Podcasts about four steps

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss long-term care, one of the topics that comes up most often with clients, including those who have saved well and still want a clear plan for it. They break down what long-term care actually means, why it's not the nursing-home picture most people assume, and how continuous care retirement communities and in-home care both fit into real financial planning.Listen in to learn about the two hybrid approaches available today for funding long-term care, a life insurance policy with a built-in long-term care benefit and a long-term care annuity, and why the tax treatment on each one matters more than most people realize when it comes to protecting retirement savings.In this episode, find out:What long-term care actually means, based on the technical definition of needing help with two out of six activities of daily livingWhy continuous care retirement communities offer an independent, resort-style option most people don't expectWhy Medicare does not cover long-term care, and what gap that leaves in a retirement planHow a life insurance policy with a long-term care rider can provide either a tax-free death benefit or tax-free care funding, depending on what happensHow a long-term care annuity works, including the typical two-to-three-times benefit multiplier and tax-free withdrawals for qualifying careTweetable Quotes:"The technical definition of long-term care is that you have someone that cannot perform two out of the six activities of daily living." - Radon Stancil"If you don't use the money, if you don't go into long-term care and you end up passing away, there's still a benefit that goes to the beneficiaries." - Murs Tariq (flagged for audio verification before publishing per standard compliance check)Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the tax problem quietly building for anyone with a large 401(k) or IRA, required minimum distributions, Roth conversions, and the Medicare IRMAA surcharge that catches even careful savers off guard.Listen in to learn about how RMDs are calculated once you reach your 70s, why a disciplined saving habit can turn into a bigger tax bill than expected, how a Roth conversion strategy can smooth that out over time, and how Medicare's IRMAA surcharge fits into the timing of it all.In this episode, find out:What a required minimum distribution (RMD) actually is, and why it can surprise even the most disciplined saversA simple way to estimate what your own future RMD could look like, using nothing more than your current balance and a rough growth assumptionHow a Roth conversion strategy can smooth out RMDs over time, including a real example from POM's tax strategy sessions that projected six figures in lifetime tax savingsWhat the Medicare IRMAA surcharge is, why it's tied to your income two years before you enroll, and why it can add hundreds or thousands of dollars a year to your Medicare premiumWhy RMD planning and Medicare IRMAA planning can't be handled separately, and need to be revisited every year as part of a real tax strategyTweetable Quotes:"Not everybody should do a Roth conversion, but everybody should have an analysis done to find out if it makes sense." — Radon Stancil"A big 401(k) is a good problem to have, but it's still a problem you need a plan for." — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the biggest sources of investment risk hiding in plain sight for people nearing retirement: a portfolio that has grown large thanks to a handful of Magnificent 7 stocks, and what that means once a paycheck is no longer coming in. They walk through a real conversation with a new client whose accounts had grown substantially through stocks like Nvidia stock, Tesla, and Amazon, and why the retirement investment strategy that builds wealth is not the same one that should carry you through spending it. If you've ever wondered whether your risky investments have quietly become too large a piece of your retirement portfolio, this episode breaks down how to think it through without giving up the gains you've earned. Listen in to learn about the numbers behind the Magnificent 7 run-up and the very real stock market risk that comes with it, including the 2022 pullback most investors have already forgotten. Radon and Murs unpack sequence of returns risk, why retirement risk management looks completely different once withdrawals begin, and how their three bucket strategy is built to protect retirement savings while still allowing room for growth. Whether you're actively planning retirement, working through a retirement checklist, or simply thinking about how to retire comfortably without one bad year undoing decades of work, this conversation lays out a retirement income strategy built for exactly that moment. In this episode, find out: Why the Magnificent 7 stocks grew so dramatically since 2020, and the specific 2022 declines (Tesla, Meta, Nvidia, Amazon, Alphabet, and Microsoft) that most investors have already forgotten about The math behind why a 50% loss requires a 100% gain just to break even, and why that matters so much more once you're living off your retirement portfolio How the accumulation phase and the retirement phase call for two completely different approaches to risk, and why what worked to build your wealth can work against you once you retire A breakdown of the three bucket strategy, including how the cash, growth, and safety and income buckets work together for real retirement portfolio diversification Why you don't have to sell your winning stocks to build a secure retirement financial plan, and how to keep a piece of the growth you're proud of while protecting the rest Tweetable Quotes: "What gets you up the mountain won't get you down. It's a different type of physicality that we need to be able to deal with." — Radon Stancil "There's ways to invest when you're growing your assets, and then there's ways to invest when you're trying to have your assets generate and preserve them." — Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

Dan Brisse is the co-founder and managing partner of Granite Towers Equity Group, where he oversees operations, acquisitions, investor relations, and asset management. Before becoming a real estate investor, Dan spent more than 13 years as a professional snowboarder, winning multiple X Games gold medals and becoming one of the top urban snowboarders in the world. After seeing fellow athletes struggle financially when their careers ended, Dan began investing his earnings into real estate and building passive income. Today, Granite Towers manages thousands of multifamily units and hundreds of millions in investor equity. On this episode we talk about: How Dan went from a professional snowboarding career to building passive income through real estate The financial lessons he learned from watching professional athletes struggle after their careers ended Why increasing passive income became more important to Dan than simply increasing earned income How real estate cycles, interest rates, and variable-rate debt are creating opportunities in today's multifamily market The importance of maintaining a modest lifestyle when your income increases How Dan approaches investing, diversification, taxes, and building long-term wealth Top 3 Takeaways Don't confuse a high income with wealth. When your income increases, maintain financial discipline and put the extra capital into assets that can continue producing income long after the paycheck stops. Understand the cycle you're investing in. Real estate markets move in cycles, and periods of fear can create opportunities for investors who understand the fundamentals and have the capital to act. Learn how to keep the money you make. Earning more is only part of the equation. Dan emphasizes the importance of taxes, investing, controlling your capital, and building assets that can create wealth for decades. Notable Quotes “You're not rich yet. You just made good money this year.” “How do you keep it for more than 15 seconds?” “If you put your capital into an asset to work for you, now you have the capital and you're getting streams of income that I control.” Connect with Dan Brisse: Website: Granite Towers Equity Group Podcast: Keeping It Real Estate Book: Four Steps to Successful Passive Investing Instagram: https://www.instagram.com/danbrisse/ A Word from Our Sponsors: - Go to Leesa.com for 25% OFF select mattresses (through August 23, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Episode of the Secure Your Retirement Podcast, Radon discusses what really happens inside a personalized retirement financial plan, walking through the exact process our Director of Financial Planning and Tax Strategy, Taylor Wolverton, uses with every new client. This episode is built for anyone thinking seriously about financial planning for retirement, whether you're still working, already retired, or somewhere in the middle trying to figure out how to retire without losing sleep over the numbers. Retirement planning strategies only work if they're built on your real accounts and your real goals, not a rough guess, and that's exactly what this conversation breaks down step by step.Listen in to learn about how a real retirement financial plan gets built from the ground up: mapping every account into a single clear picture, laying out retirement income planning around Social Security and required minimum distributions, and using a retirement spending plan to test what you can actually afford, including the big goals you've been putting off. If you're doing financial planning after 60 and wondering whether your retirement investment strategy and retirement cash flow can support the life you actually want, this episode shows you how that question gets answered with real numbers instead of guesswork.In this episode, find out:How a "blueprint" of your accounts reveals your true net worth, often higher than you'd guess in your headWhy retirement income planning has to map every source, Social Security, pensions, salary, and required minimum distributions, on its own timelineHow a retirement spending plan and goals section let you test big one-time expenses, like travel or a kitchen renovation, against your long-term numbersWhy a retirement financial plan gets projected all the way to age 90, and what a rising or falling balance actually tells youHow conservative assumptions on returns and inflation give your retirement checklist room to work even if the market underperformsTweetable Quotes:"I don't care how much money people have. They think they're going to run out." - Radon Stancil"It is hard for people to go from saving, saving, saving to spending, spending, spending, and it can be a scary transition." - Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

We all have a "thing" — the way we act when we're not at our best that we somehow can't see in ourselves. Leadership expert Chris Wheatley learned about his when his best friend at work called him on it. He shares how hearing that hard truth shattered a lifelong pattern of defensiveness, offering a practical framework for receiving feedback with tact. Hosted on Acast. See acast.com/privacy for more information.

