Money Evolution

Money Evolution Every Great Retirement Starts with a Great Plan. No offers may be made or accepted from any resident of any other state.

We help people nearing retirement build a clear, personalized plan—without moving your money—so you can move forward with clarity and confidence. The idea behind Money Evolution is to provide financial advice, education and investments through all stages of your financial life. From individuals or families just starting out as they are beginning to save and invest for the first time, helping them

grow and evolve financially as their lives change, all the while planning to help them move right into retirement. Money Evolution is brought to you by Lethemon Financial, an independent wealth management firm specializing in retirement planning strategies. Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member www.finra.org / www.sipc.org
Financial planning offered through Lethemon Financial, a registered investment advisor and seperate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss or transact business only with residents of the states in which they are properly registered or licensed. For a list of states in which we are registered to do business please visit www.MoneyEvolution.com.

09/02/2026

The Senior Bonus Deduction for Retirees Age 65 and Older

The Senior Bonus Deduction from the One Big Beautiful Bill Act can help retirees age 65 and older generate more tax free income than they could previously. In this video, I explain what this new deduction is, why it can matter a lot, and why so many people are asking about it. Even though most people focused on the law making the Tax Cuts and Jobs Act rates permanent, this new deduction is huge for retirees, because it can keep more of your income sheltered from Federal income taxes.

09/01/2026

Why Taking Social Security at 62 can be a Smart Move

A lot of people often assume delaying Social Security is always the smarter move, but that’s not always the case. In this video, I explain why taking benefits as early as age 62 might actually make a lot of sense depending on your situation. It's important to understand the breakeven point and how long it takes for higher delayed benefits to make up for the income you gave up by waiting. I also walk through the bigger planning question, which is how Social Security fits in with the rest of your retirement assets and income strategy.

08/31/2026

How Higher Retirement Balances Can Push You Into IRMAA

For some retirees, avoiding IRMAA completely may not be realistic. If you have large retirement account balances and need significant withdrawals, it may be very difficult to stay under certain Medicare premium thresholds or even lower tax brackets, but that doesn't mean planning stops there. The goal may shift from avoiding IRMAA altogether to managing how much damage it does over time. In this video, I explain why higher asset levels can make IRMAA harder to avoid and why it still makes sense to manage your income carefully. Doing Roth conversions and other tax planning moves may still help reduce the risk of landing in one of the highest IRMAA brackets or pushing into higher tax brackets than necessary.

08/30/2026

How IRMAA Can Raise Costs for Roth Conversions

IRMAA isn’t always thought of as a tax, but it can actually raise the cost of doing Roth conversions. In this video, I explain how going over certain modified adjusted gross income thresholds can increase your Medicare Part B and Part D premiums, and lead to one of the biggest stealth costs in retirement tax planning. If you’re doing Roth conversions, understanding where those IRMAA limits are and how they fit into your strategy can help you avoid getting hit with some of these costs.

08/29/2026

How Conversations With Clients Turn Into Video Ideas

A question I get asked all the time is how I come up with ideas for my videos. One of the biggest sources is the one on one financial planning work we do with clients, where as different situations come up in meetings and we work through strategies using high end planning software, I often walk away thinking that the concept we just covered could actually help a much broader audience. In this video, I explain how real client situations often inspire the topics I cover here on the channel.

08/29/2026

How to Pay Taxes on Roth Conversions

Download our FREE Retirement Tax Planning Worksheets
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Download our FREE Retirement Tax Planning Playbook
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Download our FREE Roth Conversion Playbook
👉 https://moneyevolution.com/roth-conversion-playbook/?utm_source=facebook

If you're doing Roth conversions in retirement, where should the money come from to pay the taxes? Should you take additional money from your traditional IRA, or should you sell investments from your taxable brokerage account and use that money for taxes and living expenses? In this video, I walk through a detailed Roth conversion case study comparing those two approaches. We look at a hypothetical retired couple with money spread across taxable, traditional, and Roth accounts, and show how each strategy changes the amount that can actually make it into the Roth account. Selling investments from a taxable brokerage account can trigger long term capital gains and the 3.8% Net Investment Income Tax. Larger conversions can push you into higher Medicare IRMAA tiers. On the other hand, using taxable assets to cover living expenses and taxes might allow substantially more money to move from a traditional IRA into a Roth.

