Gene and Alyssa answer questions: She asks how long she should keep her income tax records? They ask how much they can contribute to the Roth IRAs based on his income? They want to know how to transition their investments into income as retirement comes near? What are some actions to take early in 2025 rather than waiting? And we are still feeling …

Gene and Alyssa answer questions: She asks what she must do to change the beneficiaries of her will? They ask how to get complete retirement advice rather than just investments? They ask if they should pay off their mortgage that carries a 1.99% interest rate? She asks what to do with an annuity that was intended for her daughter who recently passe…

Gene answers questions: He asks if there is a way to ‘defer’ excess capital gains on the sale of their home? They are asking what resources are available to guide them in the sale of their business? He asks what the guidelines are for the new ‘Super’ Catch-Up provisions for a 401(k)? He asks if he should take back stock he gave to his daughter? And…

Gene and Alyssa answer questions: What would you do if you won a $1.2 Billion lottery? He has been disabled for 18 years. Will his wife be able to retire. They have nearly all their investments in one stock. Is this a tax nightmare? What online trading platform do we recommend? And we are still feeling very, very blessed Free Second Opinion Meeting…

Gene and Alyssa answer questions: How can they protect the family home from Medicaid and keep it in the family? Why would a union require its members to report side jobs? There may be a good reason. What are the 5 year rules for Roth IRAs and how do they work? Should they take out a home equity loan or take the money from their IRAs? And we are sti…

Gene and Alyssa answer questions: Should they pay off their son’s mortgage? Can they send their RMDs to their niece without taxes? He has 70 stock positions and wants to make things simpler for his heirs? He wants to know the capital gains rate on selling silver coins? And we are still feeling very, very blessed Free Second Opinion Meetings Meet wi…

Gene and Alyssa answer only a few questions. Mostly they spent two hours: Greeting people Hugging people Thanking people Holding babies And feeling very, very blessed Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to pla…

Gene and Alyssa answer buckets o’ questions: She asks if her trust should be the beneficiary of her IRAs? He reports that the interest on his I-Bonds has dropped dramatically. Should he go? She received a $4 million settlement and wants to know how to avoid ‘blowing it’? He asks if he can loan his daughter funds to pay off her mortgage and how best…

Gene and Alyssa answer buckets o’ questions: He asks best way to sell his father’s home and invest for long term care and security? His previous financial company has not released his funds and it’s 3 months. What now? He wants to know if working part-time will increase his social security benefits? He wants to know the mechanics of moving money fr…

Gene and Alyssa answer buckets o’ questions: He asks how investment management fees are calculated and what they cover? They are moving from PA to NC and wonder if there are tax strategies to save on state taxes? He moved 50% of his account into gold. Now he asks if that is a good idea? She wonders if it is necessary to change her investments every…

Post-Election Day, what happened to the stock market, and what did the Federal Reserve do? Your host Alyssa Young recaps these events and talks about myriad other topics, including: Get the new IRA and 401k contribution limits for 2025. If you’re considering becoming an MtM tax client for your 2024 return, get on the list now. Learn what info we ne…

Gene and Alyssa answer buckets o’ questions: She asks if she needs a power of attorney to act for her husband? He offers up some suggestions for buying gold and silver in an IRA? MtM does not endorse his ideas Gene gets snarky with ‘expert’ who says some clients are not ‘profitable’. Gene says he is very wrong. Their accountant says tax treatment m…

Social Security & Medicare specialist Mark Bacak joins your host Alyssa Young to describe changes to Social Security and Medicare effective in 2025. If you have an Advantage plan or Part D drug plan, learn what you need to do before the open enrollment period ends Dec. 7. MtM financial advisor Chad Rupprecht phones in to help people put their anxie…

Gene and Alyssa answer buckets o’ questions: He asks what we use in our investment portfolios in place of bonds? They have old 401(k)s that give them heart burn at RMD time. What should they do? If IRA profits are taxed at ordinary income tax rates instead of capital gains rates why should we do them? She asked us to review our ‘RMD Elimination Str…

Gene and Alyssa answer buckets o’ questions: He wants to know if they should be using a Robo-Advisor? She asks why we don’t name names when discussing protective investments? They want to know if there is a geographical limit to MtM’s accepting clients? (No!) She is 72, retired, and bored! “No one will hire me” What should she do? Lots more . . . F…

Reverse mortgage specialist Tiffany Shutta joins your host Alyssa Young to debunk six common misconceptions about reverse mortgages. Learn the realities about how this government loan works in the last segment of the Oct. 5 broadcast. Earlier in the show, Alyssa covers myriad topics and answers several listeners’ questions via phone and email: We’r…

Gene and Alyssa answer buckets o’ questions: She wants to know why Fidelity is preventing her from getting good advice on her 401(k)? He wants to know the income tax treatment on Roth IRA contributions and earnings? They want to know if it is wise to finance the construction of their new home with an asset pledged line? Her deceased father’s adviso…

