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Retirement Planning - Redefined

Retirement Planning - Redefined

By: John Teixeira and Nick McDevitt
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 Financial and retirement planning guidance from Certified Financial Planner John Teixeira and Nick McDevitt of PFG Private Wealth Management in the Tampa Bay, FL area. On this show, you'll learn about how the financial and retirement world has evolved over the past several decades, how to properly plan for your own future, and some of the important pitfalls to avoid. PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.Copyright John Teixeira and Nick McDevitt Economics Personal Finance Politics & Government
Episodes
  • What Is Net Unrealized Appreciation (NUA)?

    What Is Net Unrealized Appreciation (NUA)?
    Feb 4 2026

    This episode takes a deep dive into Net Unrealized Appreciation (NUA), a little-known tax strategy that could significantly reduce taxes on company stock held inside a 401(k). John and Nick explain how NUA works, who it’s best suited for, and the key rules and timing considerations that can make or break the strategy. If you’ve accumulated employer stock and want to be more tax-efficient heading into retirement, this conversation will help you decide whether NUA deserves a closer look.

    Helpful Information:

    PFG Website: https://www.pfgprivatewealth.com/

    Contact: 813-286-7776

    Email: info@pfgprivatewealth.com

    Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.
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    17 mins
  • 2025 Year In Review: What Actually Mattered for Your Money

    2025 Year In Review: What Actually Mattered for Your Money
    Dec 30 2025
    A lot happened in 2025… Big political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But what actually matters for your financial life? Today, we’re breaking down the year’s biggest headlines and what they may mean for your plan moving forward. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Marc: A lot happened in 2025, big political swings, stubborn inflation, new tax rules, and an historic government shutdown. But we're going to talk today about the biggest headlines and what they actually mean moving forward, if at all. So, stick around and let's get into this conversation here on Retirement Planning Redefined. Everybody, welcome into the podcast with John and Nick and myself here to talk investing finance and retirement, and a little year-end review going on this week here on the podcast, guys. A lot happened this year, so a lot to break down, but we'll jump in and say hey to the guys. And congratulations, Nick, on being a married fellow this time around. Nick: Thank you. I appreciate it. Marc: Yeah, everything go smoothly? Nick: Yep, everything went smooth. We had a little rain scare, which doesn't usually happen too much this time of year, but it all worked out. Marc: Nice. Very nice. John, did he behave himself? Was he good? John: He was good. I pulled up to the venue. He looked very relaxed in shorts and a t-shirt and I was all decked out and there was a problem with the situation here. He was very chill and I was dressed up way too early. Marc: Nice. John: So, no, he was excellent. He was very happy and it was a good day all around. Marc: Awesome. Well, very cool. Congratulations to you again, and the misses. And then with that, let's jump in and roll back the clock a little bit, guys, to April of 2025. Here we'll start there with the Liberation Day, right? So, the market didn't like it at first. So, let's talk about that. Nick: Yeah. So, this is all kind of in reference to when the main tariffs were announced earlier this year. And really, kind of the thought process is to kind of look back and in retrospect in a somewhat recent time, look back and see things that may have freaked people out over the past year when it was kind of an acute situation, and then kind of the short-term results and then slightly longer term result. And so, when the tariffs were announced, there was massive drawdowns in the market. There was really a substantial pullback. There was dealing with inflation, market volatility, etc. And in retrospect, looking back over this year itself, as we approached the end of the year, from a market perspective, ended up being a very positive year. And then when you look at it from the point in time at which we kind of bottomed out after the tariff news and there was a substantial drawdown, there was really a big run-up. So, it's just kind of the perspective of what went down and how it happened is interesting to look back on. Marc: Well, John, if you think about it, right, much like the COVID response, it was very much a V, right? So, it was a lot of sky is falling, doom and gloom, down 20% some indices, but then what, by May or June at the latest, it was back. John: Yeah, it's a little bit of a kind of yo-yo type thing. I remember that month it was down, kind of some potential news came out that happened wasn't real news, kind of came up a little bit and then went back down. And ultimately, the big takeaway as you compare it to COVID is stay of the course. We harp on having the plan in place and that goes on top of your investment plan. So, if you have a specific allocation, if you're moderate, aggressive, conservative, income based, whatever it might be, you really want to not panic when things like this happen because ultimately, especially with media nowadays, there's a lot of knee-jerk reactions. So, I think a big takeaway from this is stay the course, don't panic, just trust in your plan if you've actually taken those steps to do a comprehensive plan for overall planning and also investment planning. Marc: And granted, it's ...
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    19 mins
  • Big Beautiful Bill Myths Debunked

