-way-to-retire/id1793796703

Listen on Spotify:
https://open.spotify.com/show/643N9lbuQYiXXc188Rb1z8

Subscribe for weekly retirement income planning, tax-efficient retirementstrategies, and Social Security / RMD education.

#RetirementPlanning #TaxEfficientRetirement #RothConversion #RMD #IRMAA #QCD#RetirementIncomePlanning #CFP #ASmarterWayToRetire

Please see LeonardiFamilyWealthcare.com for full disclosures. Educationalcontent only. Not tax, legal, or personalized investment advice.

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End-of-Summer Money Check-In: Are You Still On Track for 2026?

Saison 1 · Épisode 83

lundi 7 septembre 2026 • Durée 11:04

Labor Day weekend is the unofficial end of summer — and a useful moment to check whether 2026 is still on track.

Tony Leonardi, CFP®, covers summer spending, cash reserves, and a simple four-part review of income, spending,investments, and taxes.

Enjoy the barbecue, then make one adjustment for fall if you need it.

Next week: year-end tax planning.

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Don’t Leave Your IRA to Your Kids… Do This Instead | Tax-Efficient Retirement Legacy Planning

Saison 1 · Épisode 82

vendredi 28 août 2026 • Durée 15:05

Leaving a large traditional IRA to your kids can be one ofthe most expensive retirement mistakes a family makes. In this episode of *A Smarter Way to Retire*, Tony Leonardi, CFP®, explains the difference betweenthe tax you pay on withdrawals during your lifetime and the tax your heirs may pay on the remaining pre-tax balance under the 10-year rule.

A traditional IRA is tax-deferred, not tax-free. You pay taxon what you take out. What is still in the account at death is still pre-tax —and most non-spouse heirs generally must empty that remaining balance within 10 years.

If you have a sizable IRA or 401(k) you don’t need to spend,this episode will change how you think about Leave-On assets, inherited IRAs, and tax-efficient legacy planning.

You’ll learn:

• Why inherited traditional IRAs do not get a step-up inbasis

• How the 10-year rule can push your kids into higher taxbrackets

• The difference between Live-On assets and Leave-Onassets

• Why you usually cannot maximize tax savings for yourselfand your heirs at the same time

• 4 strategies that may help: spend the IRA first, Rothconversions, distribute and reinvest, and the Smart Legacy Tax Shield

Example discussed: a $1.5 million IRA that grows to about$2.1 million — with a potential tax bill of $700,000 to $850,000 for the next generation.

Free resources:

📘 Book: *A Smarter Way toRetire* — https://www.leonardifamilywealthcare.com

📘 Smart Tax Shield LegacyPlaybook — https://www.leonardifamilywealthcare.com

📘 Roth IRA ConversionPlaybook, 2026 Edition —https://www.leonardifamilywealthcare.com/roth-ira-conversion-playbook

Reverse Dollar Cost Averaging & The 50/100 Rule

Saison 1 · Épisode 81

vendredi 21 août 2026 • Durée 12:30

Once you retire, investing becomes a differentgame. Market drops no longer help you buy more shares — they force you to sell more shares.

Combined with the 50/100 Rule, early volatility can permanently damage a retirement plan.

In this episode, Tony Leonardi explains the twoforces working against retirees and what you can do about them.

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Stress-Testing Your 3-Bucket Retirement Plan

Saison 1 · Épisode 80

vendredi 14 août 2026 • Durée 11:10

Most retirement plans look fine when everything goes smoothly. Real life rarely does.

In this episode of A Smarter Way to Retire, Tony Leonardi walks through how to stress-test a three-bucket retirement income plan against the challenges that actually show up:

• Sequence of returns risk in the early years

• Higher inflation

•Longevity (living into your 90s or beyond)

• Elevated spending periods

• Asset allocation inside each bucket

• Combined stresses

You’ll also get a quick review of the three buckets and see why this structure is built with difficult conditions in mind.

Timestamps:

0:00 – Introduction & garden update

1:45 – Quick review of the 3-bucket approach

4:30 – Why stress-testing matters

6:15 – Key scenarios we test

11:40 – How the three buckets respond under stress

14:20 – Practical example

16:30 – What to do with the results

18:00 – Next steps & Smart Retirement Model

Want to see how your own plan holds up? Book a complimentary 15-minutecall: LeonardiFamilyWealthcare.com

#RetirementPlanning #ThreeBucketStrategy #SequenceOfReturns#RetirementIncome #TonyLeonardiCFP

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Withdrawal Strategies from the 3 Retirement Buckets | How to Take Income the Smart Way

Saison 1 · Épisode 79

vendredi 7 août 2026 • Durée 14:40

How should you actually withdraw money from your retirement savings once you stop working?

In this episode, I walk through practical withdrawalstrategies using the three-bucket retirement income approach. You’ll learn:

- Why you should generally spend from Bucket 1 first

- How to refill Bucket 1 without increasing risk

- The “slow drip” method using dividends and interest

- Why Bucket 3 should usually be protected

- How tax location fits into the three-bucket framework

- Common withdrawal mistakes that can quietly damage aplan

This is the natural follow-up to last week’s episode on howto invest each of the three buckets.

If you’d like to see how this strategy could work with yourown numbers, I’m offering to build your Smart Retirement Model at no cost or obligation while openings remain.

Book a quick call here:https://www.leonardifamilywealthcare.com

Subscribe for weekly retirement planning insights.

There really is a smarter way to retire.

#RetirementIncome #RetirementPlanning #ThreeBucketStrategy#SequenceOfReturns #TonyLeonardiCFP

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Why You Shouldn’t Invest All Your Retirement Money the Same Way

Saison 1 · Épisode 78

samedi 1 août 2026 • Durée 12:22

Once you’ve organized your retirement savings into threebuckets, the next important question is how to invest the money *inside* each one.

