web02.fireside.fm Wed, 06 May 2026 08:55:13 -0500 Fireside (https://fireside.fm) More for Your Money - Episodes Tagged with “Roth Ira” https://moreforyourmoney.fireside.fm/tags/roth%20ira Sat, 06 Dec 2025 10:00:00 -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 50: Fee vs. Commission: Finding the Right Financial Advisor and Understanding Your Costs - 12/06/2025 https://moreforyourmoney.fireside.fm/50 4aee866a-56f7-4837-b9e9-a1baf0d454ca Sat, 06 Dec 2025 10:00:00 -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 <p>John Berkley and Krista Berkley clarify the critical differences between fee-based and commission-based advisory models. The discussion emphasizes that understanding how your advisor is compensated and the underlying investment expenses is crucial, as the best platform—whether buy-and-hold commission or ongoing fee management—depends entirely on the client's needs and investment goals. Special Guest: Krista Berkley.</p> Financial advisor compensation, fee-based advising, commission-based products, sales charge, upfront sales charge, annual management fees, ongoing fees, investment expense ratios, comparing advisor costs, old school investing, mutual funds, individual stocks, buy-and-hold approach, investment transparency, long-term investing, wealth accumulation, choosing a financial advisor, Registered Investment Advisor (RIA), 401k rollover, Roth IRA. John Berkley and Krista Berkley clarify the critical differences between fee-based and commission-based advisory models. The discussion emphasizes that understanding how your advisor is compensated and the underlying investment expenses is crucial, as the best platform—whether buy-and-hold commission or ongoing fee management—depends entirely on the client's needs and investment goals.

Special Guest: Krista Berkley.

]]> John Berkley and Krista Berkley clarify the critical differences between fee-based and commission-based advisory models. The discussion emphasizes that understanding how your advisor is compensated and the underlying investment expenses is crucial, as the best platform—whether buy-and-hold commission or ongoing fee management—depends entirely on the client's needs and investment goals.

Special Guest: Krista Berkley.

]]> Episode 44: Market Updates, Inflation, and Money Questions with John Berkley - 10/25/2025 https://moreforyourmoney.fireside.fm/44 5738e33f-ca4c-440a-b4c0-bf4887f80195 Sat, 25 Oct 2025 11:00:00 -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 <p>Review the strong three-year bull market run, with the S&amp;P 500 up 16.6% total return year-to-date. This episode discusses 3% annualized inflation and the strategy of tweaking portfolios toward resource stocks. Key topics include utilizing Roth IRA CDs for tax efficiency, understanding the Net Unrealized Appreciation (NUA) tax rule for highly appreciated 401k stock, and proper tax placement of bonds and Treasuries. We also define money market funds. </p> investing, financial planning, money questions, stock market, bull market, S&P 500, Dow, NASDAQ, Russell 2000, total return, 3% annualized inflation, CPI, consumer price index, structural inflation, Federal Reserve goal, resource stocks, gold mining stocks, timberland, retirement, Social Security, age 62, age 70, 401k, Roth IRA, laddered CDs, individual Treasuries, high yield bonds, safe bonds, closed end fund, bond portfolio, tax location, capital gains tax, ordinary income tax, Net Unrealized Appreciation, NUA, highly appreciated company stock, 401k distribution, money market, liquid cash, value investing, concentration risk Review the strong three-year bull market run, with the S&P 500 up 16.6% total return year-to-date. This episode discusses 3% annualized inflation and the strategy of tweaking portfolios toward resource stocks. Key topics include utilizing Roth IRA CDs for tax efficiency, understanding the Net Unrealized Appreciation (NUA) tax rule for highly appreciated 401k stock, and proper tax placement of bonds and Treasuries. We also define money market funds.

]]> Review the strong three-year bull market run, with the S&P 500 up 16.6% total return year-to-date. This episode discusses 3% annualized inflation and the strategy of tweaking portfolios toward resource stocks. Key topics include utilizing Roth IRA CDs for tax efficiency, understanding the Net Unrealized Appreciation (NUA) tax rule for highly appreciated 401k stock, and proper tax placement of bonds and Treasuries. We also define money market funds.

