Life & Finances Episode 21: It's Not a Budget: The R&D Cash Flow Planning Process

The Rinvelt & David Difference: Tony & Roberta's Story

Welcome to the Life and Finances Together Podcast brought to you by the team at Rinvelt & David. We’re here to discuss the financial topics that mean the most to you with the signature candor, humor, and expertise that Roger David and Jacob Rinvelt have come to be known for among our clients and friends. Our hosts will also connect you with area experts and charitable organizations to talk about everything from good health habits to the latest tax and insurance changes and more! You’ll always find something interesting and entertaining that brings life and finances together.

Life & Finances Together Episode 22: Rules Make It Daunting - The Facts About RMDs

Required Minimum Distributions (RMDs) just got a whole lot more complicated. Thanks to the SECURE Act 1.0 & 2.0, there are major changes to RMD ages, inherited IRA rules, Roth distributions, and more—and the penalties for getting it wrong can be steep. In this episode, Roger and Jake explain: How RMDs work under SECURE Act 2.0 (including new ages: 73 & 75) The 3 types of IRA beneficiaries (EDB, NEDB, NDB) and how they change your withdrawal strategy How to avoid massive tax hits from inherited IRAs Why Roth IRAs are better to inherit than traditional IRAs What happens if you miss an RMD What to know about Qualified Charitable Distributions (QCDs) The surprising truth about inherited IRA "faucets" you can't turn off If you have a 401(k), IRA, or inherited account—or if you’re managing retirement planning for a parent or spouse—this episode is a must-watch.

Life & Finances Episode 21: It's Not a Budget: The R&D Cash Flow Planning Process

Cash flow isn’t just budgeting — it’s the foundation of every meaningful financial plan. In this episode, we dive into why understanding your spending patterns, adjusting for inflation, and preparing for life’s curveballs are key to long-term financial stability. From everyday expenses to healthcare costs, we explore how detailed cash flow planning can help align your lifestyle with your values. Topics include: • Discretionary vs. non-discretionary spending • Inflation’s impact on different costs • Planning for one-time and unexpected expenses • Life events and their financial ripple effects • What “wiggle room” really means in retirement

Life & Finances Episode 21: It's Not a Budget: The R&D Cash Flow Planning Process

Are you planning for retirement? Avoid these 5 critical mistakes that could derail your financial future. In this episode, we cover: How the Sequence of Returns can make or break your retirement income Why market timing often leads to disaster The importance of cash flow planning in early retirement How emotions can sabotage investment performance What realistic return expectations should actually look like Whether you're already retired or just starting to plan, this guide will help you sidestep common pitfalls and create a smarter, more sustainable financial future. Stay invested. Stay prepared. And build an all-weather retirement plan that works in any market condition.

Life & Finances Episode 20: Asking the Experts About Insurance: Return of the Boer Insurance Twins

In this episode, Roger is joined by Brian and Derek Boer of Boer Insurance Group. Together they explore the evolving landscape of risk and liability that today's homeowners face – and how insurance products like title insurance, identity theft protection, and umbrella policies fit into the picture. Their discussion spans real-world examples of unexpected lawsuits - from contractors falling off ladders to boating accidents and dog-related injuries. They explain why some policies are shrinking in coverage while premiums rise, and how factors like rising verdicts, emotional distress claims, and negligence standards are reshaping how liability is assessed. You’ll also hear insights into: • Why umbrella coverage limits are changing and how insurers assess risk • How lifestyle choices—like owning a boat, vacation home, or having teen drivers—increase liability exposure • When umbrella insurance kicks in and real-life scenarios that triggered claims • How courts calculate damages based on projected income, pain and suffering, and life disruption • The growing role of emotional distress and quality-of-life considerations in large legal settlements If you're navigating the realities of homeownership, this episode sheds light on the legal and financial exposures many people underestimate – and how evolving insurance tools may help manage them.