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.

07/20/2026

Why Social Security Timing Can Get Complicated for Couples

Social Security planning can get more complicated when spouses are not the same age. In this video, I explain why couples need to pay close attention to when each benefit begins, how age differences can create different claiming timelines, and why that needs to be reflected clearly in a retirement income plan. This is one of those details that can easily get overlooked, but it can have a real impact on retirement cash flow planning.

07/19/2026

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

📍 Your Retirement Income Strategy Starts Here Planning your retirement withdrawals can feel overwhelming—but it doesn’t have to be. In this video, I’ll walk you through the 5 key steps to building a confident retirement income strategy using a real case study and our retirement planning software.

We’ll talk about how to line up your income sources, track your spending, and use tax-smart moves like Roth conversions to help reduce future RMDs and smooth out your taxes over time.

Here’s what you’ll learn:
Step 1: Map out your income and expenses Get a clear view of how much money is coming in, how much is going out, and how that changes over time.

Step 2: Dial in your plan and make adjustments Understand how your planned spending and income affect your plan’s success — and what tweaks you can make to stay on track.

Step 3. Analyze your plan for tax optimization See how things like delayed Social Security, pensions, and RMDs can impact your taxes — and where early tax-saving opportunities may exist.

Step 4: Plan out Roth conversions Use lower tax years in early retirement to convert IRA funds to Roth and reduce your lifetime tax burden.

Step 5 Build your withdrawal strategy Learn how to tap into your investment accounts in the most tax-efficient way and align income with your retirement lifestyle.

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

07/18/2026

Download our FREE Retirement Tax Planning Worksheets
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Download our FREE Retirement Tax Planning Playbook
👉 https://moneyevolution.com/retirement-tax-planning-playbook/?utm_source=facebook

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

A lot of people assume Roth conversions stop making sense once required minimum distributions begin, but that’s not necessarily always true. In this video, I walk through 4 reasons why Roth conversions might still be worth considering even after RMDs kick in. We cover situations where you're still in a reasonable tax bracket, where traditional IRA balances are still too high and why legacy planning may make conversions worthwhile. I also explain one very important rule about taking your RMDs first before doing a Roth conversion.

In this video, we cover:
• Why Roth conversions can still make sense after RMDs begin • How lower spending later in retirement may make conversions worthwhile • Why IRMAA planning still matters after RMD age • How large traditional balances can lead to future tax problems • Why legacy planning may support continued conversions • The important rule to take your RMD first before converting

🎁 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

07/17/2026

Can you generate $120,000 per year in retirement income and still keep your effective Federal tax rate under 9%? In this video, I walk through how that math can work by targeting the top of the 12% tax bracket, using the standard deduction and focusing on the difference between your marginal tax bracket and your effective tax rate. I also explain why this can leas to more planning flexibility than many people realize. Even if you do not need the full amount for spending, the extra room in the bracket may be used for something like Roth conversions to move more money into a tax free bucket for the future, making retirement tax planning much more efficient over time.

07/16/2026

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

Should you take Social Security at age 62, or wait until full retirement age or even age 70? In this video, I walk through why taking benefits early can actually be the better move for many retirees, especially if you're already retired and relying on portfolio withdrawals to fund your lifestyle. While delaying Social Security increases your monthly benefit, it also means more years of pulling money from your retirement accounts first. That can create more pressure on your portfolio early in retirement and reduce long term flexibility. Using a detailed hypothetical example, I show how claiming Social Security at 62 can reduce IRA withdrawals, create more room for Roth conversions, and in some cases push the break even point much later than people expect. I also cover how taxes, portfolio returns, survivor benefits, and life expectancy all factor into the decision. The key point is that Social Security timing shouldn't be looked at in isolation. It needs to be coordinated with your full retirement cash flow and tax strategy.

In this video, we cover: • Why taking Social Security at 62 can help reduce pressure on your portfolio • How delaying benefits affects retirement withdrawals in the early years • A break even analysis comparing age 62 vs age 67 • How early Social Security can create more room for Roth conversions • Why the taxable portion of Social Security matters for planning • How portfolio returns can change the outcome • Why survivor benefits and spousal considerations are important • Why some retirement plans never reach a true break even point

The best Social Security claiming strategy depends on more than just getting the biggest monthly check. It depends on how your benefits fit into the rest of your retirement income, tax planning, and long term goals.

