Ark Royal Wealth Management

We're Ark Royal Wealth Management with offices in Raleigh & Charlotte. Our firm was founded by Mike Palmer, CFP® in 2015. Mike brings 30+ years of wealth management experience to work for clients. We believe in being truthful, trustworthy and transparent. Our videos will teach you about investing, financial planning, retirement planning and tax saving strategies. We believe you deserve to work with a team of advisors, all of whom are Certified Financial Planners. We help guide successful people like you in making smart decisions about money! Ark Royal Wealth Management is a RIA (Registered Investment Advisor). If you have questions about retirement, investing or other personal finance topics give us a call in the Raleigh area at 919-710-8665 or in the Charlotte area at 704-780-4567.

[arkroyalwealthmanagement]

Wes & Anne Ark Royal Wealth Management client testimonial Our clients Michael & Jennifer share their experience of working with the team at Ark Royal Wealth Management. Learn how a team a fee-only certified financial planners can help you create a successful retirement experience. Want to learn more? ☎️ Book a Call with Mike: https://ift.tt/CFKRkX1 📖 Read Mike Palmer's column in Kiplinger → https://ift.tt/DVaTOQL Please visit our website to get more information: https://ift.tt/sJebzl0 🔔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/VbmkQ7w LinkedIn: https://ift.tt/zmOdsax Website: https://ift.tt/sJebzl0 Call 919-710-8665 if you'd like to schedule a free consultation. ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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. ================================= https://www.youtube.com/watch?v=Ie_e8KJ8yJs via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg April 28, 2026 at 08:11PM

[arkroyalwealthmanagement]

Michael & Jennifer Ark Royal Wealth Management client testimonial Our clients Michael & Jennifer share their experience of working with the team at Ark Royal Wealth Management. Want to learn more? ☎️ Book a Call with Mike: https://ift.tt/SvQFaIx 📖 Read Mike Palmer's column in Kiplinger → https://ift.tt/2yq9rvs Please visit our website to get more information: https://ift.tt/gwRLUaq 🔔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/heGEPBb LinkedIn: https://ift.tt/Q6gZITf Website: https://ift.tt/gwRLUaq Call 919-710-8665 if you'd like to schedule a free consultation. ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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. ================================= https://www.youtube.com/watch?v=QTeH1UOxGc0 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg April 24, 2026 at 06:25PM

[arkroyalwealthmanagement]

Martha & Franklin Ark Royal Wealth Management client testimonial Our clients Martha & Franklin share their experience of working with the team at Ark Royal Wealth Management. Want to learn more? ☎️ Book a Call with Mike: https://ift.tt/b106Vj9 📖 Read Mike Palmer's column in Kiplinger → https://ift.tt/2yGQhxZ Please visit our website to get more information: https://ift.tt/blYkKvU 🔔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/K96xCoF LinkedIn: https://ift.tt/HVuC3t2 Website: https://ift.tt/2NWK4TX Call 919-710-8665 if you'd like to schedule a free consultation. ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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. ================================= 🔎 Related Phrases: Fee only fnancial planners in Raleigh, Fee only financial planners in Charlotte https://www.youtube.com/watch?v=pEvf6J7nzAM via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg April 22, 2026 at 12:00AM

[arkroyalwealthmanagement]

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. https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1 🔗 Stay Connected With Us. Facebook: https://ift.tt/t7GXAaQ LinkedIn: https://ift.tt/UNvMjQw Website: https://ift.tt/pqAQNgZ ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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. ================================= https://www.youtube.com/watch?v=tLm9Knln5z4 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg March 9, 2026 at 07:30PM

[arkroyalwealthmanagement]

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. https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1 🔗 Stay Connected With Us. Facebook: https://ift.tt/JNTZ9t0 Website: https://ift.tt/u2Hjsgo 📩 Email: [email protected] ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg January 27, 2026 at 12:21AM

[arkroyalwealthmanagement]