You've hired good people. You hold one-on-ones. You give feedback. You've even promoted the right person, and it's still all coming back to you. Before you write one more person off as "just not ready," listen to this episode.00:00:57 – What Happens When You Disappear00:02:51 – Why the Obvious Fixes Don't Work00:04:25 – The Real Problem: Nothing Was Built, Not That People Can't Carry It00:06:48 – The Four Things That Have to Be in Place00:10:06 – Example + Your AssignmentJoin me for the free live workshop, Four Steps to Build a Business that Runs Without You, this Thursday, August 6th at 11am Central. Seats are limited, and there's a bonus only for those who register, even if you can't make it live, register now to get the replay. Save your seat at chrislocurto.com/build.

New Trump accounts are now open for enrollment, and the question we're hearing from clients isn't whether they're worth considering. It's how they stack up against the accounts families have already been using for years, 529 plans, UTMA and UGMA custodial accounts, brokerage accounts, and Roth or traditional IRAs for kids. This episode is the follow-up to our first Trump accounts conversation, and it's the one to listen to if you're trying to figure out which account, or which combination of accounts, actually fits your family's goals.Taylor Wolverton, our Director of Financial Planning and Tax Strategy, joins Murs Tariq again to walk through each option side by side. They cover contribution limits, tax treatment, distribution restrictions, and the one detail about Roth IRAs that most social media advice leaves out entirely. There's no single best account here, and that's the point. The right strategy usually combines two or three of these tools, and this episode gives you the framework to figure out which ones belong in yours.In this episode, find out:Why Trump accounts don't require your child to have earned income, and how that changes the math compared to a Roth IRAHow the Trump-account-to-Roth conversion works once your child turns 18, and why timing it right could mean decades of tax-free growthWhat's changed about 529 plans that makes them far more flexible than the version most parents remember, including the new Roth rollover optionThe real trade-off behind UTMA and UGMA custodial accounts, and why control matters more than most families realize until it's goneThe one requirement missing from nearly every "open your kid a Roth IRA" post you see online, and what to do about it if your kids aren't earning yetTweetable Quotes:"There's not one that's just like, quote unquote, best. It really depends on what your goal is with these accounts and what you're trying to accomplish." — Taylor Wolverton"The Trump account kind of helps you navigate building that wealth without having to worry as much about earned income." — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

Your one-on-ones aren't producing what you want them to, and it's probably not the meeting's fault. I break down the three judgment questions that turn a flat status check-in into a real development conversation.02:04 The Same Meeting Every Time04:08 The Wrong Conclusion (Why You Think They've Plateaued)06:43 The Real Problem: Your Questions, Not the Meeting11:21 The Three Judgment Questions19:25 Putting It Into PracticeJoin me live on August 6th at 11am Central for a free workshop, Four Steps to Build a Business That Runs Without You. Register at chrislocurto.com/build.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss Trump Accounts with Taylor Wolverton, our Director of Financial Planning and Tax Strategy, breaking down exactly how do Trump Accounts work, who qualifies, and why this new option for Trump Investments is quickly becoming part of the conversation around saving for children and investing for grandchildren. Retirement planning has always started with the accounts you already know, but these works differently, and if you're building a family financial planning strategy or looking for financial gifts for grandchildren, it's worth understanding before you decide whether it belongs in your plan.Listen in to learn about the eligibility rules, the contribution limits, and the one-time $1,000 government deposit that applies to certain children. Radon and Murs also walk through a Roth conversion strategy hiding inside these accounts, one that turns a simple child investment plan into a genuine tool for building generational wealth. Whether you're deep into your own retirement tax planning or just starting to think about a retirement checklist for your family, this episode connects a brand-new account to the same retirement tax strategies you may already be using in your own retirement financial plan.In this episode, find out:What a Trump Account is, who's eligible, and how the application process actually worksThe contribution rules, including the $5,000 annual limit and the one-time $1,000 seed deposit for eligible childrenHow employer contributions work and why they don't add to your taxable incomeThe Roth conversion strategy that can turn contributions into a tax-free retirement account for your childWhen money can be withdrawn, and the penalties to know about before that ageTweetable Quotes:"There's zero money to us in setting up a Trump account. We just wanted to talk it through, because there are real benefits people can take advantage of." - Radon Stancil"There's not many ways you can get a thousand dollars tax-free. If someone was born between 2025 and 2028, it seems like a no-brainer." - Murs TariqResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

Lots of us are afraid of the very word: fear. We'd rather say anxiety, or worry, or panic.  Yet according to Thom Rutledge, fear underlies most difficult emotions, and is a close companion to shame. Fear plays into just about every decision we ever make in our lives. To defeat fear, according to Thom, is neither possible nor desirable. Instead we need to live beyond its control, and to understand it. Rather than squashing down the voices of panic and dread, we can face up to them, explore them and respond.  In this episode Andrew and Thom explore: ✅ The meaning of fear ✅ How we can understand fear in our own lives ✅ How our family background shapes our experience of fear ✅ Four ways we can start to “embrace fear”. Thom Rutledge has been a psychotherapist for more than 40 years and is the author of several books, including Embracing Fear, The Self-Forgiveness Handbook, Earning Your Own Respect, The Greater Possibilities and What Love Is. He draws on professional training and experience as well as his own personal experience in recovery and personal growth to work with his clients. Thom and his colleague, Dr. Allen Berger, co-host their own weekly podcast, Emotional Sobriety.   If You're Looking for More…. You can subscribe to The Meaningful Life (via Apple Podcasts, Spotify or Google Podcasts) and hear a bonus mini-episode every week. Or you can join our Supporters Club on Patreon to also access exclusive behind-the-scenes content, fan requests  and the chance to ask Andrew your own questions. Membership starts at just £4.50.  This week supporters will hear: - Three things Thom Rutledge knows to be true. - AND subscribers also access all of our previous bonus content - a rich trove of insight on love, life and meaning created by Andrew and his interviewees.   Follow Up Get Andrew's free guide to difficult conversations with your partner: How to Tell Your Partner Difficult Things  Take a look at Andrew's new online relationship course: My Best Relationship Tools   Visit Thom Rutledge's website Read Thom Rutledge's books, including Embracing Fear.  Listen to Emotional Sobriety, a podcast co-hosted by Thom Rutledge and Dr Allen Berger. Follow Thom Rutledge on Twitter @ThomRutledge Read Andrew's blog on how keeping a journal can help deal with difficult emotions: Top Twelve Benefits of Journaling  If anxiety is a topic of interest for you, you may also enjoy Andrew's conversation with Richard Paterson: No More Overthinking Join our Supporters Club to access exclusive behind-the-scenes content, fan requests and the chance to ask Andrew your own questions. Membership starts at just £4.50. Andrew offers regular advice on love, marriage and finding meaning in your life via his social channels. Follow him on Twitter, Facebook and YouTube @andrewgmarshall 

