It's All Money

Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73 Your RMD isn't just a withdrawal — it's the IRS setting off a chain reaction that can spike your Medicare premiums, tax your Social Security, and wipe out the charitable giving move you didn't even know you had. In the latest episode of It's All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir walk through: • The four traps hiding inside that required distribution. • Why the window to get ahead of them closes before you turn 73. • The three moves you can take as a retiree to optimize or adjust to these conditions. If you'd rather protect your heirs or portfolio than just write the check, check out this episode. Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis Sources: RMD Basics / Age 73 Rules https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs https://www.schwab.com/learn/story/rmd-reference-guide https://www.fidelity.com/retirement/required-minimum-distributions IRMAA / Medicare Premium Surcharges https://www.medicareresources.org/medicare-eligibility-and-enrollment/what-is-the-income-related-monthly-adjusted-amount-irmaa/ https://incomelaboratory.com/irmaa-brackets-2026-guide/ https://www.instead.com/resources/blog/rmds-impact-on-tax-brackets-and-medicare-premiums https://www.schwab.com/learn/story/how-higher-income-can-affect-medicare-premiums Social Security Taxation Thresholds https://www.troweprice.com/en/us/insights/the-impact-of-social-security-benefits-on-your-taxes https://www.greenbushfinancial.com/all-blogs/social-security-tax-strategy https://www.congress.gov/crs_external_products/R/HTML/R48613.html https://www.schwab.com/learn/story/before-and-after-managing-social-security-taxes Qualified Charitable Distributions (QCDs) https://www.schwab.com/learn/story/reducing-rmds-with-qcds https://www.fidelity.com/retirement-ira/required-minimum-distributions-qcds https://www.fidelitycharitable.org/guidance/philanthropy/qualified-charitable-distribution.html https://www.congress.gov/crs-product/IF11377 Inherited IRA / Heir Protection (SECURE Act 10-Year Rule) https://investor.vanguard.com/investor-resources-education/retirement/rmd-rules-for-inherited-iras https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary https://www.schwab.com/ira/inherited-and-custodial-ira/inherited-ira-withdrawal-rules https://www.fidelity.com/learning-center/personal-finance/retirement/non-spouse-IRA _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Imagine 17,134 grains of sand in zen garden sand box. ONE is an absolute winner. Could you pick it? Could you pick it from a much smaller box of 534 even? That’s essentially cryptocurrency right now. Dismissing cryptocurrency is a logical reaction and yet- would you believe as an asset class, if all of crypto were on the Fortune 500, it would be a top 10 company by market cap? Bigger than Berkshire Hathaway? Bigger than Tesla? Bigger than Visa? That's a lot to fathom. So our own Daren Blonski CFP® is here to share his take on the crypto space right now, with 4 key reasons he believes Bitcoin has stood out from everything else and will continue to do so. This episode is for educational purposes only, focused on explaining some of the realities of this still relatively-new asset class, which has become too big to ignore. Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ References: https://tangem.com/en/blog/post/how-many-cryptocurrencies-exist/ https://www.forbes.com/digital-assets/crypto-prices/?sh=7a54f0bb2478 https://explodingtopics.com/blog/number-of-cryptocurrencies _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

