web02.fireside.fm Wed, 29 Apr 2026 20:13:11 -0500 Fireside (https://fireside.fm) More for Your Money - Episodes Tagged with “Roth Ira Conversions” https://moreforyourmoney.fireside.fm/tags/roth%20ira%20conversions 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 49: Roth IRA Conversions: The Wisconsin Tax Law That Changes Everything - 11/29/2025 https://moreforyourmoney.fireside.fm/49 23a92d7a-63f1-42c9-ac9c-8ff96d42dabf Sat, 29 Nov 2025 14:00:00 -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 John Berkley discusses a strong market week before focusing on the major complexity added by a new Wisconsin state tax law. The law exempts up to $24,000 in retirement distributions per person (age 67 or older) from state tax. This significantly alters the decision to convert to a Roth IRA, as paying conversion taxes now means forfeiting the future state tax exemption on distributions. The discussion also covered year-end tax loss selling and complex estate planning issues, highlighting how the growing intricacy of tax and investment laws necessitates the help of a financial advisor. Roth IRA conversion, Wisconsin tax law, state tax exemption, retirement distributions, age 67, $24,000 exclusion, tax planning, financial advisor, Uncommon Sense Investing, 401k contribution, pre-tax vs Roth, tax loss selling, capital gains, Schedule D, estate planning, stepped-up basis, gifting assets, beneficiaries, market review, S&P 500, NASDAQ, Russell 2000, 10-year bond, required minimum distributions, RMDs, continuity of income John Berkley discusses a strong market week before focusing on the major complexity added by a new Wisconsin state tax law. The law exempts up to $24,000 in retirement distributions per person (age 67 or older) from state tax. This significantly alters the decision to convert to a Roth IRA, as paying conversion taxes now means forfeiting the future state tax exemption on distributions. The discussion also covered year-end tax loss selling and complex estate planning issues, highlighting how the growing intricacy of tax and investment laws necessitates the help of a financial advisor.

]]> John Berkley discusses a strong market week before focusing on the major complexity added by a new Wisconsin state tax law. The law exempts up to $24,000 in retirement distributions per person (age 67 or older) from state tax. This significantly alters the decision to convert to a Roth IRA, as paying conversion taxes now means forfeiting the future state tax exemption on distributions. The discussion also covered year-end tax loss selling and complex estate planning issues, highlighting how the growing intricacy of tax and investment laws necessitates the help of a financial advisor.

]]> Episode 42: Market Selloff, Decoding the OBB, and Navigating New Tax Limits (SALT, Deductions, and Estate Taxes) - 10/11/2025 https://moreforyourmoney.fireside.fm/42 53133749-4190-4c60-aa0f-7579f51d1c72 Sat, 11 Oct 2025 13:00:00 -0400 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 John Berkley analyzes the sharp market selloff, largely triggered by tariff threats between the U.S. and China. The discussion moves to decoding the "One Big Beautiful Bill" (OBB). John explores crucial tax changes for investors, including the temporary increase in the SALT (State and Local Tax) limit up to $40,000, which enables the "leapfrog" itemizing strategy. Plus, understand new above-the-line deductions and the latest phase-outs that primarily benefit lower and middle-income earners. We also clarify the increased estate tax exclusion limits for 2025. market selloff, stock market correction, S&P 500, Russell 2000, China tariffs, trade war, 10-year bond yield, One Big Beautiful Bill, OBB, 2025 tax changes, tax law modifications, Tax Cuts and Jobs Act, TCJA sunset, SALT limit increase, State and Local Tax deduction, $40,000 SALT limit, itemizing taxes, standard deduction, leapfrog strategy, tax planning, above-the-line deductions, senior deduction, qualified tip deduction, overtime pay deduction, auto loan interest deduction, charitable contributions non-itemizers, tax phase outs, lower income tax benefits, middle income tax benefits, 401k limits 2025, 401k catch-up provision, Roth 401k, Roth IRA conversions, estate tax exclusion, lifetime gift exclusion, annual gift tax, gift tax Form 709, estate tax Form 706, Trump account for young children, tax simplification, flat tax debate, economic analysis, financial strategy, investment advisor John Berkley analyzes the sharp market selloff, largely triggered by tariff threats between the U.S. and China. The discussion moves to decoding the "One Big Beautiful Bill" (OBB). John explores crucial tax changes for investors, including the temporary increase in the SALT (State and Local Tax) limit up to $40,000, which enables the "leapfrog" itemizing strategy. Plus, understand new above-the-line deductions and the latest phase-outs that primarily benefit lower and middle-income earners. We also clarify the increased estate tax exclusion limits for 2025.

