Quaker Wealth Management

CERTIFIED FINANCIAL PLANNER™

Wealth Mgt Mixtape Podcast

Host

WNC Capital Corp

Regional Vice President

LEAF Financial Corporation

Certified Financial Planner™ @ Quaker Wealth Management | Investment Strategies

As a CERTIFIED FINANCIAL PLANNER™ at Quaker Wealth Management, I help clients achieve their financial goals and dreams through personalized and comprehensive financial planning and investment advisory services. I have more than 12 years of experience in the wealth management industry, working with individuals, families, and businesses across various stages of life and financial situations.

In addition to my role as a financial advisor, I am also the host of Wealth Mgt Mixtape Podcast, a platform where I share my insights, perspectives, and stories on topics related to investing, financial planning, and human behavior. I am passionate about educating and empowering people to make informed and confident financial decisions, and to enjoy the journey of wealth creation and management.

Jake Heisler, CFP®

Hi! I’m Colin. Nice to meet you. 👋

My work as a wealth advisor has helped thousands of individuals make better decisions as they prepare for life's most difficult situations:

🏖 Preparing for retirement
👨‍👩‍👧‍👦 Transitioning to empty-nesters
💼 Preparing for a career change
🏬 Launching a business

Regardless of how you got here, I’m flattered that you’re here, and I’d love to help you on your financial journey. 

While many can DIY their way to make financial decisions, many prefer to work with someone who has helped coach hundreds of individuals and couples.

If you’re the latter, we should chat!

Take some time to get to know me. There’s no better way than by looking at what I’m up to:

📷 Instagram: @colindaytoday
🌎 www.linktr.ee/colindaytoday

Colin Day

Phase 1: converting to Roth while working

It’s not always advised to convert while you’re working, but when you’re in a lower bracket (like 22%) it can seem like a steal. Especially when you’re worried about future tax rates and your taxes increasing naturally from Social Security and RMDs. 

In the case of this person, they also need it to set up penalty-free withdrawals from their IRA. 

In phase 2, I’ll show you how setting up their Roth ladder allows them to supercharge their Roth conversions at a lower bracket in retirement. 

This is a 10-year plan; are you thinking this far ahead?

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Tax bracket figures are for tax year 2026. Roth conversions require 5-year aging for penalty-free withdrawals of the conversion before 59½ years old. This strategy assumes future tax rates will be higher and requires cash flow to pay conversion taxes while working. Please consult your tax, legal, and investment professional before making financial decisions.

Colin Day, CFP®, EA, MBA

Helping you use your wealth now, not just in retirement.

The W-4 strategy for Roth conversions

Want to convert $50k to Roth but don't have $12k for taxes in your bank account?

Spread it over the year.

Build Roth wealth without feeling a big pull on your wallet in December (when the holidays are already wrecking your finances).

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Tax calculations assume 24% federal bracket. Actual withholding needs depend on your complete tax situation including state taxes. Please consult your tax, legal, and investment professional before making financial decisions.

$500k to Roth at 12% before your pension starts.

Because once it does (and social security and required minimum distributions) you might be making too much money for Roth conversion to make sense. 

This works for pensions, rental income, or any future guaranteed income.

Do you have income starting at 65?

#colindaytoday

👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Tax brackets and standard deduction are based on 2026 tax law and subject to change. Pension amounts, Social Security, and RMD calculations are illustrative. Living expenses during gap years require cash reserves or taxable accounts. Please consult your tax, legal, and investment professional before making financial decisions.

You're stuck in 72(t) taking too much. Or are you?

Finding consulting work in retirement was supposed to be a great way to spend time keeping busy.

Instead it’s making you regret taking money from your IRA in the first place. 

But there's a one-time switch rule that can save you $60k in taxes.

Part 2 comes tomorrow!

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. 72(t) payment calculations are based on IRS rules and life expectancy tables. Original calculation uses amortization method with single life table. Please consult your tax, legal, and investment professional before making financial decisions.

Phase 2: Live on $90k tax-free and convert to Roth at the 12% tax bracket.

Because without tax planning, you might not get to retire early on your terms and maximize your after-tax benefits. 

Are you thinking 10 years ahead?

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Tax bracket info from tax year 2026. Roth conversions require 5-year aging for penalty-free withdrawals before 59½ years old. This strategy assumes future tax rates will be higher. Living expenses in retirement may require additional funding sources beyond Roth conversions. Please consult your tax, legal, and investment professional before making financial decisions.

$900k tax-free medical fund by 65. Max out your HSA and never touch it.
 