Joel and Kevin dive deep into the latest toy news from Playmates, Sir Ivan of Zandar's lightning debut in Legacy Wars, and give our thoughts on the newest issues of Power Rangers Unlimited and Mighty Morphin Power Rangers. It's 6 pm, do you know where your Dragonzord is? It might be on Kickstarter now!Originally Recorded: 7/18/26May the Power Protect You, Always.Follow us on Bluesky!Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@MayThePowerPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Bluesky)Joel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Thespispunk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Bluesky)⁠Kevin: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@BridgeMT3⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (Bluesky)/ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@BridgeMT ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Twitch)

You're about to have a really hard conversation with somebody you believed in. Before you do, you need to hear this first. Let's break down why the leader you promoted isn't a bad hire, but a stalled identity shift. I also give you the exact conversation to fix it. Tune in now!Key highlights:00:00 — The Problem: A Leader Who Seems Off01:53 — The One-on-One That Reveals the Problem06:26 — Why You Didn't Make the Wrong Call: Identity Never Changed12:24 — The Three Stall Points Holding Your New Leader Back21:27 — How to Have the Conversation That Actually Fixes ItJoin me live on August 6th at 11am Central for a free workshop, "Four Steps to Build a Business That Runs Without You." Register at chrislocurto.com/build.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss Concentrated Stock Positions and why so many pre-retirees and retirees are sitting on a mountain of Appreciated Stock without a plan for it. Whether it came from Company Stock Options at a long-time employer or from riding a big name higher over the past few years, a single stock that grows into half a portfolio changes the entire risk picture heading into retirement. Radon and Murs break down why Stock Diversification matters more now than it did during your working years, and why Capital Gains Taxes are usually the real obstacle keeping people stuck.Listen in to learn about the Tax-Efficient Investing strategies Nick Hyman is using with clients to unwind large positions without triggering an unnecessary tax bill. You'll hear how Tax-Loss Harvesting through Direct Indexing can offset gains, how a Donor-Advised Fund can move highly appreciated shares to charity with zero tax on the gain, and how bracket-aware selling fits into a coordinated Retirement Investment Strategy. If you're building a Retirement Financial Plan and Company Stock Options or one big winning stock are part of the picture, this episode lays out exactly where to start.In this episode, find out:Why holding a large Concentrated Stock Position is a different risk in retirement than it was while you were workingHow Tax-Loss Harvesting and Direct Indexing can help offset gains when you sell Appreciated StockWhy bracket-aware selling, year by year, is central to smart Retirement Tax PlanningHow a Donor-Advised Fund lets charitably inclined retirees give appreciated shares without paying tax on the gainWhy doing nothing about a concentrated position only compounds the problem instead of solving itTweetable Quotes:"When we're working and we have a salary and income coming in, if a stock goes down 20, 30, 40 percent, it's not as big of a deal because there's still income coming in the door." - Murs Tariq"If you just stay in this place of doing nothing, you only are compounding the problem. It's not getting better." - Radon StancilResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

Do you constantly feel exhausted despite getting enough rest? Could persistent fatigue be a sign that your body is trying to tell you something important? In this informative episode of The ‘X' Zone, Rob McConnell welcomes physician and author Linda Hawes-Clever to discuss her book, The Fatigue Prescription: Four Steps to Renewing Your Energy, Health and Life. Dr. Hawes-Clever explores the many factors that can contribute to chronic fatigue, including lifestyle, nutrition, stress, sleep quality, hormonal balance, and underlying medical conditions. She explains her four-step approach to restoring energy and improving overall health, emphasizing the importance of working with qualified healthcare professionals to identify the root causes of persistent fatigue rather than simply treating symptoms. Throughout the conversation, listeners gain practical insights into healthy living, preventive medicine, stress management, and the role of balanced nutrition and exercise in supporting long-term wellness. Dr. Hawes-Clever also discusses how small, sustainable lifestyle changes can make a meaningful difference in improving vitality and quality of life. Whether you're experiencing ongoing fatigue, looking to improve your overall well-being, or interested in preventive healthcare, this episode offers valuable information and practical strategies for pursuing a healthier, more energetic life.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-x-zone-radio-tv-show--1078348/support.Please note that all XZBN radio and/or television shows are Copyright © REL-MAR McConnell Meda Company, Niagara, Ontario, Canada – www.rel-mar.com. For more Episodes of this show and all shows produced, broadcasted and syndicated from REL-MAR McConell Media Company and The 'X' Zone Broadcast Network and the 'X' Zone TV Channell, visit www.xzbn.net. For programming, distribution, and syndication inquiries, email programming@xzbn.net.We are proud to announce the we have launched TWATNews.com, launched in August 2025.TWATNews.com is an independent online news platform dedicated to uncovering the truth about Donald Trump and his ongoing influence in politics, business, and society. Unlike mainstream outlets that often sanitize, soften, or ignore stories that challenge Trump and his allies, TWATNews digs deeper to deliver hard-hitting articles, investigative features, and sharp commentary that mainstream media won't touch.These are stories and articles that you will not read anywhere else.Our mission is simple: to expose corruption, lies, and authoritarian tendencies while giving voice to the perspectives and evidence that are often marginalized or buried by corporate-controlled media

The Fifty Four Steps of the Holy Mass with St. Padre Pio - All the Winds of Heaven - Galactica, 6, Season 6, Out-of-Body Travel FilmsBased on the Book Series 'Galactica: A Treatise on Death, Dying and the Afterlife,' by Marilynn HughesThe Out-of-Body Travel Foundation - https://outofbodytravel.org – Astral Travel and Astral Projection: Download Books, Films, Seminars, Livestreams, Music, Art, Vignettes, Radio and TV Appearances and More on Out-of-Body Experiences. (Ghosts, Reincarnation, Initiations, Heaven, Hell, Angels, Demons.) Out-of-Body Travel Author, Marilynn Hughes (Copyright)Out of Body Travel, Out of Body Experiences, Out of Body, Astral Travel, Astral Projection, Near Death Experiences, Mystical Experiences, OBE, OOBE, NDE

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss what really happens during an evaluation appointment, the first Financial Advisor Meeting most people have when they start exploring what it actually takes to plan for retirement. They break down the five critical areas that determine Retirement Success, known as the ROUTE to Retirement: Retirement Risk Management, Retirement Income Planning, Medicare Planning and Long-Term Care Planning under one unified healthcare umbrella, Retirement Tax Planning, and Estate Planning. If you've ever wondered what separates a real Retirement Financial Plan from a portfolio review with a nice title, this episode lays out exactly where most plans quietly fall short.Listen in to learn about why a simple one-to-ten risk question reveals more about your Retirement Readiness than any account statement ever could, how a written Retirement Investment Strategy and a real Social Security Planning conversation change decision making for the better, and why Retirement Tax Strategies put in place before the calendar year ends can outweigh almost any other move you make on the road to retiring comfortably.In this episode, find out:Why the risk scale used in every evaluation appointment skips the number seven, and what your honest answer reveals about your true Retirement ReadinessHow a written retirement income plan and clear Social Security Planning turn a stressful guessing game into a Retirement Financial Plan with actual data behind itWhy Medicare Planning and Long-Term Care Planning are treated as one Unified Healthcare conversation, and what a dedicated Medicare specialist changes about that experienceWhy most people's Retirement Tax Planning happens too late to matter, and how proactive Retirement Tax Strategies executed before December 31st can beat any adjustment to an investment strategyWhat a five-year-old estate plan gets wrong, and the real story of a client who needed updated documents in a single week before leaving for a cruiseTweetable Quotes:"Retirement planning is a bunch of knobs, and if you turn one, you're turning all the others." - Murs Tariq"It's something people don't want to talk about, and it's easy to procrastinate on it because, hey, I'm good, I'm healthy." - Murs TariqWhether you're years from retiring or already retired, this episode doubles as a retirement checklist for anyone planning retirement who wants a second look at whether their plan for retirement actually holds up across all five areas. Retirement isn't one decision; it's five connected ones, and this episode walks through exactly how those five come together to help you secure your retirement with real confidence instead of a guess.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

