The Roth Guy with Jude Wilson

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, Jude walks through what it actually feels like to work with a firm like Centrus Financial- from the first conversation to ongoing guidance- so you know what to expect. Every firm can tell you what they do. We'd rather show you. If anything we talked about today sounds like the kind of relationship you've been looking for, let’s have a conversation. Here’s some of what we discuss in this episode: 🧭 GPS Process: The five pillars of planning 📋 Planning First: Why investments come second 🎯 Client Discovery: Building a plan around your why 🚦 Ongoing Guidance: Communication beyond onboarding 👨‍👩‍👧 Life Changes: Adapting through every stage 🧠 Behavior Coaching: More than investment advice CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/ CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/ Centrus GPS 5 Pillars Document 5 Worlds of Holistic Financial Planning Document

Healthcare costs in retirement just keep climbing- and the newest Fidelity study shows how serious the challenge has become. In this episode, Jude breaks down what retirees can expect to pay for medical expenses, why those costs are outpacing inflation, and the most overlooked ways to plan ahead. From the hidden expenses Medicare doesn’t cover to how an HSA can serve as a “stealth Roth,” Jude shares actionable strategies to help you prepare for one of retirement’s biggest financial wildcards. You’ll also learn how tax moves like Roth conversions can unexpectedly impact your Medicare premiums and why it’s crucial to factor healthcare into your overall income plan. Here’s some of what we discuss in this episode: 📈 Healthcare costs rising twice as fast as inflation 🏥 Medicare doesn’t cover everything ⚠️ Watch out for IRMAA and tax surprises 🧩 Plan early to avoid financial strain Fidelity Report: https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e CONNECT 🤝 Facebook: https://www.facebook.com/CentrusFinancialStrategies/ X: https://x.com/centrusfs?s=21 LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/ CONTACT ☎ Centrus Website: https://centrusfs.com/podcast/ The Tax Bomb Website: https://thetaxbomb.com/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Choosing between a traditional 401k and a Roth 401k is one of the most common questions workers face today. With more employers now offering both options, many people default to a 50/50 split simply because they don’t know what else to do. But is that really the best strategy? And how do you figure out the right mix for your situation? Here’s some of what we discuss in this episode: 🏦 Traditional 401k: tax deduction today, taxable withdrawals tomorrow 💡 Roth 401k: after-tax contributions, tax-free withdrawals later ⚖️ Why a 50/50 split isn’t always optimal 📉 The “sweet spot” strategy: maximize deductions + future tax-free income 📊 Using standard deductions wisely to avoid giving money away The Tax Bomb https://thetaxbomb.com/ Connect: Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

This week on the show, Jude answers some of the most common Roth IRA questions! First up: the Five-Year Rule. What does it really mean, how does it apply to contributions versus earnings, and why should you start the clock as soon as possible? Jude breaks it down in plain language with a reminder that waiting too long could delay your tax-free income in retirement. Next, Jude tackles two questions that often go hand in hand: what to do if you make too much to contribute to a Roth IRA, and whether you should convert your entire IRA all at once. Here are the questions we discuss in this episode: 💭 What is the Roth five-year rule? 💭 What if I make too much to contribute to a Roth? 💭 Should I convert my IRA to a Roth all at once? Tax Bomb Calculator: www.thetaxbomb.com Connect: Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Is your retirement account a ticking tax time bomb? In this episode, Jude gives a hands-on demo of his Tax Bomb Calculator- a powerful tool at thetaxbomb.com- that helps you estimate how much of your 401(k) or IRA could be lost to taxes. Here’s some of what we discuss in this episode: 💣What is the tax time bomb? 📊 Understanding your future tax liability 🧠 “Mandatory” vs. “optional” taxes in retirement 🔄 The power of reallocating taxable retirement funds 📆 Using today’s low tax rates to your advantage The Tax Bomb Calculator: https://retirementtaxbill.com/?u=Z00xeHQrK3lieGhOMlYvdnlNSUIvQT09 Connect: Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Wishful thinking feels comforting, but in retirement planning, it can quietly sabotage your future. In this second installment, Jude breaks down five more dangerous assumptions people make when planning for their golden years. From relying too much on Social Security to assuming Medicare will handle long-term care, this episode challenges listeners to face financial realities with clarity and strategy. Here’s some of what we discuss in this episode: 🚫 Common planning mistakes and false beliefs 🏠 Downsizing might not free up the cash you expect 👨‍👩‍👧 Counting on your kids? Think again 💵 Social Security might not stretch far enough 🧯 Putting out fires before it’s too late Retirement Tax Bill Calculator https://thetaxbomb.com/ Connect: Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

When the headlines scream and markets tumble, your instinct might be to do something. But what should you actually do when the market drops? In this episode, Jude walks through 4 key things to consider when your portfolio takes a hit. Here’s some of what we discuss in this episode: 🧠 Gut check: You may not be down as much as you think ⚖️ How diversification can help when the market takes a hit 🔁 Rebalancing & Roth conversions during downturns 💸 Why you should keep contributing 📵 Turn off the news and stop doomscrolling Connect: Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Peter Thiel, co-founder of PayPal and early investor in Facebook, reportedly grew his Roth IRA to a jaw-dropping $5 billion- completely tax-free. But how did he do it? And more importantly, can everyday investors use similar strategies to maximize their own retirement savings? In this episode, Jude Wilson and Marc Killian break down the "Rocket Roth" strategy- an approach that goes beyond basic diversification to optimize where your investments are placed for maximum tax efficiency and growth. Could your Roth IRA be working harder for you? Let’s discuss what it means to rocket your Roth! Here's what we discuss in today's show: 1:21 – Peter Thiel’s backstory 2:35 – Asset location and diversification 4:41 – Reallocating assets for maximum growth 6:44 – Common mistakes and tax considerations 12:42 – What would you place in the “rocket Roth?” Resources for this episode: Tax Bomb Calculator: https://retirementtaxbill.com/?u=Z00xeHQrK3lieGhOMlYvdnlNSUIvQT09 Resources for this week's show: https://www.nbcnews.com/tech/tech-news/billionaire-investor-peter-thiel-has-5b-his-tax-free-retirement-n1272317 Connect: Website: https://centrusfs.com/podcast/ Call: 800-779-4592 Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/