Kowal Investment Group

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With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning. Kowal Investment Group was founded to help you take the necessary steps toward making your retirement match up with the one you’ve always dreamed of. Whether you’re look…

Kowal Investment Group


    • May 30, 2025 LATEST EPISODE
    • every other week NEW EPISODES
    • 43m AVG DURATION
    • 302 EPISODES


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    Latest episodes from Kowal Investment Group

    The Retirement Clinic-5-17-25 – Tax Planning for Your Estate, Business, and More

    Play Episode Listen Later May 30, 2025 42:54


    Aaron Kowal discusses what investors should and should not do in the face of increasing prices, shares estate planning updates related to the Tax Cuts and Jobs Act, Jeff Kowal examines common mistakes made amid a divorce, and Aaron touches on charitable giving strategies for Retirees.

    The Retirement Clinic-5-10-25 – Chasing Returns

    Play Episode Listen Later May 16, 2025 44:24


    Aaron Kowal discusses why chasing returns can hurt your portfolio, later Jeff Kowal shares thoughts on retirees moving to lower tax states and other expenses they need to consider, and Aaron wraps things up with retirement income optimizations.

    The Retirement Clinic-4-26-25 – Tax Considerations

    Play Episode Listen Later May 2, 2025 44:13


    Aaron Spitzner and Tom Krueger discuss the new landscape for retirement, share insights on Roth IRAs, Roth Conversions, and taxes, and examine tax benefits or lack thereof when relocating.

    The Retirement Clinic-4-5-25 – Retirement Myths

    Play Episode Listen Later Apr 18, 2025 44:25


    Chaunsy Weisensel and John White share myths about retirement savings, spending, and more, examine market volatility and history of the markets, and discuss how you can help your children understand money and finances.

    The Retirement Clinic-3-29-25 – Social Security

    Play Episode Listen Later Apr 11, 2025 43:57


    Jeff Kowal and guest Karyl Richson discuss how social security was first issued and the confusion around the deceased, examine social security overpayments and the annual earnings limit, and share a story around unintentional fraud and lessons to be learned.

    The Retirement Clinic-3-22-25 – Enjoying Retirement

    Play Episode Listen Later Apr 3, 2025 43:11


    Joe Still and Tom Krueger discuss things to do in volatile markets and things to avoid, share the top 10 ways to enjoy your retirement, and highlight the top active adult communities in 2025.

    The Retirement Clinic-3-15-25 – Taxes: Deductions and Scams

    Play Episode Listen Later Mar 26, 2025 42:47


    Aaron Kowal shares common overlooked tax deductions, touches on the benefits of succession planning, discusses the dirty dozen tax scams to avoid, and wraps up with Direct Indexing.

    The Retirement Clinic-3-8-25 – Financial Health

    Play Episode Listen Later Mar 19, 2025 51:50


    Aaron Spitzner examines risk for those with Dementia and the potential impacts on their financial health, Jeff Kowal joins to share the best things about retirement, Aaron touches on gift tax reminders, and wraps up the show with frequently asked questions on Umbrella Insurance.

    The Retirement Clinic-3-1-25 – Estate Plan Basics

    Play Episode Listen Later Mar 14, 2025 44:52


    Joe Still and John White share withdrawal strategies and your retirement plan, discuss estate plan basics, and examine the key components of an estate plan.

    The Retirement Clinic-2-22-25 – Common IRA Questions

    Play Episode Listen Later Mar 7, 2025 45:30


    Jeff Kowal and Chaunsy Weisensel examine the additional services and resources offered through Creative Planning and the events that push people to meet with a financial advisor, Jeff discusses some common IRA questions, and shares things you can do now to make your estate simpler for your heirs.

    The Retirement Clinic-2-8-25 – The Scarcity Mindset

    Play Episode Listen Later Feb 28, 2025 42:06


    Jeff Kowal discusses the scarcity mindset, working to change your mindset and behaviors in retirement, Chaunsy Weisensel joins to share updates for 2025 catch-up contributions and other options to consider, Jeff touches on tech support scams, and examines estate planning nightmares.

    The Retirement Clinic-1-25-25 – Retirement Milestones

    Play Episode Listen Later Feb 7, 2025 42:57


    Jeff Kowal examines retirement milestones and rules to keep in mind, Aaron Spitzner joins the show to discuss 4 changes to retirement accounts in 2025, and Jeff shares insights for the ultra-high net worth and the affluent.

