8 Tax Strategies To Consider Before Year-End

18:38

Building a retirement income strategy involves more than selecting dividend-paying stocks. A focus on total return — which includes both growth and income — can offer a more comprehensive approach for long-term planning. • Relying solely on dividend-paying stocks may reduce portfolio diversification and growth potential • Total return (income + growth) can provide a broader view of long-term investment outcomes • Asset location strategies may improve tax efficiency depending on the type of account • Bond ladders with staggered maturities can help create more consistent income over time • Annuities can provide structured income, though they may have limitations such as fees or inflation sensitivity • The most effective strategy is one that aligns with your goals, risk tolerance, and understanding • Be cautious with complex products — understanding fees, liquidity restrictions, and structure is essential Advisory services are offered through Root Financial, an SEC-registered investment adviser. This content is intended for general informational purposes only and should not be construed as personalized investment, tax, or legal advice. Advisory relationships are established only through a signed agreement. Any examples discussed are hypothetical and for illustrative purposes. If client experiences are referenced, no compensation was provided and their experience may not be representative of others. Comments shared publicly are unsolicited and do not reflect the views or experience of all clients. They are not verified and should not be construed as testimonials or endorsements. Root Financial does not provide tax or legal advice. Tax planning topics are discussed in the context of comprehensive financial planning and should not be relied upon as a substitute for professional advice. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Watching or listening to this content does not create an advisory relationship. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
The Surprising Regrets of Wealthy Retirees | Root Talks 16:05

7 днів тому16:05

16:05

Retired with millions—but full of regret? In this episode of Root Talks, James and Ari share the real stories no one talks about: wealthy retirees who did everything “right” financially but still feel like they missed out. From sacrificing health and relationships for more savings, to realizing too late that they were planning for someone else’s version of success, these lessons are emotional, practical, and essential. What you’ll learn: Common regrets wealthy retirees confess after leaving work Why financial freedom means nothing without health, time, or joy How to avoid estate planning mistakes that burden your spouse or family Why intentional living matters more than chasing a number Simple, high-impact ways to prepare for retirement now If you're building wealth, nearing retirement, or want to live more meaningfully today—this conversation is for you Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Why The Biggest Risk To Retiring Early Is Not What You Think 14:06

10 днів тому14:06

14:06

Even when the financial plan indicates you're on track, many people experience anxiety—especially between ages 50 and 65, before traditional retirement benefits begin. This episode explores ways to prepare for that critical transition with clarity and confidence. • One of the most impactful retirement risks is withdrawing too much from your portfolio in the early years • Many individuals are “qualified rich, cash limited” with the majority of assets in tax-advantaged retirement accounts • Building a taxable brokerage account can provide additional flexibility before age-based access to retirement funds • For some, temporarily adjusting retirement account contributions may help support short-term liquidity needs (consider your specific situation and consult a financial professional) • Planning ahead for early retirement expenses—such as travel, healthcare, or home projects—can reduce surprises • Avoiding large discretionary expenses early in retirement may help reduce stress on your portfolio • Focus on what you can control: spending, timing of retirement, asset allocation, and strategic withdrawals Advisory services are offered through Root Financial, an SEC-registered investment adviser. This content is intended for general informational purposes only and should not be construed as personalized investment, tax, or legal advice. Advisory relationships are established only through a signed agreement. Any examples discussed are hypothetical and for illustrative purposes. If client experiences are referenced, no compensation was provided and their experience may not be representative of others. Root Financial does not provide tax or legal advice. Tax planning topics are discussed in the context of comprehensive financial planning and should not be relied upon as a substitute for professional advice. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Watching or listening to this content does not create an advisory relationship. The Early Retirement Academy is an educational resource offered by Root Financial. Participation may involve a fee. Use of the tool does not establish a client relationship or constitute personalized advice. Comments shared publicly are unsolicited and do not reflect the views or experience of all clients. They are not verified and should not be construed as testimonials or endorsements. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Avoid These 6 Common Mistakes When Retiring Early 17:00

17 днів тому17:00

17:00

In this episode, Ari explores six common oversights in early retirement planning that can create unnecessary stress and limit flexibility in the long run. • Not establishing a taxable brokerage account to access funds before traditional retirement age • Overlooking healthcare planning, including available subsidies, which may impact retirement timing • Missing opportunities for tax efficiency through strategies like Roth conversions or coordinated withdrawals • Underestimating the importance of physical health when planning for an active retirement lifestyle • Limiting retirement vision to essential expenses, rather than factoring in meaningful goals and experiences • Focusing only on finances without considering purpose, routine, or fulfillment during retirement Submit your questions at earlyretirementpodcast.com for future episodes. Are you sabotaging your early retirement with what I call "head trash"? These are the unnecessary worries that keep you working years longer than you need to - like comparing your finances to neighbors without knowing their full picture. Advisory services are offered through Root Financial, an SEC-registered investment adviser. This content is intended for general informational purposes only and should not be construed as personalized investment, tax, or legal advice. Advisory relationships are established only through a signed agreement. Any examples discussed are hypothetical and for illustrative purposes. If client experiences are referenced, no compensation was provided and their experience may not be representative of others. Comments shared publicly are unsolicited and do not reflect the views or experience of all clients. They are not verified and should not be construed as testimonials or endorsements. Root Financial does not provide tax or legal advice. Tax planning topics are discussed in the context of comprehensive financial planning and should not be relied upon as a substitute for professional advice. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Watching or listening to this content does not create an advisory relationship. To learn more about Root or to explore working together, please visit www.rootfinancialpartners.com. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Root Talks: Spend Your Way to a Happier Retirement: 5 Pillars of Better Spending 18:08

