The Roth Guy with Jude Wilson

Protecting What You Care Most About

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Building wealth is important but protecting it can be just as critical. In this episode, Jude explains why a strong financial plan goes beyond investments and includes the safeguards needed to protect your family, your wishes, and your legacy. He explains how small oversights today can lead to major complications later and why protection planning deserves more attention than it often receives.
Here’s some of what we discuss in this episode:
🛡️ Risk Protection: Safeguarding what matters most
❤️ Legacy Planning: Life insurance beyond income replacement
📋 Beneficiary Review: Simple updates with big consequences
📜 Estate Planning: Trusts, titling, and avoiding mistakes
👨‍👩‍👧 Family Support: Helping loved ones navigate transitions
⚠️ Asset Protection: Managing risk in a litigious world
 
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Centrus GPS 5 Pillars Document
5 Worlds of Holistic Financial Planning Document
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

From First Conversation To Being A Client- Here’s How We Work

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, Jude walks through what it actually feels like to work with a firm like Centrus Financial- from the first conversation to ongoing guidance- so you know what to expect. Every firm can tell you what they do. We'd rather show you. If anything we talked about today sounds like the kind of relationship you've been looking for, let’s have a conversation.
Here’s some of what we discuss in this episode:
🧭 GPS Process: The five pillars of planning
📋 Planning First: Why investments come second
🎯 Client Discovery: Building a plan around your why
🚦 Ongoing Guidance: Communication beyond onboarding
👨‍👩‍👧 Life Changes: Adapting through every stage
🧠 Behavior Coaching: More than investment advice
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Centrus GPS 5 Pillars Document
5 Worlds of Holistic Financial Planning Document
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

The Financial Side of Taking Care of the People You Love

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Most people think financial planning is about growing wealth. But when life takes an unexpected turn, the real question becomes much more personal: will the people you love be okay? In this episode, Jude shares why true financial planning goes far beyond investments and returns. He explores what real financial protection actually looks like and how having a plan in place can completely change a family’s future.
Here’s some of what we discuss in this episode:
❤️ Financial Planning Is About People: Real planning focuses on protecting loved ones, not just growing assets
🛡️ Risk Management Matters: Good planning prepares families for unexpected life events and financial disruptions
📄 Beneficiary Mistakes: Simple oversights can create major unintended consequences later
⏳ Long-Term Care Can Reshape Retirement: Healthcare costs can quietly erode wealth without proper planning
🧭 Trusted Advisors Bring Clarity: Families often need guidance most during emotional and uncertain seasons
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Centrus GPS 5 Pillars Document
5 Worlds of Holistic Financial Planning Document
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

You Meet With Your Advisor Once a Year - Are You Making the Most of It?

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Most folks meet with their financial advisor once a year. That meeting can be one of the most valuable hours in your financial life… when it’s used well. Today, Jude shares what an annual review often looks like when it’s limited to surface-level topics, and what it can look like when it’s approached more holistically.
 Don’t view your annual review as just a formality. Come ready for a real conversation!
Here’s some of what we discuss in this episode:
⚠️ One-Topic Trap: Reviews shouldn’t just cover investments
🧩 Full Picture: Income, taxes, estate, and risk all matter
🔄 Plans Evolve: Adjust based on life and markets
💬 Real Dialogue: Engagement helps build better outcomes
🧭 Trust Builds: Strong relationships can help improve decisions
 
Centrus GPS 5 Pillars Document
5 Worlds of Holistic Financial Planning Document
 
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

A New Plan to Fix Social Security Would Hurt High Earners

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Today, Jude dives into a hot topic: a new proposal that could shake up Social Security for high earners. The plan could change how benefits are structured, and while it aims to address the program’s future, it’s raising some eyebrows. Jude breaks down what this means for your retirement planning and how you can stay ahead of the game. Tune in for a quick rundown of what’s at stake and how to plan for it.
Here’s some of what we discuss in this episode:
🔑 Social Security Change: Proposal to cap benefits could affect high earners
💡 Insolvency Risk: 24% cut by 2032 unless action is taken
📊 Capping Benefits: $50K for individuals, $100K for couples
🧠 Proactive Planning: Focus on strategies beyond Social Security
🎯 High Earners: Potential impacts and the need for means testing
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

You've Managed Your Own Money Successfully - Why Would You Need an Advisor Now?