    The Retirement Clinic-1-18-25 – Kowal Investment Group Is Now Creative Planning

    Play Episode Listen Later Jan 30, 2025 43:06


    Chaunsy Weisensel and Tom Krueger discuss the move to Creative Planning and the services available, share retirement advice for couples, and examine mistakes every investor makes and how to avoid them.

    The Retirement Clinic-1-11-25 – 2025 Retirement Changes

    Play Episode Listen Later Jan 28, 2025 45:14


    Jeff Kowal discusses 2025 changes to contribution limits and more, shares insights for Millennials saving for retirement, and gives thoughts on retirees' fears about outliving their money and spending rates.

    The Retirement Clinic-12-7-24 – How to Not Ruin Your Kids with Money

    Play Episode Listen Later Dec 18, 2024 43:21


    Jeff Kowal and guest Mark Shiller, attorney with Certus Legal Group, discuss people's varying relationships with money, how money can change you, and examine common estate planning mistakes people make.

    The Retirement Clinic-11-23-24 – Important Insurance Considerations

    Play Episode Listen Later Dec 6, 2024 43:46


    Aaron Kowal and guest Brian MacGillis of MacGillis Insurance discuss increases in insurance costs and what is contributing to it, highlight various types of insurance coverage, examine the need for cybersecurity insurance, and share insights regarding property and casualty insurance for high-net-worth individuals.

    The Retirement Clinic-11-16-24 – Best and Worst States to Retire In

    Play Episode Listen Later Dec 1, 2024 43:10


    Chaunsy Weisensel shares the best and worst states to retire in and why, discuss why you are not too young for an estate plan, and Jeff Kowal joins to share insights regarding Roth conversions and required minimum distributions.

    The Retirement Clinic-11-9-24 – Long-term Care

    Play Episode Listen Later Nov 20, 2024 42:00


    John White and guest Mike Smith of CPS Horizon highlight November as Long-term Care Awareness Month and why it is so important, examine costs of Long-term Care with and without coverage, share insights for determining the coverage you need, and touch on inherited IRAs.

    The Retirement Clinic-10-26-24 – Medicare Annual Enrollment

    Play Episode Listen Later Nov 13, 2024 43:11


    Aaron Spitzner and Mark Maynard of Senior Benefit Solutions discuss Medicare annual enrollment, answer common Medicare questions, and share insights regarding income planning for Medicare premiums.

    retirement medicare clinic medicare annual enrollment mark maynard
    WKLH - 10-18-24 – Alyssa Johnson Interview – The Best Time to Start Planning

    Play Episode Listen Later Nov 1, 2024 12:22


    WKLH's Dave and Dorene ask Alyssa Johnson when the best time is to meet with an advisor, discuss the importance of women being involved in the process, share educational opportunities Kowal [Investment Group offers throughout the year, and what the process is to get started with Kowal.

    WKLH - 10-18-24 – Aaron Spitzner Interview – Fee-based vs. Commission-based

    Play Episode Listen Later Nov 1, 2024 8:51


    WKLH's Dave and Dorene ask Aaron Spitzner about what it means to be a Fiduciary, discuss fee-based versus commission-based, the benefits of working with a Financial Advisor, and navigating different scenarios.

    WKLH - 10-18-24 – Jeff Kowal Interview – Retirement Planning

    Play Episode Listen Later Nov 1, 2024 12:33


    WKLH's Dave and Dorene share personal experiences with Jeff Kowal, discuss planning for retirement and ‘what if' scenarios, and touch on changing your mindset in retirement.

    The Retirement Clinic-10-19-24 – The Importance of an Estate Plan

    Play Episode Listen Later Oct 25, 2024 42:29


    John White and guest Gifford Collins of Collins Law discuss the importance of estate plans and why you need one, shared insights regarding preparing an estate plan, and examine the potential sunsetting of the Tax Cuts and Jobs Act.

    The Retirement Clinic-10-5-24 – Election Impact on the Stock Market

    Play Episode Listen Later Oct 11, 2024 43:58


    Jeff Kowal and Aaron Spitzner discuss the impact the upcoming election may have on the stock market, share thoughts on retirement savings early withdrawals and savings mistakes, and examine how you can help your family wealth last for generations.

    The Retirement Clinic-9-28-24 – Considerations Before Retirement

    Play Episode Listen Later Oct 4, 2024 45:33


    Jeff Kowal and Joe Still discuss things you should consider before retirement, examine the pros and cons of early retirement, and share common reasons why families argue over inheritances and how to avoid them.

