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**Is it possible to retire earlier—without risking your future?** Meet Jerry and Ginny, a real couple who wanted out of the workforce at 62 instead of 65. But how could they do it *safely* without outliving their savings?

What if something happened to you tomorrow, would your family know what to do? In this video, I walk you through the one essential document that can spare your loved ones from chaos, confusion, and hours of detective work.

Want to supercharge your retirement portfolio without changing a single investment? In this video, Mike Frontera reveals how smart asset location can save you thousands in taxes!

In today's video, we take a dive deep into the world of Roth conversions—a powerful strategy for enhancing your retirement funds. But beware, there are pitfalls!

Whether you’ve heard of Bitcoin from the news or friends, it’s a fascinating topic that is changing the financial landscape. I want to provide enough basics so you can understand what it is and why people own it.

So a question I get all the time: I've got a $1 million portfolio. How much can I withdraw from it? Do you have to follow the 4% rule?

How should you adjust your investment portfolio based on who wins the election? Many people fear that the 'wrong' candidate will spell disaster for their financial future. But is that really the case?

Coordinating Spousal Social Security Benefits together to maximize benefits is one of the most complex areas of retirement income planning. I'll walk you through an example on how to maximize those benefits.

Many people assign their beneficiaries with an equal split amongst their heirs. But different assets have different tax consequences when left to different beneficiaries. How can you create the most tax efficient beneficiary designations?

You may have heard the term “tax loss harvesting” – which is when you realize capital losses on your investments, often to offset other taxable capital gains. But what is “tax gain harvesting?”

Does your blood pressure sky rocket every single time you get locked out of an account because you forgot the password? Do you have a hard time trying to come up with a complex password? If this is you, then you need a password manager.

We've paid into that FICA system for years and when we get our Social Security benefits, we get to pay tax on those benefits again. So how do we get those Social Security benefits in our hands without paying taxes again?

Learn how to freeze your credit with all three credit bureaus, including step-by-step instructions.

Transcript: Hey guys, Mike Frontera here with some big student loan news. By the way, if you like these videos, do me a favor. Click that like button and don't forget to subscribe to continue to see videos like these on everything...

Transcript: Hey guys, Mike Frontera here with Retirement Theory. All right, so what am I talking about? Have I gone completely crazy? Why would we be increasing stock exposure in retirement? I’ve always heard you are supposed to...

Have $5000 to invest in your retirement? Are you better off contributing that $5000 directly to your Roth IRA or should you do a Roth Conversion?

Transcript:  Hey guys, Mike Frontera here, back with another Retirement Theory video. So, you know that old saying “it’s better to give than to receive”? Well, today I’m going to show you a tax...

Transcript:  Hey guys, Mike Frontera here from Retirement Theory. I’ve been getting a lot of questions lately about 529 plans as kids are graduating high school and getting into college where we are going to be...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory video. A few months ago I made a video highlighting potential retirement rule changes with SECURE Act 2.0.  Well, SECURE (Setting Every Community...

Transcript:  Hey guys, Mike Frontera here back with another Retirement Theory video! Over the past 20 or so years I have helped many clients and family members deal with picking up the pieces after a loved one passes away. And...

Transcript:  Hey guys, Mike Frontera here back with another Retirement Theory video! So by this point, you may have heard rumblings about a major piece of retirement legislation known as the SECURE Act 2.0. As you might...

Transcript:  Hey guys, with 2022 turning out to be such a gut-wrenching year for investors, what are some things that you can do to try to make the best of it? Here are four things to consider without having to predict where the...

To say that 2022 has been a rough ride for investors is such an understatement as to almost sound trite. The S&P 500 is well into bear market territory, and the traditional “safe haven” of bonds has done no better. The Wall...

Transcript:  Hey guys, Mike Frontera here back with another Retirement Theory Video. So if you watch my videos for any length of time, you know I have great love and reverence for the Roth IRA. And now with many areas of the...

Transcript:  Hey guys, Mike Frontera here back with another Retirement Theory video! OK, this is the last of three videos talking about some lesser understood Social Security benefits. I get a ton of questions on this topic,...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory Video! So we’re going back to this recurring topic of lesser-known Social Security benefits, again, putting the spotlight on areas with a ton of...