In this episode, Tony Leonardi, CFP® explains why a singleallocation (like 60/40 or 70/30) applied to your entire portfolio often fallsshort — and how matching investment strategy to the job of each bucket cancreate a more intentional approach.

You’ll learn:

- Why investing *in* retirement is different from investing*for* retirement

- How the Early Retirement Income Bucket is generallyinvested more conservatively for stability and availability

- Why the Longer-Term Live On Bucket often uses a balancedor moderately growth-oriented mix

- How the Leave On Bucket can support a higher growthallocation due to its longer time horizon

- Key principles and common mistakes when applying amulti-bucket investment approach

This discussion is high-level and educational. The rightinvestment mix depends on individual circumstances, risk tolerance, time horizon, and overall plan. Actual investment decisions should be made as part of a coordinated strategy with your advisor.

**Free Resources:**

- Take the Smart Retirement Strategy Quiz:LeonardiFamilyWealthcare.com/quiz

- Download the Roth IRA Conversion Playbook (Free)

- Download the Smart Tax Shield Legacy Playbook (Free)

**Timestamps:**

00:00 – Introduction & Series Recap

01:41 – Keeping the Discussion High-Level

How to Fund Your 3 Retirement Buckets Tax-Efficiently

Saison 1 · Épisode 76

vendredi 24 juillet 2026 • Durée 13:53

Once you’ve organized your retirement savings into three buckets, the next important step is learning how to fund them in a tax-efficient way.

In this episode, Tony Leonardi, CFP® explains how to strategically fill each of the three buckets — the Early Retirement Income Bucket, the Longer-TermLive On Bucket, and the Leave On Bucket — while considering taxes, RMDs, IRMAA, and legacy planning.

You’ll learn:

-Why the best way to fund each bucket depends on your specific situation

-When it makes sense to use taxable vs. tax-deferred accounts in Bucket 1

-How to use Roth conversions and strategic withdrawals in Bucket 2

-Why Bucket 3 is often ideal for Roth conversions and legacy strategies

Free Resources:

-Take the Smart Retirement Strategy Quiz:LeonardiFamilyWealthcare.com/quiz

-Download the Roth IRA Conversion Playbook (Free)

-Download the Smart Tax Shield Legacy Playbook (Free)

Timestamps:

04:47 – Bucket 1: Early Retirement Income Bucket Funding09:21 – Bucket 2: Longer-Term Live On Bucket Strategies 12:37 – Bucket 3: Leave On Bucket & Legacy Planning 14:18 – Key Principles for Tax-EfficientFunding

16:44 – Why Personalization Matters + CTA

If you’d like help building and funding your own 3-bucket retirement plan, book a complimentary 15-minute call at LeonardiFamilyWealthcare.com.

#RetirementPlanning #TaxEfficientRetirement #3BucketStrategy#RothConversions #SmartRetirement

The 3-Bucket Retirement Strategy Most People Are Missing

Saison 1 · Épisode 76

vendredi 17 juillet 2026 • Durée 10:42

Most people only think about two buckets of retirement money— what they’ll spend and what they’ll leave to their kids. But there’s a critical third bucket that can make a significant difference, especially in the early years of retirement.

In this episode, Tony Leonardi, CFP® explains why adding an**Early Retirement Income Bucket** (designed to cover the first 3–5 years of retirement spending) can be helpful for **helping to protect** against Sequenceof Returns Risk.

You’ll learn:

- Why the traditional two-bucket approach is often notenough

- How Sequence of Returns Risk can impact early retirement

- The purpose of the Early Retirement Income Bucket

- How the 3-bucket system gives you better clarity andstructure

This episode builds on our conversation about Live On vsLeave On assets and introduces a practical framework for the early years of retirement.

Free Resources:

- Take the Smart Retirement Strategy Quiz →LeonardiFamilyWealthcare.com/quiz

- Book a complimentary Smart Retirement Model call

If you’re within 5 years of retirement or recently retired,this is an episode you won’t want to miss.

#RetirementPlanning #SequenceOfReturns #3BucketStrategy#EarlyRetirement

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How to Handle Long-Term Care Without Paralyzing Your Retirement Plan

Saison 1 · Épisode 75

vendredi 10 juillet 2026 • Durée 08:47

Many people know long-term care is expensive and that theymight need it one day, but they haven’t actually addressed it in their retirement plan. As a result, the concern often lingers in the background like a dark cloud.

In this episode, Tony Leonardi, CFP® explains how to stopavoiding the issue and start dealing with it practically using the Live On vs Leave On framework.

You’ll learn:

- Why leaving long-term care unaddressed creates unnecessarystress

- How to quantify the potential cost of care

- Three realistic ways to handle long-term care:Self-insuring with Leave On assets, Traditional long-term care insurance, andHybrid (asset-based) policies

- The pros and cons of each approach and how they impactyour overall plan

If you’ve been putting off long-term care planning becauseit feels overwhelming, this episode will help you think about it more clearly and make a conscious decision.

**Free Resources:**

- Take the Smart Retirement Strategy Quiz:LeonardiFamilyWealthcare.com/quiz

- Download the Roth IRA Conversion Playbook and Smart TaxShield Legacy Playbook (free on our website)

**Timestamps:**

00:00 – Introduction

01:45 – Why Long-Term Care Planning Often Gets Ignored

04:20 – Step 1: Quantify the Potential Cost

06:10 – Option 1: Self-Insuring with Leave On Assets

08:45 – Option 2: Traditional Long-Term Care Insurance

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A Smarter Way To Retire with Tony Leonardi, CFP® – Détails, épisodes et analyse

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