Hicks & Mann Wealth Management

09/02/2026

RMDs can apply to more retirement accounts than you might think.

Traditional IRAs, 401(k)s, 403(b)s, 457 plans, SEP IRAs, SIMPLE IRAs, and more can all be subject to required withdrawals.
Understanding where your RMD comes from and what happens to the money after taxes can play an important role in your overall retirement strategy.

Check out the full length YouTube video in the comments below to learn more.

08/26/2026

How is your Required Minimum Distribution (RMD) calculated?

Once you reach your RMD age, the IRS uses your previous year-end account balance and a life expectancy factor to determine how much you’re required to withdraw.

And if you’re planning for retirement, it’s important to understand not just how your RMD is calculated, but how those withdrawals could impact your lifetime tax bill and your beneficiaries.

Check out the full-length YouTube video in the comments below to learn more.

08/21/2026

Your 401(k) and IRA helped you save for retirement while deferring taxes. But eventually, the IRS wants its share.

That’s where Required Minimum Distributions (RMDs) come in.

Want to understand why RMDs exist and how they can impact your retirement strategy? Check out the full-length YouTube video. The link is in the comments below.

08/20/2026

Surprise Tax Bill in Retirement: How RMDs Can Ruin Your Retirement Strategy

In this video we break down RMDs, or Required Minimum Distributions...

08/10/2026

A balanced retirement isn’t just about how much you save. It’s about where you save it.

If too much of your retirement is sitting in tax-deferred accounts, you could be giving the IRS a much bigger say in your future lifestyle than necessary.

That’s why it’s important to look at your retirement strategy through a lifetime tax lens, not just an investment lens.

Check out the full-length video in the comments to learn more about tax diversification and the three retirement buckets.

08/03/2026

The tax-free bucket can be one of the most powerful tools in your retirement strategy.

Accounts like Roth IRAs, Roth 401(k)s, and HSAs allow your investments to grow tax-free, and qualified withdrawals can also be tax-free. That means more of what you've worked hard to save stays with you instead of going to taxes.

Want to learn how the tax-free bucket fits into your overall retirement plan?

Check out the link to the full-length YouTube video in the comments below.

07/27/2026

Most retirement savings end up in Bucket #2: your "taxable bucket" at some point.

401(k)s, traditional IRAs, and other tax-deferred accounts can be great tools for building wealth, but every dollar you withdraw in retirement may be taxed as ordinary income. Understanding how this bucket fits into your overall strategy can help you plan more effectively for the future.

Check out the link to the full length YouTube video in the comments below to learn more.

07/21/2026

"I'm looking to diversify out of grass and into high quality equities. What’s your take on Q3?" 📊👀

We love a proactive prospect, but usually people use the front door instead of pressing their nose against our office windows.

07/20/2026

One of the biggest misconceptions about a 401(k) is that it’s tax free. But it isn’t. It’s tax deferred. You’re simply choosing to pay the tax later instead of today.

That can be a great strategy in the right situation, but it’s important to understand that the IRS is still waiting for its turn.

Knowing the difference between tax free and tax deferred can completely change how you think about retirement planning.

We break down all three tax buckets and how they work in our latest YouTube video. Check the link in the comments to watch the full breakdown.

07/14/2026

Most people focus on growing their retirement savings, but not enough attention is given to how those savings will be taxed. Understanding the three tax buckets can help you make more informed decisions today and potentially keep more of what you’ve worked so hard to build.

In this video we teach how tax diversification can play an important role in your retirement strategy.

Most people focus on growing their retirement savings, but few thin...