Five years can go by fast. If retirement is on your horizon, there are some important steps you need to take now that can determine how confident you feel when that day arrives. ------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: https://www.youtube.com/@choicewealthmgt?sub_confirmation=1 Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://calendly.com/gregcorneille DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. ----------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information, but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

You probably know that you can access retirement accounts free of the 10% early withdrawal penalty after the age of 59 ½. But for those planning for early retirement and who have the majority of their assets in employer retirement accounts, this can present a challenge. Enter the Rule of 55 - the little-known tax loophole that can unlock your retirement savings and make a huge difference in when and how you retire! #earlyretirement #firemovement #retireearly ------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: https://www.youtube.com/@choicewealthmgt?sub_confirmation=1 Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://calendly.com/gregcorneille DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. ----------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information, but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

Here’s how to calculate how much you’ll need to have saved before you retire. 4 simple steps! Please note – this is BACK OF THE NAPKIN MATH! There’s a ton of stuff this type of estimate doesn’t consider, such as: - How your money is allocated across pre-tax, taxable, and tax-free accounts - How your spending needs will change over time during retirement - How your income sources are taxed …just to name a few. Creating detailed retirement estimates and developing plans to realize them is what we do all day. But to get to a ballpark idea, use this formula! If you'd like help thinking through your own situation, please schedule some time with me today: https://buff.ly/RsMAkIX #RetirementPlanning #FinancialLiteracy #RetirementSavings #FinancialPlanning #MoneyTips ------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: https://www.youtube.com/@choicewealthmgt?sub_confirmation=1 Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://calendly.com/gregcorneille DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. ----------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information, but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

Perhaps the most common concern people have about retirement is whether they'll have enough money to maintain their desired lifestyle. But that fear can also keep people from enjoying the retirement they spent decades preparing for. In this video, I talk about why retirees often hesitate to spend their savings, even when they can afford to, and how the “retirement spending smile” helps illustrate the way spending tends to change over time. Having a solid financial plan can give you greater confidence to make the most of the years ahead while keeping your long-term financial security in view. #RetirementPlanning #FinancialPlanning #RetirementGoals #RetireSmart #WealthManagement #personalfinance ------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: / @choicewealthmgt Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://buff.ly/EaaIQcd DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. ------------------------------------------------------------------------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

I've been having a lot of conversations recently about phased retirement - cutting back hours or moving into part-time work or consulting in the years before fully retiring. Of course this means less income, but it also offers a chance to work less, rest more, and pursue other things you enjoy while you're still healthy and active. In this video I touch on the three major expenses you have to plan for before making this kind of transition: housing, healthcare, and taxes. A phased retirement works best when you have a clear plan for these and start taking steps toward them well in advance. #PhasedRetirement #RetirementPlanning #FinancialPlanning #RetirementIncome #TaxPlanning #HealthcareInRetirement #FinancialFreedom ------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: / @choicewealthmgt Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://buff.ly/EaaIQcd DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. ------------------------------------------------------------------------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

After someone commented that my ABLE account video helped them explain to their family how the account works, I wanted to go into it in more detail. In this video I talk about how an ABLE account can pay for that special needs trusts can’t without affecting benefits such as SSI and Medicaid: housing expenses, food & groceries, direct cash, gifts, and independent spending. ABLE accounts aren’t a substitute for special needs trusts, and in this video, I explain how having both works well together. #ABLEAccount #SpecialNeedsTrust #SpecialNeedsPlanning #SSI #Medicaid #DisabilityPlanning #FinancialPlanning #SpecialNeedsFamilies ------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: / @choicewealthmgt Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://buff.ly/EaaIQcd DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. ------------------------------------------------------------------------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