21 день тому18:08

18:08

Many great savers struggle to switch gears once they retire—unsure how to spend with confidence after decades of discipline. James and Ari reflect on the mindset shift from saving to spending, exploring how to use money and time more intentionally to create a meaningful life now, not just someday. Prompted by a thoughtful comment from a Root Collective member, they share personal stories and client examples about the “little splurges” that actually matter—upgrading experiences, investing in health, buying back time, and being generous in ways that deepen relationships. They also walk through five key categories that tend to lead to high-impact, low-regret spending: experiences, time, giving, health, and environment. Whether you’re already retired or still working toward it, this conversation will help you think more clearly about the value of your money—and how to use it to support the life you truly want to live. Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for general informational purposes only and should not be construed as personalized investment, tax, or legal advice. Advisory relationships are established only through a signed agreement. Any examples discussed are hypothetical and for illustrative purposes. If client experiences are referenced, no compensation was provided and their experience may not be representative of others. Root Financial does not provide tax or legal advice. Tax planning topics are discussed in the context of comprehensive financial planning and should not be relied upon as a substitute for professional advice. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Watching or listening to this content does not create an advisory relationship. Comments shared publicly are unsolicited and do not reflect the views or experience of all clients. They are not verified and should not be construed as testimonials or endorsements. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Why More People Are Retiring Early Today Than Ever Before 14:59

24 дні тому14:59

14:59

More Americans than ever before are retiring early due to seven key factors reshaping our approach to work and retirement planning. • COVID-19 accelerated early retirements with 2.6 million more people retiring during the pandemic than expected • Average retirement age dropped from 64 in 2019 to 62 in 2022, one of the sharpest declines in decades • The FIRE movement (Financial Independence, Retire Early) has grown by 300% in searches between 2018-2023 • Strong market performance created record numbers of 401(k) millionaires • Remote work flexibility enables 40% of workers to retire 2-5 years earlier than previously planned • 68% of Americans have reprioritized work-life balance with 47% willing to accept lower income for more freedom • Health concerns prompted 25% of early retirees to leave the workforce sooner than expected Advisory services are offered through Root Financial, an SEC-registered investment adviser. This content is intended for general informational purposes only and should not be construed as personalized investment, tax, or legal advice. Advisory relationships are established only through a signed agreement. Any examples discussed are hypothetical and for illustrative purposes. If client experiences are referenced, no compensation was provided and their experience may not be representative of others. Viewer or listener comments shared publicly are unsolicited and do not reflect the views or experience of Root Financial. We do not verify or endorse any statements made in public forums. Root Financial does not provide tax or legal advice. Tax planning topics discussed are considered in the context of broader financial planning and should not be relied upon as a substitute for professional tax or legal counsel. All investments involve risk, including possible loss of principal. Past performance is not indicative of future results. Watching or listening to this content does not create an advisory relationship. To learn more about Root or to explore working together, please visit www.rootfinancialpartners.com. If you want help with your early retirement, reach out to Root Financial Partners or consider the Early Retirement Academy to access planning tools and resources. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
4 Tax Strategies To Consider This Year 16:28

4 weeks тому16:28

16:28

Tax strategy is the most overlooked aspect of financial planning, yet it could save you thousands over your lifetime by minimizing your total tax burden rather than just focusing on this year's bill. • Roth conversions let you pay taxes at potentially lower rates now to avoid higher taxes later in life • Asset location matters – keep growth investments in Roth accounts and more conservative assets in brokerage accounts • Health insurance premium planning can drastically reduce your healthcare costs through ACA subsidies • Capital gains harvesting allows married couples to realize up to $96,700 in gains tax-free each year • The standard deduction adds another $30,000 of tax-free money, meaning you could potentially generate $126,700 with zero tax liability If this was helpful, please reach out at ari@rootfinancialpartners.com. If you'd like a custom strategy, you can apply to work with Root Financial Partners. For those 5-10 years from retirement, check out the Early Retirement Academy for software, courses and tools to help you prepare. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Root Talks: How Does The Advisory Team Structure Work at Root? 23:50

5 weeks тому23:50

23:50

What actually happens when you work with a financial advisor? At Root Financial, we've built a carefully structured team model to ensure every client gets consistent, exceptional service regardless of which advisor they're paired with. Unlike products (think identical Honda Civics or iPhones at any retailer), financial advice is inherently personal and can vary dramatically between advisors. We've solved this challenge by creating a four-person service team for every client: a Client Service Associate handling operations, an Associate Financial Advisor supporting and learning, a Lead Financial Advisor delivering personalized recommendations, and a Senior Financial Advisor providing advanced expertise while coaching the team. This structure isn't just organizational—it's the foundation of our entire client experience. When Associate Advisors take detailed notes, for example, it allows Lead Advisors to be fully present in conversations rather than documenting. As one team member put it: "Taking notes allows me to be fully present in that conversation." Rather than simply hiring "free agent" advisors with varying approaches, we've developed our own farm system. We carefully select talented professionals with the right character and potential, then develop them through our comprehensive training programs. Each advisor progresses through clearly defined levels with specific requirements—time in role, licensing, CFP designation, and successful completion of Root's investment and planning curricula. The goal? Creating advisors who've "learned the rules like a pro so they can break them like an artist." This Picasso-inspired philosophy means our team masters the fundamentals, then adapts them creatively to help clients optimize not just for wealth, but for a life well-lived. This behind-the-scenes structure might seem technical, but it's precisely what allows us to deliver consistent excellence. When you work with Root, you're not just getting one advisor—you're getting an entire team crafted to ensure your experience reflects our core belief: money should be a tool for getting the most out of life. Want to discover if our approach aligns with your needs? Visit rootfinancial.com and click "see if we're a fit" to start the conversation. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Why It's Natural To Be Worried To Retire (And What To Do About It) 15:59

