What Makes Ark Royal Wealth Management Distinctive: We Earn Our Reputation Every Day Ark Royal…

What Makes Ark Royal Wealth Management Distinctive: We Earn Our Reputation Every Day

Ark Royal Wealth Management was founded on a simple premise - always work in the client’s best interest and create an unequaled client experience. The team at Ark Royal shares how they deliver on that promise since the firm’s founding in 2015. Knowing where to turn for independent and objective financial advice can be confusing. At Ark Royal you’ll be assured that you’re working with a team of fee-only Certified Financial Planners whose interest are always aligned with yours.

Want to learn more?

☎️ Book a Call with Mike: https://ift.tt/GNRejE3

📖 Read Mike Palmer’s column in Kiplinger → https://ift.tt/I3Qo1Vn

Visit our website to get more information: https://ift.tt/pqAQNgZ

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
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🔗 Stay Connected With Us.

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=================================

✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

Advisory services are offered through Ark Royal Wealth Management LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Ark Royal Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.

=================================

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March 9, 2026 at 07:30PM

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4 Investment Risks Retirees Can’t Afford to Ignore - And What to Do Instead! Most retirees don’t…

4 Investment Risks Retirees Can’t Afford to Ignore - And What to Do Instead!

Most retirees don’t run out of money because they spend too much—they run out of money because of one or two bad investment decisions made after they retire. In this video, Zach Palmer, CFP® with Ark Royal Wealth Management, breaks down the four biggest risks to your retirement security and, more importantly, how you can avoid them.

Retirement should be a time of excitement, not stress. Whether you are a DIY investor or working with a professional, understanding these pitfalls is essential to ensuring your portfolio lasts 25 to 30 years.

🕒 Timestamps:

0:00 – Introduction: Why Retirees Run Out of Money
1:15 – Risk #1: The Zero-Growth Trap (Overly Conservative Portfolios)
2:45 – Risk #2: Sequence of Returns Risk & The “Royal Reserve”
4:10 – Risk #3: Behavioral Blunders & Emotional Decisions
5:30 – Risk #4: Inflation – The Silent Wealth Eroder
6:45 – Summary: How to Build a Flexible Retirement Plan

What You’ll Learn in This Video:

The Opportunity Cost of Safety: Why abandoning the growth strategy that got you to retirement can be a major misstep.

Managing Market Volatility: How to use a 12-18 month “Royal Reserve” of cash to avoid selling investments during a market downturn .

The Psychology of Withdrawing: Why market drops feel “personal” in retirement and how a written Investment Policy Statement keeps you on track.

Maintaining Purchasing Power: Why owning equities is historically an effective long-term hedge against inflation and rising costs.

Key Takeaways:
A declining portfolio doesn’t mean the retirement plan or investment strategy is broken. Just like a rose garden goes dormant in winter to conserve nutrients for more favorable weather, sometimes your portfolio will encounter temporary declines.

📞 Book a Call with Zach: https://ift.tt/xbky13o

Call 919-710-8665 to learn how Ark Royal helps successful people make smart decisions about money!

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
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🔗 Stay Connected With Us.

Facebook: https://ift.tt/JNTZ9t0
Website: https://ift.tt/u2Hjsgo

📩 Email: zachpalmer@ark-wealth.com

=============================

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=================================

✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

🔔 Want to make smarter decisions with your money? Subscribe for expert insights on investing, financial planning, retirement, and tax-saving strategies.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

=================================

🔎 Related Phrases:

#RetirementPlanning #Investing #financialplanning #SequenceOfReturns #Inflation #CFP #PortfolioManagement

https://www.youtube.com/watch?v=rVlYXQVVZaw

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January 27, 2026 at 12:21AM

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Is the 4% Rule Still Safe? A Look at Other Retirement Withdrawal Strategies What’s the best…

Is the 4% Rule Still Safe? A Look at Other Retirement Withdrawal Strategies

What’s the best retirement withdrawal strategy for 2026? Discover why the “4% Rule” might be outdated and how to use strategies like the “Guardrails” approach, the “Retirement Smile” or partial Liability-Driven Investing (LDI) to protect your retirement nest egg.

