Videos

Can You Convert an Inherited an IRA to a Roth?

Inheriting a traditional IRA can feel like a financial windfall, but it can also come with complicated tax rules and important decisions.

Can you convert an inherited traditional IRA to a Roth IRA? The answer depends on your relationship to the original account owner, and making the wrong move could create an unexpected tax bill.

In this interview, JB with Beckett Financial Group and Erin Kennedy break down:

– What surviving spouses need to know about Roth conversions
– Why non-spouse beneficiaries face different rules
– How the SECURE Act’s 10-year rule impacts inherited IRAs
– Key tax considerations before taking withdrawals
– What beneficiaries should think about before making any changes

If you’ve inherited an IRA, or if you may inherit one in the future, JB can help you understand all your options. To learn what you need to know before making your next move, please call (803) 939-4848 or visit www.BeckettFinancialGroup.com

#InheritedIRA #RothIRA #RetirementPlanning #RetirementIncome #IRA #TaxPlanning #FinancialPlanning #SECUREAct #WealthManagement #RetirementStrategy

Are Bonds Still the Best Way to Manage Risk?

For decades, bonds have been the go-to investment for managing risk. But is that still true in today’s market?

With inflation remaining elevated and interest rates potentially moving higher, many investors are asking whether the traditional 60/40 portfolio is enough.

In this interview, JB with Beckett Financial Group and Erin Kennedy discuss:

– Why bonds may not provide the same stability they once did
– What 2022 taught investors about diversification
– How fixed indexed annuities, structured notes, and buffered ETFs may fit into a risk management strategy
– The questions to ask before making changes to your portfolio

Every investor’s goals and risk tolerance are different, which is why it’s important to understand all of your options before making investment decisions.

To learn more about how to balance growth, income, and protection in today’s market, give JB a call at (803) 939-4848 or visit www.BeckettFinancialGroup.com

#Investing #MarketOutlook #PortfolioManagement #RiskManagement #FinancialPlanning #RetirementPlanning #WealthManagement

7 Retirement Myths… BUSTED!

When it comes to retirement planning, some of the biggest mistakes aren’t caused by market volatility… they’re caused by assumptions that sound true, but aren’t always. To make sure you’re not surprised, JB with Beckett Financial Group and Erin Kennedy break down these myths:

– Will Social Security really disappear?
– Can you skip long-term care planning if you want to stay home?
– Will Medicaid or Medicare cover all your long-term care costs?
– Do investment returns stop mattering once you retire?
– Should you avoid spending your principal?
– Will your taxes automatically be lower in retirement?
– And do you really need to hit a magic number like $1 million before you can retire?

In this interview, we’re separating retirement fact from fiction and breaking down what these myths could mean for your financial plan. To create a retirement plan based on facts, not myths, please call JB at (803) 939-4848 or visit www.BeckettFinancialGroup.com

#RetirementPlanning #Retirement #FinancialPlanning #RetirementMyths #SocialSecurity #LongTermCare #Investing #RetirementIncome #TaxPlanning #WealthManagement #FinancialAdvisor #RetirementReady

Nearing retirement? You’re in the retirement red zone… and every decision counts.

The good news? A smart strategy now can make a BIG difference later. In this video, JB with Beckett Financial Group and Erin Kennedy lay out your 4-step action plan to retire with confidence:

– Max out tax-advantaged accounts (don’t forget catch-up contributions!)
– Open & fully fund an IRA — and consider going Roth for tax-free growth
-Leverage HSAs (triple tax advantage + future healthcare funding!)
– Understand RMDs — because taxes in retirement may NOT be lower

BONUS: Work with a financial advisor to tie it all together and avoid costly missteps.

Your future income, taxes, and lifestyle depend on the moves you make today. To put together your unique action plan, please call JB at (803) 939-4848 or visit www.BeckettFinancialGroup.com

Act now to get ahead of the curve.

#RetirementPlanning #FinancialFreedom #WealthStrategy #TaxPlanning #RetirementReady #InvestSmart #FinancialAdvisor #MoneyMoves #RothIRA #HSA #RMD

Retirement readiness isn’t just about how much you’ve saved… it’s about how you want to live.

In this conversation, JB with Beckett Financial Group and Erin Kennedy break down a simple, 5-step checklist to help you prepare for your next chapter:

– Define what retirement actually looks like for you
– Take stock of your financial and personal assets
– Prioritize your health (it affects more than you think)
– Build a realistic retirement budget
– Decide when to claim Social Security

The earlier you start planning, the more freedom you have to actually achieve your goals. If you’d like to talk with JB to start building a retirement plan that aligns with your life, not just your balance sheet, feel free to give him a call at (803) 939-4848 or visit www.BeckettFinancialGroup.com

#RetirementPlanning #FinancialFreedom #RetirementReady #WealthManagement #SocialSecurity #FinancialPlanning #FutureYou

Should You Tap Your Retirement Savings to Pay off Your Mortgage?

Thinking about paying off your mortgage before retirement? Not so fast…
Going into retirement debt-free sounds like the dream, but should you tap your retirement savings to make it happen?