Roth conversions can be one of the most powerful financial planning tools available. But determining how MUCH to convert each year is where strategy really matters. In this video, I break down the concept of “filling the bracket”, as well as how to evaluate how much to convert annually based on fluctuations in income. As always, Roth conversion strategies should be evaluated within the context of your overall financial plan and tax situation. #RothConversion #RetirementPlanning #FinancialPlanning #RothIRA #TaxPlanning #RetirementTaxes #WealthManagement ------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: / @choicewealthmgt Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://buff.ly/EaaIQcd DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. ------------------------------------------------------------------------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

What’s one expense that can derail an otherwise strong retirement plan? For many people, it’s long-term care. Long-term care isn’t just a place, like a nursing home. It’s an event that can happen when someone needs help with at least two out of six activities of daily living, such as bathing, dressing, eating, transferring, toileting, or continence. That detail matters because planning for long-term care is really about preserving options during one of the most medically vulnerable times in life. Watch the full video to learn what to consider and use the calendar link to schedule time if this is something you’d like to talk through for your own plan. #LongTermCarePlanning #RetirementPlanning #FinancialPlanning #RetirementStrategy #WealthManagement #FinancialSecurity -------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: / @choicewealthmgt Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://buff.ly/EaaIQcd DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. -------------------------------------------------------------------------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.

Don't step over quarters to pick up pennies! Often, people focus on one thing during tax season: paying as little in taxes as possible right now. That makes sense, but it’s only part of the picture. Sometimes, paying more in taxes today can actually put you in a better position long term. In this video, I walk through why taxes are just one piece of a bigger financial strategy and how things like Roth conversions, capital gains planning, and diversification can play a role in that. It’s about understanding how each decision fits into your overall plan, not just what it does for you this year. The goal isn’t just to lower your tax bill today. It’s to make decisions that your future self will benefit from. If you’re thinking about how to build wealth, reduce risk, and make smarter financial decisions, this is worth a watch. #TaxPlanning #FinancialPlanning #WealthManagement #RothConversion #EstatePlanning #RetirementPlanning #Taxes #Investing #PersonalFinance #CapitalGains #TaxStrategy #WealthBuilding #MoneyTips #FinanceEducation #LongTermWealth -------------------------------------------------------------------------------------- Greg Corneille, CFP®, ChSNC®, is the founder of Choice Wealth Management, LLC; an independent registered investment advisory firm providing active investment management and financial planning services for individuals, families, business owners, and families with special needs individuals. Subscribe: / @choicewealthmgt Connect: Facebook - @choicewealthmgt Instagram - @choicewealthmanagement TikTok - @greg.corneille Schedule an introductory conversation: https://buff.ly/EaaIQcd DISCLAIMER: This video contains general information only and is not intended to be relied on as a forecast, research, investment advice; or a recommendation, offer, or solicitation to buy any securities or to adopt any investment strategy. This information does not take into account your financial circumstances. An assessment should be made as to whether the information is appropriate for you having regard to your objectives, financial situation, and needs. The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by Choice Wealth Management, LLC to be reliable, and are not necessarily all inclusive and are not guaranteed as to accuracy. There is no guarantee that forecasts made will come to pass. Any investments named within this material may not necessarily be held in any accounts managed by Choice Wealth Management, LLC. Reliance upon information in this material is at the sole discretion of the viewer. Past performance is no guarantee of future results. -------------------------------------------------------------------------------------- CONTENT DISCLAIMER: The views and opinions expressed through this media or in comments on this channel are those of the creators and do not necessarily reflect the views and opinions held by this channel's broadcaster. Due to the social nature of this channel, these videos may contain content copyrighted by another person or entity. This channel's owner claims no copyright to said content. The broadcaster of this channel cannot be held accountable for the copyrighted content. The broadcaster shares and strives to verify information but cannot warrant the accuracy of copyrights or completeness of the information on this channel. Any copyrighted material shared on this channel is intended to be shared by Fair Use. If you have a complaint about the use of copyrighted material, please contact the broadcaster prior to making a copyright claim. Any infringement is unintentional and will be rectified to all parties' satisfaction.