Freedom for Retirement™

Freedom for Retirement™ is the podcast designed to help you move beyond the fear of the complexity of finances so you can be financially free to achieve personal significance. Tune in with Josh Duncan each week to turn fear into fuel that drives you into Freedom & Significance.

Freedom for Retirement™ is a business podcast hosted by Unknown Host, with 51 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Freedom for Retirement™, a business show with 51 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #51

  The Social Security Break-Even Age Is the Wrong Question

  Aug 19, 202615 min

  Download the Social Security Claiming reference sheet: https://drive.google.com/file/d/1s0jIZgcTOkXjTFnqNg18nyHXMFcXfOWs/view?usp=sharing The Social Security break-even calculator points at age 80 and asks whether you'll live that long. The better question is which account funds the wait. Josh Duncan, partner at F5 Financial Planning, walks the claiming window with 2026 numbers: a permanent 30% cut for starting at 62, 124% of your full benefit for waiting until 70, and a $720-a-month raise that costs roughly $108,000 of portfolio withdrawals to buy. He then follows those bridge years into territory the calculators skip, the lowest-income stretch of your retirement, where Roth conversion room opens up and closes for good once RMDs arrive. This episode covers: Why the delayed-credit clock stops at 70 How the 2026 earnings test withholds $1 of benefits for every $2 earned above $24,480 Whether the new $6,000 senior deduction really ends taxes on Social Security What a surviving spouse keeps when the first check stops When waiting backfires The government sets the percentages. Everything after that is yours to plan. Roth conversions video: https://www.youtube.com/watch?v=Y7suIjH8-Rk Which account to spend first video: https://www.youtube.com/watch?v=bz2mS1dYbtE When the first spouse dies video: https://www.youtube.com/watch?v=sALn8Wy3cgI Work with us at https://www.f5fp.com About F5 Financial Planning: At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida. At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most. Visit https://www.f5fp.com to learn more about our services and planning process. ***** Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice. Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

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  Episode #50

  Your Kids Can’t Stretch Your IRA Anymore

  Aug 12, 202614 min

  Download the beneficiary payout reference sheet: https://drive.google.com/file/d/1s1jxjM2eclB-_ueHo0P9qMIoTOYLQtQk/view?usp=sharing The stretch IRA is gone. The 10-year rule forces heirs to empty an inherited IRA on a hard deadline, and many owe a distribution every single year. Josh Duncan, partner at F5 Financial Planning, walks through the IRS final regulations of 2024, the penalty relief that expired with them, and the 25% excise tax now waiting for heirs who work from the old understanding. Getting it wrong costs twice: once on the tax rate, once on a penalty most beneficiaries have never heard of. This episode covers: Who still qualifies for a lifetime payout instead of 10 years Why a grandchild never qualifies for the minor-child exception How two sisters inheriting $500,000 each end with different tax bills What a Roth conversion changes for the child who inherits it Whether naming beneficiaries account by account beats an even split A retirement account that’s efficient for you and expensive for your children hasn’t finished doing its job. Watch our video on Roth conversions next: https://www.youtube.com/watch?v=Y7suIjH8-Rk Work with us at https://www.f5fp.com About F5 Financial Planning: At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida. At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most. Visit https://www.f5fp.com to learn more about our services and planning process. ***** Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice. Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

  ListenShow Notes
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  Episode #49

  The Medicare Surcharge You Triggered Two Years Ago

  Aug 5, 202614 min

  Download the IRMAA reference sheet: https://drive.google.com/file/d/1JbeJlcFiITCE7_jowwL_h2kdLDLAO6tZ/view?usp=share_link IRMAA is the income test that decides what you pay for Medicare Part B and prescription drug coverage, and it reads a tax return you filed two years ago. A conversion that fits perfectly inside a tax bracket can still land above an IRMAA threshold, because the two sets of numbers sit at completely different income levels. People who did everything right still open a letter two years later asking what they did wrong. Usually the answer is nothing. This episode covers: How the five surcharge tiers are calculated on top of the 2026 standard Part B premium of $202.90 Which tax year Social Security actually reads, and why enrolling at 65 puts the income you earned at 63 on the bill What counts as modified adjusted gross income here, including the tax exempt interest that municipal bonds do not shield Why crossing a threshold by a single dollar moves the entire surcharge to the next tier with no phase in and no partial credit When Form SSA-44 lets you request a new determination after retirement, reduced hours, or another qualifying life changing event How qualified charitable distributions after 70½ satisfy a required minimum distribution without ever entering the calculation Where the correction and reconsideration process applies when Social Security used the wrong return Every one of these figures is indexed and moves each year, so the thresholds worth planning against are this year’s rather than the ones you looked at last time. More on required minimum distributions and QCDs: https://www.youtube.com/watch?v=5KPGAeO5sO4 Fill out IRS Form SSA-44 today: https://www.ssa.gov/forms/ssa-44.pdf Work with us at https://www.f5fp.com About F5 Financial Planning: At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida. At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most. Visit https://www.f5fp.com to learn more about our services and planning process. ***** Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice. Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

  ListenShow Notes
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  Episode #48

  Trump Accounts Explained: Not Just For Babies

  Jul 29, 202611 min

  Trump Accounts are not just for babies. Josh Duncan opened one for his fifteen-year-old, who will never see a dollar of the government’s seed money. That seed money reaches only children born between 2025 and 2028. The account itself runs on a different rule entirely. Any U.S. citizen child under 18 with a Social Security number qualifies, nothing is means tested, and no income limit phases a family out. Which of those two rules a parent hears first usually decides whether they ever look into it. This episode covers: What a Trump Account actually is How to open one How much can be contributed into one account per year What the money in a Trump Account can be invested into Why this differs from a UTMA or a 529 plan What happens to a Trump Account when you child turns 18 The government’s $1,000 was never the important number. The decision your child makes at eighteen is the one that matters most. Work with us at https://www.f5fp.com About F5 Financial Planning: At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida. At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most. Visit https://www.f5fp.com to learn more about our services and planning process. ***** Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice. Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

  ListenShow Notes
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  Episode #47

  Required Minimum Distributions (RMDs): Plan Ahead, Pay Less

  Jul 22, 202614 min

  Your required minimum distribution isn't one fixed age or one fixed amount. It depends on the year you were born, the accounts you hold, and the moves you make in the years before it ever begins. Handled late, an RMD can push you into a higher tax bracket and raise your Medicare premiums two years later. Handled early, it's a number you've already managed down. Josh Duncan, Partner at F5 Financial Planning, walks through the difference. This episode covers: Why your birth year, not a single fixed number, sets the age your RMDs begin How the first-year option to delay until April 1 can stack two distributions onto one tax return What a missed or short RMD costs, and how Form 5329 can reduce or waive the penalty When a Roth conversion in a lower-income year permanently removes dollars from your future RMD Whether a qualified charitable distribution can satisfy your RMD without adding to your taxable income Plan for RMDs a few years ahead and they become one more line item you've already accounted for, instead of a bill that shows up unannounced. More on Roth conversions: https://www.youtube.com/watch?v=Y7suIjH8-Rk Work with us at https://www.f5fp.com About F5 Financial Planning: At F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida. At F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most. Visit https://www.f5fp.com to learn more about our services and planning process. ***** Advisory services are offered through F5 Financial Planning, LLC, an SEC-registered investment adviser. This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice. Viewing these videos does not create an advisory relationship with F5 Financial. All investments involve risk, including possible loss of principal. For guidance specific to your situation, please consult a qualified professional.

  ListenShow Notes

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