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Big Picture Retirement

Devin Carroll and John Ross

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Planning for, or already enjoying, your retirement? This is the show for you. The success of your retirement hinges on how well you connect the dots between legal, tax, and financial planning. Join hosts attorney John Ross and financial planner Devin Carroll as they dig beneath the surface to help you gain the confidence and clarity needed to navigate your retirement journey successfully.
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Financial Freedom Podcast

Steven J. Richardson, Esq.

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A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.
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TableSetters: A Baseball Podcast

Table Setters: A Baseball Podcast

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Welcome to TableSetters, the podcast where Devin and Steve bring you everything you need to know about Major League Baseball (MLB) and then some! Join these two baseball enthusiasts as they break down the latest games, analyze player performances, and serve up spicy commentary on all the MLB drama. With their witty banter and deep dive into the sport, Devin and Steve are here to satisfy your baseball cravings, whether you’re a die-hard fan or just tuning in. So grab your peanuts and Cracker ...
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Music Business Facts- with Rodney Holder

Inspiring interviews with successful music industry experts

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Successful music industry experts share their secrets, insights and strategies on how to establish a career and monetize your passion within the music business. Whether you're an aspiring performer, songwriter, manager, promoter, indie label, studio owner or music entrepreneur, every episode of music business facts will give you the industry truths on how best to succeed in the music industry.
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show series
 