The world is changing around us at a pace that is unprecedented in human history, and unless we change ourselves and our organizations at least as rapidly as the world we inhabit, we will fall behind. The implications are staggering. In this podcast, I share another of the 25 most important lessons I've learned over my 30-year career.  ************************************************************* Subscribe to Dave's Newsletters Check out the X-I Community

What if the thing that keeps triggering you is actually trying to heal you? In this solo episode of Harder Than Life, Kelly explores the connection between emotional triggers, childhood wounds, self-awareness, and personal growth. Through a recent experience with a difficult client interaction, he reveals how quickly old patterns can take over — and what to do instead. This episode breaks down why certain situations create outsized emotional reactions, how unresolved experiences shape adult behavior, and why many of our recurring problems aren't happening to us—they're happening through us. Kelly introduces practical tools including the Sacred Pause, boundary-setting, and a simple four-step framework for transforming reactivity into self-awareness and personal power. If you've ever found yourself overreacting, shutting down, avoiding conflict, or repeating the same emotional patterns, this conversation offers a different perspective. Key Topics:

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss retirement planning 2026 with returning guest Tom Siomades, chief market economist, for a mid-year Economic Check on everything that's shaped the markets so far. From the Iran conflict's effect on oil prices and inflation to a new Kevin Warsh Fed chair trying to find footing amid inflation and interest rates that refuse to cooperate, this Markets update covers the headlines retirees are hearing everywhere and translates them into what actually matters for your plan.Listen in to learn about why stock market volatility has made 2026 feel like a tale of two markets, with AI stocks 2026 and tech stock names like SpaceX carrying much of the S&P 500 outlook while the rest of the economy absorbs energy prices US pressure and shifting consumer spending trends. Tom shares his honest read on recession risk, why Federal Reserve rate cuts have stalled out, and where the market uncertainty of the SpaceX IPO and the AI rally could go from here.In this episode, find out:Why 2026 has followed a strikingly similar path to last year, and what that pattern means for retirement advice going forwardHow the Iran conflict pushed oil prices and inflation higher, and why gas prices don't fall as fast as oil doesWhat Kevin Warsh Fed chair is up against, and why Federal Reserve rate cuts have all but disappeared from this year's forecastsWhy Tom is cautious about chasing AI stocks 2026 and tech stock hype, including his candid take on the SpaceX IPOWhat Tom is watching for the rest of the year, and why he still sees a path to retiring comfortably despite the market uncertaintyTweetable Quotes:"We sit here in the middle of 2026, and it's amazing how quickly it's gone by, but there's also been a lot of bumps in the road." – Murs Tariq, Secure Your Retirement Podcast"It's amazing if you think about how important oil is to just making the world go round, not just gas, but manufacturing, shipping, and every cargo carrier out there." – Murs Tariq, Secure Your Retirement PodcastWhether you're actively working on your retirement checklist or still in the early stages of planning retirement, this Economic Check is a reminder that a real Retirement Planning strategy has to hold up no matter what the headlines say. Retirement isn't about predicting the next SpaceX IPO or timing the next rate cut. It's about building a plan for retirement sturdy enough to absorb inflation and interest rates, tech stock swings, and everything in between.Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

Are you convinced it's too late to build a YouTube presence that actually moves the needle for your business? I interview Ty Myers to discover how to launch and grow a YouTube channel from scratch—including the production steps that build audience trust and the strategies that turn viewers into paying clients.Four Steps to Get Started on YouTubeIdentifying Topics That Will PerformDeveloping Your YouTube Script, Hook, and CTAsHow to End YouTube Videos to Drive Session DurationRecommendations for Video Recording Equipment and SetupGuest: Ty Myers | Show Notes: socialmediaexaminer.com/725Review our show on Apple PodcastsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Pick up my new book The American Nightmare! => ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click Here!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ In Today's Episode If you find yourself constantly swayed by the world's promotion of fleeting emotions and the desire to keep everyone happy, you need to firmly define your own values before society does it for you. In this episode, you will learn the four-step "principle model" framework that empowers you to run every decision, relationship, and opportunity through your core convictions. You will be challenged to stand firm in your standards and stop negotiating your boundaries just to make other people comfortable. Tune in to discover why integrity is so valuable, and learn how to embrace the true cost of leadership by prioritizing lifelong conviction over temporary approval Listen Now! Other Resources! > Set Up Your Consultation with our Indexed Universal Life Insurance Team = > ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://freedominsurancellc.com/consultation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ > Track your entire crypto portfolio, build exit strategies and receive real-time sell alerts, all in one simple dashboard. Do all of this with our Crypto Tracking App Merlin! Get 30 Days of Merlin Free => ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.merlincrypto.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ > Learn about how to join our 3T Warrior Academy ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://sale.3twarrioracademy.com/home?utm_source=linktree&utm_medium=social&utm_campaign=CJV⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Warriors Rise! Learn more about your ad choices. Visit megaphone.fm/adchoices

Medicare's new GLP-1 Bridge Program gives eligible retirees access to Wegovy and Zepbound for $50 a month — but there are three financial catches worth knowing before you enroll.In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the biggest Medicare developments of 2026 — the new GLP-1 Bridge Program, launching July 1, which allows eligible Medicare beneficiaries to access popular GLP-1 weight loss medications like Wegovy and Zepbound for a flat $50 copay per month. Joined by Peace of Mind Wealth Management's in-house Medicare specialist Sean Southard, they break down exactly what this program is, who qualifies, how the approval process works, and what the financial implications look like for retirees on fixed incomes.Listen in to learn about the three financial angles every retiree needs to understand before enrolling in the GLP-1 Bridge Program, including why that $50 copay sits completely outside your normal Medicare Part D protections, what happens when the program ends in December 2027, and how GLP-1 medications and Medicare prescription drug coverage fit into a broader retirement planning conversation around healthcare costs, budgeting, and long-term affordability.In this episode, find out:What GLP-1 medications are, why Medicare historically excluded them for weight loss, and what changed in 2026 to make the GLP-1 Bridge Program possibleWho qualifies for the program based on BMI and health conditions, and how your doctor submits a prior authorization request through Medicare's centralized systemWhy the $50 flat copay does not count toward your Medicare Part D deductible or annual out-of-pocket maximum, and what that means for your retirement budgetWhat retirees need to plan for when the program's temporary status ends in December 2027 and costs could jump significantlyThe health considerations and side effects of GLP-1 medications that matter most for older adults, and why this conversation belongs with your doctor and your financial plannerTweetable Quotes:"Retirees need to avoid assuming that this benefit program is going to be permanent forever. Plan for what happens if that $50 copay jumps back up to several hundred dollars a month." — Murs Tariq"This is both a healthcare conversation and a financial planning conversation. Retirees should evaluate long-term affordability, potential future coverage changes, and how chronic disease management fits into an overall retirement plan." — Shawn SouthardResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

