David and Khalen Dwyer discuss HonestMath.com’s research proposing a conservative 4% annual withdrawal for a 30-year retirement–contradicting Ramsey’s long-standing advice of an 8% withdrawal rate. Khalen explains how Ramsey’s assumptions defy both…
HonestMath.com Weighs In on Dave Ramsey’s Epic Meltdown Over the 4% Rule Read More »
David makes a clear preface: “If anyone ever tells you to cash out your 401k and put it all into an IUL, you’re to turn around and run the other way!” This episode addresses what David refers to as “the worst IUL TikTok video I’ve ever seen;…
The Worst IUL TikTok Video You’ve Ever Seen (Financial Malpractice on FULL Display) Read More »
One of the things Dave Ramsey is famous for is telling his audience that they can take sustainable 8% distributions from their stock market portfolios in retirement. David has two issues with this recommendation: it ignores reams of academic data on…
How to Take SUSTAINABLE 8% Withdrawal Rates in Retirement (Not the Dave Ramsey Way) Read More »
David talks to Tom Hegna, an economist, author, and popular industry speaker considered by many to be the retirement income expert. David reveals how he learned about the unstable fiscal trajectory of the U.S. and why he wrote the book, “The Power of…
How to Become a Tax-Free Millionaire (with Tom Hegna) Read More »
Check the background of this firm on
Copyright © 2023 H&R Wealth Management
Securities and Investment Advisory Services offered through Brokers International Financial Services, LLC. Member SIPC. Brokers International Financial Services, LLC is not an affiliated company.
This site is published for residents of the United States only. Representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed until appropriate registration is obtained or exemption from registration is determined. Not all of services referenced on this site are available in every state and through every advisor listed.
H&R Wealth Management does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.
Not associated with or endorsed by the Social Security Administration or any other government agency.
Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.
Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.
