Gene Dickison 公开
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Gene and Alyssa answer buckets o’ questions: Should a student in college with no income file a tax return anyway? (Spoiler alert – Yes!) She is retiring in September. Will her husband get a bump in his social security? What will the capital gains rates be in the future? (Spoiler alert – no one has a clue!) Is it possible to pre-plan your funeral wi…
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Gene and Alyssa answer buckets o’ questions: How does a QCD (Qualified Charitable Distribution) affect his income taxes? What are the pros and cons of the various ways to own gold as an investment? Will she get a share of his inheritance ($1 million) should they get a divorce? He wants to understand the basics of saving and investing. Lots more . .…
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Alyssa takes charge and is joined by: Chad Rupprecht – financial advisor and a super hero in a fleece vest Greg Grillo – financial advisor, superstar golfer, and Abby’s dad Melissa Boyer – assistant operations director makes her radio debut! Our audience – the best in America! Lots more . . . Free Second Opinion Meetings Meet with a More than Money…
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Gene and Alyssa answer lots of listener questions: Should he roll his IRAs into his U.S. government TSP program? How can she set up her stock holdings so they go directly to her sons? Is it too late to save their home? His advisor wants to charge him $265/hour for a financial plan. Is that reasonable? Lots more . . . Free Second Opinion Meetings Me…
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Gene and Alyssa answer lots of listener questions: She is looking for ways to supplement their social security income. Why won’t he help? He thinks he will save a ton of money if he fires his financial advisor. Is he right? Their son is serving in the Marines and may have messed up his PA tax return. Can we help? Medicaid might take the family home…
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Gene and Alyssa answer lots of listener questions: They have two grown children they want to help. IRAs? He shifted from employee to self-employed. How does he save for retirement? She wants to move $25,000 each into 529 plans for her 4 grandchildren. What’s the best strategy? What records should you keep when you make improvements to your home? Lo…
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Gene and Alyssa answer lots of listener questions: He has a tenant who can’t pay his rent due to health issues. How can help? How does she know the cost basis of a stock she got through a stock split? What can he do about a fraudulent $1,000 charge on his debit card? Should he roll his old 401(k) into his current 401(k)? Lots more . . . Free Second…
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Gene and Alyssa answer lots of listener questions: Their son (54) does not handle well. Is putting his sister in charge the best idea? Is splitting a portfolio into stocks and index ETFs a sound diversification strategy? Will a revocable trust protect her when her significant other passes? The bank gave this elderly man bad IRA advice when his wife…
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Gene and Alyssa answer lots of listener questions: Is it possible for grandmother to help her grandchildren become millionaires? She has done amazingly well, but at age 71 she now wants a financial advisor. How does she find one? Is it a good idea to move an IRA into a credit union CD? Does Point Phillip Hotel really have the best brisket around? L…
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Gene and Alyssa answer lots of listener questions: Social Security offered him a lump sum with a lower monthly benefit. Good idea? How does he know what taxes to withhold from his social security benefit check? His wife’s annuity pays 2% and is finally – after 7 years – maturing. What should she do with the funds? They’ve had their life insurance p…
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Gene and Alyssa answer a few listener questions, but mostly say thank you over and over: Are there some things he should know about buying a new truck? Is he being scammed on a boat buy out of Florida? Does it ever make sense to take social security before age 70? Since IRAs have less protection than 401(k)s should we avoid rolling funds over into …
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Gene and Alyssa answer a few listener questions, but mostly say thank you over and over: He needs to understand how income funds can produce dividends, but do so poorly overall? She asks how she should make changes to her will? He and his wife own I-bonds and want to know if they should keep them? He wants to know how to go about ‘being the bank’ a…
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Gene and Alyssa answer a few listener questions, but mostly say thank you over and over: Mom’s 7 year annuity matures in February. What should she do next? He’s married, but only he is on the deed to their home. If they sell, what are the tax implications? Has MtM handled any lottery winners? (spoiler alert – yes!) Does the S&P 500 have enough ‘for…
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Gene and Alyssa answer a few listener questions, but mostly say thank you over and over: How does he find a quality advisor for a friend who lives out of state? Does she owe tax on a $150,000 inheritance she received from a friend? Should he pay off his mortgage or secure an annuity to do that over time? Her daughter is 27. Can she set up an appoin…
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Alyssa Young is your host this morning. She shares historical stats about stock market performance—including average returns before and after presidential elections—and lots of information to prepare you for your 2023 income tax return. She also outlines the 2024 changes to retirement plan contribution limits, income tax brackets, Medicare premiums…
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Gene and Alyssa answer a few listener questions, but mostly say thank you over and over: Suze is wrong. Suze says you should never lease a car. She is wrong. Should she use part of her retirement funds to pay off debt for her kids? She is on her way to happy, healthy, hundred, but is her advisor not up to the task? He knows his daughter will blow t…
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Gene and Alyssa answer a few listener questions, but mostly say thank you over and over: How does she elect her inherited Roth IRA distributions by the deadline? Should he use part of his $1.4 million IRA while waiting to take Social Security at age 70? Her daughter and her fiancé have tons of student debt. Can they still meet with a financial advi…
