Justin Waring

Justin Waring, a Senior Total Wealth Strategist at the UBS Chief Investment Office, joins the discussion on the often-overlooked action bias in investing. He and Katie Williams delve into how emotional reactions can derail smart financial decisions and emphasize the importance of a long-term perspective. They share strategies to combat impulse decisions and illustrate how structured planning can enhance investment outcomes. Waring also highlights the psychological benefits of financial products like annuities, particularly for those nearing retirement.

In this enlightening discussion, Justin Waring, a Senior Total Wealth Strategist at UBS, shares crucial insights for retirees on managing taxes effectively during withdrawals. He introduces the intriguing 'spending waterfall' strategy, emphasizing tax deferral and its implications for future financial health. The conversation explores essential tax strategies like capital gains management and Roth conversions. Waring highlights the benefits of personalized withdrawal plans and the importance of working closely with financial advisors to optimize retirement lifestyles.

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!