web01.fireside.fm Sun, 03 May 2026 15:10:48 -0500 Fireside (https://fireside.fm) More for Your Money - Episodes Tagged with “Irmaa” https://moreforyourmoney.fireside.fm/tags/irmaa Sat, 31 Jan 2026 11:00:00 -0500 More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money. Disclosure: https://bit.ly/3Yc920O af episodic An Uncommon 'Cents' approach to investing Uncommon Cents Investing More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money. Disclosure: https://bit.ly/3Yc920O no More for Your Money, hosted by John Berkley of Uncommon Cents Investing, is a weekly radio show airing Saturdays at 9:06 AM on WCLO. With over 40 years of experience in portfolio management, John shares expert insights on investing, retirement planning, and wealth-building strategies. Whether you're looking for smart ways to grow your portfolio, navigate market trends, or make informed financial decisions, this show delivers practical advice tailored to everyday investors. Tune in each week for thoughtful discussions, listener questions, and actionable strategies to help you make the most of your money. Uncommon Cents Investing sheena@uncommoncentsinvesting.com Episode 58: Roth IRA Conversions: The Whys, the Why-Nots, and the Wisconsin Tax Exemption - 01/31/2026 https://moreforyourmoney.fireside.fm/58 b91c1b76-081d-4c30-992d-f89931590537 Sat, 31 Jan 2026 11:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing Join John Berkley of Uncommon Cents Investing as they share practical financial insights and strategies to help you get more for your money. 52:50 no In this episode of More for Your Money, John Berkley and Kit Carson explore the "rest of the story" regarding Roth IRA conversions. Berkley outlines the "whys" of converting, such as legacy planning for adult children or protecting high-value estates, alongside "why-nots" like potential IRMAA increases or Social Security taxation. A major highlight is the new Wisconsin tax exemption, allowing residents 67 and older to exclude up to $24,000 of retirement income per person from state taxes. The duo emphasizes integrating these variables with investment strategies, reminding listeners that retirement planning requires thorough "homework" and professional consultation. Roth IRA conversion, traditional IRA, retirement planning, tax bracket planning, 12 percent tax bracket, adjusted gross income, AGI, federal estate tax, 15 million estate limit, 30 million estate limit, market decline conversion strategy, market valuation, price to earnings ratio, trust taxation, Wisconsin retirement tax exemption, Wisconsin tax law change, 24000 dollar retirement income exclusion, Wisconsin seniors tax break, Janesville financial advisor, IRMAA, income related monthly adjustment amount, Medicare Part B premiums, Social Security taxation, Qualified Charitable Distribution, QCD, long-term care tax deduction, required minimum distribution, RMD age 73, RMD age 75 In this episode of More for Your Money, John Berkley and Kit Carson explore the "rest of the story" regarding Roth IRA conversions. Berkley outlines the "whys" of converting, such as legacy planning for adult children or protecting high-value estates, alongside "why-nots" like potential IRMAA increases or Social Security taxation. A major highlight is the new Wisconsin tax exemption, allowing residents 67 and older to exclude up to $24,000 of retirement income per person from state taxes. The duo emphasizes integrating these variables with investment strategies, reminding listeners that retirement planning requires thorough "homework" and professional consultation.

]]> In this episode of More for Your Money, John Berkley and Kit Carson explore the "rest of the story" regarding Roth IRA conversions. Berkley outlines the "whys" of converting, such as legacy planning for adult children or protecting high-value estates, alongside "why-nots" like potential IRMAA increases or Social Security taxation. A major highlight is the new Wisconsin tax exemption, allowing residents 67 and older to exclude up to $24,000 of retirement income per person from state taxes. The duo emphasizes integrating these variables with investment strategies, reminding listeners that retirement planning requires thorough "homework" and professional consultation.

]]> Episode 5: Roth IRA Conversions: The Why, the Why Not, and the Rest of the Story - 01/25/2025 https://moreforyourmoney.fireside.fm/5 48dfbf16-0791-47b0-83d6-67b1c365dc15 Sat, 25 Jan 2025 16:15:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing This week on More for Your Money, John Berkley and Kit Carson dive deep into a topic that generates more questions than answers: Roth IRA conversions. Should you convert? When does it make sense—and when does it not? With John's decades of experience and Carson's sharp curiosity, the duo takes listeners through a thoughtful, nuanced look at one of the most misunderstood moves in retirement planning. Using the classic Paul Harvey style—“the rest of the story”—John highlights the lesser-known risks and hidden pitfalls of converting, like the impact of future tax law changes, state residency, IRMAA brackets, medical expense deductions, charitable giving strategies, and even market timing. And yes, he also shares smart, strategic situations where a Roth conversion does make good sense. 52:54 no If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you. John and Carson explore: Why “taxes are going up in 2026” might not be a strong enough reason What most people forget about state income taxes and relocation in retirement The danger of converting at market highs How medical expenses and charitable giving can make traditional IRAs more tax-efficient When Roth conversions do make sense—like during market downturns or low-income years Why a Roth might be smart for people with large estates or trusts The importance of having cash on the side to pay the tax bill You’ll walk away with a clearer understanding of how Roth conversions fit into the big picture of retirement and tax planning—and why Uncommon Cents Investing takes an individualized, reason-first approach for every client. 🧠 Notable Quotes “We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley “If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley “Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne Roth IRA, Roth conversion, retirement planning, tax strategies, market timing, medical deductions, IRMAA, Qualified Charitable Distributions, estate planning, savers credit, Roth vs traditional IRA, uncommon sense investing, John Berkley, Janesville WI, personal finance If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.

John and Carson explore:

Why “taxes are going up in 2026” might not be a strong enough reason
What most people forget about state income taxes and relocation in retirement
The danger of converting at market highs
How medical expenses and charitable giving can make traditional IRAs more tax-efficient
When Roth conversions do make sense—like during market downturns or low-income years
Why a Roth might be smart for people with large estates or trusts
The importance of having cash on the side to pay the tax bill
You’ll walk away with a clearer understanding of how Roth conversions fit into the big picture of retirement and tax planning—and why Uncommon Cents Investing takes an individualized, reason-first approach for every client.

🧠 Notable Quotes
“We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley
“If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley
“Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne

]]> If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.

John and Carson explore:

Why “taxes are going up in 2026” might not be a strong enough reason
What most people forget about state income taxes and relocation in retirement
The danger of converting at market highs
How medical expenses and charitable giving can make traditional IRAs more tax-efficient
When Roth conversions do make sense—like during market downturns or low-income years
Why a Roth might be smart for people with large estates or trusts
The importance of having cash on the side to pay the tax bill
You’ll walk away with a clearer understanding of how Roth conversions fit into the big picture of retirement and tax planning—and why Uncommon Cents Investing takes an individualized, reason-first approach for every client.

🧠 Notable Quotes
“We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley
“If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley
“Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne

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