Explore every episode of the podcast A Smarter Way To Retire with Tony Leonardi, CFP®
| Title | Pub. Date | Duration | |
|---|---|---|---|
| September Tax Planning 2026: Don’t Wait Until December for RMDs, Roths & IRMAA | 11 sept. 2026 | 00:12:09 | |
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: Book a complimentary 15-minute Fit Call: Free Roth IRA Conversion Playbook (2026 Edition): Smart Tax Shield Legacy Playbook: Website and disclosures: Listen on Apple Podcasts: Listen on Spotify: 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? | 07 sept. 2026 | 00:11:04 | |
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. | |||
| Don’t Leave Your IRA to Your Kids… Do This Instead | Tax-Efficient Retirement Legacy Planning | 28 août 2026 | 00:15:05 | |
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
Want to see how much of your portfolio is Live-On vsLeave-On? Book a complimentary 15-minute call and Smart Retirement Model (while calendar openings last): 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 retirement strategies, and legacy planning. Please refer to the website for full disclosures andadditional resources.
#RetirementPlanning #TaxEfficientRetirement #InheritedIRA#RothConversion #EstatePlanning #CFP #ASmarterWayToRetire #LegacyPlanning #RMD#WealthPreservation
This content is for educational purposes only and should notbe considered tax, legal, or investment advice. Life insurance and annuitiesare long-term products subject to underwriting and the claims-paying ability ofthe issuing company. Results vary based on individual circumstances. | |||
| Reverse Dollar Cost Averaging & The 50/100 Rule | 21 août 2026 | 00:12:30 | |
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. | |||
| Stress-Testing Your 3-Bucket Retirement Plan | 14 août 2026 | 00:11:10 | |
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 | |||
| Withdrawal Strategies from the 3 Retirement Buckets | How to Take Income the Smart Way | 07 août 2026 | 00:14:40 | |
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 | |||
| Why You Shouldn’t Invest All Your Retirement Money the Same Way | 01 août 2026 | 00:12:22 | |
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 03:05 – The Common Mistake of One-Size-Fits-AllAllocations 04:18 – Why the 3-Bucket Framework Helps 04:47 – Bucket 1: Early Retirement Income Bucket 06:48 – Bucket 2: Longer-Term Live On Bucket 08:55 – Bucket 3: Leave On Bucket 10:35 – Key Principles for Investing Across the Buckets 12:22 – Common Mistakes to Avoid 13:43 – The Role of Financial Modeling 14:23 – Quiz, Playbooks & Next Steps
If you’d like to explore how a three-bucket investmentapproach might apply to your situation, you can book a complimentary 15-minutecall at LeonardiFamilyWealthcare.com.
Please refer to the website for full disclosures andadditional resources.
#RetirementPlanning #3BucketStrategy #AssetAllocation#RetirementInvesting #SmartRetirement
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| How to Fund Your 3 Retirement Buckets Tax-Efficiently | 24 juil. 2026 | 00:13:53 | |
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)
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 | 17 juil. 2026 | 00:10:42 | |
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 | |||
| How to Handle Long-Term Care Without Paralyzing Your Retirement Plan | 10 juil. 2026 | 00:08:47 | |
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 11:20 – Option 3: Hybrid / Asset-Based Policies 14:30 – Final Thoughts & Smart Retirement Model Offer
If you have substantial retirement savings and want helprunning the numbers on long-term care, book a complimentary 15-minute call atLeonardiFamilyWealthcare.com.
#LongTermCare #RetirementPlanning #LiveOnVsLeaveOn#TaxStrategy #LegacyPlanning | |||
| How to Structure Your Retirement Savings for Both You and Your Heirs | 29 juin 2026 | 00:36:34 | |
Most retirees make one costly mistake — they treat all their retirement savings the same way. But not all retirement dollars have the same purpose. In this webinar, Tony Leonardi, CFP®, explains the critical distinction between Live On Assets (money you’ll spend during retirement) and Leave On Assets (money intended for your children and grandchildren). You’ll learn: -Roth IRA Conversion Playbook (2026 Edition) -Smart Tax Shield Legacy Playbook -Smart Retirement Strategy Quiz (18 unique retireeprofiles) Free Resources Mentioned:
-Smart Tax Shield Legacy Playbook -Smart Retirement Strategy Quiz (18 unique retireeprofiles)