Social Security is still an important part of any retirement plan. It acts as a good supplement to a pension or other income from IRAs or 401Ks. But how it fits in to your particular plan and when is also important. That's why in this episode of the podcast I talk with financial planner and Social Security guru Devin Carroll about how to make the r…
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A big part of achieving financial freedom is having the right mindset about money. If you don't think about money in a way that aligns with your financial goals, you will find it difficult to succeed. That's why on this episode of the podcast I talk with financial advisor Amy Cook about what she calls your money narrative and how the right one can …
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news, with the Divisional Series in progress. The Phillies saw their season end to the relentless New York Mets in 4 games. The Tigers continue to roll and have pushed the Guardians to the brink of elimination. We discuss …
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Long-term care is a reality that many retirees will face, but the question is—how will you pay for it? In this episode, we break down the three primary ways to cover long-term care expenses. We’ll walk you through the pros and cons of each option and explain why planning ahead is critical. Plus, we’ll introduce a tool that can help you estimate the…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news, with the Wild Card Series coming and going. As quick as the Astros, Orioles & Braves were in the playoffs, they were gone even quicker. We saw the Tigers sweep the Astros ending their 7 year streak of consecutive ALC…
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In this episode, we take a closer look at Monte Carlo simulations—a tool used in retirement planning to estimate your chances of success. But are those percentages really reliable? Can an 85% or 90% success rate give you confidence in your retirement plan? We’ll explain how these simulations work, how different assumptions can lead to very differen…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an exceptional guest for our full episode. We have an exclusive conversation about the Arizona Diamondbacks with Derek Montilla. Derek hosts the PHNX Diamondbacks Podcast. You can follow the show on @PHNX_Dbacks on X and Derek himself @Ca…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news, with Shohei Ohtani hitting the 50-50 mark in style with 10 RBIs and 3 HRs against the Marlins. Is it possible that he can achieve 60-60 in the final week of the season now? Can we rule anything out at this point? We …
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In this episode, we explore the realities of stock-picking, revealing that it’s a gamble where the odds are heavily stacked against the average investor. Studies show that most individual stocks underperform or lose value over time, so we make a strong case for the smarter and more reliable approach. If you’re thinking, "I love the Big Picture Reti…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an exceptional guest for our full episode. We have an exclusive conversation about the Detroit Tigers with Jordan Hall. Jordan hosts the “Eat 'em Up: A Detroit Tigers Podcast.”—your weekly dose of Detroit Tigers baseball banter, opinions,…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news, with Gerrit Cole going into business for himself and deciding to walk Rafael Devers on his own, which ultimately backfired this weekend for the Yanks' ace. We also discuss Francisco Lindor's back injury and how the M…
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In this episode, we unpack Vice President Kamala Harris’s ambitious plan to lower housing costs, which would be funded by adopting Senator Elizabeth Warren’s sweeping estate tax overhaul. We explore the major changes proposed, including reducing the estate tax exclusion to $3.5 million, significantly increasing estate tax rates, and imposing new re…
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You may have heard about stock options in financial news articles, especially in the context of tech companies and startups. They act as a form of compensation or a benefit for employees. But what are they? How do they work, and if your employer offers them, how can you use them to your best advantage in your financial plan? To answer these questio…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news, with Anthony Santander reaching the 40 HR mark for the first time in his career and the first to do it for the Birds since Mark Trumbo in 2016. We also discuss Jay Jaffe's article about the possibility that Francisco…
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Today we're joined by Ed Slott, the expert’s expert on retirement planning, to talk about how to make the most of your retirement savings and avoid costly tax surprises. Ed explains why converting to Roth IRAs could be a smart move, the risks of sticking with traditional IRAs, and how to get ready for the taxes that come with required minimum distr…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an exceptional guest for our full episode. We have an exclusive conversation about the Los Angeles Dodgers with Mike DiGiovanna. Mike is an award-winning writer for the LA Times and currently contributes to the coverage of the Los Angeles…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news with the impending return of Jacob deGrom after his continued rehab starts & dive into Jose Ramirez's impressive season that has gone largely unnoticed outside of Cleveland. Why is that happening? Buckle up as we disc…
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In this episode, we’re answering more listener voicemails about Social Security, gifting money, and estate planning. First, we help a listener who’s trying to figure out the best way to maximize his wife’s Social Security benefits. He’s getting close to his full retirement age in 2025 and wants to make sure they get the most out of their benefits. …
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Today, Devin and Alexander are back answering listener questions. Tune in as we explore: Jamie's request for a detailed walkthrough of a monthly brokerage account statement, explaining where to find and understand fees, and demystifying various financial terms in plain English. Carl's situation as a 58-year-old with a diversified $1.1 million nest …
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Most people wait until they reach age 65 or older to retire. One of the reasons is that you can maximize your social security benefit. This makes retirement something that is far into the future. But what if you don't want to wait that long? What if you want to have more time to enjoy it? That's why in this episode of the podcast I talk to engineer…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an exceptional guest for our full hour long episode. We have an exclusive conversation talking about all things Oakland Athletics with Bryan Johansen. Bryan is the owner of “The Last Dive Bar” - celebrating everything about the Oakland Co…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news with MLB considering mandating a 6 inning minimum for starting pitchers. How could this be implemented and is it even possible? Buckle up as we discuss the Little League Classic between the Yankees & the Tigers and th…
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In this episode we’re answering listener voicemails and tackling some tough questions about Social Security, RMDs, estate planning, and more. First up, we help Diane, whose husband is a minister, figure out why his Social Security benefits don’t include his housing allowance, even though he pays taxes on it. Then, we talk through a listener’s conce…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an exceptional guest for our opening segment. We have an exclusive conversation talking all things Astros with Brett Chancey (@HTownWheelhouse). Brett is part of the Locked On Podcast Network family and a co-host on the Locked on Astros p…
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In this episode of Big Picture Retirement, Devin is joined by Alexander Davis, a financial advisor at Carroll Advisory Group, to address some of the most pressing questions from our listeners. Together, they answer a range of questions, including: Charles' query on the order and process of completing Required Minimum Distributions (RMDs) before mak…
