Money Evolution

Directions Website Contact the business

Money Evolution Every Great Retirement Starts with a Great Plan. No offers may be made or accepted from any resident of any other state.

We help people nearing retirement build a clear, personalized plan—without moving your money—so you can move forward with clarity and confidence. The idea behind Money Evolution is to provide financial advice, education and investments through all stages of your financial life. From individuals or families just starting out as they are beginning to save and invest for the first time, helping them grow and evolve financially as their lives change, all the while planning to help them move right into retirement. Money Evolution is brought to you by Lethemon Financial, an independent wealth management firm specializing in retirement planning strategies. Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member www.finra.org / www.sipc.org
Financial planning offered through Lethemon Financial, a registered investment advisor and seperate entity from LPL Financial. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss or transact business only with residents of the states in which they are properly registered or licensed. For a list of states in which we are registered to do business please visit www.MoneyEvolution.com.

10/27/2026

What Accounts Should You Hold Dividend Paying Stocks In?

Dividend paying stocks can be a great investment, but where you hold them can make a difference in your retirement tax strategy. I generally prefer holding dividend paying stocks inside traditional retirement accounts, such as an IRA or 401K rather than building up too much dividend income in a taxable brokerage account. This can help you manage the ongoing taxes that dividends may generate in a non-retirement account. Dividend paying stocks often fit into a value oriented approach, and you might want a balance of growth and value investments rather than concentrating all of your money in one category.

10/26/2026

The Most Overlooked Reason to Do a Roth Conversion

Download our FREE Retirement Tax Planning Playbook
👉 https://moneyevolution.com/retirement-tax-planning-playbook/?utm_source=facebook

Download our FREE Roth Conversion Playbook
👉 https://moneyevolution.com/roth-conversion-playbook/?utm_source=facebook

Download our FREE Social Security Guide
👉 https://moneyevolution.com/social-security-guide/?utm_source=facebook

Download our FREE Medicare Guide
👉 https://moneyevolution.com/medicare-guide/?utm_source=facebook

Download our FREE Retirement Launch Kit
👉 https://moneyevolution.com/retirement-launch-kit/?utm_source=facebook

Roth conversions are often evaluated by comparing your tax rate today with the tax rate you might pay in the future. However, there's another potential benefit that can be easy to overlook: how you allocate your investments after completing the conversion. In this video, I walk through a hypothetical $3 million retirement portfolio and show how moving money from a traditional retirement account into a Roth account can give you an opportunity to reposition more of your growth investments into the Roth. This can allow more of your potential long term growth to occur inside an account where qualified withdrawals can ultimately be tax free.
I'll also show why this doesn't necessarily mean taking more investment risk. You can actually maintain the same overall 60/40 allocation and hypothetical portfolio return while altering where the growth and fixed income portions of the portfolio are held.

🎁 Download our FREE Retirement Tax Planning Playbook
Learn 12 tax strategies for retirees and pre retirees, avoid common tax traps, and build a smarter retirement tax plan.
👉 https://moneyevolution.com/retirement-tax-planning-playbook/?utm_source=facebook

🎁 Download our FREE Roth Conversion Playbook
Learn 16 advanced Roth conversion strategies for retirees and pre-retirees: improve long term tax flexibility, manage future RMDs, and better understand how conversions may impact retirement income planning.
👉 https://moneyevolution.com/roth-conversion-playbook/?utm_source=facebook

🎁 Download our FREE Social Security Guide
A complete breakdown of claiming strategies, spousal and survivor benefits, Social Security taxation, and the key factors to consider when deciding when to start your benefits.
👉 https://moneyevolution.com/social-security-guide/?utm_source=facebook

🎁 Download our FREE Medicare Guide
A complete breakdown of Medicare enrollment periods, coverage options, Medigap, Part D, IRMAA, HSAs, and the key decisions to make as you approach age 65.
👉 https://moneyevolution.com/medicare-guide/?utm_source=facebook

🎁 Download our FREE Retirement Launch Kit
Three Simple but Powerful Tools to Get Your Retirement Ready.
👉 https://moneyevolution.com/retirement-launch-kit/?utm_source=facebook

10/26/2026

How a Cash Flow Bucket Strategy Can Help in Retirement

A cash flow bucket strategy can help organize where your retirement income is going to come from. The first bucket is typically focused on cash and other relatively stable assets, such as money markets, bank savings, and CDs. These can provide income for your retirement expenses without having to worry as much about market fluctuations. Having this first bucket in place can give you a more predictable source of cash flow while the rest of your portfolio remains invested for longer term needs.