If you want to give through Grace Church you can do so here: https://pushpay.com/g/grace-alone?src=hpp&r=monthlyStories of Struggle: The Pathway Through is a 10-week series where we look at real people in Scripture who faced fear, rejection, waiting, and more—and how God led them through. Discover how He meets us in our struggles and leads us forward with faith, courage, and purpose.To Learn more about Grace Church go to https://gracechurchco.com/In this message titled "When I Feel Unseen or Rejected," Pastor Rick Long explores the biblical story of Hagar, an Egyptian servant in the household of Abraham and Sarah (Genesis 16). The message offers encouragement for anyone feeling overlooked, unwanted, or forgotten, emphasizing that God sees, meets, and speaks to people in their deepest pain.Key Takeaways on Navigating Rejection:Bring God all your pain (19:45): Healing begins when we stop hiding and bring our true, raw emotions to God. He is present in the wilderness of our struggles.Listen for God's voice (31:20): God speaks to those who slow down, eliminate distractions, and prayerfully seek His truth in His Word (36:00).Let God alone define you (38:08): Our identity is not determined by human rejection, societal labels, or social media. We are known, loved, and named by God, who is Jehovah El-Roi—the God who sees (39:28).Follow God's direction (45:12): Even when it requires humility or returning to a difficult situation, following God's path—not necessarily the easiest or most prestigious one—leads to true satisfaction and purpose.Believe God isn't finished yet (50:29): God met Hagar in the desert and promised her a future, reminding us that our current "wilderness" season is often a turning point where God provides and redeems (51:53).Ministry Announcements:Fourth Annual Forge Fury Classic Golf Tournament: Scheduled for September 14th at Arrowhead Golf Course, with a goal of raising $120,000 for the Forge Fieldhouse (58:42).Church Schedule Change: There will be no service next Saturday, but the church is encouraging everyone to pack the house for Sunday services on July 5th to celebrate the nation's 250th birthday (1:00:50 - 1:02:22).0:00 Introduction and Welcome0:40 Pastor Rick Long's Message Begins1:58 The Story of Hagar6:22 Four Deepest Human Struggles10:47 Biblical Context of Hagar's Story15:12 The Trauma of Rejection16:15 The Pathway Through Rejection19:45 1. Bring God All Your Pain24:17 Three Ways We Run Emotionally31:20 2. Listen for God's Voice35:54 Four Steps to Hearing God's Voice38:08 3. Let God Alone Define You45:12 4. Follow God's Direction50:29 5. Believe God Isn't Finished Yet56:33 Salvation and Invitation58:42 Ministry Announcements1:00:50 4th of July weekend service times

Today's Bible Verse: "But you, dear friends, by building yourselves up in your most holy faith and praying in the Holy Spirit, keep yourselves in God’s love as you wait for the mercy of our Lord Jesus Christ to bring you to eternal life." — Jude 20:21 Reflection:Jude 20-21 gives us a clear picture of how to grow and remain strong in our faith. In a world filled with distractions and uncertainty, God calls us to intentionally build our relationship with Him through four key practices: growing in faith, praying through the Holy Spirit, remaining grounded in God’s love, and patiently trusting in Christ’s promises. Become a BibleStudyTools.com PLUS Member today: https://www.biblestudytools.com/subscribe/ Looking for a peaceful way to end your day? Listen to "Your Nightly Scripture" to end your day with God's word Meet Today’s Host: Reverend Jessica Van Roekel

Everything you believe about building a powerful brand is probably wrong.It might not have been wrong a few years ago.  But, a lot has changed.For one thing, the market has gotten hyper competitive - and deafeningly noisy.To win, you need to get out of the mainstream.  Get off the road that's a giant traffic jam of millions of people pitching like mad – and selling very little.In this episode you'll learn a 4-step method to go from barely known to industry authority.You'll also what it actually takes to beat the market (no, its not a better product or bigger budget).Visit A Seat at The Table's website at https://seat.fm

In this episode of the Secure Your Retirement Podcast, Murs and Nick discuss why retirement stress and retirement anxiety don't disappear when the account balance hits a certain number, and what it actually takes to plan for retirement with real confidence. Joined by Senior Wealth Advisor and Certified Financial Planner Nick Hymanson, they walk through the fears and financial stress that show up most often in client meetings, from losing the paycheck to navigating market volatility, long-term care planning, and the weight of protecting a surviving spouse. Whether you are retiring comfortably or still working toward that goal, this conversation gets honest about the gap between having money and having a plan.Listen in to learn about the five critical areas of retirement income planning that form the foundation of a secure retirement, including tax strategy for retirement, healthcare costs in retirement, estate planning, and how to build a financial checklist that actually prepares you for what retirement looks like day to day. Radon, Murs, and Nick explain how financial planning strategies like Roth conversions in retirement and a structured bucket approach to market volatility can shift retirement planning from something that keeps you up at night to something you trust completely.In this episode, find out:Why retirement anxiety hits even high-net-worth retirees, and how the loss of a paycheck changes the entire structure of a retirement planHow market volatility creates sequence of returns risk in the early years of retirement, and what tax strategies for retirees can do to protect against itWhat long-term care planning and healthcare costs in retirement look like inside a complete financial checklist, and why waiting too long to address them is one of the costliest mistakes in planning retirementHow Roth conversions in retirement and other proactive tax strategy tools can reduce your lifetime tax bill, especially in the years between retirement and required minimum distributionsWhy estate planning and protecting the surviving spouse belongs inside every retirement plan, and how the Peace of Mind Pathway™ addresses all five critical areas under one team, one plan, one feeTweetable Quotes:"The only way you overcome these fears is you talk about them. And the only way you get comfortable and confident is there's a plan around it that you can reference and revisit." – Murs Tariq"How do we structure things so there's less risk in the plan and things go the way someone wants them to go? That's what retirement income planning is really about." – Nick HymansonResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Four Steps to Deal with Issues in your Stepfamily Are you struggling with problems in your blended family, such as resentment, lack of co-operation and arguments? In this episode Liam explains the 4 steps you can use to eliminate the problems caused in a stepfamily. Podcasts – Liam Naden

Four Steps to Deal with Issues in your Stepfamily Are you struggling with problems in your blended family, such as resentment, lack of co-operation and arguments? In this episode Liam explains the 4 steps you can use to eliminate the problems caused in a stepfamily. Podcasts – Liam Naden