Timestamps: 00:00 – Introduction & Agenda 02:30 – The Costly Mistake Most Retirees Make 05:45 – Live On vs Leave On Assets Explained 09:20 – How We Calculate Your Two Buckets 14:10 – Why This Distinction Matters (Taxes, Risk& Legacy) 20:40 – Real Client Examples ($1.5M and $4M Portfolios) 28:15 – Smart Strategies for Each Bucket 35:00 – The Smart Retirement Strategy Quiz38:20 – Complimentary Smart Retirement Model Offer If you have substantial retirement savings and want a more personalized plan, book a quick 15-minute call with Tony at LeonardiFamilyWealthcare.com. #RetirementPlanning #LiveOnVsLeaveOn #TaxStrategy #LegacyPlanning#RetirementLegacy #SmartRetirement
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| The $1.5 Million Retirement Trap Most Successful Savers Fall Into | 19 juin 2026 | 00:06:25 | |
If you have $1.5 million or more in retirement accounts — and you don’t actually need all of it to live on comfortably — this episode is for you. In this video, Tony Leonardi, CFP®, reveals the hidden problem that affects many successful savers: Without proper planning, the IRS can end up as one of your largest “heirs” — taking two bites at the same retirement savings. You’ll learn: -Why RMDs and the 10-year inherited IRA rule can cost your family hundreds of thousands (or more) in taxes -The critical distinction between Live On assets (for you) and Leave On assets (for your heirs) -How to structure your plan more intelligently for both your lifestyle and your legacy Whether you have strong pension income, substantial non-retirement savings, or simply more in IRAs and 401(k)s than you need, this episode will show you how to avoid the common traps most successful savers fall into. Take the Free Smart Retirement Strategy Quiz Discover which of the 18 retiree profiles best matches your situation: → LeonardiFamilyWealthcare.com/quiz Free Guides Mentioned:
-Smart Tax Shield Legacy Playbook
Timestamps: 00:00 – Introduction: The $1.5M+ Retirement Trap 02:10 – Why the IRS Takes Two Bites at Your Savings 05:30 – Live On vs Leave On Assets Explained09:15 – Real Impact on You and Your Heirs 12:40 – The Smart Retirement StrategyQuiz 14:20 – Next Steps & Complimentary Smart Retirement Model Offer If you have substantial retirement savings and want a smarter, more personalized plan, book a quick 15-minute call with me:LeonardiFamilyWealthcare.com #RetirementPlanning #TaxStrategy #LegacyPlanning #SmartRetirement#HighNetWorth #RetirementTrap | |||
| The Smart Retirement Strategy Quiz – Which of the 18 Profiles Are You? | 12 juin 2026 | 00:08:40 | |
Most retirement advice is too generic. That’s why I created the Smart Retirement Strategy Quiz — it identifies which of the 18 unique retiree profiles best matches your situation. In this episode, Tony Leonardi, CFP® explains the four key questions behind the quiz and shares three common profiles so you can start thinking about where you fit. You’ll learn: Live On vs Leave On assets and why it matters The “two bites” problem with inherited IRAs How your tax focus, charitable goals, and concern about running out of money shape your ideal plan Tailored resources based on your profile (including the Smart Tax Shield Legacy Playbook and Roth Conversion Playbook) Take the free quiz here: https://form.typeform.com/to/jKGvC0CS LeonardiFamilyWealthcare.com Timestamps: 00:00 – Introduction to the Smart Retirement Strategy Quiz 01:30 – The Four Key Questions 04:20 – The Two Bites Problem 06:10 – Three Sample Profiles09:30 – What You’ll Get + Tailored Resources 11:45 – Next Steps & Smart Retirement Model Offer #SmartRetirement #RetirementQuiz #RetirementPlanning #LiveOnVsLeaveOn#TaxStrategy | |||
| Trump Accounts for Kids: Everything Parents & Grandparents Need to Know in 2026 | 05 juin 2026 | 00:16:18 | |
New in 2026 — Trump Accounts (Section 530A) give families apowerful way to save for children and grandchildren with tax-deferred growth and a $1,000 government seed contribution.
In this episode, Tony Leonardi, CFP® breaks down: - Who qualifies and how to open an account - Contribution limits and growth potential (including realnumbers at 6% and 7%) - How Trump Accounts compare to 529 plans, UGMA/UTMA,brokerage accounts, and Roth IRAs - Why grandparents should strongly consider this tool forgenerational wealth
Whether you’re a parent or grandparent, this is one of thebest new opportunities to give kids a financial head start.
**Timestamps:** 00:00 – Introduction to Trump Accounts 02:10 – Key Features & Eligibility 04:30 – How to Open an Account 07:45 – Growth Projections at 6% and 7% 12:20 – Comparison with 529s, UGMA, and Roth IRAs 17:00 – Action Steps & Modeling Offer
Ready to see how this fits into your family plan? Book afree 15-minute call and I’ll run your Smart Retirement Model.
