A Smarter Way To Retire with Tony Leonardi, CFP®

Charitable Remainder Trusts: Tax-Efficient Strategy for Appreciated Assets

Tony Leonardi, CFP®, breaks down Charitable Remainder Trusts (CRTs) — an advanced planning strategy that may help individuals with appreciated assets potentially reduce capital gains taxes, generate lifetime income, and support charitable causes. In this episode, Tony walks through how CRTs work, shares a detailed example of a business owner comparing an outright sale versus using a CRT, and discusses important considerations including irrevocability and whether thisstrategy is a fit for your situation. This episode is designed for educational purposes. Any advanced planning strategy should be reviewed with your full advisory team.

Why Leave On Assets (Especially IRAs) Are So Tax-Inefficient – And Four Smarter Ways to Fix It

If you don’t need your IRA for living expenses, it canbecome one of the most tax-inefficient assets to leave your children. The IRS often takes two bites at the same dollars — once during your lifetime and again when your heirs are forced to withdraw over 10 years.   In this episode I show you the real cost with clear examplesand introduce four practical strategies under the Smart Legacy Tax Shield that let you pay tax once instead of twice.   Download the free Smart Tax Shield Legacy Playbook Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com   #LeaveOnAssets #SmartLegacyTaxShield #RMD #TaxPlanning#LegacyPlanning #SmartRetirement

How to Minimize Taxes on Your Live On Assets in Retirement

Most retirees never separate their Live On assets (moneythey’ll spend) from their Leave On assets (money for heirs). This one mistake often leads to higher taxes, unnecessary risk, and a smaller legacy.   In this episode I walk through the simple way to calculatethe split and share the four most effective strategies to minimize taxes on the money you actually need to live on — including Roth conversions, QCDs, smart withdrawal sequencing, and proper asset allocation.   Download the free **Smart Tax Shield Legacy Playbook** → Book your no-cost Smart Retirement Model session →LeonardiFamilyWealthcare.com   #LiveOnAssets #RetirementTaxPlanning #RMD #QCD#SmartRetirement

Live On vs Leave On Assets: The Most Important Distinction in Retirement Planning

Last week we talked about paying tax once instead of twice.This week we go deeper: the critical difference between **Live On assets**(money you’ll spend) and **Leave On assets** (money for your heirs).   Most people treat all their retirement accounts the same way— but once you separate them into these two buckets, everything changes:investment strategy, tax planning, and withdrawal approach.   In this episode I show you: - How to calculate your Live On vs Leave On split - Why each bucket should be invested and taxed differently - A real client example where separating the bucketsimproved their probability of success from 78% to 94%   If you have substantial retirement savings and some of thosedollars are intended for the next generation, this could be one of thehighest-leverage planning steps you can take.   Download the new **Smart Tax Shield Legacy Playbook** (free)– link in description  Book your free Smart Retirement Model session →LeonardiFamilyWealthcare.com   #LiveOnVsLeaveOn #RetirementPlanning #AssetAllocation#TaxPlanning #LegacyPlanning #SmartRetirement

Smart Retirement Tax Planning: Pay Tax Once, Not Twice (2026)

Many retirees don’t need their RMD income, yet face double taxation — once during their lifetime and again when heirs inherit the account. In this episode, Tony Leonardi introduces the Smart Retirement Tax Shield and Smart Legacy Tax Shield — two strategies to pay tax once instead of twice. Includes real client examples with significant projected lifetime tax savings. Download the free Smart Tax Shield Legacy Playbook and book your no-cost Smart Retirement Model at LeonardiFamilyWealthcare.com [http://LeonardiFamilyWealthcare.com].