In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the SpaceX IPO and what retirement-age investors need to think about before making any decision with their savings. SpaceX began trading on June 12, 2026, at a $1.75 trillion valuation, the largest IPO in stock market history, and the questions from clients started pouring in almost immediately. Rather than telling you whether SpaceX is a good or bad investment, Radon and Murs walk through a clear, honest framework for making sure whatever you decide is driven by your retirement plan and not the noise of the moment.Listen in to learn about the real data behind how major IPOs have historically performed in their first year of trading, why your 401(k) or IRA may already be buying SpaceX without any action on your part, and the three questions every retiree should answer before putting retirement savings into any newly public company. Whether SpaceX is on your radar or you are simply trying to build better habits around big investment decisions, this episode gives you the tools to think clearly when the headlines get loud.In this episode, find out:What SpaceX actually is as a business, which of its three divisions is profitable today, and why the $1.75 trillion valuation is priced on the future rather than current earningsWhat the last 30 major IPOs over the past 15 years reveal about first-year performance, including an average maximum drawdown of 50% to 55% and why it happens around the six-month markWhy index rule changes mean millions of Americans may already be picking up SpaceX exposure through their existing 401(k) and IRA index fundsThe critical difference between making a trade and making a long-term investment, and why that distinction should shape the entire decision for anyone nearing or already in retirementThree questions to ask before buying any IPO, starting with the one that eliminates most bad decisions before they happenTweetable Quotes:"You can believe in a company and still decide that buying it at IPO price in week one isn't where your retirement money belongs." - Radon Stancil"Waiting twelve months to buy a stock you plan to hold for fifteen years is not missing out. It is just a longer on-ramp, and it might come with a significantly better price." - Murs TariqResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss some of the most effective ways to lower taxes in retirement before the end of taxes 2026. Drawing from more than 150 client tax strategy meetings conducted by Peace of Mind Wealth Management, they break down the Retirement tax planning strategies that delivered the greatest benefits to retirees. From charitable giving opportunities to Roth conversion strategy analysis, this episode provides actionable insights designed to help retirees make smarter decisions about their future tax liability.Listen in to learn about proven tax strategies including Qualified Charitable Distributions (QCDs), Donor Advised Funds, Tax Efficient Investing, Tax Loss Harvesting, and RMD planning. Whether you're focused on reducing retirement income tax, preparing for future Required Minimum Distributions, creating a comprehensive retirement checklist, or looking for ways to secure your retirement, this episode offers valuable guidance to help you maximize your wealth and keep more of what you've worked so hard to save.In this episode, find out:How a Qualified Charitable Distribution (QCD) can help charitably inclined retirees reduce taxes in retirement while supporting causes they care about.Why a Donor Advised Fund may allow you to maximize charitable deductions and improve your overall tax planning strategy.How Tax Efficient Investing and Tax Loss Harvesting can potentially reduce taxes and improve after-tax portfolio returns.Why Roth conversion analysis can help lower future retirement income tax and reduce the impact of future Required Minimum Distributions (RMDs).How proactive Retirement Planning and annual tax strategy reviews can help you plan for retirement, optimize your finances, and retire more confidently.Tweetable Quotes:"A Qualified Charitable Distribution is one of the few opportunities where you can put money into an IRA, receive the tax deduction, experience growth, and then ultimately distribute those dollars completely tax-free to charity." — Murs Tariq"Everyone should not do a Roth conversion, but everyone should do a Roth conversion analysis because the impact on lifetime tax savings can be substantial." — Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the difficult but essential topic of what happens financially when a spouse passes away. From understanding Social Security survivor benefits and the widow penalty to navigating Medicare changes, tax planning, and inherited IRA decisions, this conversation highlights why proactive financial planning and estate planning are so important for every surviving spouse. The death of a spouse can create emotional stress and financial confusion, especially when retirement income planning, account access, and beneficiary updates have not been organized ahead of time.Listen in to learn about the most important steps couples should take before tragedy strikes, including creating a financial checklist, organizing documents, simplifying advisors, and preparing a letter to heirs. Radon and Murs explain how a proper retirement checklist and planning retirement strategy can help families avoid unnecessary stress while protecting the surviving spouse financially. If you want to plan for retirement, retire comfortably, and secure your retirement, this episode offers practical guidance for what to do when a spouse dies and how to prepare for life's most difficult transitions.In this episode, find out:How Social Security survivor benefits work when a spouse passes awayWhy the widow penalty can increase taxes and Medicare costs for a surviving spouseThe importance of beneficiary reviews, inherited IRA options, and estate planningHow a letter to heirs and financial checklist can simplify the transition processWhy retirement income planning and organizing financial accounts are critical for a surviving spouseTweetable Quotes:“The last thing you want is for the event to happen, and then you've got someone trying to figure it all out through files and folders during one of the hardest moments of their life.” – Murs Tariq“Both spouses don't have to be the financial gurus, but they both need to see the roadmap.” – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the critical importance of reviewing your Beneficiary Designations and how one simple oversight could create major complications for your loved ones. From 401k Beneficiary forms to IRA Beneficiary rules, they break down real-world examples showing how outdated or incomplete beneficiaries can derail even the best Estate Planning intentions. They also explain why beneficiary forms override wills and trusts and how failing to verify your beneficiaries could unintentionally send your assets to the wrong person.Listen in to learn about key Estate Planning tips that can help Protect Your Family, preserve Family Wealth Planning goals, and reduce unnecessary taxes for future generations. Radon and Murs explain concepts like Spousal Consent, Inherited IRA distribution rules, Per Stirpes, Per Capita, and disclaimer strategies that can dramatically impact your Retirement Beneficiaries. Whether you are building your retirement checklist, planning retirement, or trying to secure your retirement for the next generation, this episode provides practical guidance to help protect your assets and ensure your beneficiary wishes are carried out properly.In this episode, find out:Why Beneficiary Designations override wills and trusts in Estate PlanningThe difference between a 401k Beneficiary and an IRA Beneficiary when it comes to Spousal ConsentHow Inherited IRA rules under the SECURE Act can impact your family's taxesThe difference between Per Stirpes and Per Capita beneficiary designationsWhy reviewing beneficiaries regularly is essential for Retirement Planning and protecting family wealthTweetable Quotes:“The beneficiary form trumps everything. You could have anything you want in your will, but if the beneficiary designation says something different, the beneficiary designation wins.” – Radon Stancil“It's not just about getting the money to the right person. It's about getting it to them in the most tax-efficient way possible.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

A talk by Thanissaro Bhikkhu entitled "Four Steps for the Heart & Mind"

