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.

05/29/2026

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

How much can you really contribute to your 401K in 2025?
In this video, I’ll break down the new IRS contribution limits and explain what’s changing this year — including the brand new “Super Catch Up” rule created under the Secure Act 2.0.

Whether you’re under 50, over 50, or in that special age range of 60–63, it’s important to know how much you can contribute and how these rules affect your overall retirement strategy.

Here’s what you’ll learn: ✅ 2025 401K employee contribution limits (and the new numbers) 💡 Catch-up contribution rules if you’re 50 or older 📅 The “Super Catch Up” for ages 60–63 under Secure Act 2.0 📝 How total contributions (employer + employee) are calculated ➡️ Key planning considerations for maximizing your retirement savings

By the end of this video, you’ll have a clear understanding of how to take advantage of the 2025 401K rules — without missing out on valuable contribution opportunities.

Ready to start building your plan?
👉 Check out the Retirement Time Machine: https://www.RetirementTimeMachine.com

05/28/2026

How $64,000 of Social Security Can Lead to Just $7,000 Being Taxed

A lot of people hear that up to 85% of Social Security benefits can be included in the tax calculation and assume that means most of their benefit will actually be taxed. But that’s not how it works. Even with $64,000 of Social Security benefits and some additional income, the actual portion subject to tax can be much smaller once deductions are applied.

In this video, I explain: ✅ Why 85% inclusion doesn’t mean 85% is taxed ✅ How other income factors into the Social Security tax formula ✅ How the standard deduction and senior bonus deduction reduce taxable income ✅ Why only a small portion of benefits may end up being taxed

This is one of the biggest areas of confusion in retirement tax planning, and understanding the math can make the rules much easier to follow.

Most successful savers spend their careers hearing the same thing:"Don't worry — you'll be in a lower tax bracket in ret...
05/28/2026

Most successful savers spend their careers hearing the same thing:

"Don't worry — you'll be in a lower tax bracket in retirement."

For many people with $1M+ in traditional 401(k) or IRA accounts, that assumption could work against them.

Here's why: every dollar in a pre-tax account is taxed as ordinary income when you withdraw it. And when Required Minimum Distributions kick in at age 73 or 75, those forced withdrawals don't care whether you need the money — they happen regardless. For many retirees, that can push taxable income higher than it ever was during their working years. Even though the paycheck stopped long ago.

The window to address this may still be open. But it doesn't stay open forever.

📖 Get The Retirement Tax Planning Playbook — free download in the comments.

05/27/2026

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

Understanding your cash flow is the single most important part of any retirement plan. It’s also the number one thing our clients tell us gives them the most confidence and clarity about their retirement. In this video, I walk through how a cash flow based retirement plan actually works and why it sits at the center of everything else, including retirement readiness, withdrawal strategies, Roth conversions, and Social Security timing. Using a hypothetical case study inside our advanced planning software, I show you how to visualize money coming in, money going out, and where retirement gaps show up, especially in the early years of retirement before Social Security and required minimum distributions begin.

We cover: • Why cash flow determines whether your retirement is actually on track • How retirement income gaps drive withdrawal strategy decisions • What early retirement cash flow gaps look like in real plans • How Social Security timing and pensions affect cash flow over time • Why expenses change throughout retirement, including healthcare and travel • How to model real-life variability instead of relying on static spreadsheets • How cash flow becomes the foundation for tax optimization strategies
This approach allows you to plan for real retirement decisions, like early retirement, higher spending, travel goals, and healthcare costs, while still making sure your plan holds up long term.

05/26/2026

The Retirement Buckets Strategy That Creates More Tax Flexibility

One of the most important parts of building a retirement tax and withdrawal strategy is understanding not just how much you need to withdraw, but where that money is coming from. In this video, I explain why getting your cash flow straight is only part of the process. You also need to know which tax buckets hold your money, because retirement gives you a level of flexibility you usually didn’t have while working. During your working years, income mostly showed up on your paycheck and tax return with much less control over how it was taxed. In retirement, you often have more choice over which accounts to draw from and when. That flexibility can make a major difference in how efficiently you manage taxes and support your lifestyle.

