In this episode of Retire with Ryan, we’re diving into the ins and outs of 1031 Exchanges with expert Eric Brecher. As Executive Vice President at the Chicago Deferred Exchange Company, Eric brings years of experience in navigating this complex IRS provision, which allows real estate investors to defer capital gains taxes when selling property.

If you're interested in real estate investments and the potential tax advantages that come with them, this episode is a must-listen. Eric explains everything from the basics of a 1031 Exchange to key strategies, common pitfalls, and the crucial role of a Qualified Intermediary.

• [0:52] What is a 1031 property exchange provision?
• [6:44] The 4 key requirements for a 1031 exchange
• [9:13] The role of the qualified intermediary
• [16:09] Common mistakes and misconceptions
• [26:32] The three property rule
• [32:28] The role of the qualified intermediary
• [35:34] Other need-to-know details

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE

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When it comes to retirement plans, the general rule is that you can’t access funds in your retirement account(s), without penalty, until age 59 ½. If you withdraw funds prior to 59 ½, you’ll get hit with a 10% penalty and income tax (if coming from a non-Roth account). But there are some instances in which you can make withdrawals penalty-free. We’ll dive into this in this episode of Retire with Ryan.

• [0:55] Why you should hire a fee-only financial advisor
• [2:32] When can you access retirement accounts?
• [3:20] Way #1: Pay for unreimbursed medical expenses
• [4:18] Way #2: If you become disabled
• [4:53] Way #3: Pay for health insurance premiums
• [5:43] Way #4: Death
• [6:23] Way #5: Pay debt to the IRS
• [6:50] Way #6: First-time home buyer
• [7:34] Way #7: Higher education expenses
• [8:31] Way #8: Substantial and equal payments
• [9:52] Way #9: Terminal illness
• [10:19] Way #10: Separation of service

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE
• Getting Emergy Money from Your 401K
• Breaking Down the IRS’s New Finalized Regulations on Inherited Retirement Accounts

www.MorrisseyWealthManagement.com/contact

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Will AI stocks like NVIDIA continue their meteoric rise, or are we heading toward a market correction? What do recent Federal Reserve decisions mean for your investments and mortgage rates? And is it time to reconsider small-cap stocks?

In this episode, I sit down with Michael Collins, CEO of WinCap Financial, to tackle the biggest financial trends of 2025. We discuss the future of AI-driven investing, the Federal Reserve’s impact on interest rates, and whether large-cap stocks will remain dominant. This episode is a must-listen!

• (0:00) Introducing Michael Collins: CEO of WinCap Financial and finance educator
• (2:40) AI and NVIDIA: Will new competition shake up the market?
• (5:50) The usefulness of AI for businesses
• (7:24) How NVIDIA dominates the S&P 500 (and what that means for investors)
• (9:36) Will the Fed lower interest rates?
• (12:47) Will homebuyers see lower mortgage rates?
• (20:18) The future of large-cap vs. small-cap investing
• (24:52) Bitcoin, the Fed, and risky government investments

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE
• DeepSeek
• Michael Collins
• WinCap Financial

www.MorrisseyWealthManagement.com/contact

Subscribe to Retire With Ryan