Money Guide With Mary Sterk

The SECURE Act 2.0 will affect most people at some point in their life. In this episode of "Money Guide with Mary Sterk," Mary explains the new law with some preliminary information to help you understand what you need to know at this time. Topics include: ROTH IRA Required Minimum Distribution Retirement Beneficiaries Taxes IRS Tax Penalty 401(k) Catch-up Contributions Rollover 529 Tax-Free Benefits Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

As the end of the year approaches, you may want to take stock to see if there are any strategic tax strategies you need to implement by year's end. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share insights about smart year-end tax planning that you may want to look into - before it's too late! Topics include: Long-Term After-Tax Returns Tax Code Non-Qualified Investment Portfolio Retirement Tax Loss Harvesting Offsetting Losses Short-Term Gains and Losses Long-Term Gains and Losses Mutual Funds ETFs Wash Sale Rule Gifting Tax Bracket Bracket Bumping ROTH IRA Conversions Pre-Payment of Business Expenses Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

You still have time to capture some timely end-of-the-year tax deductions. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share some wisdom surrounding end-of-year tax strategy. Topics include: Standard Deduction Tax Bracket Health Insurance Affordable Care Act Mortgage Interest Donor-Advised Fund Tax Loss Harvesting Tax Analysis Medical Receipts Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

When your company closes its doors, it can be quite traumatic for everyone. In this episode of "Money Guide with Mary Sterk," Mary shares the top 5 must-know tips if you are the one locked out in the cold! Topics include: Income Gap Analysis Cashflow Non-Qualified Monies ROTH IRA Insurance COBRA Taxes Retirement Plan Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

You may be scared to retire during a recession – but it IS possible. If you make the decision to retire, go into it with eyes wide open. In this episode of "Money Guide with Mary Sterk," Mary gives seven tips to consider to retire when you want, at the lifestyle you want, so that you can enjoy the life you want. Topics include: Financial Projections Retirement Accounts Investment Accounts Health Insurance Medicare Social Security Economic Uncertainty Political Concerns Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

All too often, holiday stress tends to dominate our holiday experience. Without a doubt, this time of year challenges us with unique expenses. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share time-tested strategies to reduce your financial stress and enjoy your holidays more! Topics include: Spending Goals Spending Cap Budget Sales Social Fund Credit Cards Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

While holidays bring cheer, they also challenge us with a unique layer of financial stress. In this episode of "Money Guide with Mary Sterk," Mary shares time-tested strategies to reduce your financial stress and enjoy your holidays more! Topics include: Credit Score Credit Cards Budget Online Shopping Impulse Buying Time Management Experiential Gifts Homemade Gifts Decorating Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

There's still time to capture some tax deductions this year. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share some tips and strategies surrounding end-of-year tax planning. Topics include: Post-Tax Funnel Pre-Tax Funnel Preferential Tax Treatment Brokerage Account Direct Mutual Fund Account Capital Gains Tax Tax-Sensitive Asset Allocation ROTH Conversion IRA Itemizing Standard Deduction Charitable Contributions Donor-Advised Funds Catch-Up Contribution 401(k) Gifts State Tax Deductions 529 Plan Beneficiaries Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

At the end of the day, it's not how much you earn, it's how much you KEEP of what you earned. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey share ways to keep more with a concept called tax-sensitive allocation. Topics include: Tax-Efficient Funnels Pre-Tax Post-Tax Tax-Advantage IRA Pension 401(k) Bank Accounts Brokerage Accounts Real Estate Tax Brackets Retirement Capital Gains Gains Rate Qualified Dividend Income Stretch IRA Municipal Bonds Mutual Funds Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Many of our clients give to charitable organizations - both for personal satisfaction and for the tax deductions. In this episode of "Money Guide with Mary Sterk", Mary shares ways to create positive impact on the world and on your tax return with your giving. Topics include: Standard Deduction 501(c)(3) Gift-stacking Philanthrophy Itemization Donor Advised Fund Estate Planning Will Beneficiary Giving Strategy If one of the things on your bucket list to do before the end of the year is to get a giving strategy in place and see how that might impact your taxes, give one of our advisors a call! www.sterkfinancialservices.com/p/contact Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Losing a spouse is a heartbreaking time, but did you know it also comes with significant financial changes that are often unexpected? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Julie Chadwick share what to expect financially when your spouse passes away. Topics include: Life Insurance Estate Documents Will Social Security Bank Statements Investment Statements Deeds Car Title Marriage Certificate Death Certificate Taxes Beneficiaries Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Planning for retirement has a lot of moving parts. Many people wonder if they have thought of the potential pitfalls that can derail a retirement. In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Advisor Kelsey Bankey discuss four retirement expenses that might catch you by surprise. Listen in to learn how to safeguard against issues that you might not have ever thought of! Topics include: Medical Co-Pays Medicare Home Healthcare Assisted Living Financially Supporting Grandchildren Inflation Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

