Ainsley Carbone, a Retirement Strategist at UBS, and Justin Waring, a Senior Total Wealth Strategist at UBS, tackle essential insights for retirement planning in 2025. They discuss key updates on Medicare premiums and Social Security adjustments, alongside new contribution limits for retirement accounts. Ainsley and Justin highlight the importance of liquidity management and tax-efficient withdrawals to prepare for escalating healthcare costs. They also navigate changes in estate tax policies, underscoring the need for strategic planning as retirement landscapes evolve.

Ainsley Carbone, a Retirement Strategist with tax management expertise, and Justin Waring, a Senior Total Wealth Strategist, dive deep into capital gains tax implications. They discuss whether to harvest gains now at lower rates amid potential tax hikes. The conversation highlights proposed changes affecting high-income families, including a billionaire minimum tax. Strategies to optimize wealth through tax management are shared, such as donating securities and family gifting, emphasizing the importance of personalized advice in navigating these complexities.

Join Ainsley Carbone, a seasoned Retirement Strategist, Justin Waring, a savvy Senior Total Wealth Strategist, and Katie Williams, a Discovery Strategist, as they delve into how to manage company stock within a financial strategy. They discuss the risks of concentrating wealth in one stock and the vital need for diversification. Expect insights on emotional biases in investing and strategies to counter them, ensuring sound financial decisions. This conversation is a treasure trove for anyone wanting to elevate their investment game!

Justin Waring and Ainsley Carbone discuss the nuances of traditional and Roth accounts, covering contribution methods, tax implications, and retirement distribution strategies. They emphasize the importance of understanding account rules and individual financial circumstances for optimal decision-making.

UBS Chief Investment Office experts Justin Waring and Ainsley Carbone discuss strategies to prepare for potentially higher taxes in the US, including income tax, capital gains tax, and estate tax. They cover topics such as tax-efficient savings strategies, gain harvesting, tax-deferred accounts, estate tax exemption changes, tax-efficient gifting, and retirement planning in the face of potential tax hikes.