07/15/2026

Download our FREE Retirement Tax Planning Worksheets
👉 https://moneyevolution.com/tax-planning-worksheets/?utm_source=facebook

How much can you convert to Roth while staying within the your target tax bracket? In this video, I walk through a retirement tax worksheet that helps show how to target a specific tax bracket, estimate how much room you have for Roth conversions, and coordinate that with other retirement income sources. If you have money in traditional IRAs or 401Ks, this kind of planning can make a big difference in how much tax you pay over time. A lot of people know Roth conversions can be helpful, but the real question is how much should you convert. That depends on your current tax bracket, what you think your future tax bracket might be, how much money you already have in traditional retirement accounts, and whether future RMDs could create a tax problem later. In this video, I walk through how ordinary income, Social Security, deductions, taxable brokerage withdrawals, HSA distributions, and capital gains all fit into that decision.

In this video, we cover:
• How to target the 22% tax bracket with Roth conversions • How much Roth conversion room you may actually have • Why the size of your traditional IRA matters for long term tax planning • How Social Security and other income sources have an effect your bracket • How taxable brokerage withdrawals and capital gains fit into the strategy • Why some retirees may combine Roth conversions with taxable account withdrawals • How to think about taxes you need to cover in addition to spending needs • Why this decision should be made in the context of a long term retirement tax plan

🎁 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

07/15/2026

Download our FREE Retirement Tax Planning Worksheets
👉 https://moneyevolution.com/tax-planning-worksheets/?utm_source=facebook

How much can you convert to a Roth IRA without triggering IRMAA? In this video, I walk through a retirement tax worksheet that helps show how the IRMAA brackets work, what counts toward modified adjusted gross income, and how to estimate the amount you may be able to withdraw or convert while staying under a Medicare surcharge threshold. This matters because once you go even $1 over an IRMAA bracket, your Medicare premiums can increase. A lot of people focus only on the top of a tax bracket when planning Roth conversions, but that can be misleading. IRMAA is based on modified adjusted gross income, and that means things like taxable Social Security, tax free interest, qualified dividends, long term capital gains, and retirement account withdrawals can all have a noticeable impact on the outcome. In this video, I walk through how income gets stacked, how deductions can alter the calculation, the Senior Bonus Deduction phaseout, and why your long term plan matters more than just optimizing one year at a time.

In this video, we cover:
• How IRMAA works and why it matters in retirement • How much MAGI a married couple can have before Medicare surcharges begin • Why targeting a tax bracket alone can cause problems • How Social Security, tax free interest, dividends, and capital gains affect IRMAA • How the deduction stack works, including the standard deduction and senior deductions • How the Senior Bonus Deduction phaseout changes the math • How to estimate the maximum IRA withdrawal or Roth conversion amount • Why this strategy should be coordinated with your long term retirement tax plan

🎁 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

07/14/2026

Download our FREE Retirement Tax Planning Worksheets
👉 https://moneyevolution.com/tax-planning-worksheets/?utm_source=facebook

How much can you actually sell from a taxable brokerage account in retirement and still pay 0% long term capital gains tax? In this video, I walk through a retirement tax worksheet that helps show how the 0% capital gains bracket really works, how ordinary income gets stacked first, and why Social Security, interest income, and other taxable income can dramatically reduce the amount of room you have left. I also explain how deductions fit into the calculation, including the standard deduction, the age 65+ deduction, and the newer Senior Bonus Deduction. A lot of retirees hear that they can realize up to a certain amount of long term capital gains tax free, but the real answer depends on what other income is already showing up on the tax return. That’s why this strategy can’t be looked at in isolation, and you should understand how taxable Social Security, IRA withdrawals, qualified dividends, and capital gains all work together.

In this video, we cover:
• How the 0% long term capital gains bracket works in retirement • Why ordinary income gets stacked first • How Social Security and interest income can reduce your available room • How the deduction stack can have an effect your tax picture • How qualified dividends can fit into the 0% capital gains bracket • Why some retirees may alternate between capital gain harvesting years and Roth conversion years • How this strategy fits into a broader retirement withdrawal and tax plan • Why long term planning matters more than just optimizing one tax year

🎁 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

07/14/2026

What I Recommend to Make Retirement Income More Stable

As you get closer to retirement, one of the smartest moves you can make may be building up a cash reserve inside your traditional retirement accounts. Having 2 to 5 years of cash available can give you more flexibility for withdrawals, help you avoid selling investments at the wrong time, and make your retirement income strategy feel much more stable. This becomes especially important in the final years leading into retirement when sequence of returns risk matters most. In this video, I explain why holding a cash reserve inside retirement accounts can play an important role in your overall retirement plan, how much cash may make sense depending on your situation, and why this strategy can help smooth out market volatility early in retirement. The goal isn't to maximize returns on every dollar. It's to create a retirement plan that gives you flexibility, confidence, and a better withdrawal process when markets get volatile.

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