How does your savings strategy impact your financial future, particularly with tax season looming and new contribution limits set for 2025?

Jim KruzanCFP®, CRPC® and guest Dylan Stewart, a Certified Financial Planner and Certified Public Accountant, unravel the concept of tax-efficient waterfall funding—an approach crafted to maximize your savings efficiency while minimizing tax burdens. Together, they provide insights into how this process not only benefits savers but also retirees by reversing strategies to efficiently tap into accumulated funds.

Key episode discussions include:

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• The essentials of a tax-efficient waterfall strategy and its impact on your financial health
  
• High-priority saving tactics, including emergency funds, employer 401(k) matches, and high-interest debt management
  
• Medium-priority savings options like Health Savings Accounts (HSAs) and how they can be leveraged for medical expenses
  
• Low-priority contributions such as education savings plans and considerations for low-interest debt
  
• Strategies to handle retirement withdrawals and manage tax efficiencies proficiently
  
• And more!
  

Resources:

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• Tax-Efficient Waterfall Funding Strategy 2025
  
• Secure Act 2.0
  
• Managing Debt Related Stress and Anxiety
  
• What is a Health Savings Account (HSA)?
  
• MiAble Accounts
  
• 529 College Savings Accounts
  
• Individual Retirement Accounts (IRA/Roth IRA)
  
• Employee Stock Purchase Plan (ESPP)
  
• What Is an Exchange-Traded Fund (ETF)?
  
• What are Fixed Income Funds?
  
• What are Equity Funds? 
  
• What are Stocks?
  
• Required Minimum Distributions (RMD)
  

Connect with Jim Kruzan: 

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• (800) 638-6900
  
• Kaydan Wealth Management
  
• LinkedIn: Jim Kruzan
  
• LinkedIn: Kaydan Wealth Management
  
• Facebook: Kaydan Wealth Management
  
• Instagram: Kaydan Wealth Management
  
• YouTube: Kaydan Wealth Management
  
• Twitter: Kaydan Wealth Management
  

Connect With Dylan Stewart:

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• LinkedIn: Dylan J. Stewart, CFP®, CPA
  

About our Guest: 

Dylan Stewart, CFP®, CPA, serves as a Wealth Advisor at Kaydan Wealth Management, offering comprehensive wealth management and guiding clients through the Evolutionary Wealth Process. As a member of the Investment Policy Committee and collaborator with Senior Wealth Advisors, he plays a pivotal role in shaping and maintaining client financial strategies.