5 weeks тому15:59

15:59

Retirement anxiety is normal and healthy, even for people with solid financial plans—it shows you're taking your future seriously and want to make thoughtful decisions about your life transition. • Understanding why retirement worry is natural despite having financial security • How joining a retirement community can provide perspective and reduce anxiety • Balancing financial needs with personal purpose and meaningful activities • Learning to differentiate between necessary caution and excessive worry • Finding comfort in flexibility and dynamic planning during market changes • Recognizing that uncertainty is normal in major life transitions • Defining your personal measures of retirement success rather than comparing to others • Taking action by exploring new ideas from peers rather than just passively consuming content Join our free retirement planning community to connect with others navigating the same challenges and discover new strategies to improve your retirement confidence. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Healthcare Analysis: How We Save Our Clients Thousands Before Medicare Begins 19:30

6 weeks тому19:30

19:30

Healthcare costs shouldn't stop you from retiring early, especially when strategic planning can reduce those expenses from $1,000+ to as little as $50 per month. We explore how proper account structure and withdrawal strategies can save you tens of thousands in healthcare premiums during the critical pre-Medicare years. • "Superhero accounts" (brokerage/taxable accounts) offer tremendous flexibility for controlling taxable income • Capital gains from brokerage accounts are taxed more favorably than IRA withdrawals • Strategic income planning can qualify you for ACA subsidies, potentially saving $70,000+ over five years • Tax gain harvesting at 0% capital gains rate provides additional opportunities • Balance healthcare optimization with other goals like Roth conversions • Most valuable for those within 5 years of retirement Submit your questions at earlyretirementpodcast.com. I respond to everyone, and if your question would benefit many, I'll make an episode about it. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Root Talks: How to Get Past the Fear of Retiring Even When You Have Enough 21:10

7 weeks тому21:10

21:10

You've run the numbers. You have enough saved. Your spreadsheet says you can retire comfortably. So why can't you pull the trigger and leave your high-stress, high-paying job behind? This struggle represents one of retirement planning's most challenging psychological hurdles. After spending decades accumulating wealth and building a career identity, many successful professionals find themselves paralyzed when the time comes to actually step away—even when financially prepared to do so. Our conversation explores this common predicament through the lens of a Root Collective member who knows they're financially ready but can't seem to make the leap. We dive into how our brains process major life transitions, why we tend to see future versions of ourselves as different people, and how this affects our decision-making. Just as starting preschool, college, or a new job feels intimidating, retirement represents a significant unknown that naturally triggers hesitation. The discussion moves beyond simple financial calculations to examine what we're really sacrificing by postponing retirement. While the opportunity cost of leaving unvested compensation on the table is obvious, the opportunity cost of continuing in a high-stress position—measured in health, time, relationships, and experiences—remains harder to quantify but potentially more valuable. We share perspectives from community members who've successfully made this transition, including practical advice on how to structure your finances and mindset for a fulfilling post-career life. Connect with our Root Collective community to learn from others navigating similar transitions and discover resources to help make your own retirement decision with confidence. What would your 85-year-old self advise you to do today? Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Much Should I Have In Bonds/Cash/etc. In Retirement? 19:32

7 weeks тому19:32

19:32

We explore how much safe money you should maintain throughout retirement for financial security and peace of mind without sacrificing long-term growth potential. Instead of using cookie-cutter rules, we break down a personalized approach to balancing safety and growth in your retirement portfolio. • Start with your annual spending needs to calculate your safe money base • A good starting point is having 5 years of living expenses in safe assets • Your safe money requirements should decrease as guaranteed income sources (Social Security, pensions) begin • The 60/40 portfolio rule doesn't work for everyone - your allocation should reflect your specific situation • As your portfolio grows, the percentage allocated to safe money typically decreases • Too much safe money risks losing purchasing power to inflation over time • Consider your emotional "sleep number" - how much safe money you need to feel secure • Factor in upcoming expenses like healthcare, travel, and home renovations • Cookie-cutter planning fails because everyone's situation is unique and dynamic Submit your financial questions at earlyretirementpodcast.com for a chance to have them answered in a future episode. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
My Biggest Recommendation Before You Retire - Please Do This 19:01