Gene and Alyssa answer buckets o’ questions: Their kids live less than an hour from the MtM World Headquarters. Should they make the trip? Did this financial advisor have $10 Billion of assets or $11.5 trillion? If your advisor is only licensed to sell insurance and annuities is he/she really a financial advisor? He is 70 and starting his social se…

Gene and Alyssa answer buckets o’ questions: He is 75 and asks how to invest $500,000? He will be turning 65 shortly and is confused about Medicare options. How does he know what to do? Her friend is retiring in 8 months. What should she be doing now? She asks about setting up the correct beneficiaries to protect her children and grandchildren? Lot…

Gene and Alyssa answer buckets o’ questions, interview Folds of Honor scholarship recipient, Liz Brees, and enjoy the hospitality of Leader of the Pack Canine Institute. Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to …

Gene and Alyssa answer buckets o’ questions: She asks what happens if a child passes before a parent, but is still named in the will? He is 81 and wonders how to invest $275,000? He is 70 and asks if he should move his investments out of the stock market until things ‘settle down’? He is asking where he can get information about retiring to a count…

Gene and Alyssa answer buckets o’ questions: He turns 70 on October 12th. What is his best way to apply for social security? He is 81 and has always handled the family finances. Can we help give his wife peace of mind? She has $100,000 in short term bonds for her three sons. Should they stay there or is there a better investment? She is hoping some…

Gene and Alyssa answer buckets o’ questions: He asks if his mom should pay off the loan she has against her life insurance policy? He asks if his investments should have out-performed the S&P 500? He and other family members will be inheriting his mother’s home. How does he get to own it all? She asks what to do about her son who will not repay a l…

Gene and Alyssa answer buckets o’ questions: She asks if her son should pay ahead on his mortgage. Spoiler alert – it’s not the answer you might expect! She asks if a financial advisor and a tax advisor are the same? As you will expect – it depends! She is retiring from PSERS. Should she take her contributions out or leave them in? They have invest…

Gene and Alyssa answer buckets o’ questions: She and her husband disagree on how to split their estates. How do they resolve this? He asks about donating a life insurance policy to a charity? She finds the Social Security web site frustrating for securing her spousal benefits. What should she do? She is retiring and her pension is offering her a co…

Gene and Alyssa answer buckets o’ questions: He asks if an executor is personally responsible for paying inheritance tax if the estate runs out of money? He is receiving money from an estate that he wishes to go to his nephew. Can he use a disclaimer? Social media says you should use an irrevocable trust for your family. True or false? She and her …

Gene and Alyssa answer buckets o’ questions: He found out his partner has been lying to him about her finances for years. Should he stay? He retired and started consulting. Can he set up a retirement plan? He doesn’t want a 529 plan for either of his young children. Is he right? She made a gift to son and daughter-in-law. Did she do it right? Lots …

Gene and Alyssa answer buckets o’ questions: Her advisor isn’t a good fit. How does she find one that is? Is umbrella liability insurance a good idea? He asks if AI (Artificial Intelligence) will benefit big or small companies more? She asked another advisor about ‘buffered ETFs’ and he had no idea. What gives? Lots more . . . Free Second Opinion M…

Gene and Alyssa answer buckets o’ questions: He wants to know if he should pay off his mortgage early (spoiler alert – yes!)? He asks if Pennsylvania taxes the gains on the sale of personal residences? She wants to know if a recession is coming and what to do if it is? She believes Social Security is a right provided to us by the Constitution (spoi…

Gene and Alyssa answer buckets o’ questions: How secure is Social Security? He and his son are beneficiaries of a pension plan. What are their options? Should one of his children use MtM Financial as their financial advisor? Her top priority is getting her home and property to her son. What steps should she take? Lots more . . . Free Second Opinion…

Gene and Alyssa answer buckets o’ questions: Gene’s friend, Rook, has questions about foreign currencies? Bob was surprised at the tax treatment of U.S. treasuries. She wants to know how the ‘look-back period’ works for gifts and Medicaid. How do they navigate the journey from their current home to a down-sized home? Lots more . . . Free Second Opi…

Gene answers buckets o’ questions: What are the mechanics of converting from an IRA to a Roth IRA? What are the mechanics of initiating withdrawals from a Rollover IRA? What are the mechanics of keeping Medicare premiums as low as possible? Should his wife be the beneficiary of his accounts or the joint owner? Lots more . . . Free Second Opinion Me…

Gene and Alyssa answer buckets o’ questions: What are the rules for making gifts to children to then qualify for Medicaid? Is a rollover from a 529 plan into a Roth IRA taxable on your PA return? How can he gift money to his children from his IRA without paying income taxes? Her annuity earned 5% in 12 years. How is such bad performance even possib…

Gene and Alyssa answer buckets o’ questions: What amount can a husband and wife deduct on their PA income tax for 529 contributions? He wants to work after he reaches full social security. Will he just lose it all to taxes? He asks how to choose a financial advisor and what to expect from that advisor? They are in their 80’s with IRAs. What happens…

