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

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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

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In an ideal world, everyone should aim to keep 3–6 months of living expenses in an emergency fund. But let’s face it—building that kind of safety net isn’t always easy. For many pre-retirees, most savings are tied up in retirement accounts, leaving limited options for unexpected expenses.

So, what can you do if an emergency arises? In today’s episode, I’ll walk you through how to access emergency funds from your 401(k) and explore strategies to help you stay prepared for life’s unexpected challenges.

• [0:53] Do you have an emergency fund?
• [1:35] Why you should hire a financial advisor
• [2:38] The new IRS rule allowing withdrawals
• [3:59] The requirements for withdrawal
• [4:32] What are the drawbacks?
• [5:08] Why you should build your emergency fund

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

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If you retire early (before 65), you’re too young to qualify for Medicare. So what are your health insurance options? In this episode of Retire with Ryan, I’ll address five different options you have to get health insurance. I’ll also share some ways you can lower the cost of your premiums to keep coverage affordable until you qualify for Medicare.

• [1:01] Health insurance options if you retire early
• [3:03] Option #1: Don’t get health insurance
• [4:11] Option #2: See if you qualify for Medicaid
• [5:38] Option #3: Get on COBRA
• [7:46] Option #4: Investigate individual plans
• [8:57] Option #5: Get a plan through the ACA
• [12:36] How can you save money on premiums?
• [14:53] What is the biggest unknown?

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

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President Biden recently signed the Social Security Fairness Act into law, bringing significant changes to Social Security benefits for millions of public school teachers and former public employees. This new legislation eliminates provisions that previously reduced or limited their benefits.

In this episode, I’ll break down how the bill works, who it impacts, what it means for you, and what steps you need to take to claim any additional benefits you may be eligible for.

• [0:45] Social Security Fairness Act
• [1:24] Download my new book for FREE
• [2:22] What is the Social Security Fairness Act?
• [6:27] When does this go into effect?
• [7:00] How can this benefit you?
• [10:37] How the survivor benefit will work
• [12:46] Do you need to do anything?

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE
• Social Security Fairness Act Re: Provisions
• Millions of Public Workers to get Higher Social Security Benefits

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Happy New Year! As we step into 2025, it’s time to reflect on the lessons of the past year and anticipate what’s ahead. In this episode, I take a deep dive into my 2024 market predictions—where I was right, where I went wrong, and the key takeaways to help guide your investment decisions moving forward.

The S&P 500 delivered a remarkable 23.8% return, Bitcoin soared by 121%, and interest rates shifted more than expected. How did these compare to my forecasts? I’ll share the details and insights that shaped last year’s performance. Then, we’ll turn our focus to 2025, where I outline predictions for major asset classes, the S&P 500, interest rates, and the ongoing battle between Gold and Bitcoin.

• [0:45] Happy New Year!
• [2:21] Prediction #1: The S&P 500 will have positive returns
• [4:58] Prediction #2: Growth stocks will lead the market
• [7:35] Prediction #3: Small caps would outperform large caps
• [9:35] Prediction #4: Gold would outperform bitcoin
• [11:42] Prediction #5: Domestic stocks would outperform international stocks
• [14:04] Prediction #6: We’d see two rate cuts and interest rates of 4.75%
• [16:28] My 2025 stock market predictions

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Download my entire book for FREE
• Episode #183: 6 Market Predictions for 2024
• Episode #116: 7 Best Short-Term Investments To Grow Your Money
• SPDR® Portfolio S&P 500® ETF
• SPDR® Portfolio Developed World ex-US ETF
• iShares Bitcoin Trust ETF

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In this episode, I’m joined by Larry Swedroe, a thought leader in evidence-based investing and former Chief Research Officer at Buckingham Strategic Wealth.

Larry has authored over 18 books that have shaped the way people think about personal finance, and now, after 28 years in the industry, he’s sharing the most valuable lessons he’s learned in retirement planning and investing.

In this episode, we dive into his latest book, Enrich Your Future: Keys to Successful Investing. Through 40 captivating stories, Larry exposes the myths and misconceptions that many investors hold, often perpetuated by Wall Street, and replaces them with clear, actionable strategies.

From understanding how overconfidence derails financial success to learning how to balance risk as you approach retirement, this conversation offers invaluable guidance for anyone looking to achieve financial independence.

• [1:33] Larry’s process for writing a book
• [7:33] How the industry has embraced passive investing
• [17:19] Using tennis to explain the difficulties of active management
• [21:20] Why do we think we can outperform the market?
• [26:57] What approach is prudent for most people?
• [30:08] Should retirees focus on dividend-producing investments?
• [35:02] How to determine the amount of risk to take in your portfolio
• [39:23] Diving into the concept of indexed annuities

• Retirement Readiness Review
• Subscribe to the Retire with Ryan YouTube Channel
• Connect with Larry Swedroe on LinkedIn
• The Only Guide to a Winning Investment Strategy You'll Ever Need
• Think, Act, and Invest Like Warren Buffett
• Your Complete Guide to a Successful and Secure Retirement

www.MorrisseyWealthManagement.com/contact

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