We’ve all been doomscrolling on a phone at god-knows-AM when some stranger in a video says something that makes “sense” about money. Ever wonder what a CERTIFIED FINANCIAL PLANNER® might say to that same video? In this fun episode of It’s All Money, we open up the pandora’s box of internet money advice and let our Managing Principal, Daren Blonski CFP® give his take. Additionally, Marketing Director and Podcast host Dano Weir shares how an average person might process and logic through some of this content, and the pitfalls therein.• Why not just put your emergency fund in an index fund to “make more”? • What is the “tolerance for ambiguity”?• If you leave your money invested, it just “makes 10%”, right?• Why is bitcoin ot the “only store of value”? • Should I do a real estate double-backflip to get a “free” G Wagon?• Why the Wolf Of Wall Street of all people calls CNBC the “worst thing to happen to investing”.• Can you “write off” a private chef?If you ever wanted to throw cold water on the money nonsense you see on the internet, this episode is for you 😎Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ References Financial Advice from the Cleveland Brownshttps://www.youtube.com/watch?v=uN9WSgeETCoSource: HBO, NFL FilmsNew Bitcoin Adhttps://www.instagram.com/reel/DJkJLeoxlV9/?igsh=NTc4MTIwNjQ2YQ==Source: CoinbaseRisk Tolerance With Jerry Joneshttps://www.instagram.com/reel/DIgeCK2OLRc/?igsh=NTc4MTIwNjQ2YQ==Source: Undeniable with Joe BuckTwo Income Traphttps://www.instagram.com/reel/DJcInkGswmB/?igsh=NTc4MTIwNjQ2YQ==Source: Last Meal With Tom NashWolf Of Wall Street on CNBChttps://www.instagram.com/reel/DIzDFynTxKx/?igsh=NTc4MTIwNjQ2YQ==Source: @wolfofwallst instagramRentals to buy a G Wagonhttps://youtube.com/shorts/FM_ChKFVUJ4?si=cdQWr4R4e1O-X1tMSource: ThachNguyenEmergency Fund in the Market?https://www.youtube.com/shorts/MxZFjTqp4GcSource: Ben Alistor, YouTubeWriting Off My Private Chefhttps://youtube.com/shorts/dwt1fggBga0?si=LS1mljmiqFuDaxh8Source: Karlton Dennis Youtube________________________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Real Estate Headlines hurt these days don’t they? “Pending Sales Hit All Time Low” “Forecast Downgraded” “Commision Litigation Could Impact Sales” “REAL ESTATE HALTED” While trends, data and comps matter, in real estate every deal is unique and individual. Your friend’s house price doesn’t matter as much as your list price, your offer price. This week on It's All Money, host Dano Weir and Sonoma Wealth Advisor Shelby Wirick go in search of real answers from realtors actually doing deals right now- Kristie Eddy and Mary Bienek from Sotheby’s, Morgan Devencenzi from eXp, Chris Meadors from Compass, Mary Fillinger from Hedge and Miguel Paredes III from Holmes Burrell. Collectively the panel has over $1 billion in real estate transactions across dozens of years in Sonoma, Napa, Marin Counties and beyond. Find answers to these questions and more: How did the market change in 2024?Why is this alleged “bad market” actually a benefit for buyers?What is the *deal* with the commission thing?Is Zillow even close to correct?Why is there “no such thing” as a bad interest rate? Enjoy this encouraging and educational look at what happened and what could be next in real estate in 2025. Filmed on-location at SOMO Cowork in Rohnert Park, CA: https://www.somocowork.com/ Guests on the show include: Kristie Eddy Sotheby’s International Realty (949) 577-1717 [email protected] http://www.kristieeddy.com/ DRE# 02095273 Mary Bienek, Realtor Sotheby's International Realty (707) 787-8659 [email protected] https://www.sothebysrealty.com/eng/associate/180-a-3176-66368357/mary-bienek DRE#01877389 Morgan Devencenzi Sullivan Group @ eXp Realty (707) 696.8654 [email protected] https://morgansullivan.exprealty.com/index.php DRE Number: 02092448 Miguel Paredes III Holmes Burrell Real Estate (415) 233-3235 [email protected] https://miguel.viewnorthbayhomes.com/ DRE License# 01790855 Chris Meadors Compass Napa and Sonoma (707) 287-3528 [email protected] https://www.meadorsgroup.com/ DRE #02024636 Mary Fillinger Pearson Fillinger Group @ Hedge Realty (650) 703-4800 [email protected] https://pearsonfillinger.com/ #02147040 Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ References: https://spectrumnews1.com/ca/southern-california/housing/2024/09/30/home-turnovers-are-at-their-lowest-level-in-30-years https://www.nytimes.com/2024/12/11/realestate/housing-market-2024-2025.html https://www.realestatenews.com/2025/03/24/home-sales-optimism-fades-with-nar-economists-new-forecast https://www.reuters.com/markets/us/us-pending-home-sales-tumble-record-low-january-2025-02-27/ https://www.northbaybusinessjournal.com/article/industry-news/sonoma-county-lost-decade-of-new-housing-in-2008-financial-crisis/ https://rocket.com/homes/market-reports/ca/sonoma-county https://www.resiclubanalytics.com/p/the-vanishing-young-homebuyer-median-first-time-homebuyer-age-jumps-from-28-in-1991-to-38-in-2024 Credits: Voiceover - Dano Music – Neon Beach “Sparkle Rising” https://www.youtube.com/watch?v=bAyi2K2L_lo ________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

“Money’s all in your mind” sounds pretty hokey, doesn’t it? But trace every decision you’ve ever made in life, including your money. Where did it all flow from? Right 😉🧠.At Sonoma Wealth Advisors, we offer a holistic approach for our clients (and future clients!). This includes starting at square 1, or even square 0- How do you think about money?What’s your behavior around it? What’s your history with it? Where did that come from? Are you happy with the results, or time for a reanalysis?In this introspective episode, hosts Dano Weir and Daren Blonski CFP® look at the 8 Ways We Think About Money at Sonoma Wealth Advisors.This is a great episode for someone just getting started with organizing their finances, we hope you enjoy and learn even 1 thing to help you in your journey.Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences: https://www.advisorperspectives.com/articles/2025/02/12/nvidia-shares-no-longer-bulletproof-deepseek-fears_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.