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
If you’ve managed your own money successfully over the years, you may be asking, why bring in an advisor now? After all, you’ve done the hard part: saving, investing, and growing your portfolio. But as retirement approaches, the game changes in ways most people don’t expect. Jude uncovers the key difference between building wealth and living off it, and how the right guidance can help you protect everything you’ve worked for.
Here’s some of what we discuss in this episode:
⛰️ The Financial Mountain: Building wealth is very different from spending it
🔄 Distribution Phase: Income, taxes, and timing become much more complex
⚠️ Hidden Risks: Small mistakes can have lasting consequences in retirement
🧠 Professional Insight: Experience helps navigate decisions you’ve never faced before
🎯 Bigger Picture: Retirement planning goes far beyond investment performance
 
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

Common Retirement Myths And Why They’re Dangerous

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Some retirement beliefs sound harmless, but they can quietly derail your entire financial plan. In this episode, Jude tackles five of the most common retirement myths that continue to trip people up year after year. Why do these ideas stick around, and what happens when real life doesn’t match the assumption? Tune in to avoid costly surprises and make clearer decisions heading into retirement.
Here’s some of what we discuss in this episode:
📘 Overbuilt Financial Plans: More pages don’t mean better outcomes
💔 Survivor Income Needs: Why expenses rarely drop in half
🛡️ Social Security Reality: Supplement vs. full income replacement
💸 Retirement Taxes: Why brackets don’t always fall
🎯 Decision Complexity: Why retirement choices often get harder
 
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

2026 Tax Changes You Need To Know

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
New tax rules for 2026 bring meaningful opportunities- but only if you understand the fine print. In this episode, Jude breaks down two of the most overlooked changes: the new senior tax deduction and updated catch-up contribution rules. We clarify who qualifies, how income phase-outs work, and why these provisions can open the door for smarter Roth strategies.
Here’s some of what we discuss in this episode:
🧓 Senior Tax Deduction – $6,000 per person, with income phase-outs
💍 Married Planning Window – Up to $12,000 in additional deductions
🔄 Roth Conversion Strategy – Using deductions to offset conversion taxes
🧾 Catch-Up Contribution Changes – New limits and Roth requirements
🚨 Super Catch-Up Window – Ages 60–63 only (with strict rules)
U.S. Debt Clock:
https://www.usdebtclock.org/
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

The X’s and O’s of Buying or Selling a Business in Retirement with George Rosen and George St Pierre III

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
We’re excited to be back today with George Rosen and George St Pierre III of Contango Investments, Inc., to dive deeper into what it really takes to buy or sell a business as part of a retirement strategy.
In part two of this conversation, the Georges walk through the practical X’s and O’s- from self-assessment and financing realities to SBA loan requirements, due diligence, and why geography and cash flow matter more than most people realize. They also flip the script to the seller’s side, explaining how advance planning and building a strong advisory team can dramatically increase business value.
Here’s some of what we discuss in this episode:
🔍 Self-assessment before buying a business
💰 SBA financing, cash flow & debt service coverage
📍 Why location and owner involvement matter
🧾 Due diligence and avoiding costly missteps
🚪 Exit planning that increases long-term value
🧠 The power of a coordinated advisory team
Contango Investments:
Website: https://contangoinvestments.com/
LinkedIn: https://www.linkedin.com/company/741644/admin/dashboard/
Facebook: https://www.facebook.com/Contangoinvestmentsinc
Instagram: https://www.instagram.com/contango_investmentinc/
X:  https://x.com/biz_broker
George Rosen:
LinkedIn: https://www.linkedin.com/in/floridabusinessvaluations/
 
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

Why More Retirees Are Becoming Business Owners with George Rosen and George St Pierre III

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
More and more retirees and pre-retirees are looking to leave corporate life not to slow down, but to buy a business and build something of their own. In this episode, Jude sits down with George Rosen and George St Pierre III of Contango Investments, Inc. to explore why business acquisitions are booming, what makes today’s market so unique, and how to tell if buying an existing business is the right path for you. They share real success stories, walk through the due diligence process, explain common pitfalls of going solo, and break down what buyers truly need in order to thrive.
 
Here’s some of what we discuss in this episode:
💼 Why so many retirees are buying businesses
🌊 The “silver tsunami” creating business opportunities
🧩 Matching the right buyer with the right business
📝 The importance of due diligence
🚫 The pitfalls of DIY business buying
 
Contango Investments:
Website: https://contangoinvestments.com/
LinkedIn: https://www.linkedin.com/company/741644/admin/dashboard/
Facebook: https://www.facebook.com/Contangoinvestmentsinc
Instagram: https://www.instagram.com/contango_investmentinc/
X:  https://x.com/biz_broker
George Rosen:
LinkedIn: https://www.linkedin.com/in/floridabusinessvaluations/
 
CONNECT 🤝
Facebook: https://www.facebook.com/CentrusFinancialStrategies/
X: https://x.com/centrusfs?s=21
LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/
 
CONTACT ☎
Centrus Website: https://centrusfs.com/podcast/
The Tax Bomb Website: https://thetaxbomb.com/
Call: 800-779-4592
Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min
Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/
Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true