JML Financial Group, Inc

11/02/2026

Social Security, a pension and investment income can add up to a bigger tax bill in retirement than many people expect. Is there anything you can do about it?

In this clip from The Heart of Your Money, Joe Yocavitch shares two strategies we often discuss with clients. The first is what Joe calls the dribble effect: converting a little at a time from a traditional IRA to a Roth IRA, in years when your tax bracket may be lower, instead of a lot at once. The second is charitable giving.

Want to see whether these strategies may fit your plan? Schedule a 15 or 30 minute call with our team at https://jmlfinancialgroup.com/schedule/, at no cost.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

JML Financial Group does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance

Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.

10/30/2026

Is a tax time bomb waiting in your retirement accounts?

For many retirees, the IRS requires withdrawals from traditional IRAs and 401(k)s every year starting at age 73. These are called required minimum distributions, and you pay income tax on them whether you need the money or not.

In this clip from The Heart of Your Money, Joe Yocavitch asks a simple question: do you think taxes will be higher or lower in the future? Many of the people he sits down with say higher. Watch the clip to hear why that matters, then listen to the full episode.

Want to talk through your own tax picture? Schedule a 15 or 30 minute call with our team at https://jmlfinancialgroup.com/schedule/, at no cost.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

JML Financial Group does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance

10/28/2026

When we build a retirement income plan, we also ask one question: what happens if one spouse needs care?

If one of you moves into a facility or needs care at home, is there enough money for the healthy spouse to keep living the life you are used to? And how do you keep the burden from falling on your children?

In this clip from The Heart of Your Money, Joe Yocavitch explains why these questions belong in every plan, and shares a conversation he had just days before the show.

Want to talk this through for your own family? Schedule a 15 or 30 minute call with our team at https://jmlfinancialgroup.com/schedule/, at no cost.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

Any references to protection or steady and reliable income streams refer only to fixed insurance products. References to protection can also refer to estate planning. They do not refer, in any way, to securities or investment advisory products.

10/26/2026

The longer we live, the greater the chance that one day we will need help with everyday activities, whether that's help at home, memory care or a nursing home. And one question affects nearly every family: who is going to provide the care, and who is going to pay for it?

In this clip from The Heart of Your Money, Joe Yocavitch explains why he makes sure this conversation happens with every couple he works with, especially for wives, who often outlive their husbands. He has seen it with his own parents.

Watch the clip, then listen to the full episode.

Want to make sure your plan covers this? Schedule a 15 or 30 minute call with our team at https://jmlfinancialgroup.com/schedule/, at no cost.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

10/23/2026

Many people assume Medicare will pay for long-term care. Joe has a number that surprises a lot of families.

In this clip from The Heart of Your Money, Joe Yocavitch explains that someone turning 65 today has almost a 70 percent chance of needing some type of long-term care, according to the U.S. Department of Health and Human Services. Medicare pays only for limited skilled care, not the ongoing help with everyday activities that many retirees eventually need.

Watch the clip, then listen to the full episode to hear why Joe raises this early in his planning conversations.

Want to talk through your own plan? Schedule a 15 or 30 minute call with our team at https://jmlfinancialgroup.com/schedule/, at no cost.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency.

Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.

10/07/2026

Health care and long term care costs are often the piece of retirement planning people think about last, but they can affect a retirement plan more than almost anything else. Between managing taxes, keeping pace with inflation, and preparing for the possibility of long term care, there is a lot to think through. In this clip, we talk about the concerns worth addressing so you do not become a financial burden on your family. Want to talk through your own plan? Schedule a 15 or 30 minute call with us at no cost at https://jmlfinancialgroup.com/schedule/, and check out the full episode for more.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

09/29/2026

A lot of people spend decades putting money into IRAs, 401ks, and 403bs. But here is the part nobody talks about enough. That money has to come out eventually, and required minimum distributions start around age 73. That means taxes you may not be expecting. The five years leading up to retirement are when this planning really counts. Watch this clip to hear more on why timing matters so much. Curious how this applies to your situation? Schedule a 15 or 30 minute call with us at no cost at https://jmlfinancialgroup.com/schedule/, and be sure to listen to the full episode.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

09/17/2026

Social Security and a pension can cover a lot, but for most people, there's still a gap between what comes in and what retirement actually costs. In this week's episode of The Heart of Your Money, Joe Yocavitch talks about the three things every retirement income plan should aim for: not running out of money, keeping taxes as low as possible, and not becoming a burden on your family.

Watch the clip to hear how guaranteed income strategies can help fill that gap, then listen to the full episode for the rest of the conversation.

Curious how this could work in your own plan? Schedule a 15 or 30 minute call with our team at https://jmlfinancialgroup.com/schedule/, at no cost.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

09/15/2026

Ever notice how you spend more money on Saturdays and Sundays than any other day of the week? Now imagine every day of retirement feels like a Saturday. That is the shift Joe Yocavitch talks about in this week's episode of The Heart of Your Money, and why longevity, healthcare costs, inflation, and taxes all show up differently once the paychecks stop.

The good news? A solid plan does not have to be complicated. Watch the clip, then listen to the full episode to hear how we build these plans for the families we work with.

Ready to build your own plan? Schedule a 15 or 30 minute call with our team at https://jmlfinancialgroup.com/schedule/, at no cost.

Securities and investment advisory services offered through Integrity Alliance, LLC, Member SIPC. Integrity Wealth is a marketing name for Integrity Alliance, LLC.
JML Financial Group, Inc is not affiliated with Integrity Wealth

09/15/2026