Episode 53

The Idea Factory: Unpacking Annuities, NUA, and the 'Nuts and Bolts' of Investing - 12/27/2025

December 27th, 2025

52 mins 50 secs

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About this Episode

In this episode of "More for Your Money," host John Berkley discusses navigating a market entering its third consecutive year of double-digit returns. Acting as an "idea factory," Berkley explores the "nuts and bolts" of complex financial products, emphasizing the necessity of auditing annuity contracts for hidden fees and missing beneficiaries. He details specialized tax strategies, including Net Unrealized Appreciation (NUA) and managing distributions within the 12% marginal tax bracket to capitalize on 0% federal capital gains. Citing Dalbar research, Berkeley warns against emotional investing, urging listeners to plan for a retirement that feels like a "perpetual snow day".