It can help you cover past and future medical expenses. Worst case, its features turn it into a Traditional IRA at age 65.
 
Do you have an HSA? Are you maxing it out?
 
#colindaytoday
 
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👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and actionable methods to help you improve your personal finances.
 
@colindaytoday
 
This video is for educational purposes only. Investment returns are illustrative and not guaranteed. HSA contribution limits based on 2026 tax law and subject to change. Strategy requires ability to pay medical expenses out-of-pocket and high-deductible health plan eligibility. Medical expense estimates are examples. Please consult your tax, legal, and investment professional before making financial decisions.

Retiring early could be a major tax advantage. 

(if you do it right)

Using your early retirement to create long-term tax-free wealth is one of the best retirement hacks out.

But you have to know your numbers to make it work for you. 

Are you planning to retire early? Are you thinking about the tax strategy?

#colindaytoday

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👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using the methods developed by a Wealth Advisor. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Please consult your tax, legal, and investment professional before making financial decisions.

The one-time 72(t) switch rule saves $40k+ in taxes.

The IRS allows ONE switch during 72(t).

But making this decision can be the difference between preserving your IRA for later in retirement or blowing it in high-tax years.

Have you switched your 72(t) method?

#colindaytoday

--------

👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and actionable methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. 72(t) calculations based on IRS Single Life Expectancy Table (2026). The one-time switch from amortization/annuitization to RMD is permitted under IRS Revenue Ruling 2002-62. Growth assumed in the first two years of 72(t) withdrawal is 7% annualized. Actual payments will vary based on account balance and age. Please consult your tax, legal, and investment professional before making financial decisions.

Fill the 12% bracket. Save $24k in taxes.

Most couples either both work full-time or both retire. But there's a middle path:

One spouse works while the other retires. It’s a creative strategy that can be exchanged every other year so that the household can meet income needs while also preparing their wealth for retirement. 

Can one of you work part-time while the other converts?

#colindaytoday

--------

👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and action methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. The 12% bracket limit for married filing jointly in 2026 is $100,800 of taxable income. Standard deduction for 2026 is $32,200. Tax brackets are subject to annual adjustment. This strategy requires household expenses that can be covered by one reduced income. Please consult your tax, legal, and investment professional before making financial decisions.

The Goldilocks Zone: How one couple could save $2.3M in taxes.

(This is a real prospect scenario we just mapped out.)

The Goldilocks Zone is temporary. Once you elect Social Security and RMDs start, it closes forever.

Are you planning for your window?

#colindaytoday

———-
👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and actionable methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Based on a real prospect scenario with details modified for privacy. 

This case study should not be construed by a client or prospective client as a guarantee that they will experience a certain level of results if Mercer Advisors is engaged, or continues to be engaged, to provide investment advisory services. An individual’s experience may vary based on their circumstances. There can be no assurance that Mercer Advisors will be able to achieve similar results in comparable situations.

No portion of this case study is to be interpreted as a testimonial or endorsement of Mercer Advisors’ investment advisory services. It is not known if the client approves or disapproves of Mercer Advisors and the services provided. The information contained herein should not be construed as personal investment advice. All investment strategies have the potential for profit or loss.

$400k to Roth at 12% before your rental income doubles.
 
When mortgages get paid off, rental income can jump 60-100%. That pushes you into higher tax brackets and makes Roth conversions expensive.
 
Take advantage of these lower income years before that gap disappears.
 
Do you own rental properties? When do your mortgages get paid off?
 
#colindaytoday
 
--------
 
👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and actionable methods to help you improve your personal finances.
 
@colindaytoday
 
This video is for educational purposes only. Tax brackets and standard deduction are based on 2026 tax law and subject to change. Rental income calculations are illustrative and vary by property. Mortgage payoff timelines and income projections are examples. Living expenses during gap years require cash reserves or taxable accounts. Please consult your tax, legal, and investment professional before making financial decisions.

The $6k mistake when paying Roth conversion taxes.

#colindaytoday
 
--------

👋 Hi there! Follow @colindaytoday if you're looking to build your wealth using tax planning. I break down complex topics to give you practical and actionable methods to help you improve your personal finances.

@colindaytoday

This video is for educational purposes only. Tax calculations assume 24% federal bracket and 10% early withdrawal penalty for those under 59½. Actual withdrawal needed: $12,000 ÷ 0.66 = $18,182. Please consult your tax, legal, and investment professional before making financial decisions.

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Colin Day

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The Battle

Jake Heisler, CFP®

Colin Day

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Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Colin Day's LinkedIn Performance

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