Episode Details

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Windrock Wealth Management's Brandy Maben joins Maggie Lake to talk about a retirement planning mistake she sees all the time: too much money in one bucket. Brandy walks through a real example of a surgeon whose 401k could leave him paying 40% or more in taxes on required minimum distributions, and shares a simple one-third rule for balancing taxable, deferred, and tax-free accounts. She also explains why your highest-growth investments belong in a Roth, and why your 401k could end up becoming a tax burden on your heirs.

💡Get to Know Brandy Maben: Strategic Planning for a Life of Financial Freedom https://youtu.be/ArSNoZKSxwA

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2:10 - The One-Third Rule: Building a Tax-Efficient Retirement Portfolio

3:28 - Why Your Future Tax Bill Could Be Much Bigger Than You Think

7:04 - Matching Investments to the Right Account: Duration and Liquidity

8:40 - ⭐️Wealthion Golden Nugget: Don't Leave Your Heirs a Tax Bomb

10:32 - Diversification Beyond Assets: What Actually Works (And What Doesn't)

12:44 - Stuck With Too Much in Your 401(k)? How to Fix It Without Getting Burned

13:36 - The Liquidity Trap: Why Most People Underestimate What They'll Need

15:13 - It's Never Too Early: Teaching Your Kids the Roth Advantage

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