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Gene and Alyssa answer tons of listener questions: They have $90,000 in a 529 plan for their son. Should they add more? He is retiring with $360,000 in his 401(k). Should he invest in annuities? A young man wants to take over the company 401(k), but he only has an annuity license – what does that mean? How can you tell if an advisor really is a fid…
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Gene and Alyssa answer tons of listener questions: Are money markets the same as bank accounts? How does a reverse mortgage work if the owner goes into a nursing home? Has her bond fund really lost 20% in three years? He loaned $10 to his college roommate 50 years ago – can he still get that back with interest? Lots more . . . Free Second Opinion M…
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Gene and Alyssa answer tons of listener questions: Are all annuity salespeople ‘slick’? How does he properly deduct his RMD QCDs to charity? Why would he not buy lots of stocks just before they pay their dividends? Mom had a life estate in her home that her three sons owned. She passed. How do they report taxes? Lots more . . . Free Second Opinion …
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Gene and Alyssa answer tons of listener questions: Vanguard is charging her $25.00 to process her RMDs?!?! He did two IRA rollovers within seven months. Is he in trouble with the IRS? What are the pros and cons of adding his new wife to the deed to his home? My financial advisor calls once a year and gets snotty when I want to take some of me money…
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Gene and Alyssa answer tons of listener questions: Is this grandma helping her 5 grandchildren with college costs (food) getting in trouble with the IRS? She wants to know when she must take withdrawals and from which accounts? Can you use the cash value from a life insurance contract to fund an annuity? They are retiring at ages 69 and 66. What do…
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Alyssa Young is your host today. She describes six strategies she’s helping clients develop for their unique circumstances. Alyssa also welcomes MtM senior financial advisor Mark Belcak at the top of the 9 o’clock hour to discuss a study that quantifies the value a financial advisor brings through four particular tactics: Routine portfolio rebalanc…
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Gene and Alyssa answer tons of listener questions: Is there risk investing in a bond that offers 10% – 13% rates? At age 85 should he cash in his life insurance and use it to help the grandchildren? Will the income she gets from her IRA annuity count toward her RMD? How does she choose from four different pension options? Lots more . . . Free Secon…
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Gene and Alyssa answer tons of listener questions: She was sold three (3) annuities and now finds they are not what she was sold. What now? They need to know the mechanics of a 529 educational fund so they can best help their grandchildren? His advisor has not done a good job. Can he still retire? Should she set up a gift of her home and retain a l…
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Gene and Alyssa answer tons of listener questions: He wants to use his grandson’s 529 account to buy a car. What will the taxes/penalties be? Her home also contains a rental. How is this treated when she sells her home? Can he use the RMDs he gets from an inherited IRA to fund a Roth IRA? Her ex-husband needs her help. Can we answer some/all of her…
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Gene and Alyssa answer tons of listener questions: They responded to the IRS and they haven’t heard a word in weeks. Should they be worried? What are the costs involved in adding gold to an investment account? Are ESG investment managers giving up profits to support their ‘woke’ ideology? They have $500,000 in many different places. Can they consol…
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Gene and Alyssa answer tons of listener questions: Helping his daughter with her first house. Why does the bank want a ‘gift letter’? Do we have to take RMDs from our inherited IRA or not? He’s seeing a big capital gain this year. Will it affect his IRMAA and Medicare premiums? They are cashing in stocks to buy their beach home. Can they cut their …
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Gene and Alyssa answer tons of listener questions: How best to donate using a Charitable Trust or Donor Advised Fund? Can he move money from his IRA to his grandchildren’s 529 plans without paying taxes? He’s 70 and thinking he would like to invest in stocks. Good idea? He is using his home for an AirBnB and his mortgage company is unhappy. What ca…
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Gene and Alyssa answer tons of listener questions: He and his family invested in an actual oil well. What are the prospects? She has an old 401(k) and a new 401(k) should she roll the old one into the new one? What are the penalties for not signing up for Medicare when she turns 65? Mom titled her house in the kids’ names, kept a life estate, and p…
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Gene and Alyssa answer tons of listener questions: His wife signed up for Medicare and it messed up her HSA. Can that be fixed? Everyone tells her she should convert her IRA to a Roth. True or false? (Spoiler alert – for her, false!) Should the lawyer be responsible to penalties on the estate tax? Father-in-law has been living with them for two yea…
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Gene and Alyssa answer tons of listener questions: He wants to know if ‘digital currency’ is a done deal? Should he borrow against his stock portfolio with a margin loan? Her mom is executrix for a New Mexico estate, but has dementia. What happens now? There isn’t enough money in mom’s estate for all her bequests. What can he as executor do? Lots m…
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Gene and Alyssa answer tons of listener questions: She got a letter from TIAA-CREF that her information was hacked. What should she do? Should he name his daughter his power of attorney or is there a better way? She’s been waiting for her inheritance for two years. Should she consult an attorney? They don’t live close to the MtM World Headquarters.…