Link: LeonardiFamilyWealthcare.com
#TrumpAccounts #Section530A #SavingForKids#GrandparentWealth #RetirementPlanning #FinancialPlanning | |||
| Charitable Lead Trusts: Reduce Estate Taxes While Supporting Charity | 29 mai 2026 | 00:07:07 | |
If you have a large estate and want to support causes you care about while potentially reducing taxes for your children, a Charitable Lead Trust (CLT) may be worth exploring. In this episode, Tony Leonardi, CFP®, breaks down how Charitable Lead Trusts work, who they’re best suited for, and how they can help reduce the taxable value of assets passed to the next generation. You’ll learn: How a CLT flips the traditional trust structure — paying charity first, then passing remaining assets to your heirs A realistic example of a $42 million estate and how a CLT couldpotentially save $2M – $3.5M+ in estate taxes Key advantages, risks, and important considerations before moving forward Why this strategy is mainly an estate tax tool (not an income tax tool) This is an advanced planning strategy — not for everyone — but it can bevery powerful for the right family. Timestamps: 00:00 – Introduction to Charitable Lead Trusts 01:45 – How a CLT Works03:20 – Real Example: $42 Million Estate 06:10 – Potential Tax SavingsBreakdown 09:30 – Important Risks & Considerations 12:15 – Who ThisStrategy May Be Right For 14:00 – Next Steps & Smart Retirement Model Offer If you're concerned about estate taxes and want to explore smarter ways to support charity while protecting your legacy, this episode is for you. 👉 Ready to see how strategies like thiscould impact your plan? Book a complimentary 15-minute call and I’ll build yourSmart Retirement Model at no cost or obligation: →LeonardiFamilyWealthcare.com Free Resources: • Smart Tax Shield Legacy Playbook → • Roth IRA ConversionPlaybook 2026 → LeonardiFamilyWealthcare.com #CharitableLeadTrust #EstateTaxPlanning #LegacyPlanning#RetirementPlanning #TaxStrategy #CFP | |||
| Charitable Remainder Trusts: Tax-Efficient Strategy for Appreciated Assets | 22 mai 2026 | 00:10:56 | |
Tony Leonardi, CFP®, breaks down Charitable Remainder Trusts (CRTs) — an advanced planning strategy that may help individuals with appreciated assets potentially reduce capital gains taxes, generate lifetime income, and support charitable causes. In this episode, Tony walks through how CRTs work, shares a detailed example of a business owner comparing an outright sale versus using a CRT, and discusses important considerations including irrevocability and whether thisstrategy is a fit for your situation. This episode is designed for educational purposes. Any advanced planning strategy should be reviewed with your full advisory team. | |||
| Why Leave On Assets (Especially IRAs) Are So Tax-Inefficient – And Four Smarter Ways to Fix It | 15 mai 2026 | 00:14:47 | |
If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children. The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to withdraw over 10 years.
In this episode I show you the real cost with clear examplesand introduce four practical strategies under the Smart Legacy Tax Shield that let you pay tax once instead of twice.
Download the free Smart Tax Shield Legacy Playbook Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com
#LeaveOnAssets #SmartLegacyTaxShield #RMD #TaxPlanning#LegacyPlanning #SmartRetirement | |||
| How to Minimize Taxes on Your Live On Assets in Retirement | 08 mai 2026 | 00:12:49 | |
Most retirees never separate their Live On assets (moneythey’ll spend) from their Leave On assets (money for heirs). This one mistake often leads to higher taxes, unnecessary risk, and a smaller legacy.
In this episode I walk through the simple way to calculatethe split and share the four most effective strategies to minimize taxes on the money you actually need to live on — including Roth conversions, QCDs, smart withdrawal sequencing, and proper asset allocation.
Download the free **Smart Tax Shield Legacy Playbook** → Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com
#LiveOnAssets #RetirementTaxPlanning #RMD #QCD#SmartRetirement | |||
| Live On vs Leave On Assets: The Most Important Distinction in Retirement Planning | 01 mai 2026 | 00:10:56 | |
Last week we talked about paying tax once instead of twice.This week we go deeper: the critical difference between **Live On assets**(money you’ll spend) and **Leave On assets** (money for your heirs).
Most people treat all their retirement accounts the same way— but once you separate them into these two buckets, everything changes:investment strategy, tax planning, and withdrawal approach.
In this episode I show you: - How to calculate your Live On vs Leave On split - Why each bucket should be invested and taxed differently - A real client example where separating the bucketsimproved their probability of success from 78% to 94%
If you have substantial retirement savings and some of thosedollars are intended for the next generation, this could be one of thehighest-leverage planning steps you can take.
Download the new **Smart Tax Shield Legacy Playbook** (free)– link in description Book your free Smart Retirement Model session →LeonardiFamilyWealthcare.com
#LiveOnVsLeaveOn #RetirementPlanning #AssetAllocation#TaxPlanning #LegacyPlanning #SmartRetirement | |||
| Smart Retirement Tax Planning: Pay Tax Once, Not Twice (2026) | 24 avr. 2026 | 00:07:40 | |
Many retirees don’t need their RMD income, yet face double taxation — once during their lifetime and again when heirs inherit the account. In this episode, Tony Leonardi introduces the Smart Retirement Tax Shield and Smart Legacy Tax Shield — two strategies to pay tax once instead of twice. Includes real client examples with significant projected lifetime tax savings. Download the free Smart Tax Shield Legacy Playbook and book your no-cost Smart Retirement Model at LeonardiFamilyWealthcare.com. | |||
| Retirement Income Solutions 2026: How to Turn Your Savings Into Income You Can’t Outlive | 17 avr. 2026 | 00:16:52 | |
How do you turn your savings into reliable retirement incomethat lasts as long as you do? Tony Leonardi, CFP® breaks down the best retirement income solutions for 2026 — including the bucket approach, protected income layers, guardrails, and blending sources. Plus why a good financialmodel is essential.
Free Roth IRA Conversion Playbook 2026 Edition: https://www.leonardifamilywealthcare.com/roth-ira-conversion-playbook
Because there IS a Smarter Way to Retire.
#RetirementIncomeSolutions #RetirementIncomePlanning#TaxEfficientRetirement #BucketApproach #ProtectedIncomeLayer#ConfidentRetirement #WealthPreservation | |||
| The 401(k) Tax Trap: Why Maxing Your 401k Can Backfire in Retirement | 10 avr. 2026 | 00:13:17 | |
Maxing your 401(k) sounds smart — until the tax torpedo hitsin retirement. Tony Leonardi, CFP® explains the three tax buckets, how Social Security taxation creates hidden spikes, and why balanced retirement income planning is essential for tax-efficient retirement and legacy protection.