8 weeks тому19:01

19:01

Dreaming big and being intentional about planning for retirement can be the difference between merely surviving and truly thriving in your post-work years. • Retire TO something, not just FROM something • Test-drive your retirement dreams before committing fully, like renting in a new state before buying • Be honest about how retirement will change your spending habits and social dynamics • The first few years of retirement are critical – don't be too frugal when you have health and energy • Spend generously on things you truly value and remain frugal on things you don't care about • Put your retirement dreams into financial planning software to see if they're achievable • Consider what would feel worse – spending too much or having regrets at 85 about not spending enough • Dream big and think intentionally about what will make retirement fulfilling Before executing any strategy discussed in this episode, please consult with your financial advisor, tax preparer, or estate attorney. This content is for educational and informational purposes only and should not be construed as financial advice. Submit questions at earlyretirementpodcast.com for consideration in future episodes. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Root Talks: How We Plan When Markets Are Volatile 14:57

9 weeks тому14:57

14:57

James and Ari tackle a great question from the Root Collective: How do you keep things fun when markets—or life—get tough? They break down why “fun” isn’t just about ping pong tables and perks—it’s about being prepared, building trust, and maintaining strong relationships before challenges arise. James shares a personal story from the early Covid days, highlighting how mindset and self-care helped him show up for clients. The takeaway? A great advisor isn’t just there for the good times—they’re prepared to guide you through the tough ones, too. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How To Instill Financial Values In Children 19:23

9 weeks тому19:23

19:23

Financial literacy starts at home, but teaching kids can be challenging when they develop an abundance mindset and spend everything they make. We explore effective strategies for engaging young people with money concepts by connecting to their existing interests rather than lecturing them about financial terms. • Growing up around money doesn't automatically create financial literacy • Sharing personal stories of financial mindsets—from abundance to scarcity • Making financial concepts relevant by starting with what kids already care about • Demonstrating compound interest visually as "free time" gained by investing early • Finding personal motivation in finance that resonates • Creating games and experiences that make financial literacy engaging for young minds • Connecting investment growth to ownership of companies kids recognize If you have strategies that worked with your children or teenagers, please share them in the YouTube comments or join our free Root Collective community where we discuss topics like this one. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
The One Reason Everyone Delays Their Retirement 17:11

10 weeks тому17:11

17:11

Fear of retirement often arises from the head trash that clouds decision-making and prevents individuals from taking action. Understanding the valid concerns behind this fear is essential to dispel myths that delay retirement readiness. - Explaining the concept of head trash and its impact on retirement decisions - Real-life case study illustrating financial planning for early retirement - Practical strategies to overcome retirement anxiety and promote sound decision-making If you’d like to dive deeper into your retirement plans or have specific questions, reach out through our website! Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How To Plan For Big One-Time Expenses Before You Retire 18:06

11 weeks тому18:06

18:06

This episode focuses on effectively managing significant one-off financial expenses in retirement and the best strategies for portfolio withdrawals. We explore different sources of withdrawals, tax considerations, and how to balance immediate needs with long-term financial security. • The impact of one-time expenses on portfolio sustainability • Analyzing options: taxable accounts, tax-deferred accounts, and Roth IRAs • The importance of understanding tax implications in retirement planning Join our community at the Root Collective! It’s free and filled with resources to help you navigate your financial journey. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How To Remove "Headtrash" and Spend In Retirement Without Worrying 24:22

11 weeks тому24:22

24:22

The podcast explores the complexities of the scarcity mindset in individuals, specifically highlighting the challenges associated with spending even after achieving financial security. Through engaging storytelling and practical insights, we dissect how ingrained beliefs affect spending decisions. • Introduction of the scarcity mindset and its impact on financial behavior • Personal stories illustrating the transition from saver to spender • Discussion of psychological factors influencing spending anxiety • Client success story showcasing the paradox of wealth and spending fear • Practical strategies to enjoy spending without guilt • Encouragement to reassess personal values and money relationships Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Behind The Scenes At Root: How Do We Select Our Advisors? 25:27

11 weeks тому25:27

25:27

Understanding how we select financial advisors is crucial for clients and prospective clients. This episode takes you behind the scenes of Root Financial, highlighting our unique approach to hiring and training advisors to ensure consistent client experiences. • Discusses the importance of advisor alignment with client goals • Explores the internal training program, Root University • Addresses the cultural fit in hiring and selecting advisors • Highlights the investment in advisor satisfaction and success • Brings up the key differences between Root Financial and other firms If you're interested in seeing how we help our clients at Root Financial get the most out of life with their money, be sure to visit us at www.rootfinancialpartners.com. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
5 Questions To Ask When Interviewing A Financial Advisor 29:40

11 weeks тому29:40

29:40

A clear understanding of how to select the right financial advisor can simplify your journey toward financial success. We discuss five essential questions that are key to uncovering an advisor's capabilities and compatibility with your needs, ensuring that you are well-informed before making a decision. • Importance of asking if the advisor is a CFP • Assessing whether the advisor works with clients like you • Understanding their tax planning role and approach • Evaluating the advisor's commitment to accountability through holistic planning • Clarifying how the advisor is compensated and structure of fees If you found value in our discussion, please leave a review on Apple Podcasts or Spotify! Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Retire in Style: The 4 States That Offer the Best Bang for Your Buck 16:13