    The Retirement Clinic-9-14-24 – Selling A Business

    Play Episode Listen Later Sep 20, 2024 43:37


    Aaron Kowal and guest Tim Nettesheim of N2 Advantage Law discuss negotiations when selling a business, share insights on when it is a good time to sell your business, and examine how the current economy and upcoming election play a role in selling conditions.

    The Retirement Clinic-9-7-24 – Buyer Beware

    Play Episode Listen Later Sep 13, 2024 44:00


    Aaron Spitzner shares “buyer beware” situations with annuities and fraud, Jeff joins to examine what you should do with your 401k when you retire, and Aaron discusses strategies to avoid a big tax bill when you inherit an IRA.

    The Retirement Clinic-8-24-24 – Behavioral Finance and Investing

    Play Episode Listen Later Sep 10, 2024 44:07


    John White discusses behavioral finance and the emotional side of investing, Jeff Kowal joins to share milestone dates and rules to keep in mind in retirement, and warp things up by touching on the upcoming presidential election and the stock market.

    The Retirement Clinic-8-17-24 – What is a Fiduciary

    Play Episode Listen Later Aug 30, 2024 45:00


    Aaron Spitzner and Chaunsy Weisensel discuss the consumer slowdown as Americans begin to scale back, examine what a fiduciary is and the legal responsibility that is upheld, and share insights regarding beneficiary reviews.

    The Retirement Clinic-8-10-24 – Generational Wealth

    Play Episode Listen Later Aug 27, 2024 46:25


    Jeff Kowal and guest, Al Spiegel with The McLario Firm, discuss generational wealth and tax laws, share insights for keeping family wealth in the family, and touch on how you can keep your heirs from blowing their inheritance.

    The Retirement Clinic-8-3-24 – Determining Your Insurance Needs

    Play Episode Listen Later Aug 13, 2024 45:10


    Aaron Kowal and guest Mike Smith of CPS Horizon discuss how to determine how much insurance you need, examine a Supreme Court ruling on buy-sell agreements, and share an alternative for paying taxes on inherited IRAs under the SECURE Act.

    The Retirement Clinic-7-27-24 – Proper Planning for Your Retirement

    Play Episode Listen Later Aug 9, 2024 44:09


    Jeff Kowal and Anthony Priester examine what you need to know about Roth 401ks, discuss phasing in the retirement dream, and share insights regarding whether you should or should not start gifting money to your heirs now.

    The Retirement Clinic-7-20-24 – Expenses You May Spend Less on in Retirement

    Play Episode Listen Later Jul 31, 2024 45:43


    Chaunsy Weisensel and John White discuss saving for retirement early and how Gen Z is doing so far, share 9 things you will likely spend less money on in retirement, and examine the Generation-Skipping Transfer Tax.

    The Retirement Clinic-7-13-24 – When You Need an Estate Plan

    Play Episode Listen Later Jul 25, 2024 43:34


    Aaron Kowal and guest Mark Andringa, Partner with Cramer Multhauf, discuss what a Healthcare Power of Attorney is and when you need one, examine buy/sell agreements for business owners, and share insights for incorporating gifting strategies in your estate plan.

    The Retirement Clinic-7-6-24 – Where to After Retirement?

    Play Episode Listen Later Jul 19, 2024 45:45


    Jeff Kowal and Joe Still discuss things to consider when selecting a new place to live in retirement and 8 great places to look at, examine retirement account balances and how much you need, and share insights regarding tax faux pas when planning who inherits what from your estate.

    The Retirement Clinic-6-29-24 – Retirement Finances

    Play Episode Listen Later Jul 10, 2024 43:26


    Aaron Spitzner and Jeff Kowal discuss what to do with your 401k when you retire, share insights regarding discussing retirement finances with your spouse, and examine naming an executor to your estate.

    The Retirement Clinic-6-22-24 – Creating a Plan for Social Security Benefits

    Play Episode Listen Later Jun 28, 2024 44:38


    Jeff Kowal and Chaunsy Weisensel discuss reasons a persona may want to claim social security early, share legal problems your family can encounter when you don't update your beneficiaries or estate plan, and examine Spousal Lifetime Asset Trusts (SLAT).

    The Retirement Clinic-6-15-24 – Selling Your Business

    Play Episode Listen Later Jun 20, 2024 43:05


    Aaron Kowal and guest Joe Braier, President of Lake Country Advisors, discuss the psychological aspect of selling your business, share items to focus on to help drive the value of your business, and review the first steps you should take when you decide to sell your business.

