Past Shows

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July 31, 2010

Burk & Julie discuss retirement planning and Roth IRA conversions.  They also take listeners’ questions about master limited partnerships, credit card debt, and 403(b) plans.

July 10, 2010

Burk & Julie discuss retirement and the difference in planning the “what for” instead of just the “how much.” They also discuss on-line banks and take listeners’ questions about preferred stocks, inherited stocks, Roth IRA conversions, home purchases and gift taxes.

June 26, 2010

Julie & Shawn discuss Roth IRA conversions and tax strategies. They also take listeners’ questions about the potential taxes on Roth IRAs, investing in human capital, and costs associated with Roth conversions.

June 19, 2010

Burk & Julie discuss strategies to help reduce income taxes. They also take listeners’ questions about annuity transfers, savings and 401(k)s, as well as issues for executors of an estate.

June 12, 2010

Burk & Julie discuss long term care protection and tax deferred and tax free investing. They also take listeners’ questions about inheritance, Roth IRA conversions and asset allocation.

May 23, 2010

Burk & Julie discuss the new Health Care Bill and the upcoming 3.8% surtax that will apply to certain investment income beginning in 2013. They also take listeners’ questions regarding how much to invest in a 401(k), guaranteed income, and Roth IRA conversions and the potential 10% penalty.

May 22, 2010

Burk & Julie discuss on-line banks, Roth IRA conversions and beneficiary designations. They also take listeners’ questions about inherited IRAs, Required Minimum Distributions from IRAs, and Roth 403(b) and Roth IRA contributions.

May 16, 2010

Burk & Julie discuss the differences in estate taxes and income taxes. They also take listeners’ questions about Roth conversions, estate taxes and inherited Roth IRAs.

May 15, 2010

Burk & Julie discuss the issue of no estate taxes in 2010 (at least for now), and the importance of helping to protect your assets by utilizing long-term care insurance. They also take listeners’ questions about pension survivor options & IRAs.

May 09, 2010

Burk & Julie discuss the recent market volatility and the Dalbar Study comparing investment returns with actual investor returns. They also take listeners’ questions about on-line banks, Roth conversion taxation and on-line investment scams.

May 08, 2010

Burk & Julie discuss the stock market plummet this past week. They also take listeners’ questions about market losses, repositioning, asset allocation and Roth conversions.

April 25, 2010

Burk & Julie discuss not having all of your eggs in one basket. They also take listeners’ questions regarding 401(k) rollovers, establishing 403(b) plans, investing in bankrupt stocks, and “fee-based” accounts.

April 24, 2010

Burk & Julie discuss a recent study showing many seniors are staying in the workforce longer. They also take listeners’ questions about Roth conversions and Social Security.

April 18, 2010

Burk & Julie discuss potential threats to wealth during retirement. They also take listeners’ questions about Social Security disability, gifting for estate planning purposes, selling a municipal bond to pay off a mortgage, and Roth IRA conversions.

April 17, 2010

Burk & Julie discuss IRAs and distribution mistakes when it comes to retirement plans. They also take listeners’ questions about settlements and retirement planning.

April 11, 2010

Burk & Julie discuss income tax planning and special income tax provisions such as ten-year averaging and capital gains treatment. They also take listeners’ questions about saving for retirement outside of work and income tax brackets.

April 10, 2010

Burk & Julie discuss income tax issues and more of the IRS dirty dozen income tax scams. They also take listeners’ questions about cashing out IRAs to invest in real estate and how to invest 401(k) money in light of the recent market upswing – are we due for another downturn?

April 04, 2010

Burk & Julie discuss overlooked income tax deductions and some of the IRS dirty dozen income tax scams. They also take listeners’ questions about diversification and inherited IRAs.

April 03, 2010

Burk & Julie discuss estate tax legislation and potential mistakes when taking distributions from retirement accounts. They also take listeners’ questions about 401(k) rollovers, municipal bonds, life settlements and online banks.

March 28, 2010

Burk & Julie discuss Social Security reform and income tax planning. They also take listeners’ questions about a short sale versus continuing to rent a prior residence and 401(k) rollovers.

March 27, 2010

Burk & Julie discuss Social Security and pension reform. They also take listeners’ questions and discuss IRA required minimum distributions, Roth 403(b) and Roth IRAs, as well as Roth IRA conversions.

March 21, 2010

Burk & Julie discuss pro-active income tax planning and retirement plans. They take listeners’ questions about the new homebuyer programs for city employees, asset liquidation for nursing home costs, Roth conversions, and life settlements.

March 20, 2010

Burk & Julie discuss 401(k)s, IRAs and early distribution penalties. They take listeners’ questions about Roth IRA Conversions, Roth re-characterizations, and homebuyer tax credits.

March 14, 2010

Burk & Julie discuss 401(k) and IRA contribution limits and income phase-outs for 2010. They also take listeners’ questions regarding 401(k) rollovers, Roth IRA conversions and credit card debt.

