Talking Real Money - Investing Talk
Financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast designed to provide the real help we all need to enjoy a really great future. Call in with your questions anytime at 855-935-TALK (8255).
Talking Real Money - Investing Talk
Questions Four
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Don McDonald
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In this Friday Q&A episode, Don answers four listener questions covering fund recommendations, special-needs financial planning, retirement withdrawal strategy, and tax-efficient health savings. First, he addresses whether Talking Real Money receives commissions for mentioning Avantis and Dimensional funds (they do not) and explains why those firms’ evidence-based strategies stand out. A second caller asks about planning for a child with a lifelong disability, prompting Don to stress the importance of working with a specialist attorney to establish structures such as special-needs trusts and ABLE accounts. Another listener questions whether all-in-one funds complicate retirement withdrawals, but Don argues that simple portfolio withdrawals beat complex optimization strategies. The episode closes with a teacher nearing retirement asking whether drawing from a 457 plan to keep funding an HSA is worthwhile, which Don notes can create a powerful tax advantage similar to a Roth conversion.
0:05 Friday Q&A intro and reminder to submit voice questions at TalkingRealMoney.com
0:50 Listener asks whether Don and Tom receive commissions for recommending Avantis or Dimensional funds
1:33 Don explains the evidence-based origins of Dimensional and Avantis and confirms there are no commissions or compensation
4:15 Caller asks how to financially plan for a child with a lifelong neurological disability
5:15 Don stresses the importance of working with a special-needs attorney and explains tools like ABLE accounts and special-needs trusts
7:09 Listener asks whether all-in-one funds like VT or AVGE create problems when withdrawing money in retirement
8:27 Don argues simplicity is better than optimization and recommends withdrawing from the portfolio as a whole rather than trying to pick winners
10:49 Teacher retiring at 54 asks whether it makes sense to withdraw from a 457 plan to continue maximizing HSA contributions
12:38 Don explains how using taxable withdrawals to fund an HSA can effectively create a Roth-like tax benefit
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0:05 Friday Q&A intro and reminder to submit voice questions at TalkingRealMoney.com
0:50 Listener asks whether Don and Tom receive commissions for recommending Avantis or Dimensional funds
1:33 Don explains the evidence-based origins of Dimensional and Avantis and confirms there are no commissions or compensation
4:15 Caller asks how to financially plan for a child with a lifelong neurological disability
5:15 Don stresses the importance of working with a special-needs attorney and explains tools like ABLE accounts and special-needs trusts
7:09 Listener asks whether all-in-one funds like VT or AVGE create problems when withdrawing money in retirement
8:27 Don argues simplicity is better than optimization and recommends withdrawing from the portfolio as a whole rather than trying to pick winners
10:49 Teacher retiring at 54 asks whether it makes sense to withdraw from a 457 plan to continue maximizing HSA contributions
12:38 Don explains how using taxable withdrawals to fund an HSA can effectively create a Roth-like tax benefit
Learn more about your ad choices. Visit megaphone.fm/adchoices