Transcript:  Hey guys, Mike Frontera here with another Retirement Theory video! So today I’m talking about commonly missed Social Security benefits. And so originally when I set out to record this video, I wanted to...

Transcript:  Hey guys, Mike Frontera here back with another Retirement Theory video!  You know, one of the more interesting consequences of the pandemic is the surge of people looking more seriously at early retirement...

Transcript: Roth IRAs and Traditional IRAs have polar opposite tax treatment and fill two different roles in retirement. So why would you invest them the exact same way? Hey guys, Mike Frontera here, back with another Retirement...

Transcript: Hey guys, Mike Frontera here, back with another Retirement Theory video! So, you’ve been diligently saving in your 401(k) with thoughts of retiring early. Maybe not fully retiring, but seriously...

Transcript: Hey guys, Mike Frontera here with another Retirement Theory video. What if I told you that you could pay almost a 50% tax rate on your IRA withdrawals in retirement? “Pay almost half of my withdrawal back in taxes,...

Transcript Hey, guys Mike Frontera here with Retirement Theory, and today I'm going to give you a little tidbit about the HSA, otherwise known as the Health Savings Account. One of my favorite kinds of accounts! And, in fact, if you...

Transcript Hey guys, Mike Frontera here with Retirement Theory and today I have got a little tidbit for you on life insurance, specifically group life insurance, which is the coverage that you might get from your employer. Now, a lot...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory Video! So you’re thinking about retirement, and picturing yourself enjoying endless days at the beach or on the golf course! When you’re scraping...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory video! So check this out. This is my wallet. It’s called the Ridge Wallet, and I love it. It keeps everything so neat and compact. All my cards fit in...

Transcript:Hey guys, Mike Frontera here back with another Retirement Theory video. Now, while 2020 has basically become another one of those “4-letter words” not to be repeated around young children, the stock market...

Transcript:  Hey guys, Mike Frontera here with another Retirement Theory Video                                        It’s...

Transcript: Hey guys, Mike Frontera here, back with another Retirement Theory Video. Happy New Year to everyone out there, and I think for the great majority of us, we’re excited to turn the page, in particular with hopes of...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory video! You know, one of the most critical factors in planning a successful retirement is being smart about taxes. And today I’m going to talk to you...

Transcript: Hey guys Mike Frontera here back with another retirement theory video. Well we're quickly coming up on open enrollment season for health insurance. And whether you're looking to sign up for a new plan or perhaps you're...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory video. Well this has no doubt been one of the most surreal years that I can remember. The Coronavirus pandemic has turned so much of what we consider normal...

Transcript: Hey guys Mike Frontera here back with another retirement Theory video. So today I'm going to talk about something that I think is often overlooked in the context of a financial plan. It's something that can truly lay...

Transcript: Hey guys Mike Frontera here back with another retirement Theory video. So today we're going to be talking about a question I get all the time. A client will call me up and say, I visited with my attorney and he or she...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory video. It’s been about three months since The Coronavirus came here and took over life as we know it. I don’t know that any of us have ever...

TRANSCRIPT: Hey guys, Mike Frontera  here back with another Retirement Theory Video. You know one the fundamental challenges we face when we enter retirement is the risk of running out of money.  I mean think about it…...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory video. I’m coming to you today from my home office. Like many people, I am working remotely in an effort to flatten the curve of Coronavirus. I do go...

Transcript: Hey guys, Mike Frontera here back with another Retirement Theory video! Well…it’s finally time to claim your Social Security benefits. You grab your latest estimate and drive down to your local Social Security...

Transcript: 00:07 hey guys Mike Frontera here back with00:10 another retirement Theory video well00:13 it's official the much-anticipated00:15 secure Act has been signed into law and00:18 there are some big changes in store for00:20...

Transcript: hey guys Mike Frontera here back with another retirement Theory video so Mike 0:00:13.139,0:00:17.940 what happens to my home if I need long-term care does Medicaid take it 0:00:17.940,0:00:22.650 this is a question I get...