Momentous Wealth Advisors

05/14/2026

NEW EPISODE of The Wealth Decisions Podcast out on YouTube:

Watch it here:
https://youtu.be/NLz7ziL_RCg?si=4xI0qZsPSvJ6ua4p

Most retirement calculators are built on a 40-year-old rule that could be costing you a decade of your freedom. After 25 years as a fiduciary financial advisor, I've seen this firsthand — and the math tells a very different story.
In this video, I break down why you may need 50% less to retire than you've been told — and exactly how to calculate your real number using a 2-phase approach. I also answer the question nobody else is answering in this conversation: what do you do about health insurance before Medicare kicks in?

SCHEDULE A DISCOVERY ZOOM:
https://calendly.com/brian-d-muller/zoom-discovery-call

Get Your Risk Number by taking the FREE RISK ASSESSMENT: https://pro.riskalyze.com/embed/da35a673b96655a2f2b1

Pick up a copy of my book "Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life" at:
https://www.momentouswealthadvisors.com/book

https://youtu.be/NLz7ziL_RCg?si=4xI0qZsPSvJ6ua4p

Most retirement calculators are built on a 40-year-old rule that could be costing you a decade of your freedom. After 25 years as a fiduciary financial advis...

05/06/2026

New episode of The Wealth Decisions Podcast out today on the exact moment you should stop funding your pre-tax 401k.



Watch it here:

Have you been told to "max out your 401k" until the day you retire? That advice could be leading you straight into a six-figure tax trap. There is a specific...

05/01/2026

New episode out on the 5 Wealth Decisions Most People are afraid to make.

Roth Conversions, Mortgage Payoffs, and 3 Choices That Terrify Retirees

03/26/2026

Special episode as a tribute to my dad who passed away last Monday, March 16th on the 10 principles that allowed him to retire at age 50.

https://youtu.be/jMFy8H9qlaw?si=lb7qM7xS06Kn8EGo

My dad retired at 50 following 10 simple principles anyone can copy.Discover how my dad achieved early retirement at 50 using 10 powerful wealth-building pri...

02/18/2026

Wondering about the New Trump Accounts? Tune into this week’s episode.

Trump Accounts for Kids: Government Investment or Marketing Hype?Trump Accounts offer $1,000 government seed funding for kids born 2025-2028. Learn how these...

02/05/2026

The 401k Limit You Think You Know Is Wrong



Watch the full episode of The Wealth Decisions Podcast here:

How To Contribute up to $46,000 in a Roth IRA Each YearDiscover the Mega Backdoor Roth IRA strategy that lets high earners contribute $46,000+ to a Roth acco...

01/11/2026

Wondering if RMD’s will be a eventually be a problem for you? Watch today’s episode of the Wealth Decisions Podcast

Why RMDs Don't Matter For Most Retirees: The 3 Wealth Levels When They Become a Problem"If you're worried about Required Minimum Distributions destroying you...

01/03/2026

New Year. New Goals. New Life. Watch today’s 100th episode to jumpstart your 2026. Your future self will thank you.

5 wealth decisions that take 5 minutes each—multiply your money fasterTransform your financial future with five simple wealth-building decisions you can impl...

01/02/2026

9 Smart Money Moves for 2026

⏹️ 1. Set up an HSA account. Must have a high deductible health plan- one of the most tax-advantaged accounts in america. Tax deduction up front, tax free growth, tax free withdrawals for medical expenses- $4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up for age 55+

⏹️ 2. Make sure you are getting your entire employer match. It's free money

⏹️ 3. Invest extra money in a taxable investment account and a vacation account

⏹️ 4. Do catch-up contributions if you are over 50.
NEW 401K CHANGES FOR 2026
$24,500 MAXIMUM 401K CONTRIBUTIONS
OVER AGE 50: $8000 CATCH UP
AGE 60-63: CATCH UP OF $11,250
ROTH CATCH-UP MANDATE: HIGHER INCOME EARNERS (150K+ FOR SINGLES. 200K+ FOR MFJ- MUST MAKE CATCH-UP CONTRIBUTIONS TO A ROTH 401K

⏹️ 5. If you can't max out your 401 (k) right now, increase your contribution percentage by 1% per year

⏹️ 6. If you get a tax return every year, change withholdings so that you are not letting the government borrow your money for a year- invest that extra amount each month in a Roth IRA or taxable investment account

⏹️7. If your car payment is higher than what you are saving for retirement each month, something needs to change

⏹️ 8. Tackle the big fixed expenses. Get 3 quotes on your insurance. (property, car, etc)- invest difference saved

⏹️9. Do a subscription audit. Most people can find $60-100 per month they are wasting- invest the difference

12/31/2025

New episode out today:

2026 investment outlook: hidden opportunities and critical risks revealedNavigate 2026 markets with confidence. In this episode of Wealth Decisions by Brian,...