]]> John Berkley analyzes the sharp market selloff, largely triggered by tariff threats between the U.S. and China. The discussion moves to decoding the "One Big Beautiful Bill" (OBB). John explores crucial tax changes for investors, including the temporary increase in the SALT (State and Local Tax) limit up to $40,000, which enables the "leapfrog" itemizing strategy. Plus, understand new above-the-line deductions and the latest phase-outs that primarily benefit lower and middle-income earners. We also clarify the increased estate tax exclusion limits for 2025.

]]> Episode 40: Local Service and Financial Freedom: The Case for Hiring a Financial Professional - 09/27/2025 https://moreforyourmoney.fireside.fm/40 79e865ee-0996-4084-8063-e15793dfb76a Sat, 27 Sep 2025 13:30:00 -0400 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 This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices. Special Guest: Krista Berkley. local financial advisor, financial planning, investment advice, return on advice, value stocks vs growth stocks, market report, S&P 500, inflation risk, interest rates, Roth conversions strategy, tax buckets management, asset allocation, estate planning, beneficiaries, debt versus wealth accumulation, social security benefits, pension options, second opinion financial advice, risk management, investment confidence, financial mentorship, managed accounts, personalized finance This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices.

Special Guest: Krista Berkley.

]]> This episode of More for Your Money features host John Berkley and Krista Berkley. The discussion centers on the benefits of hiring a financial professional, focusing on the argument that good local service and expertise should pay for themselves. The hosts examine market activity, including the JDB indicator, and delve into detailed, subjective topics like Roth conversions and the debate over debt versus wealth accumulation. The conversation highlights the dynamic exchange between the two, noting that financial advice is highly personalized. They emphasize the need for knowledge, balance, and making good financial choices.

Special Guest: Krista Berkley.

]]> Episode 38: Uncommon Cents: Wisdom on Decisions, Risk, and Retirement Strategies - 09/13/2025 https://moreforyourmoney.fireside.fm/38 78578cf2-95b9-407d-8d0e-a5e7fa70d048 Sat, 13 Sep 2025 15:00:00 -0400 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, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others' experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one's work. Listeners are encouraged to review their financial plans and utilize the firm's website resources. financial advisor, investment advisory services, S&P 500, NASDAQ, Federal Reserve, interest rates, market trends, growth stocks, value stocks, expensive market, 401k, Rule of 55, early withdrawals, Roth IRA conversions, IRA, 72T, retirement planning, decision-making, risk, consequences, financial literacy, trusted contact, financial scams, beneficiaries, money management, client relationships, market updates, philosophical quotes, Charlie Munger, Warren Buffett, Socrates, Albert Einstein, retirement transition, spending habits, saving money, passion for work In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others' experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one's work. Listeners are encouraged to review their financial plans and utilize the firm's website resources.

]]> In this episode, John Berkley and Sheena Hanson discuss current market trends, noting an expensive market driven by growth stocks. They cover crucial financial topics like the Rule of 55 for early 401k withdrawals and the importance of trusted contacts for clients. John shares his personal philosophical quotes on decision-making, risk, and consequences, emphasizing learning from others' experiences. The episode also explores the emotional and practical aspects of retirement transition, spending habits, and the passion for one's work. Listeners are encouraged to review their financial plans and utilize the firm's website resources.

]]> Episode 37: Beyond Predictions: Uncommon Cents Investing on Market Trends, Risk, and Unique Strategies - 09/06/2025 https://moreforyourmoney.fireside.fm/37 36a9f96a-dae4-4f8a-bdc7-6071d55b8f6a Sat, 06 Sep 2025 14:00:00 -0400 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 More for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence. individual common stocks, fee-based advisory, expense ratio, Roth IRA conversions, retirement planning, fiduciary, value investing, growth stocks, market forecasting, margin investing, tax control, wealth accumulation, investment strategy, Registered Investment Advisor (RIA), financial advisor, long-term investing, risk discussion, non-retirement accounts, in-house research, client relationships, market trends, economic slowing, interest rates, Paul Harvey, Jesse Livermore, Edwin Leferv, Reminiscences of a Stock Operator, Dr. Mark Mobius, Billy Graham, financial independence More for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence.