Transitioning from living on a paycheck to living off your portfolio is one of the biggest shifts you’ll ever make. In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, walks you through how to navigate the confusing and complex retirement planning riddle. We’ll look at real-world case studies and explore how to proactively lower your tax bill while ensuring your money lasts as long as you do.

In this video, you will learn:

Why retirement planning is more complex than just investing a 401k.

The truth about Sequence of Return Risk and how to avoid being “thrown overboard” in retirement.

Explore several distribution strategies: The 4% Rule, Fixed Real Withdrawal, Guardrails, the Retirement Smile and partial LDI.

A case study analysis of “Bob & Sally Boomer.”

How to keep your IRMAA premiums low and maximize senior tax deductions.

📞Book a Call with Mike Palmer, CFP®
https://ift.tt/P1rowCG…

📖 Read Mike Palmer’s column in Kiplinger → https://ift.tt/0Ozd1t3

🕐Timestamps

[00:00] – The “Do-It-Yourself” Secret
[00:45] – How Retirement Planning is Like Whitewater Rafting
[02:11] – Why a One Time Financial Plan Falls Short
[03:12] – The 4% Rule: Is It Still Relevant?
[04:20] – Using a “Guardrails” Spending Strategy
[05:15] – The Retirement Smile (Spending Patterns)
[06:15] – Partial LDI Strategy
[07:20] – Bob & Sally Boomer Case Study

Please visit our website to get more information: https://ift.tt/C8rbE0F

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

🔗 Stay Connected With Us.

Facebook: https://ift.tt/gVjexPU
LinkedIn: https://ift.tt/HJmRzki
Website: https://ift.tt/C8rbE0F

📩 For business inquiries: mpalmer@ark-wealth.com

=============================

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=================================

✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

🔔 Want to make smarter decisions with your money? Subscribe for expert insights on investing, financial planning, retirement, and tax-saving strategies.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

=================================

🔎 Related Phrases: How much do I need to save to retire?

#RetirementPlanning #WithdrawalStrategy #TaxPlanning #4PercentRule #WealthManagement #TaxStrategy #CFP

https://www.youtube.com/watch?v=Ywq3UNFaU-8

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January 23, 2026 at 12:59AM

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Inherit an IRA? Don’t Lose a Fortune to the 10-Year Rule Tax Trap! What You Need to Do NOW! If you…

Inherit an IRA? Don’t Lose a Fortune to the 10-Year Rule Tax Trap! What You Need to Do NOW!

If you inherited an IRA after 2020, you may be facing a ticking tax clock. The SECURE Act essentially eliminated the “Stretch IRA” for most non-spouse beneficiaries, replacing it with a strict 10-year rule. Many people are confused by required minimum distribution or RMD rules associated with an Inherited IRA (also known as a Beneficiary IRA). Not only are the rules confusing, but missteps can cost you tens of thousands of dollars in unnecessary taxes!

In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, breaks down the confusing new IRS regulations and how to avoid the biggest mistakes that could cost you thousands in unnecessary taxes.

What You’ll Learn:

The 10-Year Rule Explained: Who it applies to and why you can’t ignore it.

Crucial Exceptions: Learn the important exemptions from the new 10-Year rule.

How Mike helped a complete stranger save $7,162 in tax penalities.

The 2025 Deadline: Why you must start taking RMDs in 2025 to avoid a 25% penalty.

The “Tax Bomb” Mistake: Why taking just the minimum can lead to a massive tax bill in year 10.

Strategic Distribution Planning: Mike reviews two case studies on how to take strategic withdrawals to keep your total tax bill as low as possible.

