Sam Rodriguez, CFP®

Financial Planner | Let’s Chat
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Securities offered through LPL Financial, Member SIPC

[Sam Rodriguez, CFP® @MoneyWithSam]

By Q4, most of your tax bracket is already decided. The number that unlocks your year-end planning is closer than you think. #TaxPlanning #YearEndPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Most people ask whether to do a Roth conversion. Far fewer ask how much, and that is the question that actually determines what you pay. #RothConversion #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

The right Roth question isn't "should I convert?" It's "has anything changed since I last checked?" 💡 Five minutes could change your whole answer. #RothConversion #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Writing a check to charity might cost you more in taxes than it needs to. Two year-end giving strategies most people overlook. #TaxPlanning #CharitableGiving

[Sam Rodriguez, CFP® @MoneyWithSam]

No straight answer on Roth conversions? That is by design. 4 factors point in completely different directions depending on your situation. #RothConversion #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Before tax brackets. Before amounts. One question should come first in any Roth conversion decision. #RothConversion #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

A Roth conversion isn't one decision. It's three, and most people only think about one of them. 🧵
#TaxPlanning #RothConversion

[Sam Rodriguez, CFP® @MoneyWithSam]

Roth conversions: not a yes-or-no question. Three factors decide whether it actually makes sense for you. #RothConversion #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Your heirs have 10 years to empty what they inherit. Whether it's tax-free or fully taxable depends on one decision you make now. #EstatePlanning #InheritedIRA

[Sam Rodriguez, CFP® @MoneyWithSam]

Same income. Higher tax bill. Here's the bracket shift most couples never plan for. #taxplanning #retirement

[Sam Rodriguez, CFP® @MoneyWithSam]

a lot retirement anxiety has nothing to do with running out of money.

It's about losing independence. Here's what actually helps. #RetirementPlanning #PersonalFinance

[Sam Rodriguez, CFP® @MoneyWithSam]

Many retirees inherit their tax situation. The ones who plan it have a significant advantage. #TaxPlanning #Retirement

[Sam Rodriguez, CFP® @MoneyWithSam]

The order you tap your retirement accounts could matter as much as how much you saved. Many people have never planned for this. #RetirementPlanning #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Finances handled. House paid off. Calendar full. Still feels like something is missing.

Your career gave you purpose for decades. Retirement replaced the schedule. It didn't replace that.

#RetirementPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Up to 85% of your Social Security can be taxed, but where you pull income from may change that. The account structure you have now could matter more than you realize. #SocialSecurity #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Many people assume Social Security is tax-free. Up to 85% can be taxed, using thresholds that haven't changed since 1984. The math may surprise you. #SocialSecurity #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

The plan says you're fine. The numbers check out. So why does the anxiety keep coming back?

It's usually not a financial problem. Here's what it actually is. #RetirementPlanning #MoneyAnxiety

[Sam Rodriguez, CFP® @MoneyWithSam]

At 73, the IRS forces withdrawals from your retirement accounts, taxed as ordinary income, whether you need the money or not.

And that one number can trigger higher Social Security taxes and steeper Medicare premiums.

#RMDs #RetirementPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

There's a narrow tax window between retirement and Social Security where Roth conversions make the most sense. Most people miss it entirely. #RothConversion #TaxPlanning

[Sam Rodriguez, CFP® @MoneyWithSam]

Your 401(k) has never been taxed. At 73, the IRS stops waiting.

Retirement taxes can hit harder than most people expect. Here is why. #TaxPlanning #Retirement