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: [email protected] ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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: [email protected] 🔔 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 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg January 23, 2026 at 12:59AM

[arkroyalwealthmanagement]

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 ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=XOhlP4ydT90&ts ▶️ https://www.youtube.com/watch?v=egDCbglrl60&t ▶️ https://www.youtube.com/watch?v=_Y8_CXdARgE&t ▶️ https://www.youtube.com/watch?v=VAqqDi_Gue0&t ▶️ https://www.youtube.com/watch?v=SI-kdApvj2I&t ▶️ https://www.youtube.com/watch?v=WaDbkTtEYOw ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ▶️ https://www.youtube.com/watch?v=j8jIiG7RGw8 ================================= ✅ 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: [email protected] 🔔 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 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg December 28, 2025 at 08:44PM

[arkroyalwealthmanagement]

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. https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1 🔗 Stay Connected With Us. Facebook: https://ift.tt/2N3fw0k LinkedIn: https://ift.tt/euANpdy Website: https://ift.tt/z0RmLCp ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=5lbWGkwpqm8 ▶️ https://www.youtube.com/watch?v=egDCbglrl60 ▶️ https://www.youtube.com/watch?v=XOhlP4ydT90 ▶️ https://www.youtube.com/watch?v=63IBTtw7qio ▶️ https://www.youtube.com/watch?v=_Y8_CXdARgE ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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

[arkroyalwealthmanagement]

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. Facebook: https://ift.tt/AG9PhZx LinkedIn: https://ift.tt/La9UTWm Website: https://ift.tt/GjXhEVJ ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=63IBTtw7qio ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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: [email protected] 🔔 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 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg December 02, 2025 at 10:20PM

[arkroyalwealthmanagement]

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? 📞Book a Call with Mike Palmer, CFP® https://ift.tt/3y7EDMY... 🕐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 Please visit our website to get more information: https://ift.tt/RrltSHv 🔔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/IvXC3dS LinkedIn: https://ift.tt/7aGSRjJ Website: https://ift.tt/RrltSHv ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=5lbWGkwpqm8&t ▶️ https://www.youtube.com/watch?v=0d8O4tfVVeA&t ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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: [email protected] 🔔 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 do I save taxes with RMDs, What is the 10 year rule, #ira #requiredminimumdistribution #retirementplanning #financialplanning #taxplanning https://www.youtube.com/watch?v=XOhlP4ydT90 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg November 25, 2025 at 01:32AM

[arkroyalwealthmanagement]

2026 Retirement Contribution Limits JUST Released! PLUS 1 BIG CHANGE you need to know! #IRA #401k Are you 50 or older and planning for retirement? The IRS just released the official 2026 retirement contribution limits. If you are in the retirement red zone and trying to max your retirement savings be sure to watch. Mike Palmer, Certified Financial Planner and founder of Ark Royal Wealth Management, breaks down the just-released limits for 2026 IRA and 401(k) contributions so you can start planning now to maximize your savings. 📈 2026 IRA Contribution Limits at a Glance: (Traditional & Roth) IRA Limit: Increases from $$7,000$ to $$7,500 Ages 50+ Catch-up: $1,100 401(k) Deferral Limits at a Glance: Regular Limit: Increases from $$23,500 to $24,500 Regular Catch-up (Ages 50–59 & 64+): Rises to 8,000 Extra-Mega-Special-Bonus Catch-up (Ages 60–63): $11,250 🚨 IMPORTANT 2026 401(k) CATCH-UP CHANGE!!! Learn about the significant change impacting high-income earners who are 50+ with W-2 income over $150,000. Starting in 2026, the catch-up amount (the amount over $24,500) MUST be made as a Roth contribution rather than traditional pre-tax. 🦸‍♂️ Meet the 3 Retirement Superheroes Mike introduces the three "retirement superheroes" and explains how using this trio creates maximum flexibility in retirement. Have questions? 📞Book a Call with Mike Palmer, CFP® https://ift.tt/LniIw2R... 🕐Timestamps [00:05] Introduction to the 2026 Limits [00:38] New 2026 IRA Contribution Limit [01:30] Meet the Three Retirement Superheroes [02:29] New 2026 401(k) Deferral Limit [03:11] IMPORTANT CHANGE: Roth Catch-up Rule for High Earners [03:37] Max Savings Example [04:09] Allocation Strategy for 401k vs. IRA Please visit our website to get more information: https://ift.tt/Gqr4iDS 🔔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/RaLoQXh LinkedIn: https://ift.tt/bWEl3jD Website: https://ift.tt/Gqr4iDS 📩 For business inquiries: [email protected] ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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: [email protected] 🔔 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 should I allocate between Roth and pre-tax? #retirementplanning #financialplanning #earlyretirement https://www.youtube.com/watch?v=63IBTtw7qio via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg November 21, 2025 at 10:14PM