Timestamps: 00:00 – The Trap Most Savers Fall Into 03:00 – The Three Tax Buckets 07:00 – The Most Valuable Planning Window 11:00 – Actionable Takeaways
Download my free Roth IRA Conversion Playbook 2026Edition: https://www.leonardifamilywealthcare.com/roth-ira-conversion-playbook
Because there IS a Smarter Way to Retire.
#401kTaxTrap #TaxEfficientRetirement#RetirementIncomePlanning #TaxTorpedo #RothConversions #WealthPreservation#ConfidentRetirement | |||
| Taxes and Roth Conversions 2026: 5 Strategies to Minimize Taxes in Retirement | 07 avr. 2026 | 00:44:24 | |
Early April 2026 webinar recap: Tony Leonardi, CFP® shares 5powerful tax strategies — asset location, tax-efficient withdrawals, QCDs, Roth conversions, and tax-loss harvesting — to help you lower your tax bill and protect your legacy.
Free Roth IRA Conversion Playbook 2026 Edition:leonardifamilywealthcare.com/roth-ira-conversion-playbook Free model build:calendly.com/anthony-leonardi-leonardifwc/15-minute-check-in-quick-questions-quick-answers
Because there IS a Smarter Way to Retire. #TaxEfficientRetirement #RothConversions#RetirementIncomePlanning #QCDs #WealthPreservation #ConfidentRetirement | |||
| Longevity 2.0: – Don’t Outlive Your Money | 27 mars 2026 | 00:11:52 | |
Living to 95 or 100 is more common than ever, but healthcarecosts can reach $315k+. Tony Leonardi, CFP® explains why old rules fail, howHSAs and annuities help, and how modeling boosts success rates.
Timestamps: 00:00 – Intro & Longevity Reality 01:00 – Why Old Rules No Longer Work 04:00 – Real Client Story 07:00 – Action Plan 11:00 – Free Resources & Webinar
Free Roth IRA Conversion Playbook 2026 Edition:leonardifamilywealthcare.com/roth-ira-conversion-playbook Free model build:calendly.com/anthony-leonardi-leonardifwc/15-minute-check-in-quick-questions-quick-answers
Because there IS a Smarter Way to Retire. #LongevityRisk #TaxEfficientRetirement#RetirementIncomePlanning #HSAs #Annuities #ConfidentRetirement#WealthPreservation | |||
| Sequence of Returns Risk: Protect Your Retirement from Early Market Dips | 20 mars 2026 | 00:12:17 | |
Sequence of returns risk can cut your retirement successrate by 50% if markets dip early. Tony Leonardi, CFP® explains how to use AI modeling, income floors, and annuities for tax-efficient retirement andconfident income planning.
Timestamps: 00:00 – Intro & Why Sequence Risk Matters 01:00 – What Sequence Risk Really Is 04:00 – Real Client Stories 08:00 – Action Plan 12:00 – Free Resources
Free Roth IRA Conversion Playbook 2026 Edition:leonardifamilywealthcare.com/roth-ira-conversion-playbook Free model build:calendly.com/anthony-leonardi-leonardifwc/15-minute-check-in-quick-questions-quick-answers
Because there IS a Smarter Way to Retire. #SequenceOfReturnsRisk #TaxEfficientRetirement#RetirementIncomePlanning #ConfidentRetirement #WealthPreservation#RetirementFinancialAdvice | |||
| RMD Traps in 2026: Proactive Planning to Slash Taxes & Preserve Your Legacy | 13 mars 2026 | 00:16:13 | |
RMDs in 2026 can quietly inflate taxes and erode yoursavings. Tony Leonardi, CFP® explains how to use QCDs, Roth conversions, and modeling to stay under IRMAA thresholds, reduce lifetime taxes by 20–30%, andpreserve more for your family.