]]> Episode 33: The Future of Investing: AI, Productivity Gains, and Portfolio Bonds - 08/09/2025 https://moreforyourmoney.fireside.fm/33 5f1d26a3-78e8-4d57-ae83-501e7645fd2d Sat, 09 Aug 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 <p>Join John Berkley and Sheena Hanson where they discuss Artificial Intelligence (AI) and its influence on market valuations, noting its potential for "enormous productivity gains". Sheena shares practical examples of using AI daily as a "thinking partner" for tasks like packing lists and compliance logs.<br> The episode also delves into bonds, describing them as a "very, very misunderstood" asset class. They clarify bonds as a lending asset, explaining their historical underperformance due to inflation and their integral role in portfolios for income and stability, while detailing their varying risks and tax implications. </p> Artificial Intelligence, AI productivity gains, market valuations, bonds, fixed income investing, portfolio management, inflation, interest rates, US Treasuries, high-yield bonds, junk bonds, IRA tax efficiency, retirement accounts, household account management, investment strategy, financial planning, stock market update, S&P 500, NASDAQ, price-earnings multiple, wealth management, risk tolerance, asset allocation, compliance, note-taking AI Join John Berkley and Sheena Hanson where they discuss Artificial Intelligence (AI) and its influence on market valuations, noting its potential for "enormous productivity gains". Sheena shares practical examples of using AI daily as a "thinking partner" for tasks like packing lists and compliance logs.
The episode also delves into bonds, describing them as a "very, very misunderstood" asset class. They clarify bonds as a lending asset, explaining their historical underperformance due to inflation and their integral role in portfolios for income and stability, while detailing their varying risks and tax implications.

]]> Join John Berkley and Sheena Hanson where they discuss Artificial Intelligence (AI) and its influence on market valuations, noting its potential for "enormous productivity gains". Sheena shares practical examples of using AI daily as a "thinking partner" for tasks like packing lists and compliance logs.
The episode also delves into bonds, describing them as a "very, very misunderstood" asset class. They clarify bonds as a lending asset, explaining their historical underperformance due to inflation and their integral role in portfolios for income and stability, while detailing their varying risks and tax implications.

]]> Episode 32: A Fireside Chat on Life, Work, and Investing for the Next Generation - 08/02/2025 https://moreforyourmoney.fireside.fm/32 04c5b2a7-046f-4d2a-9b10-e3652ad2539d Sat, 02 Aug 2025 09:00:00 -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 <p>This "More for Your Money" episode features a "fireside chat" with John Berkley, designed to equip the next generation. John delves into crucial advice on finding work that "trips your trigger", living within your means, and leveraging the power of early investing through vehicles like 401ks and Roth IRAs. The discussion also emphasizes learning from mentors and becoming aware of potential economic and geopolitical challenges that could impact future opportunities for wealth accumulation. </p> Life advice, career guidance, personal finance, investing for the next generation, 401k, Roth IRA, early investing, living within means, loving your work, "trips your trigger", mentorship, economic outlook, free market system, socialism, geopolitical risks, wealth accumulation, Rich Dad Poor Dad, Psychology of Money, avoiding debt, financial planning. This "More for Your Money" episode features a "fireside chat" with John Berkley, designed to equip the next generation. John delves into crucial advice on finding work that "trips your trigger", living within your means, and leveraging the power of early investing through vehicles like 401ks and Roth IRAs. The discussion also emphasizes learning from mentors and becoming aware of potential economic and geopolitical challenges that could impact future opportunities for wealth accumulation.

]]> This "More for Your Money" episode features a "fireside chat" with John Berkley, designed to equip the next generation. John delves into crucial advice on finding work that "trips your trigger", living within your means, and leveraging the power of early investing through vehicles like 401ks and Roth IRAs. The discussion also emphasizes learning from mentors and becoming aware of potential economic and geopolitical challenges that could impact future opportunities for wealth accumulation.

