The Best Retirement Investment Account! It’s not What You Think.

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https://youtu.be/UEjVSBxpeZg

Most financial advisors push 401k and IRA contributions, but Brian Muller, founder of Momentous Wealth Advisors, reveals why taxable investment accounts might be your most powerful retirement wealth-building tool. Discover the three wealth decision principles that could add six figures to your retirement nest egg.

Key Topics Covered:

• Why taxable investment accounts beat traditional retirement accounts for many investors

• Tax loss harvesting strategies you can’t use in 401k/IRA accounts

• How to create tax diversification in retirement planning

• Estate planning advantages of taxable accounts with stepped-up basis

• Required minimum distribution problems and solutions

• Tax-efficient investment strategies for taxable accounts

• Long-term capital gains vs ordinary income tax optimization

• Retirement withdrawal strategies using multiple account types

00:00 Introduction: The Overlooked Retirement Account

00:19 Meet Brian: Your Wealth Advisor

00:33 The Secret Weapon for Retirement Wealth

01:02 Challenging Conventional Wisdom

01:53 The Power of Taxable Investment Accounts

02:26 Wealth Decision Principle #1: Tax Flexibility

03:12 Advantages of Taxable Investment Accounts

04:22 Real World Example: Tom and Kim

05:26 Wealth Decision Principle #2: Offsetting Gains with Losses

06:22 Estate Planning Advantages

07:39 Wealth Decision Principle #3: Tax-Free Inheritance

09:09 Actionable Strategies for Taxable Investment Accounts

11:50 Conclusion: Start Building Your Taxable Investment Account

12:23 Final Thoughts and Next Steps

#RetirementPlanning #TaxableAccounts #WealthBuilding #RetirementInvesting #TaxDiversification #FinancialPlanning #InvestmentStrategy #RetirementSavings #TaxLossHarvesting #estateplanning

To learn about my P.R.U.D.E.N.T Process for picking stocks, go to:

https://www.momentouswealthadvisors.com/stock-investing

Pre-order my new book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:

https://www.momentouswealthadvisors.com/book

To schedule a Discovery Call go to:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.momentouswealthadvisors.com/contact⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brian D Muller(AAMS©), Founder, Wealth Advisor

XYPN Invest Disclaimer:

Brian Muller is an Investment Adviser Representative of XYPN Invest, an SEC-registered investment advisory firm doing business as Momentous Wealth Advisors. This podcast is not published on behalf of XYPN Invest, and the views expressed herein are solely those of Brian Muller.

Podcast Disclaimer:

The Wealth Decisions Podcast is provided solely for general information purposes and should not be construed as accounting, legal, tax, or any other professional advice. Visitors are advised not to act upon the information or content found here without first seeking appropriate guidance from a qualified accountant, financial planner, lawyer, or other relevant professional. Any hypothetical performance is just that, and there is no guarantee that you will receive a specific average rate of return in any examples in this podcast.

Please note that any federal tax advice is not intended to be used to avoid penalties under the Internal Revenue Code or to promote, market, or recommend any transaction or matter addressed herein. It is important to ensure compliance with the requirements imposed by the IRS and Circular 230.

We strive to ensure that the content published on the Wealth Decisions Podcast is accurate and up-to-date. However, we cannot guarantee the accuracy, timeliness, or relevance of any of the information provided. We are not...

Mark’s $2.25M Balanced Wealth Decisions Plan: Living Rich While Building Legacy Wealth

Balanced optimization: Mark’s $2.25M more + $275K lifestyle spending

What happens when you optimize your workplace retirement plan to its maximum potential? In this ultimate optimization episode, Brian Muller reveals how Mark’s decision to switch to Roth 401k contributions at age 55, maximize catch-up contributions, and coordinate with strategic conversions created a $3.3 million family wealth advantage.

Brian demonstrates the ultimate balanced approach: how Mark’s decision to switch to Roth 401k contributions at 55 (then back to traditional at 64-65 for IRMAA avoidance), combined with strategic conversions and $275,000 in lifestyle spending on travel and family support, created a $2.25 million family wealth advantage while living richly throughout retirement.

