This course explores the powerful tax strategies of using Health Savings Accounts (HSAs), Roth IRAs, 401(k) plans, and Roth conversions to maximize wealth building now and in retirement. The course will begin by building a foundation of retirement planning principles and then dive into some popular strategies to consider. We will discuss why the HSA may be the most underutilized investment account, how the back door Roth actually works, and when to consider Roth conversions as part of your financial plan.
We will review the benefits and risks of these strategies and common pitfalls to avoid when reviewing them inside of your retirement planning. You will walk away knowing more about how Roth conversions have the potential to save you tremendously in taxes when they make sense, and why tax planning and retirement planning go hand in hand.
Learning Objectives:
- Recognize common pitfalls to avoid when doing a back-door Roth
- Determine the opportunities/risks of Roth conversions
- Evaluate whether someone is an ideal candidate for Roth conversions
- Identify different retirement planning strategies to consider at various stages of life
- Summarize the major differences between qualified retirement accounts
Rizek Housari
Divergent Wealth
Wealth Advisor
[email protected]
(385) 237-4000
Rizek Housari is a wealth advisor, Certified Public Accountant, and Certified Financial Planner® professional. Rizek recently published his first book, Finance on the Fly: Simple Strategies to Build Lasting Wealth.
As the host of the Finance on the Fly social media channel, Rizek shares practical insights on personal finance, retirement planning, tax strategies, and business topics, inspiring thousands to make smarter financial decisions.
Rizek holds both bachelor’s and master’s degrees in accounting from Brigham Young University and began his career at KPMG, a Big Four accounting firm. Now an independent advisor and fiduciary, he focuses on guiding families and individuals toward lasting financial security.
Outside of work, Rizek enjoys life with his wife, Emma, and their daughter Kalila. Together, they love outdoor adventures like fly fishing, skiing, and hiking, and he cherishes visits with family in Arizona, California, and Palestine.
About Our Presenter
Divergent Wealth Advisors is a Family "Chief Financial Officer," a Wealth Planner, a Financial Adviser, a Portfolio Manager, an Estate Planning Adviser, and a Tax Strategist, all under the same roof.
Divergent Wealth Advisors is a long-term financial partner who can serve generations of a family and can simplify complicated things, playing the role of an educator and an adviser.
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