The Financial Harmony™ Podcast
The Financial Harmony™ Podcast with Dr. Preston Cherry blends real financial strategy, retirement planning, and money psychology for people who want clarity without chaos. Hosted by Dr. Cherry, CFP®, Ph.D., and financial therapist, the show delivers grounded insights on investing, taxes, and aligning money with life.
Each week, Dr. Cherry shares clear, grounded insights on retirement planning, investing, tax strategy, and decision-making, alongside honest conversations about money behavior, identity, and well-being.
This show helps you reduce financial stress, make confident decisions, and align your money with the life you want to live. You’ll learn how to invest smarter, spend without guilt, and build wealth that reflects your values, not just your numbers.
No finance-bro energy.
No rage-based hot takes.
No performative advice.
Just calm authority, psychological insight, and real financial guidance for navigating markets, transitions, and life with intention.
Get 1:1 all-inclusive flat-fee financial planning, or go deeper through the Financial Harmony™ Membership for group-based fiduciary guidance, education, workshops, and community.
Live your wealth, your way.
The Financial Harmony™ Podcast
Stop! Don’t Convert to Roth Until You Watch This (or you’ll overpay)
Ready for a personalized plan? Book your FREE retirement readiness call 👉 https://www.concurrentfp.com/
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Roth conversions can be a tax win - or an expensive mistake.
In this episode, Dr. Preston Cherry (Financial Planning Ph.D., CFP®, Top 10 Investopedia Advisor, Founder of Concurrent Wealth Management) shows exactly when conversions work, when they don’t, and how to size yours without tripping Medicare IRMAA, ACA subsidy cliffs, or phaseouts.
You’ll learn the “retirement tax valley” timing, how to calculate your conversion room, and the guardrails that keep a smart move from turning costly.
This isn’t about hacks. It’s about aligning taxes, timing, and your life- so you build durable, tax-free income with confidence.
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What You’ll Learn in This Video👇
✅ The 3 rules for a winning Roth conversion (rate arbitrage, income smoothing, no surcharge surprises)
✅ “Retirement tax valley”: the window after work, before SS/RMDs when conversions shine
✅ How to calculate this year’s conversion room (“fill, don’t spill”) and pay tax without penalties
✅ Law changes to watch: wider lower brackets vs. hidden phaseouts that raise your effective rate
✅ IRMAA & ACA tripwires: how $1 over a tier can add $3,000 - $6,000 in premiums next year
✅ Pro-rata rule (Form 8606), asset location after you convert, and the Dec 31 hard deadline
✅ Case study: multi-year plan → lower lifetime taxes, fewer surcharges, bigger ending Roth
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Who Is This Video For?
📌 Gen X & Boomers in their 50s - 60s eyeing conversions in the gap years
📌 High earners with RSUs/bonuses who don’t want to overpay by converting in peak years
📌 DIY planners who want a clear formula and simple guardrails
📌 Couples planning Social Security/RMD timing and survivor tax exposure
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Ready for a personalized plan? 👉 Book your FREE retirement readiness call: https://www.concurrentfp.com/
Subscribe for weekly, data-driven retirement strategies👇
YouTube: @DrPrestonCherry
Take the Gen X Retirement Readiness Quiz 🚨
https://concurrentfp.typeform.com/genx-scorecard
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