]]> More for Your Money is a weekly podcast from Uncommon Cents Investing, hosted by John Berkley. Each episode offers clear, practical advice on investing, retirement planning, and smart money decisions to help you build financial confidence.

]]> Episode 6: Tariffs, Gold, and the Debt: What History Might Teach Us About the Road Ahead - 2/1/25 https://moreforyourmoney.fireside.fm/6 bff63578-3447-4654-af81-ae56c0d031ae Sat, 01 Feb 2025 16:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing In this week’s episode of More for Your Money, John Berkley is joined by the Uncommon Cents Investing committee—Greg, Todd, and Carson—for a wide-ranging, fast-paced discussion on market trends, inflation, gold, government debt, and the evolving role of tariffs in economic strategy. Drawing on insights from respected economist Lacy Hunt, the team explores whether deflation might be the next curveball for investors and how today’s policies echo some surprising historical parallels—like the Reagan era’s early pain and long-term gain. Along the way, they unpack the gold market, discuss the hidden cost of inflation on the middle class, and debate whether tariffs can be both a financial and geopolitical tool. If you’re looking to connect the dots between interest rates, debt, inflation, and long-term investing, this one’s for you. 52:54 no On this episode of More for Your Money, it’s an “all-hands-on-deck” discussion as the Uncommon Cents Investing committee joins John in the studio to explore what’s really going on beneath the surface of the markets. They cover: Why the Dow is leading the indexes year-to-date—and what that might mean The resurgence of gold: short-term hype or long-term trend? Inflation, money supply, and how we measure economic reality (spoiler: Todd calls it the "CP-lie") How government debt and interest costs are shaping future tax policy Tariffs: the classical view vs. the modern playbook What economist Lacy Hunt sees coming—and why deflation might be next The conversation balances economic theory with plainspoken examples, including a memorable story from John’s early investing days and a look at the real-world consequences of inflation on future generations. Whether you’re a seasoned investor or just curious about what’s driving the markets, this episode invites you to think critically about where we’ve been—and where we might be going. Special Guests: Greg Snyder and Todd Berkley. stock market, gold prices, tariffs, inflation, deflation, national debt, government spending, long-term investing, economic history, interest rates, value vs growth, Lacy Hunt, Reaganomics, market cycles, Roth IRA conversions, economic theory, personal finance, bond market, uncommon cents investing, Janesville WI On this episode of More for Your Money, it’s an “all-hands-on-deck” discussion as the Uncommon Cents Investing committee joins John in the studio to explore what’s really going on beneath the surface of the markets.

They cover:

Why the Dow is leading the indexes year-to-date—and what that might mean
The resurgence of gold: short-term hype or long-term trend?
Inflation, money supply, and how we measure economic reality (spoiler: Todd calls it the "CP-lie")
How government debt and interest costs are shaping future tax policy
Tariffs: the classical view vs. the modern playbook
What economist Lacy Hunt sees coming—and why deflation might be next
The conversation balances economic theory with plainspoken examples, including a memorable story from John’s early investing days and a look at the real-world consequences of inflation on future generations.

Whether you’re a seasoned investor or just curious about what’s driving the markets, this episode invites you to think critically about where we’ve been—and where we might be going.

Special Guests: Greg Snyder and Todd Berkley.

]]> On this episode of More for Your Money, it’s an “all-hands-on-deck” discussion as the Uncommon Cents Investing committee joins John in the studio to explore what’s really going on beneath the surface of the markets.

They cover:

Why the Dow is leading the indexes year-to-date—and what that might mean
The resurgence of gold: short-term hype or long-term trend?
Inflation, money supply, and how we measure economic reality (spoiler: Todd calls it the "CP-lie")
How government debt and interest costs are shaping future tax policy
Tariffs: the classical view vs. the modern playbook
What economist Lacy Hunt sees coming—and why deflation might be next
The conversation balances economic theory with plainspoken examples, including a memorable story from John’s early investing days and a look at the real-world consequences of inflation on future generations.

Whether you’re a seasoned investor or just curious about what’s driving the markets, this episode invites you to think critically about where we’ve been—and where we might be going.

Special Guests: Greg Snyder and Todd Berkley.

]]>