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The Paradigm Wealth Partners YouTube Channel

Our YouTube channel is designed to offer friendly, digestible videos covering today’s most asked questions and common topics.

Book a Free Retirement Strategy Call With Me: https://go.oncehub.com/JonathanBednarZoomMeeting The month you choose to retire could have a much bigger impact on your retirement than you realize. Most people plan retirement around a specific year or age—but retiring in January versus December could significantly change your first-year tax bill, Social Security taxation, Medicare premiums, and opportunities for Roth conversions. In this video, Jonathan Bednar, CFP® and founder of Paradigm Wealth Partners, explains why your retirement month matters and how timing your retirement strategically could create valuable tax-planning opportunities. We break down how your wages, pension, Social Security, and retirement withdrawals can stack together in your first year of retirement, potentially pushing you into a higher tax bracket. You'll also learn how your income can affect Medicare IRMAA surcharges two years later and why the early years of retirement can provide an important window for Roth conversions. Plus, we'll walk through an example of a couple with a $1.2 million portfolio and show how changing nothing except their retirement month can dramatically change their retirement tax picture. If you're approaching retirement and want help determining the right timing based on your income, pension, Social Security, and overall retirement plan, use the link below to schedule a call with Paradigm Wealth Partners. #RetirementPlanning #Retirement #RetirementTaxes #RothConversion #SocialSecurity #Medicare #IRMAA #TaxPlanning #FinancialPlanning #RetirementStrategy
The Month You Retire Matters. Here's Why.
Nearly 45% of retirees are projected to run out of money — at least, that’s what a recent Morningstar headline might have you believe. But that number doesn’t mean what most people think it means. In this video, we break down the research behind the 45% statistic and explain what Morningstar actually defines as a retirement “funding shortfall.” More importantly, we look at the factors that can dramatically change your own risk of running out of money in retirement. We’ll cover how your retirement age can impact your chances of a shortfall, why decades of consistent retirement saving can completely change the picture, and why national retirement statistics don’t necessarily reflect your personal situation. For example, the study found that delaying retirement from 65 to 70 could reduce projected shortfall risk from roughly 45% to 28%. Households with 20+ years of consistent workplace retirement plan participation saw dramatically better outcomes as well. If you're approaching retirement and wondering, “Do I have enough money to retire?”, the answer shouldn't come from a scary headline. It should come from running your actual numbers and building a retirement plan around your income, investments, Social Security, spending, taxes, and retirement timeline. Watch until the end to understand what the 45% statistic really means — and why your retirement could look very different from the national average. #Retirement #RetirementPlanning #RetirementIncome #FinancialPlanning #RetirementSavings #SocialSecurity #Investing #RetirementStrategy #FinancialAdvisor #RetireEarly Book a Free Retirement Strategy Call With Me: https://go.oncehub.com/JonathanBednarZoomMeeting
The Real Reason 45% of Retirees “Run Out of Money” & Why the Number Is Misleading You
Book a Free Retirement Strategy Call With Me: https://go.oncehub.com/JonathanBednarZoomMeeting Required Minimum Distributions (RMDs) can seem straightforward, but a few common assumptions can lead to costly mistakes. In this video, Jonathan Bednar, CFP® at Paradigm Wealth Partners, breaks down 3 RMD rules retirees often get wrong without realizing it — from how RMDs work between spouses to which retirement accounts can be combined and what happens when you roll over a 401(k) after reaching RMD age. You’ll learn why each spouse must satisfy their own RMD, the different aggregation rules for IRAs, 401(k)s, and 403(b)s, and why an RMD generally needs to come out before completing a rollover. Understanding these rules ahead of time can help you avoid unnecessary penalties and make more informed decisions with your retirement income strategy. If you’d like a second set of eyes on your RMD strategy, use the link in the description to connect with Paradigm Wealth Partners. #RetirementPlanning #RMD #RequiredMinimumDistributions #RetirementIncome #FinancialPlanning #RetirementStrategy #401k #IRA #RetirementTips #WealthManagement
3 RMD Rules Retirees Break Without Realizing It

🎙️ The What the Wealth Podcast

Join our host, Jonathan Bednar, as he dives deep into the world of wealth management. Each episode features professional insights, actionable strategies, and inspiring stories. Whether you're just starting out or looking to fine-tune your financial plan, our podcast provides valuable guidance tailored to your needs.

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📚 Must-Read Books by Paradigm Wealth Partners

Our experience isn't just in managing wealth—it's in sharing knowledge.

Check out our bestselling books, packed with insights and strategies to help you build and manage your wealth.


What The Wealth - A Guide to Financial Clarity for Professionals and Families - Navigating the various stages of life is complex, especially when it comes to money management. In What The Wealth?! CERTIFIED FINANCIAL PLANNER™ Professional Jonathan P. Bednar, II breaks down those complexities and makes the concepts of money easy to understand. An avid investor and business owner, Jonathan talks about how to attain financial freedom and "Create The Life You Love®" free from anxiety about money.

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What The Wealth – Identify Your Core Values, Reignite Your Dreams, and Combat the 5 Big Retirement Risks - Let's face it, retirement is hard. You're not alone if you feel like you don't know what to do with your money and how to make it last. This book teaches you how to harness your dreams and combat the 5 Big Retirement Risks®️ so you can be confident in your retirement.

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✏️ The PWP Blog

Your go-to resource for wealth management and retirement planning insights.

Expiring ACA Subsidies: What Retirees Under 65 Need to Know

Retiring Before 65: The Healthcare Gap prior to Medicare Retiring before age 65 can be exciting. You finally have...

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Turning Your Nest Egg into a Retirement Paycheck

The 6-5-4 Retirement Bucket Strategy One of the most common questions we hear from pre-retirees is: “How do I...

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Son helping elderly mother in wheelchair — inherited IRA to Roth IRA strategy for creating tax-free retirement wealth

How to Turn a Beneficiary IRA into a Tax-Free Retirement Strategy

How We Turned a $52,000 Beneficiary IRA into a Tax-Free Retirement Strategy Introduction: The Power of Strategic Planning John...

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