Timestamps: 00:00 – Intro & Why RMDs Matter Now 01:00 – RMD Basics & Traps 04:00 – Real Client Stories 08:00 – Actionable Steps 12:00 – Free Resources & Offer
Free Comprehensive Guide: Roth IRA Conversion Playbook 2026Edition: leonardifamilywealthcare.com/roth-ira-conversion-playbook Free model build:calendly.com/anthony-leonardi-leonardifwc/15-minute-check-in-quick-questions-quick-answers
Because there IS a Smarter Way to Retire. #RMDTraps #TaxEfficientRetirement #RetirementIncomePlanning#WealthPreservation #QCDs #LegacyPlanning #ConfidentRetirement | |||
| Ep 58 | Roth Conversions 2026: Strategic Tax Savings Deep Dive | 06 mars 2026 | 00:13:24 | |
Tony Leonardi on Roth conversions: Pay low now vs. highlater. Timing, modeling, examples for 20s–retirees. Personal— not for everyone! Free quiz + book: LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire. | |||
| The Power of Financial Modeling for Smarter Retirement | 27 févr. 2026 | 00:12:53 | |
Tony Leonardi kicks off Year 2 with a deep dive on financialmodeling—calculate success, optimize portfolios, Roths, Social Security & more. Avoid sub-optimal guesses; free model offer! Quiz + book:LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire. Past performance is no guarantee of future results. Diversification does not ensure against loss | |||
| 1st Anniversary: Why Financial Models Are Essential for Retirement Strategies | 20 févr. 2026 | 00:13:04 | |
Tony Leonardi, Certified Financial Planner professional celebrates 1 year on YouTube! Recap strategies(Roth conversions, portfolios, longevity) & why financial models areessential—success rates, tax savings, legacy. Updated for lower 2026 rates. Free quiz + book: LeonardiFamilyWealthcare.com/quiz Because there IS a Smarter Way to Retire. | |||
| Hearing Health & Retirement: The Health-Wealth Connection with Audiologist Dr. Lori Aleks | 13 févr. 2026 | 00:23:53 | |
Tony Leonardi, CFP® interviews audiologist Dr. Lori Aleks onhow untreated hearing loss affects cognitive health, family communication, retirement quality, and costs. Learn prevention, testing, modern hearing aidtechnology, and why early action is a smart financial move for longevity. Contact Dr. Aleks: www.bestlifehearingcenter.com or (203) 735-4327.
Free 2-min quiz + book:https://www.leonardifamilywealthcare.com/quiz 15-min review:https://calendly.com/anthony-leonardi-leonardifwc/15-minute-check-in-quick-questions-quick-answers
Because there IS a Smarter Way to Retire. #HearingHealth #RetirementPlanning #HealthWealthConnection#HearingLoss #CognitiveDecline #HSAs | |||
| Ep 53 | 5 Biggest Tax Updates for 2025 Filing in 2026 | 30 janv. 2026 | 00:12:13 | |
Tony Leonardi, CFP® covers 5 key tax updates for 2025 (filed2026): inflation-driven bracket creep, Medicare IRMAA increases, RMD & 10-year rule, $15M estate exemption, crypto reporting. Proactive moves like Roth conversions & QCDs to save thousands. Real stories. Free quiz + book:LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire. | |||
| Generational Wealth Transfer: Protect Your Legacy From Tax Traps | 23 janv. 2026 | 00:13:21 | |
Tony Leonardi, CFP® on the $7 trillion wealth transfer:estate tax shockers, gift headaches, capital gains, IRA income tax, and the 10-year rule. Proactive strategies: gifting, stepped-up basis, insurance. Real mistakes & triumphs. Free quiz + book: LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire. | |||
| Build a Smarter Portfolio in 5 Steps: Modern Portfolio Theory & The Efficient Frontier | 16 janv. 2026 | 00:11:35 | |
Diversification isn’t just “don’t put all your eggs in onebasket” — it’s Nobel Prize-winning math that can make your money work harder with less risk.
In this week’s episode of A Smarter Way to Retire, we breakdown Modern Portfolio Theory, the Efficient Frontier, and how to build a portfolio that maximizes return for your risk level.
Real client story: Dropped risk 33 % with the same expectedreturn.
Listen now and see if your portfolio is efficient ↓
Take the free 2-min retirement quiz + get my book:https://www.leonardifamilywealthcare.com/quiz
#ModernPortfolioTheory #EfficientFrontier#RetirementPlanning #ASmarterWayToRetire | |||
| Optimal Portfolio Allocation: How Monte Carlo Finds Your Retirement Sweet Spot | 09 janv. 2026 | 00:14:59 | |
Tony Leonardi, CFP® explores how Monte Carlo simulationshelp find the optimal portfolio allocation for higher Probability of Success.Discover the trade-off between Probability of Success and Safety Margin, why average returns aren't the whole story, and how to fix inefficient investments. Free quiz + book at LeonardiFamilyWealthcare.com/quiz Because there IS a Smarter Way to Retire. | |||
| Ep 49 | Monte Carlo Simulations: Your Retirement’s Most Important Number | 02 janv. 2026 | 00:16:33 | |
Tony Leonardi, CFP® dives deep into Monte Carlo simulations — the key metric that shows the % chance your money lasts as long as you do. Discover why volatility timing matters more than average returns, and the strategies to improve your Probability of Success. Free quiz + book: LeonardiFamilyWealthcare.com/quiz. Because there IS a Smarter Way to Retire. | |||
| 2025 Year in Review – Wins, Surprises, and What's Next in 2026 | 26 déc. 2025 | 00:14:31 | |
Tony Leonardi reviews 2025’s biggest wins (permanent TCJA rates, age-75 RMDs, market patience) and surprises (AI explosion, IRMAA hits, semi-retirementtrend). Listener favorites: RMD strategies, 3 buckets, Roth conversions. Peek at 2026: inflation, Medicare rises, estate tweaks. Free retirement readiness quiz + book:LeonardiFamilyWealthcare.com/quiz. | |||
| Last-Chance 2025 Moves: 5 Things to Do Before December 31 | 19 déc. 2025 | 00:10:58 | |
We’re one week from Christmas and two weeks from New Year’s— the perfect time for a few quiet financial wins.