]]> Episode 29: Generational Insights and Practical Financial Wisdom - 07/12/2025 https://moreforyourmoney.fireside.fm/29 80d82e7d-3eab-4d9a-9316-37179de4aeab Sat, 12 Jul 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 <p>This episode of "More for Your Money" features John Berkley and Krista Berkley, who share generational insights and practical financial wisdom. They discuss market trends, the impact of their previous show on global poverty, and their passion for educating young people on financial fundamentals like compounding capital and avoiding debt. The hosts also explain their unique family business model and address listener questions on rebalancing appreciated assets, mortgage payoff strategies vs. investing, and the risks of Bitcoin, emphasizing diversification. Special Guest: Krista Berkley.</p> Financial wisdom, generational insights, investment strategies, market trends, financial education, young investors, compounding capital, debt avoidance, family business model, rebalancing appreciated assets, mortgage payoff strategies, investing vs. debt, Bitcoin risks, portfolio diversification, Roth IRA, 401k, financial advisor, investment advisory services, tax implications, capital gains, risk tolerance, wealth management, financial planning This episode of "More for Your Money" features John Berkley and Krista Berkley, who share generational insights and practical financial wisdom. They discuss market trends, the impact of their previous show on global poverty, and their passion for educating young people on financial fundamentals like compounding capital and avoiding debt. The hosts also explain their unique family business model and address listener questions on rebalancing appreciated assets, mortgage payoff strategies vs. investing, and the risks of Bitcoin, emphasizing diversification.

Special Guest: Krista Berkley.

]]> This episode of "More for Your Money" features John Berkley and Krista Berkley, who share generational insights and practical financial wisdom. They discuss market trends, the impact of their previous show on global poverty, and their passion for educating young people on financial fundamentals like compounding capital and avoiding debt. The hosts also explain their unique family business model and address listener questions on rebalancing appreciated assets, mortgage payoff strategies vs. investing, and the risks of Bitcoin, emphasizing diversification.

Special Guest: Krista Berkley.

]]> Episode 27: Navigating Market Records, Understanding Price vs. Value, and Fred Smith's Economic Insights - 06/28/2025 https://moreforyourmoney.fireside.fm/27 c59b3ce6-5e23-4afd-9ce2-dd40f103b9e2 Sat, 28 Jun 2025 10:00:00 -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 <p>This episode recaps current market records across major indexes like the Dow and S&amp;P, highlighting recent surges and new highs. John and Sheena delve into the "perplexing" challenge of determining price versus value in investing, examining historical price-to-earnings multiples. Plus, gain insights from FedEx founder Fred Smith's economic views on free enterprise versus government control and the impact of transfer payments. </p> Investing, market records, Dow, S&P, NASDAQ, Russell 2000, price vs. value, price-to-earnings multiple, P/E ratio, Fred Smith, FedEx, economic systems, free enterprise, government control, government transfer payments, market trends, market volatility, investment strategy, risk management, long-term investment, short-term investment, Roth IRA, 529 accounts, UTMA account, tariffs, inflation, deficits, Federal Reserve, liquidity, human nature in investing, bull market, bear market, financial advisor, money management This episode recaps current market records across major indexes like the Dow and S&P, highlighting recent surges and new highs. John and Sheena delve into the "perplexing" challenge of determining price versus value in investing, examining historical price-to-earnings multiples. Plus, gain insights from FedEx founder Fred Smith's economic views on free enterprise versus government control and the impact of transfer payments.

]]> This episode recaps current market records across major indexes like the Dow and S&P, highlighting recent surges and new highs. John and Sheena delve into the "perplexing" challenge of determining price versus value in investing, examining historical price-to-earnings multiples. Plus, gain insights from FedEx founder Fred Smith's economic views on free enterprise versus government control and the impact of transfer payments.

]]> Episode 24: Graduation & Beyond: Developing Strong Financial Behaviors - 06/07/2025 https://moreforyourmoney.fireside.fm/24 8ca39fc8-cebc-4699-a097-18f223d2efda Sat, 07 Jun 2025 11:00:00 -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 <p>John Berkley and Krista Berkley discuss the next chapter after graduation. They share advice on developing strong financial behaviors, including setting goals, creating budgets, building emergency funds, and investing early. John also critically examines the true cost of education and the time value of money. Special Guest: Krista Berkley.</p> Financial advice for graduates, post-graduation finances, developing strong financial behaviors, setting financial goals, creating a budget, emergency fund, investing early, time value of money, true cost of education, student loans, credit card debt management, company match 401k, Roth IRA for young people, money management for young adults, financial independence after college, budgeting tips for recent grads, avoiding financial pitfalls, financial literacy for young people John Berkley and Krista Berkley discuss the next chapter after graduation. They share advice on developing strong financial behaviors, including setting goals, creating budgets, building emergency funds, and investing early. John also critically examines the true cost of education and the time value of money.