    The Retirement Clinic-6-8-24 – Retirement Planning Considerations

    Play Episode Listen Later Jun 14, 2024 44:06


    John White and Anthony Priester discuss the steps you need to consider when planning for retirement, share estate planning mistakes, and examine estate taxes and the Tax Cuts and Jobs Act.

    The Retirement Clinic-6-1-24 – Why You May Need a Corporate Trustee

    Play Episode Listen Later Jun 7, 2024 42:24


    Jeff Kowal and Chris Berens of Horicon Bank discuss what a Corporate Trustee is and who would use one, examine the benefits of having a Corporate Trustee, and share real-life examples of how things can go wrong and when things go right.

    The Retirement Clinic-5-18-24 – AI & Cybersecurity

    Play Episode Listen Later May 31, 2024 43:09


    Aaron Kowal and guest Mike Senkbeil of Chortek discuss how AI is being used in cybersecurity attacks, examine the cybersecurity curve to determine where your business falls, and share thoughts on why AI is like the Manhattan Project.

    The Retirement Clinic-5-11-24 – Retirement Savings Concerns

    Play Episode Listen Later May 23, 2024 44:32


    Aaron Spitzner and Chaunsy Weisensel discuss the average age Americans are retiring at – it's sooner than planned, examine why some are concerned they cannot achieve financial security in retirement, and share insights on qualified charitable distributions and donor-advised funds.

    The Retirement Clinic-5-4-24 – Medicare Planning for Retirement

    Play Episode Listen Later May 17, 2024 44:14


    Joe Still and guest Mark Maynard of Senior Benefit Solutions discuss applying for Medicare, examine the various types of Medicare plans, and share why it is important to work with trusted professionals as you plan for Medicare and retirement.

    The Retirement Clinic-4-27-24 – Special Needs Trusts

    Play Episode Listen Later May 10, 2024 42:56


    Jeff Kowal and guest Al Spiegel of The McLario Firm discuss what a special needs trust is and who needs it, examine First Party Trusts vs Third Party Trusts, and share insights to amending your estate plan.

    The Retirement Clinic-4-20-24 – The Retirement Magic Number

    Play Episode Listen Later May 7, 2024 45:27


    Jeff Kowal and John White examine what a Monte Carlo Analysis actually means, discuss the retirement magic number – how much is enough, and share insights regarding estate planning, inheritances, and blended families.

    The Retirement Clinic-4-13-24 – Traditional vs. Modern Estate Plans

    Play Episode Listen Later Apr 26, 2024 41:55


    Aaron Kowal and guest John Koenig, of Elder Advisors Law, discuss the important legal documents you need to have in place, examine traditional estate planning vs. modern estate planning, and share insights regarding shared trusts.

    The Retirement Clinic-4-6-24 – Are Americans Prepared for Retirement?

    Play Episode Listen Later Apr 19, 2024 44:40


    Joe Still and Anthony Priester discuss if the average American is prepared for retirement, share insights for how Americans can start answering their planning and savings questions, and examine rules around rolling over a 529 plan to a Roth IRA.

    The Retirement Clinic-3-30-24 – Navigating Social Security

    Play Episode Listen Later Apr 12, 2024 42:30


    Jeff Kowal and Karyl Richson discuss social security benefits and when to take your benefits, examine if social security will run out, share insights for stopping benefits if you go back to work, and touch on overpayments.

    The Retirement Clinic-3-23-24 – Early Withdrawals and Common Mistakes

    Play Episode Listen Later Apr 1, 2024 43:14


    Jeff Kowal examines rules around 72Ts and in-service withdrawals, Aaron Spitzner joins the show to discuss how Americans are treating their 401ks like an ATM, and Jeff wraps things up with common IRA mistakes and shares insights for the surviving spouse.

    The Retirement Clinic-3-16-24 – Understanding Long-term Care

    Play Episode Listen Later Mar 22, 2024 42:50


    Aaron Kowal and Mike Smith of CPS Horizon discuss strategies for withdrawing from inherited IRAs, examine long-term care planning, costs, and plan options, and share insights regarding Trump's potentially expiring tax cuts.

    The Retirement Clinic-3-2-24 – Little Known Rules about IRA Contributions

    Play Episode Listen Later Mar 14, 2024 44:12


    Aaron Spitzner and Joe Still discuss little known rules about IRA contributions, share the worst retirement mistakes to avoid, and touch on FDIC coverage limits and work arounds.

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