[arkroyalwealthmanagement]

Don't Pay UNNECESSARY Taxes! How Qualified Dividends (QDI) Can Save You Thousands in Retirement! Uncle Sam is your silent investment partner - often taking a cut (TAXES!!!). Investment returns aren't just what you make - it's about what you keep after taxes! In this video, Mike Palmer, Certified Financial Planner and founder of Ark Royal Wealth Management, explains how a focus on dividend tax efficiency can save tens of thousands of dollars over 20-30 years! Did you know that some dividends are taxed at a rate of up to 17% higher? It's true, we explain the crucial difference between Qualified Dividend Income (QDI) (the "good" kind) and Nonqualified Dividend Income (NQDI) (the "bad" kind). We'll show you how the sophisticated investment managers Ark Royal uses approach portfolio management to make the most of QDI. We share a new rule about "catch up" contributions that goes into effect in 2026, info you'll need to know if you make over $150,000! Plus, get answers to whether your 401k contributions should be Pre-tax, Roth, or some combination of both. If you are in the retirement red zone you need to make the most of your peak earning years and your retirement contributions. 🔔𝐃𝐨𝐧'𝐭 𝐟𝐨𝐫𝐠𝐞𝐭 𝐭𝐨 𝐬𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐨𝐮𝐫 𝐜𝐡𝐚𝐧𝐧𝐞𝐥 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬. https://www.youtube.com/@arkroyalwealthmanagement/?sub_confirmation=1 👍 Like this video if you found it helpful 💬 Leave your questions in the comments below Need personalized advice? Book a Call with Mike: https://ift.tt/36GSVj2 Timestamps: Stay Connected With Us. Facebook: https://ift.tt/X8lksBG LinkedIn: https://ift.tt/sJOYDW0 Website: https://ift.tt/r7yPzWD 📩 For business inquiries: [email protected] ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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. ================================= 🔎 Related Phrases: https://www.youtube.com/watch?v=0d8O4tfVVeA via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg November 18, 2025 at 06:20PM

[arkroyalwealthmanagement]

Tax Red Alert 🚨: Check Your Mutual Fund Capital Gains NOW! #retirementplanning #taxplanning Mutual funds can distribute capital gains irrespective of whether you sell shares. Watch our video to make sure you don't get blindsided by a tax bill next April. Please visit our website to get more information: https://ift.tt/r0pqGlz 🔔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/IvBWUOs LinkedIn: https://ift.tt/1xRHAGt Website: https://ift.tt/r0pqGlz 📩 For business inquiries: [email protected] ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ 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: [email protected] 🔔 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: Hashtags https://www.youtube.com/shorts/Z2-SpXBjStU via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg November 11, 2025 at 10:59PM

[arkroyalwealthmanagement]