    Big Beautiful Bill Myths Debunked
    Dec 18 2025
    Big tax law changes always bring big rumors. But before you assume Social Security is now tax-free or that you’re getting a $40K deduction just for breathing, let’s set the record straight on what this new bill didn’t actually do. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents. Speaker 1: The big tax law changes always bring rumors, so before you get too hyped up or worried about anything, we thought we'd have a little fun and debunk some of the Big Beautiful Bill myths this week on the podcast. Let's get into it. Hey everybody, welcome into Retirement Planning - Redefined with John and Nick from PFG Private Wealth. And one more time, we thought we would revisit the Big Beautiful Bill, the OBBBA conversation. I like saying OBBBA, it's just fun. The One Big Beautiful Bill Act. Guys, just kind of hopefully maybe dispel some of these things, continue to have questions all throughout the year as we're closing out the year we're just trying to knock down some of those worries or some of those fears that people still have. So let's set the record straight a little bit. We'll have some fun with this. You guys can be myth busters on this episode, if you will. John, what's going on my friend? How are you? John Teixeira: Not too much. Just wondering if Nick gave my phone number to a list because all of a sudden today I'm getting bombarded with, "Do you need a driveway cleaned?" And some random stuff. So I think I'm getting punked. Speaker 1: Oh man, it's that time of the year. It seems like spam calls have gone just through the roof for the last couple of months, so I don't know. Nick McDevitt: My hypothesis on that is I feel like businesses are slowing down and they're kind of going back to their- Speaker 1: They're getting creative too. Nick McDevitt: Yeah, they're going back to their list client lists or different marketing tools. I feel like I've gotten re-added or added to a hundred new email lists in the last three weeks. So it's interesting. Speaker 1: Yeah, it's a weird thing. And the text thing and the email, it's like they have so much access to you. Constantly getting stuff and of course the phones are always listening, so you just get all this weird stuff. But I'm with you, John, same thing. Would you like to sell your house? John Teixeira: No. Nick complained about it a couple of weeks ago and I was like, "I'm not getting too much." And all of a sudden I think he's like, "Well, if I got to deal with it, John's got it too." So. Speaker 1: Either that or your phone was listening and said, "Oh, you're not getting it? We'll get one, then. Here it goes." John Teixeira: It could be that one too. Speaker 1: All right, let's jump into a few myths. We'll have some fun here. Myth number one, Nick, Social Security is no longer taxed. Nick McDevitt: Kind of for some. So just like most things, there's nuance to it. If your income falls within the threshold of where single or married filing jointly and singles, I think the 75,000 married filing jointly is the 150, then you actually get a $6,000 tax credit to help offset taxes that you may owe on your social security income. But it's not something that line item wise is gone. So for most people, up to 85% of their social security income is includeable in their overall taxable income. So this is a way that that amount can get reduced dependent upon the overall situation. Speaker 1: So technically no, they did not remove social security tax, but they're for certain brackets in certain age groups for a couple of years, you can definitely reap a benefit. So do that. But yeah, it didn't go away unfortunately. Myth number two, John, the new tax law means tax cuts for everybody. John Teixeira: Unfortunately not for everybody. Like we talked about in the last episode, the senior citizen tax deduction above the age of 65 is those single will get six, joint will get 12, but that's not even for everyone above 65. Well, because if you income level's too high, you also don't qualify. So not for everybody. And then even the SALT deduction, which Nick went into last ...
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    12 mins
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