Tony Leonardi, CFP® shares 5 last-chance 2025 moves you canstill make before the calendar flips:
1. Max out retirement contributions (401(k), IRA, backdoorRoth) 2. Harvest tax losses in taxable accounts 3. Make charitable gifts (and set up QCDs for 2026) 4. Double-check RMDs and inherited IRA deadlines 5. Review beneficiary designations
These quick actions can save thousands in taxes and give youa stronger start to 2026.
Take the free 2-minute retirement readiness quiz + getTony’s book instantly: https://LeonardiFamilyWealthcare.com/quiz
Book a complimentary 15-minute review: https://calendly.com/anthony-leonardi-leonardifwc/15-minute-check-in-quick-questions-quick-answers
Because there IS a Smarter Way to Retire.
Subscribe for weekly insights that help families acrossConnecticut and nationwide keep more of what they’ve earned.
#RetirementPlanning #YearEndMoves #TaxStrategy#RothConversion #FinancialFreedom
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| The Silent Retirement Killer That Can Wipe Out $1.8 Million (Sequence of Returns Risk Explained) | 12 déc. 2025 | 00:12:31 | |
You've saved diligently for decades. Built up $1.8 million or more. Done everything right. But there's ONE risk that can destroy your retirement in justa few years—and almost nobody talks about it. In this episode of A Smarter Way to Retire, I break down sequence of returns risk using a real client story that will change how you think about retirement planning forever. 📊 What You'll Learn: • Why volatility flips from friend to foe the day you retire • How the same $1.8M portfolio can last until 95 OR run out at 82 (same returns, different sequence)• The exact math behind why one bad year early can cut 12+ years off your retirement • 5 proven strategies to protect your portfolio from sequence risk •Real results: How to reduce your failure rate from 22% to just 4% ⏱️ TIMESTAMPS: 0:00 - Introduction: The retirementrisk nobody discusses 1:15 - The $1.8 million nightmare (real client story)4:30 - Why volatility becomes your enemy in retirement 7:45 - The math thatshould keep you up at night 10:20 - Solution #1: Build a safe cash bucket 11:45- Solution #2: Flexible spending rules 13:10 - Solution #3: Dynamic withdrawalstrategies 14:30 - Solution #4: Strategic allocation shifts 15:50 - Solution#5: Income annuities for essentials 17:25 - Real results with guardrails inplace 19:00 - Action steps you can take today 🎁 FREE RESOURCES: 📋 Take my 2-Minute Retirement ReadinessQuiz + Get My Book Free: 👉 LeonardiFamilyWealthcare.com/quiz 📅 Schedule a Free 15-MinuteConsultation: 👉 LeonardiFamilyWealthcare.com 📚 RELATED VIDEOS: • Why Your IRAis the Worst Place to Die With Money: • How RMDs Can Destroy YourRetirement: • Building a Bear Market-Proof Portfolio: 💼 About Anthony Leonardi, CFP®:I'm a Certified Financial Planner™ professional based in Newtown, Connecticut,specializing in comprehensive retirement planning with a focus on tax efficiency, risk management, and sustainable income strategies. 📍 Leonardi Family Wealthcare Newtown,Connecticut 📧 Contact: LeonardiFamilyWealthcare.com ⚠️ IMPORTANT DISCLOSURE: This content is foreducational purposes only and should not be considered personalized investmentadvice. Every individual's financial situation is unique. Please consult with aqualified financial professional before making investment decisions. #RetirementPlanning #SequenceOfReturnsRisk #FinancialPlanning#RetirementIncome #CFP #WealthManagement #RetirementStrategy #401k #IRA#BearMarket #MarketVolatility #RetirementTips #FinancialFreedom #NewtownCT#Connecticut 👍 If you found this valuable, pleaseLIKE and SUBSCRIBE for weekly retirement planning insights! 🔔 Hit the notification bell so younever miss an episode of A Smarter Way to Retire! | |||
| Your 401(k)/IRA = BEST place to save, WORST place to retire or die | 05 déc. 2025 | 00:21:11 | |
Your 401(k)/IRA = BEST place to save, WORST place to retire or die.Discover why half your lifetime withdrawals could go to taxes + Medicare surcharges, and the exact 5-move playbook we use to cut that bill dramatically. Real client stories + the 3-bucket framework that changes everything. Because there IS a Smarter Way to Retire. Why Your 401(k) and IRA Are the BEST Place to Save… and the WORST Place to Retire or Die Most retirees are shocked to learn that roughly 50¢ of every dollar that leaves their retirement accounts over the next 30+ years could go to federal taxes and Medicare surcharges — unless they act. In this episode Tony Leonardi, CFP® reveals: • The $2.4 million client story that exposes the hidden tax trap • Why the IRS becomes your silent partner in retirement • The simple 3-bucket framework that can save hundreds ofthousands (or more) • The exact 5-move playbook being used right now withfamilies nationwide Timestamps 00:00 – The shocking truth about your retirement accounts 02:10 – Mike & Linda’s $2.4M wake-up call 07:40 – The 3-Bucket Framework explained 12:20 – The 5-Move Playbook in action 17:30 – John & Susan’s real results after 5 years Take the free 2-minute quiz + get Tony’s book: https://www.leonardifamilywealthcare.com/quiz Book a complimentary 15-minute review: https://calendly.com/anthony-leonardi-leonardifwc/15-minute-check-in-quick-questions-quick-answers Because there IS a Smarter Way to Retire. | |||
