Smart Money Moves

A new savings account for kids is making headlines—but most families aren’t sure what it really is or how it fits into a real financial plan. In this episode of Smart Money Moves, Keith Collins breaks down the newly introduced Trump accounts for kids, including how they work, who qualifies, contribution limits, and how they compare to tools like 529 plans. The conversation explores where these accounts may complement ex...

Big changes are quietly reshaping retirement planning in 2026—and missing them could be costly. In this episode of Smart Money Moves, Keith Collins breaks down how current tax rules, market volatility, inflation, and longevity risk intersect for retirees and pre‑retirees right now. The conversation explores Roth conversions, gifting strategies, portfolio rebalancing, required minimum distributions, and why emotional decision‑...

Is claiming Social Security at 62 a smart move—or a costly mistake? In this episode of Smart Money Moves, host Keith Collins, founder of Keith Collins, Inc., unpacks the debate sparked by Dave Ramsey and explore the complex world of Social Security decisions. From risk management and longevity to spousal benefits, taxes, and the timing of Roth conversions, Keith shares practical insights for building a retirement strategy tha...

Ready to wrap up your year on a strong financial note? In this episode, Keith Collins of Keith Collins, Inc. walks through the essential end-of-year financial checklist—from maxing out retirement accounts and harvesting investment gains or losses to reviewing RMDs, charitable giving, and Roth conversions. Discover why these steps matter, how to avoid costly mistakes, and what to bring to your first financial consultation. Whe...

Is the American Dream still within reach—or has its price tag made it a luxury for the few? In this episode, Keith Collins of Keith Collins, Inc. breaks down the true cost of a fulfilling life in 2025, from homeownership and college to retirement and healthcare. Discover why $5 million is the new benchmark, how to prioritize competing financial goals, and what steps you can take to build a sustainable future. Whether you&rsqu...

Is your retirement plan built on outdated rules? From the 4% rule to the “magic number” for savings, this episode with Keith Collins challenges common financial advice and explores what really matters for your future. Discover why one-size-fits-all benchmarks may not fit your unique situation, how debt and healthcare impact retirement timing, and why flexibility is key. Keith breaks down the pros and cons of classic str...

What happens after the final at bat? Roman Anthony’s $230 million contract sparks a bigger conversation about sudden wealth, retirement planning, and the risks of instant gratification. In this episode, Keith Collins shares lessons from athletes and entertainers that apply to anyone planning for their financial future. Discover why structure, flexibility, and delayed gratification matter—whether you’re earning mil...

In this episode of Smart Money Moves, Keith Collins tackles how inflation—from groceries to healthcare—is reshaping retirement planning. He explores how to reassess your budget, identify true financial needs, and prepare for rising long-term care costs. With practical insights and a few laughs, this conversation helps listeners rethink what “retirement ready” really means in today’s economy.

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What if your retirement plan is missing a few crucial puzzle pieces? In this episode of Smart Money Moves, Keith Collins, founder of Keith Collins, Inc., demystifies retirement seminars. From Social Security timing to understanding Medicare and taxes, Keith shares what attendees can expect—and what to avoid. Learn how to prepare, what questions to ask, and how to spot red flags that signal a sales pitch. Whether you're n...

Keith Collins of Keith Collins Inc. talks about Qatar’s gift to President Trump of a 747 jet and relates that to the limits people have in gifting. He explains the limit people can receive annually, before taxes kick in. And Keith describes how children inheriting from their parents normally happens in their prime income years and can really impact their tax rates. So, Keith explains how people need to have a plan for declutt...

Keith Collins of Keith Collins Inc. comments on Investopedia’s findings that Americans should have $35,000 in an emergency fund and how the average person only had around $8,700. Keith explains how these numbers vary for each household and how people should consult a financial advisor to figure out the figures. Keith shares how a complimentary first meeting with him and his team will help people learn how long their money can...

Keith Collins discusses a big qualification of pre-tax retirement accounts: required minimum distributions. Keith defines RMDs and the age at which most kick in. He shares why they are mandated and to which accounts they apply. Keith also describes the complexity of individual situations and how an advisor like him helps people plan ahead for RMDs, so they are not surprised by a tax burden later.

When your assets are at stake, disc...

Keith Collins defines what 401(k)s and IRAs are, what they have in common, and the main differences between them. He also shares the limits they have in both annual contributions and when people can withdraw that money. Keith also shares the distinction about taxes with each one and why people should account for those. Keith also discusses his Boston sports teams and the directions each is trending.

When your assets are at stake, d...

In this episode, financial advisor Keith Collins discusses the financial planning challenges faced by adult children caring for aging parents. He emphasizes the importance of open communication about finances, the role of estate planning, and recognizing financial red flags that may indicate a need for assistance. Collins shares success stories of families he has helped navigate these complex issues, highlighting the significance o...

In this episode, Keith Collins delves into the intricacies of Social Security, a crucial component of retirement planning. He discusses the basics of Social Security, common misconceptions, strategies for claiming benefits, tax implications, and the importance of professional guidance in navigating retirement planning. Keith emphasizes the need for individuals to understand their options and make informed decisions to secure their ...

In this episode of Smart Money Moves, financial advisor Keith Collins breaks down the essentials of 401k plans, including the differences between traditional and Roth 401ks, the benefits of employer matches, and how to manage your 401k when changing jobs. He also discusses the implications of inheriting a 401k and explores other retirement plans like 403b and 457. This conversation aims to demystify retirement planning and empower ...

In this episode of Smart Money Moves, Keith Collins discusses the latest tax changes for 2025 and their implications for retirement planning. He explores how retirement income is taxed, strategies to minimize tax liability, the importance of understanding required minimum distributions (RMDs), and the tax implications of Social Security income. Keith shares insights on effective tax planning strategies and a success story of helpin...