12 weeks тому16:13

16:13

This episode guides listeners through the process of selecting the ideal state for retirement, weighing financial incentives against personal happiness. The discussion centers on Florida, Arizona, Tennessee, and North Carolina, examining the pros and cons of each state, as well as critical financial considerations for future retirees. • Evaluating Florida's no-income tax benefits • Understanding Arizona's climate challenges • Highlighting Tennessee's low-cost living and unique culture • Discussing North Carolina's strategic tax treatment of retirement income • Importance of community, healthcare facilities, and amenities in relocation • Encouraging listeners to balance personal happiness with financial concerns Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Retirement Planning With Guaranteed Income (Pension, Social Security, Rental Income, etc.) 17:42

13 weeks тому17:42

17:42

The episode sheds light on the importance of personalized retirement planning, especially for those with guaranteed income sources like pensions. Listeners learn how risk tolerance, investment allocations, and tax strategies should align with their unique financial situations for optimal retirement success. • Emphasizing the role of guaranteed income sources in investment strategies • The importance of personalized financial planning over cookie-cutter strategies • Understanding how risk tolerance changes during retirement • Demonstrating asset allocation strategies based on income needs • The value of proactive tax planning and Roth conversions • Addressing the need for cohesive financial guidance among different advisors Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Step-by-Step Guide To Withdrawing Retirement Income 17:27

14 weeks тому17:27

17:27

This episode explores essential strategies for effective retirement withdrawals, emphasizing the importance of minimizing tax liabilities while maximizing fund growth. Listeners gain valuable insights into withdrawal frameworks, tax implications, and the role of technology in planning for a secure retirement. • Understanding income and tax strategies while working in retirement • Examining a real-life case study on withdrawal methods • Importance of software tools in financial planning • Different accounts require distinct strategies for withdrawals • Implications of Required Minimum Distributions • Strategies to enhance wealth through intentional withdrawals • The role of part-time income in retirement planning • Tailoring withdrawal strategies based on individual goals • The significance of legacy goals in financial planning • Call for listeners to engage and share their feedback Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
The True Value Of A Debt-Free Retirement (Should I Pay Off My Mortgage?) 14:38

15 weeks тому14:38

14:38

The episode explores the intersection of financial decisions and emotional well-being through personal stories. It addresses the dilemma between paying off a mortgage and investing extra capital while emphasizing the importance of confidence in navigating retirement planning. • The dentist's journey inspires a discussion on the importance of financial planning • A couple contemplates balancing mortgage payoff versus investment strategies • The psychological impact of debt vs. investment returns is examined • Sequence of return risk and market volatility influence their decisions • Emotional security plays a crucial role in financial planning strategies • Personal anecdotes illustrate the significance of aligning financial choices with core values • Confidence in financial decisions leads to a more fulfilling retirement experience Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Do We Build The Best Team In The Financial Industry? 24:48

16 weeks тому24:48

24:48

Root Financial is redefining what it means to serve clients by putting team culture front and center. In this episode, James and Ari dive into the firm’s bold move to hire a Head of Culture—an uncommon role in financial advising—dedicated to supporting the growth and well-being of their advisors. Why? Because when advisors thrive, clients get the personalized attention they deserve. At Root, we’re intentional about avoiding the usual industry traps, like overloading advisors with massive client lists or sales quotas that can compromise service. Instead, we focus on sustainable growth, aligning our goals with yours and using tools like OKRs (Objectives and Key Results) to stay on track. With a Net Promoter Score of 91—well above the industry average—we’re proving that building a strong internal culture leads to happier clients and better outcomes. ⏱Timestamps:⏱ 0:00 - Company culture affects clients 4:08 - Ari's quick story 5:59 - Hiring a Head of Culture 10:54 - Advisors have how many clients? 14:24 - NPS and retention rate 17:28 - OKRs 20:57 - What makes Root different Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Does Root Differ From Traditional Financial Firms? 27:41

16 weeks тому27:41

27:41

In this behind-the-scenes episode, James and Ari explore what sets Root apart in the financial advising industry. Moving beyond traditional roles like stock pickers and planners, they emphasize Root’s mission as “protectors” of clients’ most cherished goals, helping them achieve a life of purpose and fulfillment. They discuss how Root’s culture prioritizes personalized care and intentional growth, from hiring advisors who embody Root's ethos to reinvesting in services like tax planning and estate planning to enhance client experiences. James and Ari also address how Root balances expansion with maintaining high service quality, ensuring each client feels uniquely supported. They share insights into Root’s “master plan,” which includes innovative frameworks for advisor development and creating scalable yet deeply personalized services. Root’s philosophy of holistic, forward-looking financial planning integrates life coaching elements, focusing on helping clients live richer, more meaningful lives. This episode offers a fresh perspective on financial advising, showcasing Root’s commitment to redefining the industry. ⏱Timestamps:⏱ 0:00 - Root in one word -- protector 3:54 - Life advisors 7:31 - Beating the waiter 9:31 - Integrating tax planning 12:45 - Services to add in the future 16:47 - Gauging fit; growth philosophy 20:23 - Client satisfaction and advisor development 24:07 - Wrap-up Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Root's New Community Is Coming! (EXCITING UPDATE) 15:49

