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.

06/18/2026

How Reducing Retirement Savings Can Free Up Cash Flow

One of the biggest benefits of doing a real retirement plan isn’t just seeing whether you’re on track to retire. It’s understanding what you actually need to do to position yourself for the life you want, both now and later. For some people, the plan reveals something unexpected. They don’t need to keep saving as aggressively as they thought. By reducing savings, not eliminating them blindly, they can free up cash flow to do the things they care about today, like travel and family experiences, while still staying on track for retirement. This is what we call coasting into retirement.

06/17/2026

Are You Waiting Until Retirement to Enjoy Your Life?

A lot of people treat retirement like a starting line where they save for 20, 30, or even 40 years, sacrifice spending, and then finally give yourself permission to enjoy life once you retire. But for many people, especially those who’ve done a great job saving, that assumption isn’t actually true. When we run the numbers, many clients are already financially secure and could retire tomorrow if they wanted to. They just may not be ready to stop working yet. That’s where a real retirement plan can be eye opening. It’s not just about knowing whether you can retire someday, it’s about understanding whether you’ve already built enough to start enjoying life now, even if retirement is still a few years away.

06/16/2026

How the 4% Rule Helps You Calculate Your Retirement Amount

The 4% rule is one of the most common retirement planning rules of thumb, but a lot of people don’t fully understand how to use it. In this video, I explain how the rule works in a simple way by starting with the income need and working backward to estimate the portfolio size you may need at retirement. If you know how much annual income you want your portfolio to support, this framework can help you get a clearer target for what retirement may require.

06/15/2026

How to Use Low Tax Years for Capital Gains and Roth Conversions

Low tax years in early retirement can create a big planning opportunity if you know how to use them well. In this video, I explain two of the most efficient ways to take advantage of those lower income years. One is using room in your tax bracket for Roth conversions, and the other is using non-retirement accounts first so you may be able to realize capital gains more efficiently. This is where retirement withdrawal strategy becomes so important. The order you draw from accounts can have a major impact on taxes, future flexibility, and how much room you still have left for Roth conversions. When these decisions are coordinated well, low tax years can become one of the most valuable parts of a retirement plan.

06/14/2026

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

Thinking about a Roth conversion? There may be some unintended consequences to know about before you do. In this video, I'll break down 4 possible tax consequences from doing a Roth conversion.

💡 Here’s what you’ll learn: ✅ How to avoid higher Medicare costs ✅ How to know if you're eligible for the Senior Bonus Deduction ✅ How Roth conversions may trigger an additional investment tax ✅ How to make the most of your Roth conversion

06/13/2026

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

Planning for retirement in your 50s can feel overwhelming, especially if you’re juggling your highest earning years and your highest expenses. In this video, I walk you through the exact steps to understand your cash flow, map out your retirement timeline, and determine whether you’re truly on track for retirement at 60, 65, 67, or beyond. We’ll break down your retirement plan into three phases:

1️⃣ Your Current Cash Flow (Now) Understanding income, expenses, college costs, car payments, sports, insurance, home maintenance, and everything that has an effect on your ability to save during these busy years.

2️⃣ Full Retirement Age (Around 67) How to evaluate your expected Social Security, pension income, ongoing expenses, and the size of the “cash flow gap” you’ll need your portfolio to cover.

3️⃣ Early Retirement (60–67) Why this phase is the trickiest and often the most expensive. Learn how to estimate what you’ll need before Social Security kicks in and how to plan for the gap.

You’ll learn: ✅ How to map out your expenses for today and the future ✅ How to estimate what your portfolio needs to be worth by retirement ✅ How to plan for early retirement before Social Security ✅ How to track spending so nothing sneaks up on you ✅ Why your 50s are the most important decade for retirement planning

06/12/2026

Why Roth Conversions Can Still Make Sense at the 15% Capital Gains Rate

Sometimes the best retirement tax strategy means willingly paying some capital gains tax today. In this video, I explain a real planning scenario where a client had large traditional retirement account balances along with significant embedded capital gains in a non retirement account. To reduce future IRA balances and avoid bigger tax problems later, the better strategy was to get more aggressive with Roth conversions, even though that meant selling appreciated assets, paying the 15% long term capital gains tax rate, and in some cases triggering the net investment income tax. The goal isn’t always to avoid every tax today, but it’s to put the full plan together in a way that may lead to better long term results.