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The word "wealthy" means different things to different people. It's more than the numbers in people's bank accounts or necessarily being a millionaire. It's more about financial independence and having a healthy relationship with money. That's why on this episode of the podcast I talk with Rob Souza about what wealth is, how you can reimagine it, a…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an exceptional guest for our opening segment. We have an exclusive conversation in our Minor Issue, talking all things prospects with Doc Eisenhauer (@DocHollidayDyna) from Dynasty Dingers & Scout the Statline (@statlinescout). We discuss…
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In this episode, Devin and John dive into a variety of listener questions, discussing annuities, maxing out retirement plans, why HSAs aren't widely talked about, IRMAA, and more. Tune in as we explore: Claudia's Situation: Understanding the distribution requirements for inherited qualified and unqualified MYGA accounts in light of recent tax law c…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have a fantastic guest for our opening segment. We have an exclusive conversation covering Kansas City Royals, talking with Jordan Foote (@footenoted) from the One Royal Way podcast on Kansas City Sports Network. Jordan is a Baker University a…
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In this episode of Big Picture Retirement, we’re back answering more of our listener-submitted questions. Join us as we cover: Anna's Query: When will NESARA begin? Ron's Question: Clarification on calculating taxes on Social Security benefits using our Cheat Sheet, specifically addressing whether AGI already includes SS benefits or if an additiona…
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Life insurance is an important part of any financial plan. Your death can bring about financial hardship to those you leave behind without it. Term life provides a nice benefit for a lower premium (although it goes up as you get older), while whole or universal life provides coverage for a higher premium, but it grows in cash value over time to pro…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have a tremendous guest for our opening segment. We have an exclusive conversation covering all things Cleveland Guardians talking with Quincy Wheeler (@QuincyWheeler1) from The Cleveland Guardians Fancast, Disgusting Baseball Podcast & Coveri…
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In this episode of the Big Picture Retirement podcast, we dive into listener questions about Social Security, tackling a wide range of scenarios to help you navigate the complexities of your benefits. Lois asks about the earnings limit for survivor benefits versus other benefits for someone born in 1955. She’s been told she must repay two months of…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an outstanding guest for our opening segment. We have an exclusive conversation covering all things Baltimore Orioles prospects talking with Nick Stevens(@TheVergePod) from On The Verge | An Orioles Prospect Podcast. We talked about the p…
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In this episode, we tackle a diverse range of listener questions from reverse mortgages, annuities, Roth conversions, healthcare before the Medicare age, and a lot more. Tune in as we discuss: Al's Question: Recommendations for reverse mortgages and the conditions under which they can be beneficial. Paul's Inquiry: Using deferred annuities, specifi…
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Millennials are somewhat the "middle child" generation when it comes to saving for retirement. Although, on average, they began saving 10 years earlier than Baby Boomers, Gen Z started at the age of 19, which is 16 years earlier than the average baby boomer, and 6 years earlier than millennials. As such, they do have an edge over Boomers, they do h…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an amazing guest for our opening segment. We have an exclusive conversation covering all things Los Angeles Angels talking with Chuck Richter (@AngelsWin) from AngelsWin.com. Chuck Richter is the founder and CEO of AngelsWin.com which is …
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In this episode, Devin dives deep into the Social Security questions sent in by our listeners. Topics include questions on the earnings limit, spousal benefits, survivor benefits, and the big one...how future benefit cuts could impact retirees If you’re thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an amazing guest for our closing segment. We have an exclusive conversation covering all things Toronto Blue Jays talking with Mike Wilner (@Wilnerness) from the Toronto Star & Deep Left Field Podcast (@DeepLFPodcast). Mike Wilner, former…
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Although student loans continue to be a hot topic in personal finance news, there are many interesting articles and tips out there that can help you on your path to financial freedom. These include Gen Z investment strategies that seem to be working, the cooling of the housing market competition, whether you should leverage the equity in your home,…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the week's news with Heston Kjerstad being called up for his 3rd stint in the MLB. Are the Orioles giving him a showcase so they can move him to acquire a big arm at the deadline? Buckle up as we discuss the Red Sox streaking and gra…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, and we have an exceptional guest for our opening segment. We have an exclusive conversation in our Minor Issue, talking all things prospects with Ross Jensen (@rossjensen12) from Scout the Statline(@statlinescout). We discussed his views on assessmen…
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One of the things that many couples and individuals think about, know they need, and fully intend to get one day, is an estate plan. But what is it? Is it just a will? What can happen if you put it off too long? That's why in this episode of the podcast I talk with estate planning attorney Adam Zuckerman to get a good idea of what an estate plan is…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the news of the big series and potential October preview with the Dodgers & the Yankees. Teoscar Hernández was the star of the show and helped LA win 2 out of 3. Buckle up as we discuss the London Series between the Phillies & Mets (…
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If you regularly donate to your church or other charities, donor advised funds (DAFs) might be something you want to look into. These funds offer some big perks. First off, you get a potential tax deduction in the year you contribute, even if the money is given out to charities gradually. Secondly, you have the freedom to decide when to donate. Thi…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the news of Padres’ Tucupita Marcano being banned for life from MLB for betting on baseball & Rhys Hoskins’ grand return to Philly. Buckle up as we discuss the injuries to Kyle Tucker (eerily similar to one he had before) & Blake Sne…
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In today's episode, we examine the recent IRS Chief Counsel Memorandum, which introduces significant changes to one of the cornerstone strategies in estate planning. We explore how these new guidelines impact assets placed in trusts like intentionally defective grantor trusts (IDGTs) and spousal lifetime access trusts (SLATs). These trusts have tra…
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Welcome back to TableSetters, your go-to podcast for all things baseball! Steve and Devin are back, diving deep into the news of the Negro Leagues statistics being officially integrated into the MLB record books (how does that shake up the official record books and all-time/single season leaders)?, Ángel Hernández announcing his retirement from ump…
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Lots of investors use the S&P 500 index as a key part of their investment plan, thinking it spreads their money out well among America's biggest companies. But in this episode, we're going to question that idea by looking at the risks of having too much money in just a few of the index's top companies. Even though the index includes 500 stocks, a b…
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One of the more mystifying subjects in personal finance is cryptocurrency (what most people identify as Bitcoin). The concepts behind digital currency are not obvious and can lead to people being hesitant to get involved in it. That's why in this episode of the podcast I talk to former truck driver and cryptocurrency enthusiast Bitcoin Ben to tell …
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