Special Guest: Krista Berkley.

]]> John Berkley and Krista Berkley discuss the next chapter after graduation. They share advice on developing strong financial behaviors, including setting goals, creating budgets, building emergency funds, and investing early. John also critically examines the true cost of education and the time value of money.

Special Guest: Krista Berkley.

]]> Episode 21: A Walk Down History - Taxes, Investments, and the Changing Landscape - 05/17/2025 https://moreforyourmoney.fireside.fm/21 3382c111-f31b-4e02-9ee3-b973f75c7471 Sat, 17 May 2025 11:00:00 -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 <p>John Berkley walks through history. Explore the evolution of federal taxation since 1913 and the growth of government spending. Discover how the investment landscape has transformed over time, discussing changes in investment opportunities and products like IRAs, 401ks, Roths, indexing, and the impact of regulations and industry practices. </p> Investing History, Tax History, Federal Taxation, Government Spending History, Investment Landscape, Investment Opportunities, Investment Products, IRA History, 401k History, Roth IRA, Indexing History, Index Funds, Financial Advisor, Investment Advice, Stock Market History, Deficit Spending, US National Debt, Sarbanes-Oxley, Investment Fees, Asset Charges John Berkley walks through history. Explore the evolution of federal taxation since 1913 and the growth of government spending. Discover how the investment landscape has transformed over time, discussing changes in investment opportunities and products like IRAs, 401ks, Roths, indexing, and the impact of regulations and industry practices.

]]> John Berkley walks through history. Explore the evolution of federal taxation since 1913 and the growth of government spending. Discover how the investment landscape has transformed over time, discussing changes in investment opportunities and products like IRAs, 401ks, Roths, indexing, and the impact of regulations and industry practices.

]]> Episode 12: Market Corrections, Risk, and Rethinking Retirement - 3/15/25 https://moreforyourmoney.fireside.fm/12 https://www.wclo.com/?post_type=episode&p=129056 Sat, 15 Mar 2025 10:00:00 -0400 Uncommon Cents Investing full Uncommon Cents Investing John Berkley was joined by Sheena Hanson for an insightful and down-to-earth discussion on what recent market movements mean for long-term investors, and why strategy and mindset are more important than ever. 52:54 no <p>John Berkley and Sheena Hanson dive into this week’s market correction and what it means for long-term investors. From defining a true correction versus a bear market to discussing why value stocks are outperforming growth, they break it all down in plain language. Sheena shares how tech tools help clients make smart Social Security decisions, and the team talks through broader questions about risk tolerance, retirement, and finding financial independence. Plus, a listener question sparks a timely discussion on Roth conversions in a down market.</p> <p>For more resources or to schedule an intro call, visit <a href="https://uncommoncentsinvesting.com" target="_blank" rel="nofollow noopener">uncommoncentsinvesting.com</a>.</p> <p>Disclosure: Uncommon Cents Investing is a registered investment advisor with the SEC. This content is for informational purposes only and should not be construed as personalized investment advice. For full disclosures, visit Uncommon Cents Investing’s ADV and Form CRS. </p> market correction, bear market, S&P 500, value stocks, growth stocks, long-term investing, financial strategy, Social Security planning, Roth conversion, IRA withdrawal, retirement planning, financial independence, FIRE movement, risk tolerance, behavioral finance, wealth accumulation, mentorship, financial advice, Uncommon Cents Investing, John Berkley, Sheena Hanson, Janesville Wisconsin John Berkley and Sheena Hanson dive into this week’s market correction and what it means for long-term investors. From defining a true correction versus a bear market to discussing why value stocks are outperforming growth, they break it all down in plain language. Sheena shares how tech tools help clients make smart Social Security decisions, and the team talks through broader questions about risk tolerance, retirement, and finding financial independence. Plus, a listener question sparks a timely discussion on Roth conversions in a down market.

For more resources or to schedule an intro call, visit uncommoncentsinvesting.com.