| 6 RMD Strategies That Save My Clients $100k+ (You’ll Wish You Knew #5 Sooner) | 28 nov. 2025 | 00:23:00 | |
If RMDs are coming (or already here), these 6 moves can save you tens or even hundreds of thousands. Tony covers QCDs, the new age-75 Roth window,fill-the-bracket conversions, smart market timing, turning RMDs into tax-free legacy with life insurance, and NUA for company stock. #RMD #RothConversion #RetirementPlanning #TaxStrategy#ConnecticutFinancialPlanner | |||
| Required Minimum Distributions: The Fundamentals Every Retiree Must Know | 21 nov. 2025 | 00:34:52 | |
Turning 73 this year? Then Required Minimum Distributions are about to become a major part of your financial life—whether you're ready or not. I'm Tony Leonardi, CFP®, and in this episode of A Smarter Way to Retire, I'm breaking down everything you need to know about RMDs: what they are, when they start, how to calculate them, and the seven most common mistakes that can trigger a 25% penalty. IN THIS EPISODE:
KEY TAKEAWAYS: ✓ RMDs start at age 73 for most people✓ Your first RMD can be delayed until April 1—but this usually backfires✓ You CAN aggregate IRAs but CANNOT aggregate 401(k)s✓ Missing an RMD triggers a 25% penalty (reduced to 10% if corrected within 2 years)✓ If you're age 60-72, this is your golden planning window I've been helping families with retirement planning for over 30 years, and I've seen people lose thousands from simple RMD mistakes. The good news? They're all 100% avoidable. RESOURCES MENTIONED:
COMING NEXT WEEK: Episode 2 - Advanced RMD Strategies: QCDs, tax planning, and how RMDs interact with Social Security and Medicare. If you found this helpful, please rate and review the show. It helps other people find this information when they need it most. Plan smart. Retire happy. CONNECT WITH TONY:
DISCLAIMER: This podcast is for educational and informational purposes only and should not be considered financial, tax, or legal advice. Every individual's situation is unique. Please consult with a qualified financial advisor, CPA, and attorney before making any financial decisions. Tony Leonardi is a registered investment advisor. Full disclosures available at LeonardiFamilyWealthcare.com. retirement planning, RMD, required minimum distributions, IRA, 401k, tax planning, financial planning, retirement mistakes, age 73, CFP, Tony Leonardi, Connecticut, retirement income, tax strategy Business > Investing | |||
| Roth Conversions Deep Dive: The Complete Guide | 14 nov. 2025 | 00:22:12 | |
Join Tony Leonardi, CFP® from Newtown, Connecticut, for a comprehensive Roth conversion masterclass recorded November 14, 2025. After celebrating his birthday with fresh pasta and steaks over the firepit, Tony delivers the deep dive you've been requesting. The Core Principle: Roth conversions only make sense if you anticipate being in a higher tax bracket in the future. Without a comprehensive financial model—your"crystal ball"—you're just guessing with six-figure decisions. Who Should Convert: Early retirees with low-income years before RMDs, people expecting tax rate increases, large IRA balances facing massive future RMDs, those leavingmoney to heirs in peak earning years Who Should Avoid Converting: Lower brackets in retirement, no cash for taxes, ACA subsidy recipients,near Medicare IRMAA thresholds ($103K single/$206K married), complex after-tax IRA basis situations Step-by-Step Implementation (8 Steps): Financial modeling, conversion budget calculation, CPAcoordination, execution before Dec 31, tax payment strategy, estimated payments, five-year tracking, annual reviews Critical Mistakes to Avoid: Converting without a plan, ignoring pro-rata rule, forgetting statetaxes, triggering IRMAA, thinking you can reverse, converting too much too fast, not having cash for taxes Current Context: Tax Cuts and Jobs Act made permanent by July 2025 bill, 7 weeks left toexecute 2025 conversions, Medicare IRMAA thresholds, ACA subsidy impacts Listen on Spotify, Apple Podcasts, or YouTube. Visit LeonardiFamilyWealthcare.com for financial modeling and conversionanalysis, or download the 2025 Retirement Reset Checklist with Probability of Success Meter. | |||
| Year-End Tax Planning: 5 Strategies Before December 31st | 07 nov. 2025 | 00:19:59 | |
Join Tony Leonardi, CFP® from Newtown, Connecticut, for a birthday special recorded November 7, 2025. With eight weeks left in 2025, discover actionable year-end tax strategies that could save you thousands. What You'll Learn:
-Tax loss harvesting to offset gains (including wash sale rule workarounds) -Roth conversion sweet spots in November (with critical compliance notes on aggregation and pro-rata rules) -Charitable giving optimization (QCDs up to $108K, bunching, donor-advised funds) -Capital gains bracket management to harvest gains at 0% rate -Quick year-end moves (401k, HSA, withholding, FSA) Current 2025 Tax Context:
Key Strategies
Listen on Spotify, Apple Podcasts, or YouTube. Visit LeonardiFamilyWealthcare.com for year-end tax planning sessions, ordownload the 2025 Retirement Reset Checklist with Probability of Success Meter. | |||