This episode proves that optimal retirement planning isn’t about maximizing every dollar—it’s about balancing wealth accumulation with life enjoyment. Discover how to optimize workplace retirement plans while budgeting for travel, family support, and memory-making experiences that create lasting value beyond financial returns.

Key Strategies Covered:

• IRMAA-smart Roth 401k timing (switching back to traditional before Medicare)

• Balanced lifestyle spending vs wealth accumulation strategies

• Travel and family support budgeting within retirement optimization

• Strategic workplace contribution type changes for penalty avoidance

• Roth 401k optimization with catch-up contributions (8 years vs 10)

• Traditional 401k strategy for IRMAA avoidance in final working years

• Multi-bucket wealth coordination with lifestyle balance priorities

• Living richly while building legacy wealth simultaneously

• Memory-making investments vs financial investment balance

• Professional lifestyle-integrated financial planning strategies

From workplace optimization to lifestyle balance, this episode showcases how strategic financial planning can create both substantial family wealth and rich life experiences—proving you don’t have to choose between living well today and leaving a legacy tomorrow.

#BalancedWealth #Roth401k #LifestylePlanning #RetirementBalance #IRMAAAvoidance #TravelFunding #FamilySupport #WealthAndLife #RetirementOptimization #LegacyAndLiving

Should You Pay Off Your Mortgage or Invest? The $180K Retirement Mistake

This episode of Wealth Decisions reveals the counterintuitive mortgage strategy wealthy retirees use that most financial advisors won’t tell you. Brian Muller, founder of Momentous Wealth Advisors with 25 years of experience, breaks down the math, psychology, and real-world implications of keeping your mortgage versus paying it off before retirement.

What You’ll Learn:

• The 7-question framework to help make this important wealth decision

• Why liquidity beats net worth in retirement planning

• The psychological trap that costs retirees $180,000 on average

• Three actionable strategies regardless of which path you choose

• When paying off your mortgage actually makes financial sense

• The hybrid approach that satisfies both security and growth needs

Key Topics Covered:

- Mortgage payoff vs investment returns analysis

- Opportunity cost calculations for retirement planning

- Tax implications of mortgage interest deduction

- Behavioral finance and investment psychology

- Asset allocation strategies for pre-retirees

- Emergency fund considerations

- Real estate as investment myth-busting

Perfect for investors approaching retirement, financial independence seekers, and anyone torn between achieving mortgage freedom and building wealth. Get the clarity you need to make this crucial retirement decision with confidence.

Chapters:

00:00 - Common Financial Questions and Strategies

02:28 - Understanding Mortgage Decisions: The Myths and Realities

04:52 - The Psychology of Money and Investment Decisions

07:53 - The Short-Term Mortgage Paradox

11:15 - Strategies for Mortgage Decisions

Pre-order my new book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:

⁠⁠https://www.momentouswealthadvisors.com/book

To schedule a Discovery Call go to:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.momentouswealthadvisors.com/contact⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brian D Muller(AAMS©), Founder, Wealth Advisor

XYPN Invest Disclaimer:

Brian Muller is an Investment Adviser Representative of XYPN Invest, an SEC-registered investment advisory firm doing business as Momentous Wealth Advisors. This podcast is not published on behalf of XYPN Invest, and the views expressed herein are solely those of Brian Muller.

Podcast Disclaimer:

The Wealth Decisions Podcast is provided solely for general information purposes and should not be construed as accounting, legal, tax, or any other professional advice. Visitors are advised not to act upon the information or content found here without first seeking appropriate guidance from a qualified accountant, financial planner, lawyer, or other relevant professional. Any hypothetical performance is just that, and there is no guarantee that you will receive a specific average rate of return in any examples in this podcast.

Please note that any federal tax advice is not intended to be used to avoid penalties under the Internal Revenue Code or to promote, market, or recommend any transaction or matter addressed