The focus today is going to be on taxes. You have more control over your taxes than you think. A big portion of my practice is centered around taxes and being tax smart. This does not mean doing anything illegal or even questionable. It simply means taking advantage of opportunities to not tip Uncle Sam and we do this through a variety of ways to reduce taxes. Now, this time of year, I'm asking all my clients to send me their completed tax returns. I don't do taxes, not even my own. However, I get into the returns to make sure everything is in order and more importantly to do planning for the current and even future years, and now is the time to be looking at taxes not waiting until the end of the year.

• Marginal tax rates [2:20]
• Taxation of dividends and bracketology [5:16]
• The differences between qualified and ordinary dividends [7:44]
• Sun setting of current tax rates [9:52]
• Will taxes will be lower now or down the road in retirement [13:54]
• This week’s FLASHBACK [15:22] 

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We've seen the market give up quite a bit of gains this year. Maybe after the last decade plus of great years we’ve forgotten that the market can go down. Who knows if we will end the year negative, but right now, things are looking good for those accumulating assets. Not so much for those in retirement or nearing retirement. Regardless, I want to spend a few minutes talking about something I deal with a lot...concentration risk. The emphasis in this episode will be ways to reduce your concentration risk for times like these with down markets and extreme volatility. 

• Defining what concentration risk is [1:06]
• Stop limit orders [4:07]
• Looking at charitable giving [6:21]
• Filling up tax brackets [8:02]
• ESPP is a quick way to stop accumulation risk [9:27]
• Be aware of the big picture [11:19]
• This week’s FLASHBACK [13:47] 

• https://forwardthinkingwm.com 
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In today's episode, I want to talk about a bucket retirement strategy I use with my clients. No, I'm not talking about pickle buckets, which I promise I will explain at the end. We've seen some serious volatility this year in the market. We haven't seen this sort of swing in roughly 15 years. If you're looking too closely at your investments this year, you know we have had volatility all the way through. Most of the cause before was due to inflation and unknowns about the interest rate changes. Things like the invasion of Ukraine certainly have not helped either. Lucily the concept I want to discuss today isn't affected by volatility, at least in the short term. The bucket concept is simple. However, the execution is more complex. Join me to learn more about it.

• Bucket concept in a nutshell [1:26]
• Bucket #1 [2:47]
• Bucket #2 [3:03]
• Bucket #3 [3:42]
• When in retirement will you use each bucket? [5:41]
• The pickle bucket story I promised [8:42]
• This week’s FLASHBACK [9:42] 

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