Gene and Alyssa answer buckets o’ questions: Should he take a big block of money out of his IRA to pay cash for an investment property? She’s doing lots of good things at age 36, but is she really ‘all over the place’? He would like the peace of mind of paying off his mortgage. Is it really a good idea? Why won’t Gene just send out information on R…

Gene and Alyssa answer buckets o’ questions: Should he take $250,000 out of his 401(k) to pay off his sons’ student loans? She is wrapping up her small business. Should she sell now or when she retires? He is 79 with a large IRA. His wife has never had an IRA. What happens to her when he dies? She inherited and IRA in 2015. Does the ten year rule a…

Gene and Alyssa answer buckets o’ questions: Her Long Term Care Insurance premiums are through the roof! What should she do? He wants a meeting to see if we are a good fit? Is that the right attitude to start? You bethcha! He likes our shows even though we don’t always agree. Is that ok? You bethcha! She wants to know the best strategies for buying…

Gene and Alyssa answer buckets o’ questions: What does it mean for an investor when a company does a stock buy-back? She is named in a will and doesn’t want to be. How can she get herself removed? How can someone make a tax-free donation from their IRA? Will this widow be able to safely retire? Lots more . . . Free Second Opinion Meetings Meet with…

Gene and Alyssa answer buckets o' questions: Is it ok with the IRS if business owners just pick their salaries? What is the penalty if you need to cash in an I-Bond early? How do mutual fund or exchange traded funds impact the returns an investor might see? If most of your assets are in IRAs should you also set up a trust for your kids? Lots more .…

Gene and Alyssa answer buckets o' questions: He asks if the advisor is trying to pull a fast one? If he retires at age 57 can he take cash from his 401(k) without paying a penalty? She just wasn’t that impressed with Gene the first . . . or second time. Was the third time a charm? Will selling one fund at a loss cut the taxes on the sale of a secon…

Gene and Alyssa answer buckets o’ questions: He is making a gift of land to his church. What’s the right way to do that? She asks if leasing a car would be wrong for her? They are both teachers and a salesman at school says they should buy life insurance. Should they? Is the 529 plan he set up for his grandson really out of his estate? Lots more . …

Gene and Alyssa answer buckets o’ questions: He asks if inflation is the reason the stock market is going up? Her friend is disabled and approaching 65. When should he apply for Medicare? The family wants to gift money to a special needs granddaughter. How should they best do that? Is a month too long for a transfer from a 401(k) to an IRA? Lots mo…

Gene answers buckets o’ questions: Should a student in high school with $1,742 of income file a tax return anyway? (Spoiler alert – Yes!) How do the Bitcoin ETFs work? Why has Vanguard said they won’t offer one? What should you do if your financial advisor is ‘bought out’ by a huge national firm? Is it possible he might still get an old pension fro…

Gene and Alyssa answer buckets o’ questions: Should a student in college with no income file a tax return anyway? (Spoiler alert – Yes!) She is retiring in September. Will her husband get a bump in his social security? What will the capital gains rates be in the future? (Spoiler alert – no one has a clue!) Is it possible to pre-plan your funeral wi…

Gene and Alyssa answer buckets o’ questions: How does a QCD (Qualified Charitable Distribution) affect his income taxes? What are the pros and cons of the various ways to own gold as an investment? Will she get a share of his inheritance ($1 million) should they get a divorce? He wants to understand the basics of saving and investing. Lots more . .…

Alyssa takes charge and is joined by: Chad Rupprecht – financial advisor and a super hero in a fleece vest Greg Grillo – financial advisor, superstar golfer, and Abby’s dad Melissa Boyer – assistant operations director makes her radio debut! Our audience – the best in America! Lots more . . . Free Second Opinion Meetings Meet with a More than Money…

Gene and Alyssa answer lots of listener questions: Should he roll his IRAs into his U.S. government TSP program? How can she set up her stock holdings so they go directly to her sons? Is it too late to save their home? His advisor wants to charge him $265/hour for a financial plan. Is that reasonable? Lots more . . . Free Second Opinion Meetings Me…

Gene and Alyssa answer lots of listener questions: She is looking for ways to supplement their social security income. Why won’t he help? He thinks he will save a ton of money if he fires his financial advisor. Is he right? Their son is serving in the Marines and may have messed up his PA tax return. Can we help? Medicaid might take the family home…

Gene and Alyssa answer lots of listener questions: They have two grown children they want to help. IRAs? He shifted from employee to self-employed. How does he save for retirement? She wants to move $25,000 each into 529 plans for her 4 grandchildren. What’s the best strategy? What records should you keep when you make improvements to your home? Lo…

Gene and Alyssa answer lots of listener questions: He has a tenant who can’t pay his rent due to health issues. How can help? How does she know the cost basis of a stock she got through a stock split? What can he do about a fraudulent $1,000 charge on his debit card? Should he roll his old 401(k) into his current 401(k)? Lots more . . . Free Second…