📞Book a Call with Mike Palmer, CFP®
https://ift.tt/yi8QPG7…

📖 Read Mike Palmer’s column in Kiplinger → https://ift.tt/JpogCbl

🕐Timestamps

[00:05] - The Phone Call
[00:50] - The Basics of The Secure Act & Bene IRAs
[01:35] - The Secure Act & Stretch IRAs
[01:45] - The 10-Year Rule
[02:22] - The #1 Mistake of DIYers
[02:40] - The Mystery of the Phone Call Revealed
[03:40] - The IRS Clears Up Confusion & Grants Relief
[04:35] - The Hidden Tax Bomb
[05:03] - Case Study 1 - Julie
[05:25] - Common Mistake - Using the Right Divisor for RMD
[07:47] - Case Study 2 - Bob
[09:02] - Every Situation is Different & Requires Customized Planning

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

🔗 Stay Connected With Us.

Facebook: https://ift.tt/nuNsiwD
LinkedIn: https://ift.tt/j2OcY7W
Website: https://ift.tt/BczgOFS

=============================

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=================================

✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

🔔 Want to make smarter decisions with your money? Subscribe for expert insights on investing, financial planning, retirement, and tax-saving strategies.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

=================================

🔎 Related Phrases:

#InheritedIRA #SECUREAct #RMDs #FinancialPlanning #TaxStrategy #RetirementPlanning

https://www.youtube.com/watch?v=tzkf1dflbdI

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December 28, 2025 at 08:44PM

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Your Last Chance to Save Money in 2025: 5 Ways to Lower Your Tax Bill Before the Year Ends! You…

Your Last Chance to Save Money in 2025: 5 Ways to Lower Your Tax Bill Before the Year Ends!

You still have time to cut your 2025 tax bill, but you need to act NOW! In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, shares 5 ways to reduce taxes – but you need to act before December 31st!

Key points covered:

Charitable Giving Changes Coming in 2026: 2025 is the last chance for a full, unrestricted tax deduction for charity.

Incentive Stock Options (ISOs) Face Higher Taxes in 2026: The BBB shifts Alternative Minimum Tax (AMT) rules, making it much more likely you’ll fall into the AMT trap next year.

529 Education Reimbursement: The BBB expanded 529 plans to cover K-12 private school tuition and professional certification costs.

Roth Conversions Become More Complicated: For those in or near retirement, a Roth conversion could unintentionally trigger a phase-out of new, enhanced senior deductions.

Home Energy Tax Credits: Many clean energy tax credits from the Inflation Reduction Act end on December 31st. A home energy audit qualifies for a $150 credit!

Don’t miss out on the chance to save money before the year ends. Whether you’re taking standard deductions or itemizing, this video explains how you can take advantage of changes coming from the Big Beautiful Bill and ways to keep more of your hard-earned money.

🔔 Subscribe for more retirement insights and tax-saving strategies!
👍 Like this video if you found it helpful
💬 Leave your questions in the comments below

🕐Timestamps
[00:00] Introduction: Why You Must Act Before December 31st
[01:07] Move #1: Charitable Giving & the New Deduction Hurdle
[02:27] Note on QCDs (Qualified Charitable Distributions)
[03:24] Move #2: Incentive Stock Options (ISOs) & the AMT Trap
[04:32] Move #3: 529 Education Reimbursement Gift
[05:35] Move #4: Roth Conversions & the New Senior Deduction Minefield
[07:14] Ark Royal Complimentary Consultation
[07:40] Move #5: Homeowners & Clean Energy Tax Credits

📞Book a Call with Mike https://ift.tt/swMUD4n

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
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🔗 Stay Connected With Us.

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=================================

✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 40 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

=================================

🔎 Related Phrases:
How can I pay less tax, tax strategies to save money,

#retirementplanning #taxplanning #personalfinance #financialplanning #earlyretirement #taxstrategies

https://www.youtube.com/watch?v=cdWJnqGXTSQ

via Ark Royal Wealth Management
https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg
December 11, 2025 at 06:54PM

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The Hidden Risk of Boomer Candy: Why Warren Buffett Hates FIAs, Structured Notes and Buffered…

The Hidden Risk of Boomer Candy: Why Warren Buffett Hates FIAs, Structured Notes and Buffered ETFs

Did you know there’s a hidden trap in popular retirement products like Fixed Index Annuities, Structured Notes, and Buffered ETFs - collectively known as “Boomer Candy?”