05/25/2026

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

Wondering how long you need to keep money in your Roth IRA, or what return you have to earn, to make a Roth conversion “worth it”?

💡 Here’s the truth: those two factors don’t matter at all. In this video, I’ll break down the only thing that really determines whether a Roth conversion makes sense for you.

✅ What actually drives Roth conversion decisions ✅ Why rate of return and time horizon are irrelevant ✅ How your current vs. future tax rates determine success ✅ Why conversions may make sense later in retirement ✅ A simple example that proves the math

It’s all about understanding your tax rate today vs. in the future. That’s the real key to making smart Roth conversion decisions.

05/24/2026

12 Retirement Tax Strategies You Can Download for Free

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

I put together a free Retirement Tax Planning Playbook that walks through 12 specific strategies you can use before and after retirement to help strengthen your long term tax planning strategy. It’s a free 12 page PDF designed to help you think more clearly about retirement taxes and make smarter planning decisions over time.

🎁 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

05/23/2026

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

Thanks for Watching!

05/22/2026

Using the 0% long term capital gains tax rate in some years and Roth conversions in other years can be a smart retirement tax strategy, but it doesn’t always work as cleanly as it sounds. In this video, I explain why you have to look at your traditional retirement account balance, how much it may grow by RMD age, and whether future withdrawals could push you into a higher tax bracket or trigger IRMAA. I also cover why this alternating year approach can become much harder when your retirement spending needs are too high to stay within those lower tax thresholds.

05/21/2026

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

Can you use both the 0% long term capital gains bracket and Roth conversions in retirement? In this video, I walk through why this can be one of the most powerful retirement tax planning opportunities, but also why it’s rarely as simple as people think. Once you start layering in dividends, interest income, Social Security, pensions, IRA withdrawals, Medicare IRMAA thresholds, and future required minimum distributions, retirement tax planning becomes a more complex. I explain how ordinary income fills up the tax brackets first, how that affects your ability to realize gains at 0%, and why some retirees may need to alternate between capital gains harvesting and Roth conversion years. We also look at the tradeoff between trying to avoid capital gains taxes today versus reducing future RMD pressure and avoiding larger tax problems later. In some cases, paying 15% capital gains tax or even triggering some net investment income tax can still be the better long term move if it helps reduce large traditional IRA balances before RMD age. This is where retirement planning needs to be looked at as a full system, not just one tax strategy at a time. The real question isn’t whether one strategy is better than the other. It’s how to coordinate all the moving pieces in a way that supports your cash flow needs and improves your long term tax outcome.

In this video, we cover: • How the 0% long term capital gains bracket works in retirement • Why ordinary income gets stacked first and can eliminate your 0% capital gains room • How dividends, interest, pensions, and Social Security affect the strategy • When Roth conversions make sense in those early low tax retirement years • Why an alternating year strategy can sometimes work well • When higher retirement spending makes this strategy harder to execute • How future RMDs and IRMAA can change the math • Why paying some capital gains tax today can still improve your long term plan

🎁 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

05/20/2026

A lot of people don’t realize how little additional income it can take before Social Security benefits start becoming taxable. For a single filer, half of your Social Security benefit gets included in the provisional income formula, and once you cross certain thresholds, more of your benefit starts getting pulled into the tax calculation. For married couples, the same thing happens, just with different income limits.

In this video, I explain: ✅ How provisional income works for Social Security taxation ✅ Why half of your Social Security gets included in the formula ✅ The key income thresholds for single filers and married couples ✅ How a relatively small amount of other income can trigger taxation of benefits

This is one of the most important concepts to understand if you want to avoid getting surprised by Social Security taxes in retirement.

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