16 weeks тому15:49

15:49

Join the new Root Collective HERE! Retirement isn’t just about having enough money—it’s about making the most of it. That’s why we’re launching a new retirement community designed to go beyond financial planning. Sure, we’ll cover investing, tax strategies, and estate planning, but we’re also creating a space to talk about the things that make retirement fulfilling—connection, travel, health, and purpose. Inside, you’ll be able to engage with like-minded peers, get expert insights, and explore ideas to shape the next chapter of your life. We’ll have guest speakers, live events, and interactive discussions to help you feel confident in your planning and inspired about what’s ahead. Root clients get free access, and for everyone else, it’s $50 per month—early adopters can join for just $20. If you’re looking for more than just financial advice, we’d love for you to be part of it. ⏱Timestamps: 0:00 - A new retirement community 2:56 - Sharing experiences, creating initiatives 4:22 - Goal: best possible retirement 5:36 - Who is this for? 7:07 - Why join? 10:17 - Pricing 12:13 - The power of community Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Much Should I Be Saving To Retire Early? 15:30

16 weeks тому15:30

15:30

Understanding how much money you need to retire early involves examining various factors, including savings distribution, lifestyle choices, and investment strategies. By utilizing tools like the time value of money calculator, you can explore different scenarios to assess how to optimize your financial plan for retirement. • The importance of the time value of money in retirement planning • Case study: $527,000 savings and its implications for retirement • Impacts of spending goals on retirement strategy • The significance of account types and access in financial plans • Exploring various retirement scenarios using calculators • The trade-offs between saving more versus investing wisely • Unpacking the 4% withdrawal rule and its critiques • The value of shifting focus from accumulating wealth to living well • Encouraging proactive engagement in retirement planning Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
A Complete Guide To Long-Term Care 15:05

17 weeks тому15:05

15:05

Worrying about long-term care isn't as complicated as it seems. Ari Taublieb emphasizes understanding one's personal needs, evaluating costs, and considering self-insuring over policies to create a sustainable long-term care strategy. • Understanding common misconceptions about long-term care • Analyzing average long-term care insurance costs • Discussing self-insurance versus traditional policies • Highlighting the importance of mental accounting in financial planning • Exploring the average costs of nursing home care • Examining relevant legislative changes in long-term care • Providing strategies for effective self-insuring • Advising on the significance of personal financial autonomy • Encouraging proactive planning for future care needs • Offering final advice on seeking professional guidance If you want to work and get true holistic planning, you can book a call with us. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
You Don't Need A Tax Preparer. You Need A Tax Planner. 15:42

18 weeks тому15:42

15:42

This episode emphasizes the critical difference between tax planning and tax preparation, illustrating how strategic planning can lead to significant tax savings over a lifetime. Throughout the conversation, we explore essential insights on why relying solely on CPAs may not be enough, the importance of proactive financial coordination, and when to utilize tax strategies for optimal retirement planning. • Defining tax planning versus tax preparation • Real-life story illustrating CPA limitations • Importance of holistic financial planning • The cauliflower analogy for tax strategy • Benefits of Roth conversions and tax gain harvesting • Encouraging early retirement for tax flexibility • Proactive vs. reactive financial advisory approaches Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Many Investment Firms Should I Split My Money Between? 21:31

19 weeks тому21:31

21:31

This episode explores the myths surrounding diversification and the importance of understanding various risk types in investment strategies. Hosts emphasize that merely spreading investments across institutions does not equate to true diversification and discuss risks such as single stock and sector concentration. • Discussing the importance of understanding diversification • Examining different risks associated with investments • Introducing single stock and sector concentration risks • Addressing misconceptions about the S&P 500 and diversification • Highlighting institutional protections for investors • The pitfalls of managing multiple investment accounts • Encouraging effective portfolio management and consolidation Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Here's How To Live A Retirement Without Anxiety 22:13

19 weeks тому22:13

22:13

Navigating the complexities of retirement wealth requires a balance between prudent saving and intentional spending to enrich one’s life. We explore the fears surrounding financial security, the mental impacts of excessive frugality, and the regret people feel for not experiencing life fully as they transition into retirement. • Understanding fears about running out of money • Importance of the Rule of 72 and compound interest • Exploring the mental impacts of frugality • The role of financial planning in retirement • The balance between saving and enriching experiences • Identifying and addressing specific financial fears • Strategies for minimizing potential regrets in retirement • Real-life scenarios illustrating intentional spending choices • The consequences of excessive restraint on happiness • How to seize opportunities while maintaining financial security Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Behind The Scenes At Root: A Deep Dive Into Our Business 23:19

19 weeks тому23:19

23:19

We delve into the intricate hiring process at Root Financial, exploring how we select advisors to ensure a consistent and cohesive experience for clients. Emphasizing culture, philosophy, and the importance of advisor-client relationships, we highlight our commitment to developing a thriving team committed to serving clients optimally. • Discussing today's episode focus on hiring culture at Root • Importance of consistent philosophy among advisors • Overview of Root University training program • The concept of the 'farm system' for developing advisors • Significance of cultural fit during hiring • Role-play assessments to gauge advisor capabilities • Insights into advisor-client dynamics at Root • Commitment to continuous improvement and learning • Anticipating future discussions on what sets Root apart Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
7 Steps To Check Off Before Retiring Early 16:29

19 weeks тому16:29

16:29

Exploring seven essential steps to prepare for early retirement empowers listeners to approach their golden years with confidence and clarity. From understanding financial needs to defining personal success, this episode guides you through crucial retirement planning considerations. • Evaluating how much money you truly need for retirement • Contemplating your work status during retirement • Identifying alternative income sources for financial stability • Adjusting your savings strategy to ensure flexibility • Determining how much you want to leave behind for heirs • Exploring different investment approaches and risk levels • Defining personal success and fulfillment in retirement If you have a question that you want answered in a future episode, you can always go to my website, earlyretirementpodcast.com. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Much Do I Need To Spend $10k/Month In Retirement? Hint: LESS THAN YOU THINK! 14:53