How do the wealthy invest during market downturns? They know there can be wonderful opportunities if you have the right frame of mind, the right information and the right emotional capability to take advantage of them. In this episode of “Money Guide with Mary Sterk,” Mary shares tips for strategic investing during a recession. Topics include: Supply & Demand Inflation Dollar Cost Averaging Cash on the Sidelines Non-Qualified Accounts Employer Retirement Plans Capital Gains & Losses Short Term Gains Long Term Gains Wash Sale Rule ROTH IRA Conversion Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Recession talk is on everybody’s mind. When people get emotional and nervous about investing, they start to make mistakes. In this episode of “Money Guide with Mary Sterk,” Mary shares tips to help you understand recessions, and strategic ideas to help you navigate your investments during a recession. Topics include: Risk-Aligned Investing Flexible Selling Pattern Flexible Spending Diversification Asset Allocation Real Estate Riding the Market Buy Low / Sell High Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Have a $500K+ portfolio? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Advisor Kelsey Bankey share some Must-Know Tips that you won't want to miss! Topics include: Qualified & Non-qualified Money Capital Gain X-Ray Report Liquidity Social Security Sequence of Returns Risk Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Once the big 5-0 has rolled around, investing can take on a whole new perspective. So what should you be doing when investing in your 50s? In this episode of "Money Guide with Mary Sterk," Mary shares practical tips and actionable strategies to maximize your investment planning in your 50s. Topics include: Empty Nest Aging Parents Mortgage 401(k) ROTH IRA Diversification Asset Classes Life Insurance Net Performance after Expenses Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Some people retire together, and some stagger their dates. Is there a best way? In this episode of "Money Guide with Mary Sterk," Mary & Sterk Financial Planner Julie Chadwick explore the pros and cons of separate retirement dates. Topics include: Income Gap Expenses Budget Cash Flow Social Security Health Insurance Part-Time Work ROTH IRA Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

So you want to retire rich? If so, listen in to this episode of "Money Guide with Mary Sterk" as Mary shares financial tips from some of the world's wealthiest women. Topics include: J.K. Rowling Naomi Judd Heidi Klum Georgina Hancock Rinehart Abigail Johnson Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Retirement right around the corner? In this episode of "Money Guide with Mary Sterk," Mary shares seven key strategies that you should put into action during the decade before you retire: 1. Save as much as possible 2. Pay down debt 3. Set up a bucket plan 4. Get your estate docs in order 5. Pick a time to start your social security 6. Learn about your retirement health care options 7. Develop a relationship with a trusted financial planner who is a fiduciary Topics include: Pension Investments Living Will Power of Attorney Medicare Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: podcasts.apple.com/us/podcast/mone…rk/id1126426770 Schedule an appointment with one of our advisors today! www.sterkfinancialservices.com/p/contact

Got a pension that is offering you a lump sum buyout option? Comparing the choices can be confusing. In this episode of "Money Guide with Mary Sterk," Mary and Sterk Financial Advisor Kelsey Bankey share top tips to help you understand the best choice for you when offered a pension lump sum option. Topics include: Defined Benefits Frozen Benefits Annuity Options Single Life Annuity Joint & Survivor Annuity Pension Maximization Subscribe to the “Money Guide with Mary Sterk” podcast on apple podcasts: https://podcasts.apple.com/us/podcast/money-guide-with-mary-sterk/id1126426770 Schedule an appointment with one of our advisors today! https://www.sterkfinancialservices.com/p/contact