This episode explores how advisors and homeowners are rethinking Roth conversions in today’s tax environment—and why liquidity, not intent, is often the biggest barrier.

We’ll discuss how home equity can be used strategically to fund Roth conversions without selling investments, disrupting portfolios, or creating new debt. The conversation will focus on real planning scenarios, tax optimization, and how advisors can model these decisions holistically rather than in isolation.

Listeners will walk away with a clearer understanding of:

Why Roth conversions remain underutilized despite their long-term value

The role home equity can play as a planning asset

How integrated planning tools are changing advisor-client conversations

What “tax optimization” really looks like in practice for mass affluent households

This is a planning-first discussion designed for advisors, planners, and financially engaged homeowners navigating retirement decisions.

🔹 Learn more at 62WhoKnew.com

Chapters:

00:00 Introduction to 62 Who Knew Professional Edition

02:53 Understanding Roth IRA Conversions

05:46 Challenges in Executing Roth Conversions

08:37 Introducing Chiefs: A New Funding Solution

11:52 Real-Life Application of Chiefs for Roth Conversions

14:43 Comparative Analysis of Funding Roth Conversions

17:41 The Importance of Aging in Place

20:44 Why Financial Advisors Should Care

24:09 Strategic Solutions for Wealth Advisors

25:33 Enhancing Financial Planning with Home Equity

27:50 Creating Better Outcomes for Clients

29:59 Understanding Home Equity vs. Home Ownership

31:20 The Importance of Thoughtful Financial Planning

34:01 Addressing the Fear of Running Out of Money

35:46 Accessibility of Financial Solutions for All

37:20 Comparing Financial Tools and Strategies

39:37 Changing the Paradigm of Financial Planning

41:54 The Value of Innsmark Tools for Advisors

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

David Huerta, CEO of Whole Person Virtual Care, shares how the platform delivers fast, effective virtual medical care—with 96% of users receiving diagnosis and treatment on their first contact. This episode breaks down usage patterns, the role of women in care coordination, and how the service reduces unnecessary ER visits—especially during late-night emergencies.

🔹 Learn more at 62WhoKnew.com

🔹 Connect with our panelists:

📌 David Huerta – Whole Person Virtual Care

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/

As 2025 comes to a close, host Michael Banner revisits the moments that made this year unforgettable on 62WhoKnew. From powerful stories on gray divorce and groundbreaking approaches in senior care to financial insights that could redefine retirement, this special highlights episode features a range of voices that informed, inspired, and sometimes challenged us.

🔹 Learn more at 62WhoKnew.com

Get Mike's Book: A Gift From My Father

https://bit.ly/AGiftFromMyFather

Follow us on Social Media:

https://www.facebook.com/62whoknew

https://www.linkedin.com/in/michaelbanner1/

DISCLAIMER: The 62WhoKnew Podcast discusses retirement planning, healthcare issues, long-term care, Social Security, Medicare, Medicaid, and other government-administered programs solely for the purpose of education and consumer awareness. We do not endorse political parties, candidates, legislation, or policy agendas. Any reference to government programs is strictly informational and is not political commentary. Our sole mission is to help Americans plan for a longer, healthier, more secure retirement.

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Episode Shot and Edited at BlueBox Studios Tampa

https://blueboxdigital.com/