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Gene and Alyssa answer tons of listener questions: Are ‘brokered CDs’ a good idea? How do the inherited IRA rules work with a Roth IRA? Is using a ‘hybrid’ life insurance policy to cover long term care expenses a good idea? Can they confidently retire at age 60? Lots more . . . Free Second Opinion Meetings Do you have questions about your financial…
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Gene and Alyssa answer tons of listener questions: Should dad pay the interest on daughter’s student loans from his 529 plan? His high-paying job is killing him. Can she afford to shift to a less stressful job? How can she best help her child buy-out their divorcing spouse? She is 80 and wants to consolidate her accounts. Will that help her sons? L…
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Gene and Alyssa answer tons of listener questions: His 401(k) has been ‘kicked around’ to 4 different investment groups. He wants out! What RMD must they take from her inherited IRA this year? He wants to know why life insurance is being sold to people who don’t need it? She wants to know how to invest in the stock market without high anxiety? Lots…
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Gene and Alyssa answer tons of listener questions: He wants to transition to part-time at age 65, but his wife wants him to keep working full-time. What to do? They want to know if charitable gift annuities are a good idea? A thief stole her checks from her mail box and drained her account. And he didn’t need a computer to do it. First ‘advisor’ wa…
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Gene and Alyssa answer tons of listener questions: He has an account in his own name. Should he name his wife a joint owner or beneficiary? Why does his financial advisor want to know so much about his life? The insurance salesman took her pension and earned huge commissions. What is her recourse? He got out of the stock market last September and i…
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Gene and Alyssa answer tons of listener questions: Gene gets really snarky with people expecting taxpayers to pay off their student loans. He has a better idea! How does he determine if he should reduce or eliminate his life insurance coverage? What is the best way for her to help her children buy their first house? If he leaves his IRA and Roth IR…
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Gene and Alyssa answer tons of listener questions: They are giving their granddaughter $100,000. Is a beach house a good investment for her? What level of gifts can her 93 year old mother give her without incurring income taxes? How do she know how to compare her passive investments with her active investments? His retirement spreadsheet has many a…
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Gene and Jon Weimer answer tons of listener questions: At his age of 70 does it still make sense to convert his 401(k)s to a Roth IRA? How does he choose from a lump sum or monthly payments from his pension? What are the right steps to take when parents want to help their kids buy their first home? The markets are up significantly this year. Is the…
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Gene and Alyssa answer tons of listener questions: She asks how to move her RMD to her church without paying income taxes? Should he cash in his CD for higher interest rates? She has detailed ‘second opinion’ questions about her investments? Gene and Alyssa create a list of ‘red flags’ you should look for when dealing with a financial advisor? Lots…
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Gene and Alyssa answer tons of listener questions: His advisor says only preferred stocks pay dividends Is that true? Comparing ‘robo-advisors’ to call-center advisors? She asks if she can use her RMD funds to start up a consulting business? She lives in NYC. How does she find a trusted financial advisor? Lots more . . . Free Second Opinion Meeting…
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Gene and Alyssa answer tons of listener questions: How does a young couple get financially ready to start their family? Should she cash out her IRA, pay the taxes, so she can invest in a CD? She is recently widowed and needs a financial advisor. What questions should she ask? They both have 401(k)s at the same company that are not performing well. …
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Gene and Alyssa answer tons of listener questions: Is it possible his tax preparer got it wrong? When he moves south should he rent his house or sell it? Should she use her inheritance to fix the house or give it to her stepsons? What are the basics of structured notes? Lots more . . . Free Second Opinion Meetings Do you have questions about your f…
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Gene and Alyssa answer tons of listener questions: Is home title insurance worth the money? Is settling her estate going to be hard because her kids are in seven (7) states? What tax challenges does he face after buying his neighbors home? He and his wife are fighting over the cost of a destination wedding. Who’s right? Lots more . . . Free Second …
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Gene and Alyssa answer tons of listener questions: He has a CD maturing at his credit union. Now what? He wants to understand what working with a financial advisor is like and can he do it from Maine? Should he apply for social security disability? Will social security be there when her children reach retirement age? Lots more . . . Free Second Opi…
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Gene answers tons of listener questions: They want to liquidate some investment. Their advisor wants them to borrow. Who’s right? He warns the audience about leasing cars for elderly parents. He wants clarity on exactly what ‘value’ stocks are and if he should invest in them? Their financial advisor works alone. What happens to them when he retires…
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Gene, and Alyssa answer tons of listener questions: He took company stock out of his profit sharing plan. How does he handle the taxes? She got a raise and wants to know if putting it into her 403(b) is a good idea? He got a letter from PA State about his taxes. Is it a scam? Their financial advisor is alone. What happens to them when he retires – …
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Gene, and Alyssa answer tons of listener questions: Should she divert some of her 401(k) contributions to Roth IRA contributions? She and son own mutual funds jointly. Will changing the tax status raise a red flag with the IRS? He wants to know how Gene could have 780 years of experience? He is 100% invested in the stock market and just turned 63. …
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