| Required Minimum Distributions: The Halloween Special | 31 oct. 2025 | 00:20:52 | |
Join Tony Leonardi, CFP® from Newtown, Connecticut, for aHalloween-themed deep dive into Required Minimum Distributions (RMDs). Recorded October 31, 2025, this episode unmasks common RMD mistakes, explains current rules, and reveals sweet strategies like Qualified Charitable Distributions. What You'll Learn: -2025 RMD rules: Age 73 for those born 1951-1959, age 75 for 1960+ -Common mistakes that cost thousands (the double distribution trap, forgotten IRAs, inherited IRA changes) -How to calculate your RMD and why it increases each year -QCDs: Donate up to $108,000 tax-free to charity and satisfy your RMD -Roth conversion strategies to reduce future RMDs -The "first dollars out" rule and December 31st deadlines Current Context: -25% penalty for missed RMDs (10% if corrected within 2 years) -Roth 401(k)s no longer require lifetime RMDs (as of 2024) -New inherited IRA rules take effect in 2025 -QCD limit increased to $108,000 (indexed for inflation) Key Strategies: -Take first RMD by Dec 31 (not April 1) to avoid double distributions -Use QCDs before other withdrawals to maximize tax benefits -Convert to Roth between ages 59½-73 for tax savings -Aggregate IRA RMDs (but not 401(k) RMDs) Visit LeonardiFamilyWealthcare.com for the 2025 Retirement Reset Checklist with Probability of Success Meter, or book a complimentary consultation at LeonardiFamilyWealthcare.com/assessment. | |||
| The Art of Diversification: Why Your S&P 500 Fund Might Not Be Enough | 24 oct. 2025 | 00:19:18 | |
Join Tony Leonardi, CFP® from Newtown, Connecticut, fresh from his family vacation in Florence, Italy, as he explores why traditional diversification strategies may no longer work. Recorded October 22, 2025, this episode revealshow the S&P 500's concentration in just five tech giants creates hidden risks for retirement portfolios. Learn about sequence of returns risk—why the timing of market returns matters as much as average returns when you're taking withdrawals. Discover practical strategies including asset class diversification, internationalexposure, alternative income sources, and rebalancing techniques. Key Takeaways: -Why the S&P 500 now effectively represents only 50 stocks -How sequence of returns risk can derail retirement plans -Practical diversification strategies for today's market -Action steps to reduce portfolio concentration Current Market Context: -S&P 500 at record 6,736 with 30% in five companies -Fed expected to cut rates to 3.50-3.75% by year-end -10-year Treasury yield at 4.27% Listen on Spotify, Apple Podcasts, or YouTube. Visit LeonardiFamilyWealthcare.com for resources including the 2025Retirement Reset Checklist with Probability of Success Meter, or book a complimentary consultation at LeonardiFamilyWealthcare.com/assessment. | |||
| Legacy Planning: Pass Wealth Tax-Efficiently | 17 oct. 2025 | 00:11:44 | |
Join Tony Leonardi, CFP® and author of A Smarter Way to Retire, as he explores legacy and estate planning strategies to pass wealth smoothly. Recorded in October 2025, this episode dives into how annual gifting ($19,000 exclusion), trusts, and other tools may help reduce taxes and probate costs. Learn why planning can support control over your assets and align with your goals, from business succession to philanthropy. Key Takeaways:
Listen on: Visit LeonardiFamilyWealthcare.com or download the 2025 Retirement Reset Checklist for a Probability of Retirement Success meter. Subscribe and leave a review to join this journey! | |||
| Healthcare Planning for a Long Retirement | Tony Leonardi, CFP® | 10 oct. 2025 | 00:13:05 | |
Hey everyone, it’s Tony Leonardi, CFP®! Plan for healthcare costs with HSAs, Medigap, and our smart planning process. Get a no cost e-book or complimentary consultation at LeonardiFamilyWealthcare.com.#RetirementPlanning Goditi il podcast di questa settimana! | |||
| Tax-Efficient Retirement: Save More with Roth & Gifting | Tony Leonardi, CFP® | 03 oct. 2025 | 00:19:25 | |
Hey everyone, it’s Tony Leonardi, CFP®! Discover tax-efficient retirement strategies to keep more of your wealth. Learn Roth conversions, tax-loss harvesting, gifting ($19,000/person in 2025), and more with our smart planning software. Book a complimentary consultation or get a nocost e-book at LeonardiFamilyWealthcare.com! #RetirementPlanning #TaxStrategies | |||
| Alternative Investments: Diversify Smart for a Confident Retirement | 26 sept. 2025 | 00:16:32 | |
Hey, it’s Tony Leonardi, CFP®! Learn how alternative investments like real estate & gold may help reduce portfolio volatility. Get my no cost e-book at LeonardiFamilyWealthcare.com/ebook or book a complimentary assessment!#RetirementPlanning | |||
| Longevity Planning: Retire to 100+ with Confidence | Tony Leonardi, CFP® | 19 sept. 2025 | 00:18:41 | |
Hey everyone, it’s Tony Leonardi, CFP®! Plan for a 100+ retirement with healthcare ($315K+), HSAs, and long-term care strategies. Boost success to 90%+ with MoneyGuidePro. Get a no cost e-book or book a complimentary consultation at LeonardiFamilyWealthcare.com! #RetirementPlanning | |||