10/25/2026

The Retirement Time Machine: A Standalone Financial Plan

https://www.RetirementTimeMachine.com
Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money

Our Retirement Time Machine is a one on one financial planning program that's completely separate from where you choose to invest your money. You can actually keep your investments wherever you want while we build the financial plan for you. If you want to learn more, you can visit our website and schedule a free introductory call with me to ask questions, discuss your situation, and see if the program is a good fit.



Ready to start building your plan?
👉 Check out the Retirement Time Machine: https://www.RetirementTimeMachine.com

10/25/2026

How Ordinary Income Can Reduce Your 0% Capital Gains

The 0% long term capital gains tax bracket can be a valuable retirement tax planning opportunity, but there's an important detail that often gets overlooked: ordinary income gets stacked first. For example, if you're taking IRA distributions, receiving taxable Social Security benefits, or earning interest income, that income can use up some or all of the room available in the 0% capital gains bracket. Simply keeping your long term capital gains below the threshold doesn't automatically mean you'll pay 0% tax on them.

10/23/2026

Curious about where to put your aggressive investments? Roth accounts often lead the way for higher long-term growth. On the flip side, more conservative investments like CDs and bonds typically find a safer home in traditional retirement accounts. Understanding this can make a big difference in your financial future.

10/22/2026

Why Gross and Taxable Income Both Matter in Retirement

When you're building a retirement income plan, it's important to keep track of both your gross income and the amount that's subject to ordinary income tax. Those two numbers help you understand not only what your tax situation may look like, but also how much money you'll have available to spend on your retirement expenses. The goal isn't just to manage taxes, but it'sactually to make sure your income and withdrawal strategy supports the lifestyle and spending needs that are important to you.

10/21/2026

How Roth Conversions Can Help Fill Your Retirement Tax Gap

Roth conversions can be especially valuable in the years after you retire and before required minimum distributions become a bigger part of your tax picture. If your retirement spending needs are being covered with a combination of taxable accounts and traditional retirement accounts, there may be room between the income you need for your lifestyle and the top of your current tax bracket. That extra room may give you an opportunity to proactively convert money from a traditional IRA or 401K into a Roth account. I explain how this can work as part of a broader retirement withdrawal and tax strategy. Rather than waiting until required minimum distributions force more taxable income onto your tax return later, you might be able to intentionally recognize some of that income today through a Roth conversion. The goal might be to fill up a particular tax bracket, stay below a Medicare IRMAA threshold, or simply move more money into an account that can grow tax free. Qualified Roth distributions can also come out tax free, which can give you more flexibility when managing retirement income in future years.

10/20/2026

The Hidden Tax Risk of Holding Individual Stocks

Buying individual stocks can be exciting, especially when you own a company that's performed well, but holding those stocks for the long term can also present some challenges when you're planning for retirement and thinking about passing assets on to your children. You might want to hold an appreciated stock to potentially receive a step up in cost basis at death, but what happens if the company's outlook changes or you decide it's time to sell? That could leave you facing a significant capital gain and an unexpected tax bill. Broadly diversified index funds or mutual funds can help reduce some of the company specific risks that may force you to sell an individual stock before you originally planned. Understanding how your investments, capital gains, and estate planning goals work together can be an important part of your overall retirement tax strategy.

Thank you for 5,000 Facebook followers!It means a lot to me knowing that our content is reaching more people who are thi...
10/19/2026

Thank you for 5,000 Facebook followers!

It means a lot to me knowing that our content is reaching more people who are thinking seriously about their financial future. I believe everyone deserves access to straightforward, practical information that helps them understand their options and make informed financial decisions. As this community continues to grow, I'm looking forward to tackling more of your questions, exploring important retirement topics, and helping you navigate decisions that can make a real difference in your retirement plan.

Thank you,
Bill

Address

21 East Long Lake Road, Suite 104
Bloomfield Hills, MI
48304

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Money Evolution posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Money Evolution:

Shortcuts

Share

Category