Episode 20

Published on:

7th Apr 2022

Episode #20 - Where to stash some retirement cash: The Roth IRA

In Episode 20, we're talking about where to stash some retirement cash with Don Martini, CFP®, CFA of Envision Financial Planning, a firm based in San Francisco, CA.

The Roth IRA is a great little investment vehicle for retirement savings because of the tax-free benefits. We dive into all the details of:

  • Contribution limits for 2021 & 2022
  • Income Contribution Limits & Phaseouts
  • Required Minimum Distributions (RMDs) and the tax impacts
  • Minimizing Fees
  • Investment Options
  • Backdoor Roth IRAs
  • and where to open one

Per usual, before we dive in we enjoy some fluff with Don as he shares his world travel adventures, and what we wanted to be growing up.

To skip the fluff go to the 41:35 mark.


Full House house

The Rock (movie) 

Oracle Park

Cam Gallagher Catcher for the Kansas City Royals

RSUs (Restricted Stock Units)

Yellowstone (tv show)

Stranger Things (tv show)

Ozark (tv show)

Ted Lasso (tv show)

Yosemite National Park 

Mickey Mantle 

Machu Picchu

Don's Walk-up Song - “Song 2” by Blur  (confirmed after recording; great choice!)

Kyle Walk-up Song - “Forever Young” by Bob Dylan 

Episode # 17 “What Should you do with that old 401k?” w/ Ethan Hutcheson, AAMS®

What is a Roth IRA [Investopedia] 

Roth IRAs [IRS]

Individual Retirement Arrangements (IRAs) [IRS] 

IRA & Roth IRA Limits 2021 & 2022 

Sen. William Roth 

OLT (OnLineTaxes)

How to calculate your MAGI (Modified Adjusted Gross Income)

Vesting Schedule

Required Minimum Distributions (RMDs)

Tax Cuts and Jobs Act of 2017 (TCJA)

Government Spending to Blame for Inflation says the San Francisco Fed

Modern Monetary Theory (MMT)

Biden Wealth Tax Proposal (It’s insane…)

Op-Ed Biden Tax Proposal (WSJ) 

Elon Musk World's Richest Man

SECURE Act (2019)

SECURE Act 2.0 (Proposed)

Roth 401k RMDs

Morningstar Style Box



TD Ameritrade



Mutual Funds

ETFs (Exchange Traded Funds)

Target Date Retirement Funds

Glide Path

Warren Buffett’s bet with Protégé Partners

Warren Buffett’s instructions

How to calculate your 401k fees 

Expense Ratios

Roth Conversion

Backdoor Roth IRA

Aggregation Rule

5 Year Roth IRA Rules

Episode # 5 “How to Get Started Investing” w/ Rockie Zeigler III, CFP®

Nancy Pelosi’s $24,000 freezer full of ice cream



Don Martini, CFP®, CFA - Envision Financial Planning




XY Planning Network (XYPN),


FEE-ONLY Network

CFP Board

Alliance of Comprehensive Planners (ACP)

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC



Kansas City Financial Advisors Network (KCFAN)

XY Planning Network (XYPN),


FEE-ONLY Network

CFP Board


*This podcast uses sounds from freesound: Dry Transition by Electroviolence , Metal Door Slam Shut by ecfike, and Scream by ngrib

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About the Podcast

Personal Finance from the Hill-Top
Personal Finance for Gen X, Y & Z
There are plenty of retirement podcasts out there, but how many personal finance podcasts are focused on the issues that younger generations face? Personal Finance from the Hill-Top (PFFTHT) cuts through the confusing industry lingo to make it easy to digest and understand. Your host, Kyle Hill, a CERTIFIED FINANCIAL PLANNER™ professional and owner of Hill-Top Financial Planning, LLC (https://www.hilltopfp.com) dives into personal finance topics like: budgeting, saving, investing, student loans, insurance, taxes, and more. You'll get the information you need to know to help you make better financial decisions. You'll get interviews with industry experts. PFFTHT is on a mission to help grow generational financial independence. Join us today!

About your host

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Kyle Hill, CFP®

Kyle is a CERTIFIED FINANCIAL PLANNER™ professional and owner of Hill-Top Financial Planning, LLC, an independent financial planning firm that he started to help younger adults develop financial confidence and create a path to financial independence. He provides comprehensive financial planning and investment management services. With his subscription model (think Netflix for your finances) he's able to bring objective, Fee-Only advice to an underserved population, Younger Adults. He lives in Kansas City, MO with his wife, two boys, and two bassador dogs (Bubba & Charlie Gibson... yep, after the former news anchor!).