In this episode of ‘Roadmap to Retirement,’ we have another Q&A with Marshal! We start by answering questions on Roth IRA conversions, explaining the timing, tax implications, and strategies during market downturns. Then moving onto answering questions like evaluating the benefits of buying annuities, the strategy of tax-loss harvesting, and the timing for claiming Social Security benefits. We dive into the pros and cons of making investment portfolios more aggressive, particularly in the current fluctuating market, and touch on strategies for handling Health Savings Accounts (HSAs). Throughout, we want to emphasize the importance of personalized financial planning and being cautious about so-called ‘guaranteed’ financial products.

If you have financial questions that you would like answered, please send them in, we love the feedback. Come back next week for another new episode! Thanks for listening.