You have done all the lessons, checked all the boxes, and finished the curriculum — but something still feels off. The problem is not your effort. It's the role you have been playing in your homeschool.Today, we talk about real mentoring examples that shift your kids from waiting for direction to thinking for themselves, and what it actually looks like to move from teacher mode to mentor mode in a real homeschool day. You will walk away with one practical step to take tomorrow and four questions that do more for your kids than any worksheet ever could.Homeschool moms who are exhausted from carrying the weight of everything will find this episode both relieving and clarifying. When you stop delivering information and start developing thinkers, your kids grow in ownership and confidence — and you finally get to breathe again.✅Why staying in teacher mode all day is burning you out and creating dependent kids✅The difference between teaching and mentoring — and why it changes everything✅Practical mentoring examples you can use in any subject starting tomorrow✅4 questions to ask yourself instead of answering your kids right away✅How transformation — not information — becomes the goal of your homeschoolJoin the free masterclass mentioned in this episode and take your first step toward mentoring your kids to think, lead, and own their education.Resources for You Free Masterclass: 4 Steps to Raising Christian Leaders in Your Homeschool Show Notes:The Shift That Changes Everything in Your HomeschoolHave you ever done all the lessons, checked all the boxes, finished the curriculum, and you still feel like something is missing? Many moms are working harder than ever, but their kids still struggle with motivation, with ownership, with even really understanding what they're doing.The problem is not your effort, Mom. It's the role that you've been taught to play in your homeschool.The Traditional Mindset Is Burning You OutThe traditional mindset — and we're talking in the last hundred years, not 500 years ago — says your job, mom, is to deliver information and make sure it gets done. Check that checkbox off. But what does this do? It creates dependence. Your kids wait for you to tell them what to do. They follow the teacher. But they are not thinking, or learning, or studying independently.And what are they going to do when they get out on their own? They'll just wait until the boss tells them what to do. They are not thinking critically and they are not making wise decisions.Leaders are not created through constant instruction. They're developed through thinking, ownership, and taking responsibility for their own education. When you stay in teacher mode, you carry the weight of everything and everyone.Now, there is a time to teach. You teach your five-year-old how to read or your eight-year-old the multiplication facts. There is a time to teach. But when you stay in teaching mode all day long, you are going to burn yourself out. You have got to shift from teacher to mentor — to coaching and guiding your kids as they learn independently.The Simple Shift You Can Make TodayInstead of answering your child right away, I want you to pause and ask — what do you think you should do next?When they finish an assignment and ask what to do, say — what do you think your next step should be? Give them a chance to think and make a decision. When they get stuck, ask — what do you think you could try first? When they ask for help right away, ask — what ideas have you already tried? When they rush through their work, ask — what do you think would make this better?This begins to shift the responsibility off of your shoulders and onto your children immediately. It shifts them from waiting to thinking, from depending to deciding. It changes their attitude — and it will change yours. It trains ownership in their education in real time, not just in theory.What Mentoring Actually Looks LikeA lot of people think mentoring is just letting go and not doing very much. It is not about doing less. It is about doing what matters most.You shift from telling to asking. From managing to guiding. From controlling to training.Think of it like a coach. The coach plans the drills and the strategy, but when it comes to the game, they are not pitching the ball or throwing the touchdown. They are on the sidelines coaching and guiding. That is what you need to do. If you are burned out, it's probably because you're doing too much teaching and you're still on that conveyor belt.Instead of correcting every mistake in their writing, ask them to evaluate their work before they give it to you. Ask them — what do you think you could improve in this writing? You are training thinking, not just fixing papers. Especially by high school, they should be editing their own work themselves.Mentoring Examples From HistoryThis is really what early America was all about. Teenagers had apprenticeships. They learned under a mentor — blacksmiths, printers, farmers. They learned by doing, observing, and gradually taking ownership until eventually they could go off and do it all themselves. This built independence, life skills, and leadership.Thomas Jefferson had a mentor named George Wythe who would assign books to read. They would write and they would discuss. That is an academic mentorship. And it produced one of the greatest leaders in American history.Education back then wasn't just about information. It was about transformation. So my question to you is — what transformation is happening in your homeschool?That is the difference between teaching and mentoring. If you are mentoring, you will see transformation over time. Your kids begin to take ownership. They think critically. They develop confidence. And you, mom, begin to feel less pressure. You have more peace. You can actually enjoy your homeschool again.What to Do This WeekChoose one subject today or tomorrow and step back. Let your child take the lead while you guide with questions. Questions are some of the best ways to develop critical thinking skills and wise decision making. Step back from one subject for each of your kids and guide them with questions instead of instruction.We've had moms say that course changed my mindset. It shifted me. And they say — my kids are loving their new teacher because she's not the dictator anymore. She's not the teacher of everything. She is mentoring them.I would love for you to join me for my free masterclass — Four Steps to Raising Christian Leaders in Your Homeschool. We will be talking about questions and how to use them as one of the key steps in mentoring your kids. There are two different dates and times you can join. The link is in the show notes.And be looking out for more information about my Raising Leaders, Not Followers course — it has helped so many moms and dads and kids see real transformation in their homeschool.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the often-confusing world of taxes on sale of home and how different tax rules apply when selling your home versus selling rental property investments. Joined by Director of Financial Planning and Tax Strategist Taylor Wolverton, the conversation breaks down capital gains tax explained in a simple and practical way so retirees and pre-retirees can better understand how home sale taxes may impact their financial future. Whether you are downsizing, relocating, or considering selling rental property as part of your retirement planning strategy, this episode highlights the importance of understanding real estate taxes before making a major financial move.Listen in to learn about home sale exclusion rules, depreciation recapture, capital improvements, and how Tax on home sale calculations can dramatically affect your retirement income and long-term financial security. Taylor explains how proper tax planning retirement strategies can help reduce unnecessary taxes and support your goals for retiring comfortably and helping to secure your retirement. If you are focused on financial planning for retirement, creating a retirement checklist, or trying to plan for retirement with confidence, this episode offers valuable insights into Retirement Planning and planning retirement around real estate decisions.In this episode, find out:How the IRS determines whether a property qualifies for the home sale exclusionThe difference between home sale taxes for a primary residence versus Rental property taxesWhy Capital improvements can help reduce your Capital gains tax when selling your homeHow Depreciation recapture works when selling rental propertyImportant Retirement tax planning strategies to consider before selling real estate in RetirementTweetable Quotes:“The IRS allows married couples filing jointly to exclude up to $500,000 of gain when selling a primary home if they meet the ownership and use tests.” — Radon Stancil“Depreciation on rental property is a tremendous tax benefit while you own the property, but many people forget about depreciation recapture when they sell.” — Taylor WolvertonResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Want to build exclusively by referral? Book a discovery call to see if the 3-month group cohort is right for you.Have questions or need help? 

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of choosing the right Self-Employed Retirement Accounts after transitioning from W-2 employment into the world of consulting, freelancing, or independent contracting. If you are earning 1099 income and wondering how to handle tax planning, build long-term wealth, and create a strategy for retiring comfortably, this episode breaks down the most effective small business retirement plans available today. From understanding tax deductible retirement contributions to comparing a Solo 401k, SEP IRA, Simple IRA, and even a Defined Benefit Plan, this episode helps self-employed professionals take control of their financial future and secure your retirement.Listen in to learn about the different retirement savings options available for entrepreneurs, consultants, and independent contractors who want to maximize savings while reducing taxes. Radon and Murs explain how proper tax strategies for self employed individuals can dramatically impact long-term wealth accumulation and why creating a solid Retirement Planning strategy is essential when managing 1099 retirement income. Whether you are new to self-employment or already generating significant income, this conversation provides practical insights into Financial planning for retirement, minimizing taxes through the self employment tax deduction, and creating a smart path to planning retirement successfully.In this episode, find out:How a Solo 401k, SEP IRA, and Simple IRA compare for self-employed professionalsWhy tax planning is critical when transitioning from W-2 income to 1099 consulting incomeThe benefits of Tax deductible retirement contributions and reducing taxable incomeWhen a Defined Benefit Plan may make sense for high-income business ownersKey strategies to help you plan for retirement and build long-term financial independenceTweetable Quotes:“When you flip over into the 1099 world, while you are receiving income from someone else, you're also your own employer.” – Radon Stancil“The benefit of retirement contributions for self-employed individuals is that you're not paying tax on those dollars today while building wealth for the future.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important transition from W-2 to 1099 income and what it really means to become a 1099 contractor. Whether you're considering Consulting income as part of a career shift, semi-retirement, or exploring Consulting after retirement, understanding the differences between W-2 vs 1099 is critical. This shift impacts everything from how you receive income to how you handle Estimated taxes, Tax deductions, and overall Tax strategy—all essential components of effective Retirement Planning and Financial planning for retirement.Listen in to learn about the key financial and tax implications of earning Consulting income, including Quarterly tax payments, Estimated taxes, and the realities of managing your own income stream. If you're planning retirement or building a retirement checklist that includes self-employment, this episode will help you better plan for retirement, avoid costly mistakes, and create a path toward retiring comfortably and secure your retirement.In this episode, find out:The key differences between W-2 vs 1099 and what it means to become a 1099 contractorHow Consulting income impacts Estimated taxes, Quarterly tax payments, and overall Tax strategyCommon misconceptions about LLCs and why they don't automatically reduce taxesImportant Tax deductions available to self-employed individuals, including the home office deductionHow Consulting after retirement fits into broader Retirement strategies and Self-employed retirement planningTweetable Quotes:"An LLC is a legal structure for protection—not a tax strategy that changes how your Consulting income is taxed." – Radon Stancil"When you move from W-2 to 1099, you're not just earning income—you're responsible for managing your entire tax strategy and financial future." – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Send us Fan Mail“Culture” is the most overused word in business and one of the least defined, which is exactly why so many teams drift into drama, burnout, and inconsistent performance. We wanted a definition you can actually use, not a slogan on a wall. So we start by grounding everything in experience: the full set of cognitive, emotional, sensory, and behavioral responses people have across the entire journey, before and after they work with you, buy from you, or join your team. When you see experience end-to-end, it becomes obvious why organizational culture is the first lever that shapes every outcome downstream.Click here: Schedule an Online Consultation with our Podcast Host and Founder & CEO, of New Patient Group, Brian WrightListen to Brian Wright on Dr. Glenn Krieger's OrthoPreneur Podcast https://podcasts.apple.com/us/podcast/the-orthopreneurs-podcast-with-dr-glenn-krieger/id1446375553?i=1000751184177Thank you to our Sponsorshttps://newpatientgroup.comhttps://wrightchat.comThen we break culture into four practical parts you can audit immediately. First is the invisible blueprint: what your team does when nobody is watching, especially at the end of a hard day. Second is shared language, because the phrases you allow (“we don't have time,” “we can't,” “why change?”) quietly set the mood, effort level, and follow-through of the whole workplace culture. If you want a proactive team, you have to lead the language from the top and make it consistent across the group.From there we get into behavioral standards, including the uncomfortable truth that your “best performer” can be your biggest culture leak if they treat people badly. Great leadership sets a floor for acceptable behavior and refuses to reward results that come with disrespect. Finally, we talk accountability as the social contract that makes the other three parts real and repeatable, creating a culture that attracts and retains exceptional talent. If you found this useful, subscribe, share it with a colleague, and leave a five-star review so more leaders can build a healthier, higher-performing team.