Mike Palmer, CFP and founder of Ark Royal Wealth Management, exposes how these seemingly attractive investments can cost you thousands due to their point-in-time valuation structure.

In this eye-opening video, you’ll learn:
• Why these products are the exact opposite of how Warren Buffett approaches investmenting
• The risks of forced valuation dates
• How “Boomer Candy” robs you of investment flexibility and increases risk
• Why continuous market exposure trumps arbitrary annual snapshots

Whether you’re nearing retirement or just starting to invest, this information is crucial for making informed decisions about your financial future.

Don’t fall for Wall Street’s tricks - educate yourself on the true nature of these popular but potentially harmful investment products.

📞Book a Call with Mike Palmer, CFP®
https://ift.tt/pi6wSzW…

Please visit our website to get more information: https://ift.tt/GjXhEVJ

🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

🔗 Stay Connected With Us.

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LinkedIn: https://ift.tt/La9UTWm
Website: https://ift.tt/GjXhEVJ

=============================

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=================================

✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

🔔 Want to make smarter decisions with your money? Subscribe for expert insights on investing, financial planning, retirement, and tax-saving strategies.
https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1

=================================

🔎 Related Phrases:

#FinancialEducation #RetirementPlanning #InvestmentRisks #BoomerCandy #WarrenBuffett #fixedindexannuities
Hashtags

https://www.youtube.com/watch?v=3SdYb3YR98o

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December 02, 2025 at 10:20PM

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The IRA “Tax Time Bomb” Myth, Part 2: What Happens to RMDs When a Spouse Dies in Retirement? What…

The IRA “Tax Time Bomb” Myth, Part 2: What Happens to RMDs When a Spouse Dies in Retirement?

What happens to your IRA Required Minimum Distributions (RMDs) and tax burden when your spouse passes away? Can this create a tax torpedo or tax time bomb like many would have you believe?

Mike Palmer, Certified Financial Planner and founder of Ark Royal Wealth Management, expands on a previous video’s client case study (John & Mary Boomer) to illustrate what would happen 10 years from now if John dies at age 78.

🚨 The Widow’s Tax Reality
Using their case study, we project the tax consequences for Mary when she transitions from filing as married-jointly to single.

We explore strategies, like partial Roth conversions, to ensure her tax burden never becomes a “Tax Time Bomb,” even into her 90s.

👨‍👩‍👧‍👦 Inherited IRA: Avoiding the Beneficiary Tax Trap
We also discuss how adult children inheriting an IRA may want to plan in advance.

We examine the IRA non-spouse beneficiary 10-Year Rule and outline an often overlooked estate planning solution: Disclaimers!

Effective IRA disclaimers may require special attention to IRA beneficiary designation forms to ensure maximum flexibility.

We discuss per stirpes v. per capita distribution elections and how effective planning can help pass some or all of an inherited IRA to beneficiaries in lower tax brackets.

Have questions?

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🕐Timestamps
0:00 Introduction to Part 2
1:23 Case Study Review: John and Mary Boomer Back to the Future
2:12 RMDs and Tax Impact After a Spouse’s Death
3:56 The Tax Bomb Myth for Beneficiaries (10-Year Rule)
4:48 Estate Planning Strategy: Using Disclaimers
5:49 Recap

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✅ About Ark Royal Wealth Management.

Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based firm dedicated to helping you make smart, informed decisions about your money. Our team, founded by Mike Palmer, CFP®, in 2015, brings over 30 years of wealth management experience. We believe in being truthful, trustworthy, and transparent, values that guide everything we do.

On this channel, you’ll find expert insights on investing, financial planning, retirement strategies, and tax-saving techniques. All of our advisors are Certified Financial Planners™ who work together to provide personalized, strategic guidance. Join us on your journey toward financial clarity and confidence.

For Business inquiries, please use the contact information below:

📩 Email: mpalmer@ark-wealth.com

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🔎 Related Phrases:
How do I save taxes with RMDs, What is the 10 year rule,

#ira #requiredminimumdistribution #retirementplanning #financialplanning #taxplanning

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November 25, 2025 at 01:32AM

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