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Mark Struthers

Understanding Real Estate Investing: The Significance of a 1031 Exchange into a DST

Understanding Real Estate Investing: The Significance of a 1031 Exchange into a DST   If you own real estate as an investment property, at some point, you may have considered selling your asset and replacing it with another property for any of several reasons. Typically, investors who do this often consider a 1031 exchange. This …

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529 Plans and SECURE 2.0: More Flexibility

529 Plans and SECURE 2.0: More Flexibility   The cost of college has skyrocketed, and it raises the question of whether the cost/benefit assumptions of a college education should be revisited. The Federal Reserve did just that, with a web feature called “The Labor Market for Recent College Graduates.” This is an interactive, consistently updated …

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3 Ways To Get A High ROM – A Return On Your Memories

https://www.youtube.com/watch?v=fysOehZkpT8 Summary & Disclosure Key Themes: ROM (Return on Memories) Key Themes: 1. **Return on Memories (ROM):** Struthers introduces ROM as a concept parallel to financial returns but focused on the value derived from experiences and memories. 2. **Investment Analogies:** Use of financial terminology like ROI, dividends, and returns to draw parallels between financial investments …

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TCJA Sunset Follow-Up – Gifting – Thoughts From The IWI Conf

https://youtu.be/y_-_kBtK7CE Mark Struthers, a Certified Retirement Counselor, hosts the Healthy and Wealthy Retirement YouTube channel, focusing on holistic aspects of retirement beyond finances, including social, physical, and emotional wellbeing. In a recent video, he discusses the impending expiration of the Tax Cuts and Jobs Act (TCJA), set for 2026, and the impact of its sunsetting …

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Keystone Activities and Their Role In A Happy Retirement

https://youtu.be/ghC-S8N2P60 Bullet Point Summary: – The episode discusses relocating to low-income tax states, a trend that was seen among people moving from high-tax states like New York and Minnesota to states like Florida and Texas for tax benefits and warmer weather. – Total tax burden should be considered, including local and state taxes, as well …

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Using A Mega Backdoor Roth For A Wealthier Retirement

https://youtu.be/mGi6mQzzNCo Today’s topic is the Mega Backdoor Roth, a strategic approach to retirement savings that shouldn’t be confused with a traditional Backdoor Roth IRA. This strategy involves utilizing the 401(k) plan to make after-tax contributions beyond the standard employee contribution limits, assuming one has substantial income. Roth assets are taxed going in but can be …

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Things To Know If Moving To A Low Income Tax State For Retirement

https://youtu.be/w6xLmPRi5YU Things To Know If Moving To A Low-Income Tax State For Retirement He advises viewers to look beyond income tax rates and assess the total tax burden, including local and state taxes, and whether the new state taxes Social Security. Property taxes should be reviewed for their potential impact on cost savings, while home …

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The Basics & Issues of The 3 Bucket Retirement

https://youtu.be/zG_zMsmXhNw Today’s discussion focuses on the “bucket strategy” for allocating retirement funds, which helps manage risk by separating assets into different categories based on time or spending types. The first bucket strategy divides assets into three categories: the first bucket holds low-risk, easily accessible assets like T-bills and money market funds to cover immediate expenses …

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