In this interview, JB with Beckett Financial Group and Erin Kennedy break it down:
– When it does make sense to pay off your mortgage
– How to balance the numbers vs. peace of mind
– Why pulling from retirement accounts could backfire
– The hidden risks: taxes, reduced liquidity, and even higher Medicare premiums

Bottom line: A paid-off house feels great… but the strategy behind it matters even more. Before you write that final check, give JB a call at (803) 939-4848 or visit www.BeckettFinancialGroup.com

#RetirementPlanning #MortgagePayoff #FinancialAdvice #RetirementStrategy #WealthManagement #PersonalFinance #RetirementReady #FinancialFreedom #MoneyMatters #MedicarePlanning

Retirement Spending Peaks Earlier Than You Think

Here’s a number that should change how you think about retirement: 12.

That’s about how long a healthy 60-year-old has before mobility, energy, and independence begin to decline.

Let that sink in.

Too many financial plans are built around steady, flat income over 25–30 years. But real life doesn’t work that way.

As JB with Beckett Financial Group explains to Erin Kennedy, spending tends to follow a pattern:

– “Go-Go” years: Travel, experiences, living fully
– “Slow-Go” years: Less activity, more time at home
– “No-Go” years: Healthcare and essentials take priority

In fact, research shows spending on travel and leisure often peaks around age 75, then declines… not because the money is gone, but because the ability to enjoy it changes.

And here’s the challenge:
Most people are wired to save and be cautious… so they underspend in the years that matter most.

The takeaway:
Retirement planning isn’t just about how much you save… it’s about when you spend it.
To create a retirement plan and spending plan that supports the life you actually want to live, please give JB a call at (803) 939-4848 or visit www.BeckettFinancialGroup.com

#RetirementPlanning #FinancialPlanning #RetirementLifestyle #WealthManagement #GoGoYears #SmartSpending #RetirementIncome #FinancialFreedom #AdvisorInsights

A shocking stat from Think Advisor:

– 42% of heirs lose their inheritance within just ONE year.
The average amount?
$133,000 — gone.

So what’s really going on here? And more importantly… how can families avoid it?
In this interview, JB with Beckett Financial Group and Erin Kennedy break down:

• Why inheritances are spent faster than other financial windfalls
• The biggest mistakes families make when passing down wealth
• Smart strategies to help ensure your legacy actually lasts

Receiving an inheritance often comes with more than just financial decisions… it can carry real emotional weight. The best way to protect your family and make thoughtful choices is to have a plan in place ahead of time. Connect with JB at 803-939-4848 or visit www.BeckettFinancialGroup.com to
start building a strategy that supports your family’s future.

#WealthTransfer #EstatePlanning #FinancialPlanning #LegacyPlanning #Inheritance
#MoneyMistakes #FinancialAdvisor

A growing number of Americans are heading back to work after retiring… not by choice, but by necessity.

A new survey from AARP found that 7% of retirees re-entered the workforce in the past six months, up from 6% in summer 2025. The biggest reason? The rising cost of living.

In fact, as JB with Beckett Financial Group and Erin Kennedy discuss:
– 48% say they returned to work because they need the money or feel uncertain about the economy

– 41% say everyday living costs are the biggest financial pressure

– 67% believe it would be difficult to find a new job today

This trend, sometimes called “unretiring,” highlights an important reality: retirement planning isn’t just about saving enough… it’s about building a plan that can withstand inflation, market volatility, and unexpected expenses.

In this interview, we break down:
– Why more retirees are returning to work
– How inflation can quietly undermine retirement plans
– The risk of assuming you can always go back to work
– Strategies to stress-test a retirement income plan

Planning ahead can help ensure retirement remains a choice — not a financial necessity. To stress test your retirement income plan, please call JB at 803-939-4848 or visit
www.BeckettFinancialGroup.com

#RetirementPlanning #FinancialPlanning #RetirementIncome #Inflation #Unretirement
#CostOfLiving #FinancialAdvisor #RetirementStrategy

It sounds like a smart move: claim your Social Security early, invest the checks, and get ahead. But for many high earners, that strategy can backfire… and cost far more than expected. As JB with Beckett Financial Group and Erin Kennedy discuss, claiming early and investing the benefit isn’t as simple as it sounds.

We also break down:
• How the Social Security earnings test can wipe out your benefit while you’re still working
• The true cost of claiming at 62 vs. waiting until full retirement age, or even 70
• The often-overlooked impact on your spouse, especially survivor benefits

Bottom line: Timing when you claim Social Security isn’t just about getting paid sooner, it’s about maximizing income, protecting your spouse, and avoiding costly mistakes. It’s one of the most important decisions you will make in retirement, and it’s something JB specializes in. To determine when you should claim, call 803-939-4848 or visit www.BeckettFinancialGroup.com

#SocialSecurity #RetirementPlanning #FinancialPlanning #WealthManagement
#RetirementIncome #PersonalFinance #Investing #FinancialAdvisor