Dave Ramsey Hates Annuities, So Why Do So Many Smartvestor Advisors Sell Them? Dave Ramsey doesn't like annuities. Yet, Ramsey's Smartvestor program, a network of Ramsey endorsed financial advisors, is filled with advisors who sell these products. If you're a retiree looking for good financial planning advice - where do you turn? In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, went on the Ramsey SmartVestor site and found that a significant number of referred advisors sell the very same fixed index annuities that Ramsey warns against. What you'll learn in this video: 👿 The conflict of interest at the heart of the Ramsey SmartVestor program. ❌ Why fixed index annuities (FIAs) often benefit the advisor more than the client. 💲 The crucial difference between an advisor who claims to be a fiduciary and a Fee-Only Fiduciary who is never conflicted by commission compensation and who always puts your interests first. Ready to create a customized retirement plan that is free of commission conflicted compensation? 📞Book a Call with Mike Palmer, CFP® https://ift.tt/8oax4Yi... 🕐Timestamps [00:05] Introduction: Dave Ramsey's Questionnable Financial Advice on Social Security & Sustainable Withdrawal Rates [00:44] Ramsey Smartvestor Pros: A "Pay to Play" System [01:32] Dave Ramsey's Stance on Annuities [03:10] The SmartVestor Paradox: Advisors Selling the Same Products Ramsey Says to Avoid [04:17] The Fiduciary Misdirection: Why Fiduciary Isn't the Same as Fee-Only [04:45] The Ark Royal Difference: Fee-Only Oath & Always Working in the Client's Best Interest - NEVER ANY COMMISSIONS Please visit our website to get more information: https://ift.tt/RZ9U3ek 🔔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/e3xaf6q LinkedIn: https://ift.tt/GqP96r1 Website: https://ift.tt/RZ9U3ek ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CA5XyKs9REY&t ▶️ https://www.youtube.com/watch?v=j8jIiG7RGw8 ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=pfRGlJKpufs&t ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ================================= ✅ 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: [email protected] 🔔 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 Disclaimer: This content is for educational purposes only and is not intended as financial, tax, or legal advice. Please consult with a qualified professional for advice tailored to your specific situation. ================================= 🔎 Related Phrases: #daveramsey #smartvestor #retirementplanning #fiduciary #fixedindexannuity https://www.youtube.com/watch?v=d8Zhwl6FC10 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg November 04, 2025 at 01:35AM

[arkroyalwealthmanagement]

Sequence of Return Risk: How This Hidden Risk Could Sink Your Retirement and How to Avoid It! Are you worried about market volatility derailing your retirement plans? We take a deep dive into one of the biggest threats to your financial security in retirement: sequence of return risk. In this eye-opening video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, will: 📚 Define sequence of return risk with clear examples. 🔍 Analyze the 4% rule and sustainable withdrawal rates. 🎢 Show how we use Monte Carlo simulations to illustrate the range of potential outcomes. 👀 Review an actual client case study 💲Share out strategies to reduce sequence of return risk Read Mike's monthly column in Kiplinger: https://ift.tt/PkZS1Qe 📞Book a Call with Mike https://ift.tt/ChoqbYx Please visit our website to get more information: https://ift.tt/g6uT2UF 🔔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/IafGL47 LinkedIn: https://ift.tt/u4JAxaZ Website: https://ift.tt/g6uT2UF 📩 For business inquiries: [email protected] ============================= 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ================================= ✅ About Ark Royal Wealth Management. Welcome to Ark Royal Wealth Management! We’re a Raleigh and Charlotte-based fee-only financial planning firm dedicated to helping retirees make smart, informed decisions about 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: ================================= #RetirementPlanning #SequenceOfReturnRisk #FinancialSecurity #InvestmentStrategy #earlyretirement #indexannuities #fixedindexannuity https://www.youtube.com/watch?v=_Y8_CXdARgE via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg October 28, 2025 at 09:51PM

[arkroyalwealthmanagement]

