Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment

Financial media loves simple answers: always do this or never do that. But real financial planning doesn’t work that way. Most of the biggest decisions people face in retirement live in the gray. Phil pulls back the curtain on the sensational advice dominating YouTube and financial media. Instead of chasing rigid rules, he explains why thoughtful coordination across multiple planning areas produces better outcomes.

Here’s some of what we discuss in this episode:

💰 Roth Conversions: Tax bracket timing matters

📊 Social Security: Math vs comfort decision

🛡 Life Insurance: Term vs permanent purpose

🏠 Mortgage Question: Numbers vs emotions

🧠 DIY Planning: Experience changes outcomes

For more, visit us online: http://philstaxhacks.com

Watch the video podcast on YouTube: https://bit.ly/3WdDG96

Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment

Inheriting a home often brings more questions than answers, especially when taxes enter the conversation. Many families delay decisions because they’re afraid of making an expensive mistake. Phil clears up common misconceptions and explains why the tax outcome is often very different than people expect. If an inherited property is creating stress or uncertainty in your family, Phil shares some much-needed clarity.

Here’s some of what we discuss in this episode:

🏠 Property Value Basics: How inherited homes are valued

💸 Capital Gains Reality: Why the tax fear is often overstated

🧠 Beyond the Numbers: Emotional and logistical challenges families face

📜 Estate Planning Tools: How trusts and ownership structure matter

⚖️ Legal & Financial Considerations: What to think through before selling

For more, visit us online: http://philstaxhacks.com

Watch the video podcast on YouTube: https://bit.ly/3WdDG96

Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome

Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment

Big-name financial personalities make bold claims that sound smart, but should you actually follow them? Phil reacts to some of the most talked-about money advice from well-known figures and puts it under a real-world lens. What happens when headline advice meets real people, real risk, and real retirement timelines? If you’ve ever wondered whether popular financial wisdom actually applies to you, this conversation will make you think twice before taking it at face value.

Here’s some of what we discuss in this episode:

💰 Bold Investment Claims: All-or-nothing retirement bets

🛡️ Extreme Safety Buffers: Cash comfort with hidden costs

🔥 Aggressive Withdrawal Rates: High risk in retirement

🤖 AI Utopian Promises: Betting retirement on future tech

🧭 Professional Perspective: Context beats headlines

For more, visit us online: http://philstaxhacks.com

Watch the video podcast on YouTube: https://bit.ly/3WdDG96

Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome