Roth conversions, Social Security timing, RMDs, and IRMAA — what order should you tackle retirement decisions? Most people start with the wrong one.In this episode, Erik Soderborg from The Retirement Nerds and Zacc Call from Capita Financial Network break down a step-by-step sequencing framework for retirement income planning. If you've been told to prioritize Roth conversions above everything else, this video explains why that approach can backfire — and what to anchor first instead.This is Episode 5 of our Social Security series. Watch the full series:▸ Episode 1: https://youtu.be/AZfxGBp-Mts▸ Episode 2: https://youtu.be/Ssgulq9KwEU▸ Episode 3: https://youtu.be/FpnHmouqYl4▸ Episode 4: https://youtu.be/vDxe7vUxC1IZacc's Channel: ttps://www.youtube.com/@ZaccMoneyEducation 📋 Want help building your own Social Security plan?https://theretirementnerds.com/📘 Free Medicare Guide: ttps://theretirementnerds.com/medicare-playbook/⚖️ Need an estate plan?Set up your revocable living trust with Jim Burch: ttps://easylegalplanning.com/===============================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/===============================================ABOUT THE RETIREMENT NERDSErik spent years inside the insurance and pharmacy benefit industries before switching sides to help retirees navigate Medicare, Social Security, financial planning, and estate planning — without the spin.Subscribe: https://www.youtube.com/@TheretirementnerdsWebsite: https://theretirementnerds.com/⏰ TIME CODES ⏰0:00 Intro2:10 The Seating Chart5:50 Factors To Change the Seating7:30 Net Present Value of Taxes9:58 The Base Case: Convert Nothing11:40 The Framework21:13 The Unsolvable Loop23:05 The Most Flexible Seat24:35 Surprising Roth Philosophy26:08 Questions from the Internet38:10 Most Important Points42:06 Where to Get Help=============================#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #rothconversion Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

When should you take Social Security — at 62, 67, or 70? The answer depends on whether you're single or married, and the math looks very different for each. In this episode, Erik Soderborg and Zacc Call, president of Capita Financial Network, sit down and walk through real break-even analyses for single filers and married couples side by side. This is Part 4 of our 4-part Social Security series, and it's where the theory from previous episodes meets actual numbers.We run multiple scenarios showing how filing age, spousal coordination, survivor benefits, cost of living adjustments, and investment growth all shift the break-even point — sometimes by years. If you've been trying to figure out the right time to file, this is the episode that puts it all together.📌 Watch the full Social Security series: ▸ Part 1: https://youtu.be/AZfxGBp-Mts▸ Part 2: https://youtu.be/Ssgulq9KwEU▸ Part 3: https://youtu.be/FpnHmouqYl4🔗 Want help building a retirement income plan around your Social Security filing decision? Visit https://theretirementnerds.com/ to connect with our team.Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/⏱️ Timestamps0:00 Intro1:22 Scenario Types2:00 Case 1: Single, Never Married12:22 Case 2: Married, Same Age, Different PIAs21:08 Case 3: Married, Same Age, Similar PIAs28:29 Case 4: Married, Different Age, Different PIAs35:22 Case 5: Married, Different Age, Similar PIAs41:54 Case 6: Single, Deceased Spouse48:13 Case 7: Single, Multiple Previous Marriages55:04 Where to Get Help#SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToTakeSocialSecurity #SocialSecurity62vs70 #TheRetirementNerdsDisclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Social Security break-even age — it sounds simple, but most people calculate it wrong. In this episode, Erik Soderborg sits down with Zacc Call, president of Capita Financial Network, for Part 3 of our 4-part Social Security series. We walk through how to actually calculate your Social Security break-even age and break down the 3 most common mistakes that lead to an inaccurate number — and potentially a bad filing decision.We cover why ignoring the Cost of Living Adjustment (COLA) skews your break-even, why Social Security filing needs to be a team decision with your spouse, and why you can't ignore the investment growth you'd get by leaving your portfolio untouched while delaying benefits.Whether you're 62 and deciding when to file or still a few years out, this episode gives you the framework to make a smarter, more informed decision.📌 Watch the full Social Security series:▸ Part 1: https://youtu.be/AZfxGBp-Mts▸ Part 2: https://youtu.be/Ssgulq9KwEU🔗 Want help building a retirement income plan that accounts for Social Security, taxes, and investments? Visit https://theretirementnerds.com/ to connect with our team.⏱️ Timestamps:0:00 Intro1:38 Break Even Basics5:13 Mistake #1: COLA6:52 Mistake #2: Team Sport9:18 Mistake #3: Growth on Growth17:37 Example 1: Same BD, Similar Benefits27:49 Life Expectancy Ideas29:59 Example 2: Different BD, Different Benefits40:33 Where to Get HelpCheck out our resources at https://TheRetirementNerds.com/Send me a [email protected] Sure to Subscribe to our Channel!YouTube: @theretirementnerds Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/==================================#SocialSecurity #BreakEvenAge #RetirementPlanning #WhenToFileSocialSecurity #SocialSecurityMistakes #RetirementIncome #theretirementnerds Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Are you getting every Social Security benefit you're entitled to?Most retirees only claim one — but there are actually four different types of benefits available depending on your situation.In this video, I sit down with Zacc Call, President of Capita Financial Network, to walk through what I call "The Social Security Menu" — every benefit option available to you in retirement.We cover:🔹 Your own retirement benefit (PIA) — how it's calculated and when to claim🔹 Spousal benefits — what you're entitled to based on your spouse's record🔹 Ex-spousal benefits — the rules most divorced retirees don't know about🔹 Survivor benefits — how this works and why the timing mattersWe break down the percentages, age requirements, filing rules, and common mistakes people make when choosing from the Social Security menu.SOCIAL SECURITY VIDEO SERIES:Episode 1: https://youtu.be/AZfxGBp-Mts📌 Timestamps:0:00 Intro1:53 The Menu2:50 Your Personal Benefit5:58 Spousal Benefits (Currently Married)12:39 Spousal Benefits (Divorced)19:42 Survivor Benefits24:22 Survivor with Remarriage32:29 Disability Benefits33:34 Medicare Implications35:06 More Help👉 Want help with your Social Security and retirement income strategy? Visit https://theretirementnerds.com📺 Subscribe for weekly retirement planning content:https://www.youtube.com/@Theretirementnerds#SocialSecurity #RetirementPlanning #SpousalBenefits #SurvivorBenefits #SocialSecurityBenefits #RetirementIncome #MedicarePlanning #FinancialPlanning #SocialSecurityTips #RetirementNerdsABOUT THIS CHANNEL:The Retirement Nerds simplifies Medicare, Social Security, financial planning, and estate planning so you can make informed decisions heading into retirement. No fluff. No sales pitches. Just the facts.Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/Federal Disclaimer:We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

💵 How is your Social Security benefit calculated? In Part 1 of our 4-part Social Security series, financial expert Zacc Call explains the Primary Insurance Amount (PIA) - the foundation of your Social Security retirement benefit - and reveals proven strategies to increase your monthly payment.Whether you're years away from claiming or approaching retirement, understanding how Social Security calculates your benefit is crucial to maximizing your lifetime income. This video breaks down the complex PIA formula into simple terms and shows you exactly what you can do to boost your monthly check.How to Set Up Your My Social Security Account:https://youtu.be/B5n4OwOoGTYOther Useful Videos:https://youtu.be/KXFqGra9qHIhttps://youtu.be/ZetbFdEqi2Ahttps://youtu.be/NxH2jHzZwFoCheck out our resources at https://TheRetirementNerds.com/Connect with Zacc's Team at Capita:CapitaFinancialNetwork.com=============================Send me a [email protected]==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/============================================================⏰ TIME CODES ⏰0:00 Intro to this Episode1:08 The Calculation of AIME5:50 Bend Points9:42 How to Increase Your Benefits15:41 Working Part Time17:45 Working and Taking SS25:18 My SSA Account Resources26:52 When You File Matters32:00 Medicare Implications35:10 What's On The Menu36:55 Where to Get Help=============================#medicare #theretirementnerds #socialsecurity #retirementnerds #financeFederal Disclaimer:We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

How much does long-term care really cost — and how do you actually prepare for it? In this video, I sit down with Marc Glickman, President of BuddyIns, to break down everything you need to know about long-term care insurance — from how to get it, what it covers, and most importantly, how to actually use it when the time comes.With average long-term care costs running $6,400 per month or more, this is a conversation every retiree and pre-retiree needs to have. Marc shares his expert insight on navigating the process, avoiding common mistakes, and making sure your policy works for you — not against you.Website to get a quote or connect with Marc:https://partner.buddyins.com/retirementnerdsLong Term Care 101 Video: https://youtu.be/ytsdfesv_ukCheck out our resources at https://TheRetirementNerds.com/=============================Send me a [email protected]==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/============================================================⏰ TIME CODES ⏰0:00 Intro0:30 Employer Options3:18 Underwriting4:17 If You Leave Employer5:20 Premium Increases8:20 Under 65 vs Over 6510:30 How to Use a Policy13:20 Where to Get Care16:23 Beware Overinsurance22:15 Gender Implications24:07 Future of Care (Robots?)28:50 Where to get help=============================#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #longtermcareplanning Federal Disclaimer:We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

💰 Considering an annuity for retirement income? Financial expert Zacc Call breaks down everything you need to know about annuities - how they work, the fees involved, pros and cons, and whether they're the right choice for YOUR retirement.If you've been approached by a financial advisor about purchasing an annuity, or you're exploring guaranteed income options for retirement, this interview will give you the honest facts you need to make an informed decision.Get the Annuity Guide shown in the video here:https://theretirementnerds.com/annuity-guide-download/Get the Financial Professionals Guide here:https://theretirementnerds.com/financial-professionals-guide/Financial Professionals Video:https://youtu.be/8uC1lgkZUWEHow to reach Zacc's Team:https://capitafinancialnetwork.com/Zacc's YouTube Channel:https://www.youtube.com/@ZaccMoneyEducation Your Best Financial Year Newsletter:https://www.capitafinancialnetwork.com/your-best-financial-year Check out our resources at https://TheRetirementNerds.com/=============================Send me a [email protected]==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/============================================================⏰ TIME CODES ⏰0:00 Intro0:25 Who should ignore annuities3:27 Who should consider annuities8:20 Different Categories of Annuities9:50 The Pension Annuity22:45 The Bond Imitator Annuity31:08 The Investment Portfolio Annuity42:28 The Downside Protector Annuity54:15 Account Value vs Income Value59:59 The Boxed-In Investor Annuity1:08:48 The Kitchen Sink Annuity1:16:10 How Salespeople are Compensated1:23:57 Deciding on Which1:32:51 Zacc's Plea1:33:33 Where to get help=============================#annuity #annuities #theretirementnerds #retirementnerds #financeDisclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Required Minimum Distributions can be one of the most confusing parts of retirement planning — and getting them wrong can lead to unnecessary taxes, missed opportunities, and costly mistakes.In this video, we discuss:• What Required Minimum Distributions are• When RMDs start• How RMDs are calculated• Common RMD mistakes retirees make• How RMDs affect taxes in retirement• Retirement planning strategies related to RMDsRELATED VIDEOS:https://youtu.be/aiv9eW8tizkhttps://youtu.be/yhT_MkMT2Ochttps://youtu.be/zjrbXScvmDACONNECTING WITH ZACC:Phone: 801-566-5058Email: [email protected]: CapitaFinancialNetwork.comYour Best Financial Year: https://www.capitafinancialnetwork.com/your-best-financial-year Subscribe to The Retirement Nerds for more videos on retirement planning, Medicare, Social Security, taxes, and financial decisions that matter in retirement.Check out our resources at https://TheRetirementNerds.com/=============================Send me a [email protected]==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/============================================================⏰ TIME CODES ⏰0:00 Intro1:16 RMD Definition2:35 Accounts Subject to RMDs3:35 Timelines5:19 How Do They Make You?12:37 Multiple IRAs and 401(k)s18:45 How RMDs Calculated21:50 Who Should Be Aware?28:19 How Scary Are RMDs?30:25 Suzy's Example41:40 Real Example: Paying off Home44:34 Cancer Example47:50 Inheritance Implications49:49 Big Age Gap Between Spouses52:02 Planning for RMDs58:34 Account Growth Outpacing RMDs1:01:10 QCD & DAF Clarifications1:05:14 Final Message About RMDs1:07:19 Question from the Comments1:10:56 Where to Get Help=============================#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #RMDs #requiredminimumdistribution Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Do you know about the two Roth 5-year rules? If you don't, violating them could cost you thousands in penalties and taxes. RELATED VIDEOS:https://youtu.be/RODrPaJ-xNUhttps://youtu.be/9boiPwzOatsZACC'S CHANNEL:https://www.youtube.com/@ZaccMoneyEducationCAPITA FINANCIAL NETWORK LINKS:Email: [email protected]: https://capitafinancialnetwork.com/Your Best Financial Year Program: https://www.capitafinancialnetwork.com/your-best-financial-year✅ Topics covered:• The Forever 5-Year Rule• The 5-Year Penalty Rule• Examples• A framework to help you avoid these issuesCheck out our resources at https://TheRetirementNerds.com/=============================Send me a [email protected]==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/============================================================⏰ TIME CODES ⏰0:00 Intro0:23 The Two 5-Year Rules3:40 Rule #1 - The Forever 5 Year Rule7:59 Rule #2 - 5-Year Conversion Rule9:23 5 Examples9:53 Example 1 - George Dream Car15:06 Example 2 - Susan's Serger18:27 Example 3 - Richard's Cabin25:18 Example 4 - Jared's Urns29:54 Example 5 - Margo's Obsession43:30 Question from Viewer48:22 Where to Get Help=============================#investing #theretirementnerds #roth #rothvstraditional #retirementnerds #finance Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved. Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast. Certain information discussed during this podcast is based upon forward-looking statements, information and opinions, including descriptions of anticipated market changes and expectations of future activity. Capita believes that such statements, information and opinions are based upon reasonable estimates and assumptions. However, forward-looking statements, information and opinions are inherently uncertain and actual events or results may differ materially from those reflected in the forward-looking statements. Therefore, undue reliance should not be placed on such forward-looking statements, information, and opinions. Registration with the SEC does not imply a certain level of skill or training.

Talking to your parents about estate planning can feel uncomfortable… but waiting too long can create confusion, conflict, and costly mistakes.In this episode, Jim Burch talks about how to start the estate planning conversation with your parents — without causing tension or resistance. This conversation is essential for adult children, caregivers, and anyone navigating family financial planning.Contact Jim:[email protected] https://easylegalplanning.com/OTHER ESTATE PLANNING VIDEOS:https://youtu.be/nkFQmsdCW-Ihttps://youtu.be/GlF9z6jyMioSubscribe for more interviews about Medicare, financial planning, estate planning, retirement strategy, and real-life conversations that matter.Check out our resources at https://TheRetirementNerds.com/=============================Send me a [email protected]==========================================================Be Sure to Subscribe to our Channel!=============================YouTube: @theretirementnerds ============================================================Join our newsletter for monthly tips, book recommendations, and personal stories!https://theretirementnerds.com/newsletter/============================================================⏰ TIME CODES ⏰0:00 How to Start The Conversation4:01 What Benefits Can I Present?5:40 The Right People in the Right Seats7:28 Multiple Decision Makers9:37 Emotions vs Logic11:30 Guilt of Decisions12:58 Tips on Starting the Conversation14:35 Other Resources16:23 Where to Get Help=============================#medicare #theretirementnerds #socialsecurity #retirementnerds #finance #estateplanning #estateplan Disclaimer:This is not legal advice. Please consult with an estate planner around your specific situation.