We Had AI Analyze a Fixed Index Annuity Contract - You'll Be Shocked at the Results! Are you nearing retirement and curious about financial products that promise market gains without losses and promise lifetime income? In this eye-opening video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, uses AI to analyze a fixed index annuity contract. Discover: • The true cost of early withdrawals and surrender charges • Hidden fees and expenses that can eat into your returns • How participation rates and index strategies really work • How your return being tied to one day's valuation can work against you • The catch behind premium bonuses Learn why the downside protection in Fixed Index Annuities (FIAs) comes at a high price and how these products compare to traditional investment strategies. Mike shares real examples and insights to help you make informed decisions about your retirement planning. Don't miss this comprehensive breakdown of FIAs and get the knowledge you need before signing any annuity contract. Do you want personalized retirement advice or a free second opinion? 📞Book a Call with Mike https://ift.tt/ys6vtAh Please visit our website to get more information: https://ift.tt/YmUBD42 or call 919-710-8665. 🔗 Stay Connected With Us. Facebook: https://ift.tt/z2KA7Pr LinkedIn: https://ift.tt/MchIzb5 Website: https://ift.tt/7cOVtGC 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=QZTJpioX_Ug ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=d_sWEpoTmMs&t ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=P7TjgeEnSLY&t ================================= ✅ 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. Read Mike's monthly column in Kiplinger: https://ift.tt/eyO86j5 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: [email protected] 🔔 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 #FixedIndexAnnuity #retirementplanning #earlyretirement #financialplanning https://www.youtube.com/watch?v=pfRGlJKpufs via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg October 21, 2025 at 05:53PM

[arkroyalwealthmanagement]

Seniors: New Tax Break Could Save You Thousands! The Bonus Senior Deduction Explained Are you 65 or older? Learn about the game-changing "senior bonus deduction" in the Big Beautiful Bill that could potentially save you thousands in taxes! In this video, Mike Palmer, CFP® and founder of Ark Royal Wealth Management, breaks down everything you need to know about this new tax benefit. Key points covered: • Who qualifies for the enhanced senior deduction • How much you can save (up to $12,000 for married couples!) • Income thresholds and phase-out limits • How it works with standard and itemized deductions • Real-life example of tax savings for retirees • Tips for maximizing your benefits Don't miss out on this temporary tax break available right now. Whether you're taking standard deductions or itemizing, this video explains how you can take advantage of this new opportunity to keep more of your hard-earned money. Plus, get answers to common questions about Social Security taxation and learn why proper tax planning is crucial for retirees. 🔔 Subscribe for more retirement insights and tax-saving strategies! 👍 Like this video if you found it helpful 💬 Leave your questions in the comments below Need personalized advice? Book a Call with Mike: https://ift.tt/l8uTmPH Timestamps: 0:00 Introduction 1:36 Enhanced Senior Deduction Explained 3:55 Case Study: John & Mary Boomer 5:22 Itemizing vs. Standard Deduction 6:00 Social Security Taxation Please visit our website to get more information: https://ift.tt/jpBSFi7 🔔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/qkLhUX6 LinkedIn: https://ift.tt/Bb8rPvG Website: https://ift.tt/jpBSFi7 🎬Suggested videos for you: ▶️ https://www.youtube.com/watch?v=CtKJ73pKKo0 ▶️ https://www.youtube.com/watch?v=KPNzbhNtXoY ▶️ https://www.youtube.com/watch?v=03L7iQbZbiM ▶️ https://www.youtube.com/watch?v=QfSgD6FD2nU ▶️ https://www.youtube.com/watch?v=TaPEIK9V2DA ▶️ https://www.youtube.com/watch?v=vqF7EW7cl28 ▶️ https://www.youtube.com/watch?v=fejhltrJl74 ▶️ https://www.youtube.com/watch?v=sufxUY_0tDo ✅ 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. 📩 Email: [email protected] 🔔 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 #TaxStrategy #taxplanning #bigbeautifulbill https://www.youtube.com/watch?v=5lbWGkwpqm8 via Ark Royal Wealth Management https://www.youtube.com/channel/UCVpo_9eJdigAdxCOpr5yCsg October 14, 2025 at 06:06PM