06/11/2026

Download our FREE Retirement Tax Planning Playbook 👉 https://retirementtaxplaybook.com

If you're approaching retirement or already retired with significant assets in traditional retirement accounts and a taxable brokerage account, there’s a good chance your tax bill over time could be much higher than it needs to be. In this video, I walk through a detailed retirement tax case study using our eMoney financial planning software to show how different withdrawal strategies, Roth conversions, and capital gains planning can potentially reduce lifetime taxes by hundreds of thousands of dollars. We look at a hypothetical retired couple with more than $6 million across traditional retirement accounts and a non retirement brokerage account, and compare several strategies for coordinating withdrawals over time, including targeting different tax brackets for Roth conversions, managing embedded capital gains, evaluating when it may make sense to use the 0% long term capital gains bracket, and reducing the risk of larger required minimum distributions later in retirement. I also show how these decisions can affect other key planning issues like IRMAA, Social Security taxation, overall portfolio value, and the long term mix of assets across taxable, tax deferred, and tax free accounts. The goal is to build a strategy that improves flexibility and helps smooth taxes over the course of retirement.

In this video, we cover: • How Roth conversions can reduce lifetime taxes • Why large traditional IRA balances can create major RMD problems later • How to coordinate taxable account withdrawals with Roth conversions • When the 0% long term capital gains bracket may create a planning opportunity • Why effective tax rates can change dramatically over time • How IRMAA and other stealth taxes can affect retirement income planning • Why asset location by tax bucket matters for both retirees and beneficiaries • How different strategies can impact total portfolio value over a full retirement timeline

This is the kind of planning that can be hard to see with simple spreadsheets because every decision affects something else. That’s why building a coordinated withdrawal and tax strategy matters so much once retirement begins.

🎁 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://retirementtaxplaybook.com

06/10/2026

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

Can a fixed indexed annuity help you generate reliable retirement income?
In this video, we break down how a $500,000 annuity today can create an income stream equivalent to what would otherwise require over $1 million just a few years from now — using the principles behind the 4% rule and compound growth.

We walk through a detailed hypothetical example that shows how a fixed indexed annuity works, how accumulation values grow over time, how fees and interest credits impact your contract, and how the income withdrawal benefits are calculated.

💡 You’ll Learn: How much income a $500,000 annuity could produce Why waiting 5 years could require double the savings What kind of growth would be required to “do it yourself” How accumulation values and fees affect income Why fixed indexed annuities may provide efficient, low-risk income How to request and read an annuity illustration Why financial planning should come before product selection

📊 This is a great video for anyone wondering: “Is an annuity right for my retirement plan?” “How do annuity income riders really work?” “What kind of return do I need if I don’t use an annuity?” “How do fees impact the growth of an indexed annuity?”

Before buying any annuity, it’s critical to understand how it fits into your overall financial plan. In this video, you’ll see why we recommend starting with a plan first — then evaluating whether an annuity can help solve for specific income goals or risk concerns.

Ready to create a retirement plan that actually works?
Learn how to create a high-level plan for your retirement that's not connected with where you choose to invest your money.

👉 Check out the Retirement Time Machine: https://www.RetirementTimeMachine.com

06/09/2026

The Order That You Withdraw From Retirement Accounts Matters More Than You Realize

A good retirement plan starts with making sure your retirement actually supports the life you want to live so you can do all of the stuff that you want to do in retirement. In this video, I explain why the first priority is figuring out how much you need to withdraw from your portfolio. From there, the next step is often to building an efficient withdrawal strategy by deciding which accounts to draw from first, in what order, and how to position those withdrawals within the tax rules.

Address

21 East Long Lake Road, Suite 104
Bloomfield Hills, MI
48304

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Money Evolution posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Money Evolution:

Shortcuts

Share

Category