March 07, 2010

Burk & Julie discuss IRA distributions, investing and estate planning. They also take listeners’ questions about gold and 401(k) rollovers.

March 06, 2010

Burk & Julie discuss retirement plans and income tax planning. They take listeners’ questions about the “good neighbor program,” Roth conversions, life settlements, credit card debt, which assets to access for long term care, and where to invest.

February 28, 2010

Burk & Julie discuss IRAs and 401(k)s. They continue their discussion from last week about some of the exceptions to the 10% penalty for early withdrawals from retirement accounts. They take questions from listeners about the medical exception for early withdrawals from an IRA as well as Roth IRA conversions and possible re-characterization.

February 27, 2010

Burk & Julie discuss IRAs and 401(k)s. They cover 2010 contribution limits and income phase-outs for IRA deductibility. For a caller, they address some of the pros and cons regarding a possible 401(k) rollover to an IRA. They also discuss beneficiary designations and “Stretch IRAs” as well as the possibility of inadvertently disinheriting grandchildren and other heirs. 

February 21, 2010

Burk & Julie discuss retirement planning issues. They also discuss the possibility of using excess cash in the bank to possibly either reduce debt or pay the tax on a Roth IRA conversion. They take caller questions about Roth conversions and VA disability benefits.

February 20, 2010

Burk & Julie discuss risks to your retirement you may not have even considered. They also discuss the 2010 Credit Card Act and help a caller hoping to renegotiate credit card terms. They discuss living trusts and why “probate avoidance” doesn’t always work.

February 14, 2010

Burk & Julie discuss a recent Supreme Court case involving beneficiary designations. They also cover some of the exceptions to the 10% premature withdrawal penalty that applies to most retirement accounts. They take questions from callers about life settlements, purchasing a home, and possibly using 401(k) assets to fund a business.

February 13, 2010

Burk & Julie discuss possible retroactive estate tax Ll. They also discuss Roth IRA conversions and lottery scams. They also discuss CD alternatives and dollar cost averaging with a caller disappointed in current interest rates.

February 07, 2010

Burk & Julie discuss Roth IRA conversions, the difference in savings and investments, and some of the differences between IRA rollovers and IRA transfers. They also take questions from listeners about saving for retirement and annuities.

February 06, 2010

Burk & Julie discuss IRA Required Minimum Distributions. They also take questions from listeners about how to create income from 401(k) assets, where to invest after getting out of debt, and Roth conversions.

January 31, 2010

Burk & Julie discuss 401(k) mistakes, target date funds and financial resolutions for the New Year. They also take questions from listeners about creating additional income ina alow interest rate environment and the pros and cons of investing for retirement or paying off debt.

January 30, 2010

Burk & Julie discuss more "Failed Forecasts" from various sources and Social Security myths. They also take questions from listeners about retiring at age 62 vs. age 65 as well as how to determine the appropraite asset allocation.

January 24, 2010

Burk & Julie discuss more 401(k) mistakes and more "Failed Forecasts" from various sources. They also take a listener's question about Social Security and a call from a retired broker seeking employment opportunities with Burk & Julie's firm.

Neither diversification nor asset allocation can ensure a profit or protect against a loss.

January 23, 2010

Burk & Julie discuss Social Security, asset protection strategies utilizing long term care, and more "Failed Forecasts" from various sources. They also take listeners' questions about estate planning and Social Security.

January 17, 2010

Burk & Julie discuss 401(k) and IRA rollover mistakes as well as emotional investor mistakes. They continue to share “Failed Forecasts” from various sources. They also take questions from listeners about 401(k) rollovers and investing for retirement for business owners.

January 16, 2010

Burk & Julie discuss retirement plan rollovers. They also share some interesting “Failed Forecasts” from various sources. They take listeners’ questions about IRA Required Minimum Distributions and online banks.

January 10, 2010

Burk & Julie discuss New Year’s resolutions, emotional investing mistakes, estate tax law changes, and Medicare premiums. They also take listeners’ questions about Required Minimum Distributions and online banks.

January 09, 2010

Burk & Julie discuss Social Security myths and Medicare premiums. They also take listeners’ questions about life settlements and possible income tax law changes due to healthcare reform.

January 02, 2010

Burk & Julie discuss New Year’s resolutions, Roth conversions and rollover mistakes. They also take listeners’ questions about using cash to invest for retirement or pay off a mortgage, inherited IRAs, and buying back military service to enhance city retirement.

Your Money with The Rosenthals discusses investment strategies that may not be appropriate for all investors. Discussions are presented for informational purposes only and should not be construed as recommendations and/or advice. Investment decisions should be based on risk tolerance, time horizon, tax situation and other individual factors. Investors should analyze their own unique situation and explore their options with the help of a qualified financial professional prior to carrying out any investment strategy. Investments are inherently risky and the value of the investments will fluctuate with changes in market conditions. Consideration should be given to the possible loss of a part or all of principal invested.

Past performance does not guaranteee future results.