20 weeks тому14:53

14:53

Understanding how much money you really need for retirement is essential. This episode reveals that you don't necessarily need $3 million to retire comfortably, and discusses dynamic spending and adaptable withdrawal strategies to enhance financial security and freedom. • Overview of common retirement spending misconceptions • Importance of dynamic spending throughout retirement • Critique of the 4% rule and its limitations • Introduction to Guyton's Guardrails approach for adaptive withdrawals • Necessity of a diversified portfolio for sustainable withdrawal rates • Exploration of supplemental income sources like Social Security • Encouragement to rethink retirement spending strategies • Call to action for listeners to engage with the content and submit questions Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
You Won't Believe How This Couple Retired Early With $500k+ 14:39

21 weeks тому14:39

14:39

Imagine retiring early and living comfortably on just $500,000 in liquid assets. How did one couple manage to make this dream a reality without being investment experts? In this episode, I uncover their inspiring journey, where strategic lifestyle choices played a crucial role in their financial independence. Despite some initial hesitations to reveal their story, the couple offered valuable insights into how they achieved early retirement by aligning their financial resources with their lifestyle goals. This episode is a testament to the fact that financial freedom isn't reserved just for millionaires, but is attainable for those who prioritize their values and make thoughtful, deliberate choices. As we continue, another story unfolds featuring a couple in Oxnard, California, who are paving their path to retirement with nearly a million in net worth and a budget of $3,500 a month. Without the burden of a mortgage and plans to tap into Social Security, their primary concern remains healthcare costs. Their story highlights the diversity of retirement strategies and underscores the importance of aligning one's personal values with their spending habits. Listen in as we contrast their modest yet comfortable approach with others who have significantly different financial goals, and discover how these varied strategies can help you rethink your own retirement planning. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Here's How To Decide When To Turn On Social Security 24:10

22 weeks тому24:10

24:10

Could the future of your retirement be at risk? Join us as we unravel the complexities of retirement planning amidst looming Social Security reductions and unpredictable economic factors. In this episode, James Conole, founder of Root Financial, empowers you with the knowledge to tackle these challenges by using tools like Monte Carlo simulations to model various scenarios. Learn how to transform retirement anxieties into actionable strategies, ensuring that your financial plan remains flexible and robust no matter what lies ahead. Our discussion takes a personalized approach to financial planning, recognizing that retirement is not a one-size-fits-all journey. Explore the trade-offs between extending your career or adjusting your spending habits, and how these decisions resonate with personal values and lifestyle goals. We focus on aligning financial strategies with individual aspirations while considering the impact of market fluctuations, tax implications, and evolving policies. Whether it's finding fulfillment in part-time work or planning for changing spending patterns, this episode is about making informed decisions that support your unique path to a fulfilling retirement. James sheds light on the intricacies of Social Security benefits, debunking common misconceptions and emphasizing the importance of comprehensive planning. From understanding spousal benefits to navigating healthcare subsidies and tax strategies, we offer insights to help you move beyond fear-based decision-making. Discover how to build a secure retirement strategy that adapts to potential changes and future uncertainties. Don't miss this episode as we guide you towards a more secure and enjoyable retirement journey, allowing you to focus on what truly matters—spending time with loved ones and savoring life's experiences. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Do I Invest To Create The Most Income In Retirement? 15:55

22 weeks тому15:55

15:55

When is the right time to make work optional? What are the real costs of retiring too early or too late? Join us as we challenge conventional retirement wisdom and unpack the delicate balance between financial security and life enjoyment. You'll gain practical insights into the pitfalls of the FIRE movement and learn how to avoid compromising health and relationships in the pursuit of early retirement. By examining diverse client scenarios, we highlight the importance of timing, empowering you to make retirement a choice rather than an obligation, and to enjoy a future filled with confidence and clarity. Explore the intriguing world of dynamic retirement spending strategies with us as we stress the importance of a flexible withdrawal rate. Discover how adjusting your financial plans to accommodate changing market conditions and personal expenses can lead to a vibrant early retirement. The discussion also delves into the benefits of extending your working years slightly, which might significantly impact your financial stability later in life. With guidance from a community of listeners and experts, you'll walk away equipped with the tools to navigate required distributions and adapt your plans for a secure and enjoyable retirement journey. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Do I Know When I Can Retire Early (Not Work Forever)? 35:20

