3-7-26 Spousal Roth Contributions, Market Timing Challenges, and Understanding Investment Custodians

In this episode of Straight Talk on Retirement, Jeff takes listener questions while hosting the show solo and covers several practical retirement planning topics. The conversation includes how spousal Roth IRA contributions work when one partner is still employed, why timing investment changes inside retirement plans can be difficult, and what role a custodian plays in holding and reporting on retirement assets. Jeff also shares thoughts on managing cash reserves, evaluating portfolio adjustments during market uncertainty, and organizing retirement income distributions such as required minimum distributions and charitable giving.

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