Carl Stuart dives into several questions from calls and texts, including Roth IRA conversions, dividend reinvestment, asset allocation, mortgage rates, retirement savings, and gifting money.
Target-date retirement funds explained, deeper dives into market funds, plus a Medal of Freedom nomination, and Carl moonlights as briefly family therapist
Are target-date retirement funds worth it? How aggressive should you be in the stock market after retirement? And is the market capitalization of S&P 500 overconcentrated? Just a few of many questions Carl Stuart helps answer. Plus one texter gets some inadvertently gets some marriage counseling and another nominates Carl for the Medal of Freedom.
Allocating your assets and drawing down retirement accounts in the most advantageous way
Carl Stuart takes on several topics from callers and texters, like the right ratios for your asset allocation, drawing down pre- and post-tax retirement accounts, Social Security Disability Income (SSDI), planning for the future even at an advanced age, and more.
Drawing pensions early, explaining interest rates and their relationship to treasury bonds, and managing multiple houses as investments
Carl Stuart talks to callers and texters about whether there are downsides to drawing a pension early, the relationship Federal Reserve interest rates have with U.S. “T-notes” or treasury bonds— and their effect on banking interest rates. He also talks about managing multiple houses as investments and other topics.
Weighing how much of an inheritance to put in a home, explaining minimum distributions from IRAs, and more on Social Security disbursements
Carl helps several callers and texters, like one trying to figure out what percentage of an inheritance to invest in markets and in her Austin home, what happens when the federal government requires minimum distributions from Individual Retirement Accounts (IRAs), and weighing how long to wait to take Social Security benefits — and more.
Managing your HOA’s reserve funds, taking another look at small-cap growth stocks, and changing financial advisors to the state where you retire
Carl Stuart takes your calls and texts on a lot of questions, including from the treasurer of a Home Owners Association about managing their reserve funds, a retiree who moved to the Austin area and wants advice on what to look for in a financial advisor here, and from an investor looking to push his luck on under-performing Russell small-cap funds.
The state of advisor fees, the pitfalls selling rental property after a partner dies, and managing year-round IRA contributions
Carl Stuart takes your questions including why fees for advisors are set the way they are. He chats with someone over a question he’s never received in 30 years regarding the sale of a rental property years after the woman’s husband died. Plus questions about individual retirement accounts, college savings, and more.
Minimizing the costs of investments, caution against seeing your home as a nest egg, and assessing inherited property values
Carl Stuart takes a variety of questions, mainly texts, on how to minimize fees associated with making investments, why you should not see your home as an investment you’ll cash out of one day – because you have to live somewhere, learn about step-ups in value “basis points” when inheriting a property, and more on this week’s show.
Robo-investing, whether to pay down a mortgage or invest, and career change while holding onto some of your savings
Carl Stuart answers your questions including the unemotional choice of robo-advisors, using expendable income to pay down a mortgage or buy stocks, and advice for a soon-to-be-teacher to hold on to savings during the lean months ahead of student teaching. Also, some popular questions of late on 529 college plans and protesting property tax appraisals.
Protesting your property tax appraisal, mulling the transfer of 403bs and 401ks into one account, and underperforming U.S.-stock exchange traded funds
Carl Stuart answers a carryover question from the previous week on protesting property tax assessments with the help of informed listeners. He also takes on other complicated topics like how to position ranch land for their heirs or themselves, the possibility of combining pension, 401k, and 403b accounts into one for easy management, why Carl is shying away from U.S.-only stock ETFs for the near term, and other questions.
Growing your cash even after you retire, tax strategies with real estate sales, and survivor benefits when one spouse paid into Social Security and the other did not
Carl Stuart takes on some more nuanced topics like staying (a little) aggressive with your nest egg in retirement, tax strategies behind 1031 exchange real estate transactions, and survivor benefits when one spouse’s employer paid into Social Security and the other, a teacher, only paying into a pension (TRS).
Supplementing state retirement plans, starting over after losing all your savings, investing in international stock funds, and alternatives to 529 plans for college planning.
Carl Stuart takes your calls and texts on how to add savings to a State of Texas Teacher or Employee Retirement System plan (TRS or ERS), what to do when starting from scratch — even when retirement age is around the corner, what alternatives there are for trusts and college savings plans, as well as buying a piece of the toll road– individual infrastructure investments!
Handling Health Saving Accounts at 65 years old, more on exchange traded funds, paying down a mortgage, and thoughts on Warren Buffet’s retirement.
Carl Stuart handles questions on a lot of personal finance topics, including what to do with health savings accounts (HSAs), investing in indexed funds or ETFs, and some advantages to paying down your mortgage. He also talks a bit about the news that Warren Buffet is stepping down as head of Berkshire Hathaway – and, no, Carl was not named his replacement!
Surprising costs when probating an estate, consolidating retirement accounts, and backdoor IRAs
Carl takes on your questions, including a holdover from the end of last week’s program on the cost of probating a contentious estate, another on managing multiple retirement accounts from multiple employers in multiple countries, and more.
Investing in REITS, rolling over your old employee retirement accounts, and short selling stocks
Carl Stuart explores questions about Real Estate Investment Trusts, Austin property values, what to do with your old employee retirement accounts, and the merits and pitfalls short selling stocks.
Buying gold (or not), active vs. passive managed funds, and living longer in retirement – and paying for it
Market uncertainty tops the show with a look at whether and how to buy gold. Carl chats with callers and texters about US Treasuries in the current climate, the “right” mix of bonds in portfolios – and at what age you shift that mix. As well as using 529 plans or cash to pay for college while those 529s are lower and more.
Reaction to market shocks after tariff announcements, and income tax strategies
Carl joins KUT, talks tariff shocks to markets, and IRA tax strategies
Money Talk with Carl Stuart is a listener-supported production of KUT & KUTX Studios in Austin, Texas. You can support this podcast at supportthispodcast.org