23 weeks тому35:20

35:20

Is $7.8 million enough to retire at 57, debt-free and confident in your financial future? Many of you are thinking...OBVIOUSLY! Join us as we unpack this intriguing question, sparked by a listener's inquiry. While the numbers may suggest a straightforward answer, we dive much deeper, exploring the intangible aspects of retirement planning. At the heart of our discussion is the Sequoia system from Root Financial, a structured approach that transcends mere financial analysis to help you find true purpose and fulfillment in your post-career life. Crafting a sustainable retirement cash flow strategy is no simple task, as we reveal through stories of clients with similar portfolios leading vastly different retirements. It's not just about how much you have, but how you want to live. We discuss the dynamic nature of financial planning, emphasizing the need to adapt based on lifestyle expectations, family dynamics, and multiple income streams like investments or pensions. Our aim is to ensure you can enjoy your desired quality of life without the fear of outliving your resources. Balancing enjoyment and financial security involves a thoughtful approach to investment risk and tax strategies. We delve into the perils of concentrated investments and the challenges of being overly conservative. Through personal anecdotes, such as my dad's risky investment in Monster stock, we explore the emotional side of financial decisions. Finally, delve into optimizing tax and estate planning strategies, highlighting that true wealth is not just about money but the absence of worry, allowing you to focus on what truly matters—making the most of a fulfilling retirement. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
Here's Why You Shouldn't Worry Regardless Of Who Is In Office 11:41

23 weeks тому11:41

11:41

This episode should decrease your worries - using statistics (not opinions). Join me as we tackle common worries related to politics and retirement planning through the lens of a relatable couple's concerns. While they grapple with fears of market fluctuations and tax changes, I'll show you how to remain resilient in your financial journey. As a financial advisor, part of my role is to guide you in distinguishing between genuine concerns and unnecessary noise. So, when the latest political upheaval comes up in conversation, you can rest assured with a robust and stress-free retirement plan. Listen in to find peace of mind and learn how to fortify your financial future, regardless of what lies ahead. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
How Ari & James Met - Here's How Root Was Founded 30:01

24 weeks тому30:01

30:01

Forced out of one path, we took a leap into the unknown that birthed Root, a financial services company with a fresh vision. Join us and our special guest, James, as we recount the serendipitous meeting in a Santa Monica Starbucks that sparked a revolution in financial management. This episode promises insights into how aligning financial advice with life goals can transform not just portfolios but lives, turning money into a meaningful tool rather than a mere transaction. Discover how Root evolved from a concept to a flourishing business, guided by a mission that challenges the traditional norms of finance. We share the trials and triumphs of our early days, including the creation of our podcast and YouTube channel, aiming to inspire and educate a growing community. Our story is not just about numbers but about people, purpose, and the passion that drives us to help clients live richer, more intentional lives. As we wrap up, we delve into the essence of investing with purpose, emphasizing the importance of understanding both the potential and the risks. We underscore that past performance is not a predictor of future success and the necessity of personalized professional advice. Tune in to learn how Root continues to guide clients toward maximizing their financial potential while staying rooted in values and holistic well-being. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
3 Easy Steps For Happiness In Retirement 10:45

24 weeks тому10:45

10:45

Could the key to a happy retirement be more than just financial security? Discover the often-overlooked emotional and psychological dimensions of early retirement that can make all the difference. We explore surprising research findings showing a dip in life satisfaction post-retirement and reveal how it can take years to regain your pre-retirement quality of life. Through a compelling client story, we demonstrate the potential dangers of focusing solely on wealth accumulation, especially when unexpected health issues arise. Learn why aligning financial goals with personal well-being is crucial for a fulfilling retirement experience. We invite you to become part of our conversation by submitting your questions and feedback through earlyretirementpodcast.com. Your interactions are vital, and sharing our podcast can help others navigate the complex landscape of early retirement. Don't forget to rate and review us to help spread these valuable insights. While our discussions are rich with information, remember to consult with financial or tax professionals before making decisions based on our content. This episode offers thoughtful exploration and practical guidance for planning a satisfying post-career life. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
STOP! Consider THIS Before Doing a Roth Conversion 32:25

25 weeks тому32:25

32:25

Too many people think a Roth conversion will fix all of their problems. Surgery can be great, but not always necessary. Our conversation takes a deep dive into the heart of retirement planning, focusing on the flexibility between spending habits and Roth conversions. Imagine a couple with varying monthly spending plans, trying to figure out how they can adapt to avoid unnecessary financial maneuvers. We stress the significance of aligning your financial decisions with your personal goals, ensuring that you're not sacrificing your quality of life for mere tax savings. Life goals should always take precedence over tax savings. We'll guide you through creating an income plan that aligns with your values, with Roth conversions coming into play strategically, only when they support your overarching life aspirations. From navigating the potential pitfalls of required minimum distributions to understanding the impact of IRMAA and the social security tax torpedo, our aim is to equip you with the knowledge to make informed, thoughtful financial decisions. So, grab a seat as we unravel the complexities of Roth conversions and the importance of a well-rounded retirement plan. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
8 Tax Strategies To Consider Before Year-End 23:06

25 weeks тому23:06

23:06

Tax Strategies Before Year-End -> Consider These 8! Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence. “Early Retirement – Financial Freedom” is a podcast produced by Root Financial Partners, an SEC-registered investment adviser. The content provided is for informational and educational purposes only. It should not be interpreted as investment, legal, or tax advice. I may reference planning situations based on real client experiences, but they’ve been simplified for clarity. Always consult your own financial advisor before making decisions. Listening to this podcast does not create or imply an advisory relationship with Root Financial. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Testimonials and endorsements do not reflect all client experiences and are not compensated. Learn more at our website or by reviewing our Form ADV at https://adviserinfo.sec.gov .…

Early Retirement - Financial Freedom (Investing, Tax Planning, Retirement Strategy, Personal Finance)

1
This Is The Danger Of Working One More Year: Goalpost Planning 25:11

26 weeks тому25:11