More than Money

Gene answers questions: He asks if there is a way to ‘defer’ excess capital gains on the sale of their home? They are asking what resources are available to guide them in the sale of their business? He asks what the guidelines are for the new ‘Super’ Catch-Up provisions for a 401(k)? He asks if he should take back stock he gave to his daughter?  And we are still feeling very, very blessed Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email

Gene and Alyssa answer questions: What would you do if you won a $1.2 Billion lottery? He has been disabled for 18 years.  Will his wife be able to retire. They have nearly all their investments in one stock.  Is this a tax nightmare? What online trading platform do we recommend?  And we are still feeling very, very blessed Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

Gene and Alyssa answer questions: How can they protect the family home from Medicaid and keep it in the family? Why would a union require its members to report side jobs?  There may be a good reason. What are the 5 year rules for Roth IRAs and how do they work? Should they take out a home equity loan or take the money from their IRAs?  And we are still feeling very, very blessed Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@Ask

Gene and Alyssa answer questions: Should they pay off their son’s mortgage? Can they send their RMDs to their niece without taxes? He has 70 stock positions and wants to make things simpler for his heirs? He wants to know the capital gains rate on selling silver coins?  And we are still feeling very, very blessed Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

Gene and Alyssa answer only a few questions.  Mostly they spent two hours: Greeting people Hugging people Thanking people Holding babies And feeling very, very blessed Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.

Gene and Alyssa answer buckets o’ questions: She asks if her trust should be the beneficiary of her IRAs? He reports that the interest on his I-Bonds has dropped dramatically.  Should he go? She received a $4 million settlement and wants to know how to avoid ‘blowing it’? He asks if he can loan his daughter funds to pay off her mortgage and how best to do that? Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMt

Gene and Alyssa answer buckets o’ questions: He asks best way to sell his father’s home and invest for long term care and security? His previous financial company has not released his funds and it’s 3 months.  What now? He wants to know if working part-time will increase his social security benefits? He wants to know the mechanics of moving money from a 529 to a Roth IRA? Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email

Gene and Alyssa answer buckets o’ questions: He asks how investment management fees are calculated and what they cover? They are moving from PA to NC and wonder if there are tax strategies to save on state taxes? He moved 50% of his account into gold.  Now he asks if that is a good idea? She wonders if it is necessary to change her investments every 90 days? Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMtM.c

Post-Election Day, what happened to the stock market, and what did the Federal Reserve do? Your host Alyssa Young recaps these events and talks about myriad other topics, including: Get the new IRA and 401k contribution limits for 2025. If you’re considering becoming an MtM tax client for your 2024 return, get on the list now. Learn what info we need. What happens to benefits if the Social Security trust fund is depleted? Should you take the 2024 RMD from an IRA inherited after 2020, even though the penalty is waived again this year? How much interest are I bonds paying these days? A personal finance columnist with a terminal illness reminds us to straighten up our affairs to help our survivors. A study says Generation X women have saved only 5% of what they think they need to retire. Also during the Nov. 9 show, Alyssa answers listeners’ questions: Will lottery winnings increase my health insurance premiums? Which accounts should go to family vs. charities? How are assets

Gene and Alyssa answer buckets o’ questions: She asks if she needs a power of attorney to act for her husband? He offers up some suggestions for buying gold and silver in an IRA?  MtM does not endorse his ideas Gene gets snarky with ‘expert’ who says some clients are not ‘profitable’.  Gene says he is very wrong. Their accountant says tax treatment makes Gene’s investment a bad idea.  He is very, very wrong. Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? 