Disclosure: Uncommon Cents Investing is a registered investment advisor with the SEC. This content is for informational purposes only and should not be construed as personalized investment advice. For full disclosures, visit Uncommon Cents Investing’s ADV and Form CRS.

]]> John Berkley and Sheena Hanson dive into this week’s market correction and what it means for long-term investors. From defining a true correction versus a bear market to discussing why value stocks are outperforming growth, they break it all down in plain language. Sheena shares how tech tools help clients make smart Social Security decisions, and the team talks through broader questions about risk tolerance, retirement, and finding financial independence. Plus, a listener question sparks a timely discussion on Roth conversions in a down market.

For more resources or to schedule an intro call, visit uncommoncentsinvesting.com.

Disclosure: Uncommon Cents Investing is a registered investment advisor with the SEC. This content is for informational purposes only and should not be construed as personalized investment advice. For full disclosures, visit Uncommon Cents Investing’s ADV and Form CRS.

]]> Episode 8: Retirement Withdrawal Strategies - 2/15/25 https://moreforyourmoney.fireside.fm/8 https://www.wclo.com/?post_type=episode&p=127678 Sat, 15 Feb 2025 10:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing How do you turn your nest egg into a reliable paycheck in retirement? This week, John Berkley is joined by Sheena Hanson, CEO and CCO of Uncommon Cents Investing, for a deep dive into withdrawal strategies that help retirees make the most of their hard-earned savings. They explore the 4% rule, tax-smart distribution tactics, bucket strategies, and how to avoid common pitfalls like sequence of return risk. Whether you’re approaching retirement or already there, this episode will help you understand how to take money out without running out. 52:54 no <p>Retirement isn’t just about saving—it’s about creating a smart plan for how to use those savings. In this episode of More for Your Money, John Berkley and Sheena Hanson talk through the essential strategies for drawing down your investments in retirement. They cover the classic 4% rule (and its modern tweaks), bucket strategies, tax considerations, and how to manage volatility in early retirement.</p> <p>You’ll also hear how different types of accounts—like Roth IRAs, traditional IRAs, and taxable brokerage accounts—play a role in creating a tax-efficient, sustainable retirement income. Whether your goal is to leave a legacy or spend it all, Sheena and John explain how to match your plan with your priorities.</p> <p>From market timing and inflation to Medicare costs and behavioral habits, this conversation covers the moving parts that make retirement income planning both an art and a science. </p> retirement withdrawal strategies, 4% rule, income planning, sequence of return risk, bucket strategy, retirement income, Roth IRA, tax efficiency, retirement planning, market volatility, Uncommon Cents Investing, John Berkley, Sheena Hanson, portfolio strategy, value investing, Janesville Wisconsin, financial literacy, retirement goals, long-term investing, flexible planning Retirement isn’t just about saving—it’s about creating a smart plan for how to use those savings. In this episode of More for Your Money, John Berkley and Sheena Hanson talk through the essential strategies for drawing down your investments in retirement. They cover the classic 4% rule (and its modern tweaks), bucket strategies, tax considerations, and how to manage volatility in early retirement.

You’ll also hear how different types of accounts—like Roth IRAs, traditional IRAs, and taxable brokerage accounts—play a role in creating a tax-efficient, sustainable retirement income. Whether your goal is to leave a legacy or spend it all, Sheena and John explain how to match your plan with your priorities.

From market timing and inflation to Medicare costs and behavioral habits, this conversation covers the moving parts that make retirement income planning both an art and a science.

]]> Retirement isn’t just about saving—it’s about creating a smart plan for how to use those savings. In this episode of More for Your Money, John Berkley and Sheena Hanson talk through the essential strategies for drawing down your investments in retirement. They cover the classic 4% rule (and its modern tweaks), bucket strategies, tax considerations, and how to manage volatility in early retirement.

You’ll also hear how different types of accounts—like Roth IRAs, traditional IRAs, and taxable brokerage accounts—play a role in creating a tax-efficient, sustainable retirement income. Whether your goal is to leave a legacy or spend it all, Sheena and John explain how to match your plan with your priorities.

From market timing and inflation to Medicare costs and behavioral habits, this conversation covers the moving parts that make retirement income planning both an art and a science.

