Justin Waring

Justin Waring, Head of UBS Wealth Way Strategy and Solutions, dives into year-end planning strategies for retirement and tax savings. He discusses key changes coming in 2025, including the One Big Beautiful Bill Act. Justin introduces concepts like tax diversification and the Savings Waterfall, and shares tips on loss harvesting and charitable distributions. He emphasizes the importance of charitable bunching before 2026 rule changes and highlights practical steps to avoid pitfalls in financial planning. This conversation is packed with actionable insights for every stage of retirement!

Justin Waring, wealth planning and borrowing strategist, and Dan Scansaroli, portfolio construction expert, discuss selling investments versus borrowing to raise cash. They compare true costs, historical case studies, tax impacts, loan types, and risks like margin calls. Practical tradeoffs and when borrowing may outperform selling are explored in concise, actionable terms.

Join retirement experts Justin Waring and Ainsley Carbone as they unveil key changes in retirement savings set for 2026 under the SECURE 2.0 Act. Justin explains how high earners will need to make Roth catch-up contributions, ensuring taxes are paid upfront. Ainsley contrasts the benefits of Roth versus pre-tax options, emphasizing the importance of tax diversification. They also discuss strategic planning techniques, including timing distributions and making intentional catch-up choices, to navigate this new landscape effectively.