Social Security & Medicare specialist Mark Bacak joins your host Alyssa Young to describe changes to Social Security and Medicare effective in 2025. If you have an Advantage plan or Part D drug plan, learn what you need to do before the open enrollment period ends Dec. 7. MtM financial advisor Chad Rupprecht phones in to help people put their anxiety into perspective about how the presidential election will affect the economy and their investments. Also during the Oct. 26 show: Alyssa shares highlights and tips about debt management from Dave Ramsey’s appearance on the Tucker Carlson podcast. Get the new tax brackets, deductions and gift & estate tax exemptions for 2025. Alyssa answers listeners’ questions: What are my options to give money to my granddaughter? What is the process for avoiding taxes when using pre-tax retirement funds for tithing? Can my wife and I combine our IRAs for convenience? Does it matter which 529 plan I use for my grandchild who lives in another sta

Gene and Alyssa answer buckets o’ questions: He asks what we use in our investment portfolios in place of bonds? They have old 401(k)s that give them heart burn at RMD time.  What should they do? If IRA profits are taxed at ordinary income tax rates instead of capital gains rates why should we do them? She asked us to review our ‘RMD Elimination Strategy’.  Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMtM.co

Gene and Alyssa answer buckets o’ questions: He wants to know if they should be using a Robo-Advisor? She asks why we don’t name names when discussing protective investments? They want to know if there is a geographical limit to MtM’s accepting clients?  (No!) She is 72, retired, and bored!  “No one will hire me”  What should she do?  Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your tim

Reverse mortgage specialist Tiffany Shutta joins your host Alyssa Young to debunk six common misconceptions about reverse mortgages. Learn the realities about how this government loan works in the last segment of the Oct. 5 broadcast. Earlier in the show, Alyssa covers myriad topics and answers several listeners’ questions via phone and email: We’re grateful our clients were safe from Hurricane Helene! Seven things the upper middle class can’t afford anymore, according to a Yahoo! Finance article End-of-year tax tips it’s not too late to use: Did you take your RMD? Should you use it to fund a Roth conversion? Would QCDs now lower your tax liability later? Do you need to make estimated payments? Investment ideas when interest rates fall Is a trust still necessary under today’s estate tax laws? What’s the best way to be on Mom’s bank accounts? Ladies, don’t forget to sign up for Invest in You: Art, Bark & Meow on Oct. 29! You can get answers to your own questions and enjoy one-o

Gene and Alyssa answer buckets o’ questions: She wants to know why Fidelity is preventing her from getting good advice on her 401(k)? He wants to know the income tax treatment on Roth IRA contributions and earnings? They want to know if it is wise to finance the construction of their new home with an asset pledged line? Her deceased father’s advisor told her a fib.  What can she do with her inherited IRA?  Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? 

Gene and Alyssa answer buckets o’ questions: Their kids live less than an hour from the MtM World Headquarters.  Should they make the trip? Did this financial advisor have $10 Billion of assets or $11.5 trillion? If your advisor is only licensed to sell insurance and annuities is he/she really a financial advisor? He is 70 and starting his social security.  She is 64.  How do they calculate her spousal benefits?  Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?&nb

Gene and Alyssa answer buckets o’ questions: He is 75 and asks how to invest $500,000? He will be turning 65 shortly and is confused about Medicare options.  How does he know what to do? Her friend is retiring in 8 months.  What should she be doing now? She asks about setting up the correct beneficiaries to protect her children and grandchildren?  Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007) or email (Gene@AskMtM.com) to sche

Gene and Alyssa answer buckets o’ questions: She asks what happens if a child passes before a parent, but is still named in the will? He is 81 and wonders how to invest $275,000? He is 70 and asks if he should move his investments out of the stock market until things ‘settle down’? He is asking where he can get information about retiring to a country outside of the United States?  Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor?  Call today (610-746-7007)

Gene and Alyssa answer buckets o’ questions: He turns 70 on October 12th.  What is his best way to apply for social security? He is 81 and has always handled the family finances.  Can we help give his wife peace of mind? She has $100,000 in short term bonds for her three sons.  Should they stay there or is there a better investment? She is hoping someone can guide her 17 year old, hard-working son with his financial future.  Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money