In this video, we cover:
• Two different ways to pay the taxes on a Roth conversion
• Why your living expenses need to be part of the Roth conversion calculation
• How to determine how much of an IRA withdrawal can actually be converted to Roth
• Using taxable brokerage assets to fund taxes and retirement spending
• How long term capital gains are taxed alongside Roth conversions
• When the 3.8% Net Investment Income Tax can apply
• How Medicare IRMAA can have an effect on your Roth conversion strategy
• Why larger traditional IRA balances might require a more aggressive conversion strategy
• How Roth conversions can reduce future required minimum distributions
• The tradeoff between preserving taxable assets for a step up in cost basis and building a larger Roth account
• How delaying Social Security can open additional room for Roth conversions
• Why lifetime taxes and the location of your assets can matter more than simply minimizing taxes this year

There isn't one Roth conversion strategy that's right for everyone. The amount you have in each tax bucket, your retirement spending, Social Security timing, future RMDs, capital gains, Medicare premiums, and estate planning goals can all have an effect on which approach makes the most sense.

🎁 Download our FREE Retirement Tax Planning Worksheets
3 tax worksheets updated for 2026 tax law including 0% capital gains, IRMAA thresholds, and Roth Conversion calculations.
👉 https://moneyevolution.com/tax-planning-worksheets/?utm_source=facebook

🎁 Download our FREE Retirement Tax Planning Playbook
Learn 12 tax strategies for retirees and pre retirees, avoid common tax traps, and build a smarter retirement tax plan.
👉 https://moneyevolution.com/retirement-tax-planning-playbook/?utm_source=facebook

🎁 Download our FREE Roth Conversion Playbook
Learn 16 advanced Roth conversion strategies for retirees and pre-retirees: improve long term tax flexibility, manage future RMDs, and better understand how conversions may impact retirement income planning.
👉 https://moneyevolution.com/roth-conversion-playbook/?utm_source=facebook

08/27/2026

Why Your Retirement Budget Drives Your Tax Plans

Even if you’ve never followed a budget before, having a retirement budget can help build a smart retirement plan. The first goal is making sure you have enough money to do the things you want to do in retirement, but beyond that, your spending level plays a huge role in shaping your withdrawal strategy and your tax strategy. In this video, I explain why knowing how much you’ll need from your portfolio each year is so important, how retirement spending can change your tax bracket, and why someone needing $300,000 to $400,000 per year may face a very different tax picture than someone needing $100,000 to $150,000. This is one of the key building blocks for creating a retirement withdrawal plan that actually works.

08/26/2026

The 2026 22% Roth Conversion Limit for Married Couples

If you’re planning Roth conversions in 2026, one of the most important starting points is knowing how far the 22% tax bracket actually goes. For married couples filing jointly, that bracket reaches much higher than many people realize. In this video, I explain why understanding that threshold matters when you’re building a Roth conversion tax strategy and how it can help you make better decisions about how much to convert.

08/26/2026

How to Build Your Retirement Withdrawal & Tax Strategy

https://www.RetirementTimeMachine.com
Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money

Your retirement tax strategy and your retirement withdrawal strategy are inseparable. In this video, I walk you through how the money you take out of your accounts in retirement affects your tax brackets, ACA subsidies, IRMAA surcharges, and required minimum distributions, and how to start coordinating all of it into one cohesive plan. We’ll talk about the four key phases of retirement, how to use the three primary tax buckets, and where Roth conversions and asset shifting can fit into your long term strategy. If you’ve ever wondered which account to take money from first or how much to convert to Roth, this deep dive will help you start mapping that out.

💡 Here’s what you’ll learn:
✅ How your retirement withdrawals and tax strategy fit together
✅ The four phases of retirement and how income gaps change over time
✅ How the three tax buckets (non-retirement, traditional, Roth) really work
✅ Key tax thresholds to watch: Social Security, ACA subsidies, IRMAA, RMDs
✅ How Roth conversions and asset shifting can improve long-term flexibility
✅ Ways to think about cash reserves, portfolio structure, and withdrawal order

If you're planning your retirement income, understanding how your withdrawals flow through your tax return and how they affect things like ACA premiums, Medicare IRMAA, and future RMDs can help you make more informed decisions about when and where to take money in retirement.

08/25/2026

How IRMAA Can Push You Towards Aggressive Roth Conversions

One of the biggest things to watch with Roth conversions is IRMAA, the income related monthly adjustment amount. If your income gets too high, your Medicare premiums can increase substantially, sometimes two or even three times the base premium. In this video, I explain why it’s important to understand how large your traditional retirement accounts may grow over time and why that can sometimes support a more aggressive Roth conversion strategy, especially in the early years of retirement.

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