]]> 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 <p>If you’ve ever asked yourself, “Should I do a Roth IRA conversion?”—this episode is for you.</p> <p>John and Carson explore:</p> <p>Why “taxes are going up in 2026” might not be a strong enough reason<br> What most people forget about state income taxes and relocation in retirement<br> The danger of converting at market highs<br> How medical expenses and charitable giving can make traditional IRAs more tax-efficient<br> When Roth conversions do make sense—like during market downturns or low-income years<br> Why a Roth might be smart for people with large estates or trusts<br> The importance of having cash on the side to pay the tax bill<br> 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.</p> <p>🧠 Notable Quotes<br> “We’re not against Roth conversions. We just want to do them for the right reason.” – John Berkley<br> “If you have a tax problem, you probably have a good problem—it means you have money.” – John Berkley<br> “Almost nothing turns out as expected in investing. So making decisions based on certainty about the future? That’s risky.” – quoting Harry Browne </p> 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

]]> Episode 3: Tipping, Taxes & Timely Advice: 2025 Planning and Everyday Financial Wisdom - 1/11/25 https://moreforyourmoney.fireside.fm/3 3a8b623a-9a1c-46dc-a07c-5dfc7cdedc68 Sat, 11 Jan 2025 16:00:00 -0500 Uncommon Cents Investing full Uncommon Cents Investing John Berkley returns to the More for Your Money studio this week with a full house—welcoming co-host Carson back from a short sick break, and special guest Sheena Hanson (his daughter and Principal at Uncommon Cents Investing). The trio covers everything from market updates and tipping trends to detailed 2025 tax planning changes. John revisits his now-famous "15 Financial Life Lessons" list, Sheena gives insight into how Uncommon Cents conducts thoughtful, personal annual reviews with clients, and the team walks through the latest tax brackets, deduction limits, and planning considerations for the year ahead. John, Sheena, and Carson break down 2025 tax updates, reflect on life and financial lessons, and explain why trust and communication matter when working with a financial advis 52:54 no <p>In this episode of More for Your Money, John is joined by Sheena Hanson and Carson in the studio to kick off the new year with timely insights and a little family fun. They review the latest tax planning changes for 2025, from IRA contributions and capital gains rules to required minimum distributions and estate tax thresholds. Sheena explains how Uncommon Cents handles annual reviews and why financial communication doesn’t have to be complicated.</p> <p>Plus, John revisits his 15 financial life lessons—covering everything from saving early to mastering your emotions—and Sheena weighs in on why opinions can have value (despite what Plato might say).</p> <p>Whether you're sorting out your taxes or just want smart, down-to-earth financial conversation, this episode brings clarity and a little humor along the way. </p> 2025 tax updates, capital gains taxes, RMD rules, Roth IRA phase-out, retirement account strategies, investment accounts for kids, simple IRA vs 401(k), financial literacy, trusted financial advice, annual account reviews, saving for retirement, financial independence, money management tips, value investing, Wisconsin financial advisor In this episode of More for Your Money, John is joined by Sheena Hanson and Carson in the studio to kick off the new year with timely insights and a little family fun. They review the latest tax planning changes for 2025, from IRA contributions and capital gains rules to required minimum distributions and estate tax thresholds. Sheena explains how Uncommon Cents handles annual reviews and why financial communication doesn’t have to be complicated.

Plus, John revisits his 15 financial life lessons—covering everything from saving early to mastering your emotions—and Sheena weighs in on why opinions can have value (despite what Plato might say).

Whether you're sorting out your taxes or just want smart, down-to-earth financial conversation, this episode brings clarity and a little humor along the way.

]]> In this episode of More for Your Money, John is joined by Sheena Hanson and Carson in the studio to kick off the new year with timely insights and a little family fun. They review the latest tax planning changes for 2025, from IRA contributions and capital gains rules to required minimum distributions and estate tax thresholds. Sheena explains how Uncommon Cents handles annual reviews and why financial communication doesn’t have to be complicated.

Plus, John revisits his 15 financial life lessons—covering everything from saving early to mastering your emotions—and Sheena weighs in on why opinions can have value (despite what Plato might say).

Whether you're sorting out your taxes or just want smart, down-to-earth financial conversation, this episode brings clarity and a little humor along the way.

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