I've been coaching financial advisors for more than 20 years, and there's one pattern I've seen far too often in our industry…The advisor who builds a successful business, wins the awards, looks like they're crushing it from the outside, but behind the scenes, things at home start falling apart.At the core of it, there's a gap between who you appear to be… and who you actually are.That's exactly what my conversation with Jimmy Rollins is all about. Jimmy is a nationally recognized preacher and marriage coach who's spent decades working with leaders on culture and leadership. He's also lived through this himself when success at work started costing him his marriage.We talk about why so many high performers feel stuck, the difference between transparency, vulnerability, and real accountability, and what starts to happen when you avoid the internal work as a leader.Jimmy also breaks down the four steps to real freedom, why you'll always be as sick as your secrets, and how the things you ignore internally eventually show up in your team, your relationships, and your life outside of work.5 of the biggest insights from Jimmy Rollins…#1.) Why Some Teams Never ThriveA lot of advisors think their team isn't performing because of talent or systems. Jimmy flips that. When people on your team are struggling emotionally or personally, it shows up in how they work. The best firms don't just build better teams, they develop healthier people.#2.) Freedom Comes From Having Nothing To HideMost high performers are chasing success, but still feel stuck or under pressure. Jimmy breaks down the four steps (transparency, vulnerability, accountability, and intimacy) and why real freedom as a leader comes when you stop managing perception and start living with nothing to hide.#3.) When Success At Work Was Costing Him His MarriageJimmy opens up about the breaking point in his marriage and the realization that his success in one area of life was creating damage in another, and what it took to turn things around.#4.) The Work Most Leaders Avoid Is The Work That Matters MostTop-performing advisors are great at building businesses—but many avoid the internal work required to lead well. Jimmy explains why self-awareness, emotional health, and confronting your blind spots are what actually determine how far your business (and life) can scale.#5.) How Advisors Can Open The Door To More DiversityJimmy breaks down why most firms stay the same—and how comfort, preference, and familiarity shape who you hire and connect with. Real diversity starts when leaders intentionally step outside those patterns.SHOW NOTEShttps://bradleyjohnson.com/166FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss why risk management in retirement planning goes far beyond just investment risk. While markets and portfolios often dominate the conversation, there are multiple retirement planning risks that can derail even the most well-thought-out plan. From income risk and tax planning risk to estate planning risk, liability risk, and the challenges of long-term care planning, this episode expands your perspective on what it truly takes to secure your retirement.Listen in to learn about how overlooking risks like longevity risk, inflation risk, and sequence of returns risk can impact your ability to retire comfortably. Radon and Murs break down practical retirement strategies, including the three-bucket strategy, to help you build a comprehensive approach to retirement income planning and financial planning for retirement. If you're serious about creating a solid retirement checklist and want to confidently plan for retirement, this episode is a must-listen.In this episode, find out:Why risk management includes more than just investment risk in retirement planningHow sequence of returns risk and income risk can impact your retirement income planningThe importance of addressing tax planning risk and coordinating withdrawals strategicallyHow estate planning risk and liability risk can affect your legacy and asset protectionWhy longevity risk, inflation risk, and long-term care planning are critical to planning retirement successfullyTweetable Quotes:“When it comes to retirement, focusing only on investment risk can leave you exposed to the risks that matter most.” – Radon Stancil“A successful retirement plan isn't just about growing your money—it's about protecting it from income, tax, and longevity risks.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss one of the most important decisions in retirement planning—when to take Social Security. Should you take Social Security early at 62, or should you consider delaying Social Security until age 70 to maximize your Social Security benefits? They break down the myths, the math, and the real-life scenarios that go into making the right Social Security decision as part of a well-rounded retirement financial plan.Listen in to learn about how Social Security planning fits into your overall financial planning for retirement, and why there is no one-size-fits-all answer. Radon and Murs explain how factors like longevity, income needs, spousal Social Security benefits explained, and your overall retirement checklist all play a role in deciding whether to take Social Security early or wait. If you want to plan for retirement, understand your options, and retire comfortably, this episode will help you move closer to confidently securing your future.In this episode, find out:The pros and cons of taking Social Security early at 62 versus delaying Social Security to age 70How to evaluate the Social Security decision based on your personal retirement planning strategiesWhy maximizing benefits isn't always the best answer for your retirement financial planKey scenarios where delaying Social Security may make sense, including longevity and income planningHow spousal Social Security benefits and legacy goals impact your decisionTweetable Quotes:“The real question isn't how do I maximize Social Security—it's how does Social Security best complement my overall retirement plan.” – Murs Tariq“If the math shows you can have the same or more money by taking Social Security early, many people choose flexibility and peace of mind over waiting.” – Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss emerging Medicare policy changes with Medicare specialist Sean Southard, focusing on a new Medicare pilot program introducing prior authorization into Original Medicare. This important conversation highlights how Medicare prior authorization could reshape retiree healthcare, especially for those relying on Medicare and Medigap plans for flexibility and simplicity in their retirement financial plan.Listen in to learn about how Medicare changes in 2026 may impact Healthcare in retirement, including new Medicare coverage rules and the evolving Medicare approval process. The discussion explains prior authorization explained in simple terms and explores how these changes may affect Medicare costs, access to care, and long-term retirement planning strategies for those looking to retire comfortably and secure your retirement.In this episode, find out:What Medicare prior authorization is and how it changes the current structure of Original MedicareDetails of the Medicare pilot program launching in select states and what it could mean nationwideHow Medicare and Medigap plans may be impacted by new Medicare policy changesWhich procedures may require approval under new Medicare coverage rulesHow these changes could affect your retirement checklist and overall plan for retirementTweetable Quotes:“Prior authorization is about checking before a procedure happens instead of paying first and reviewing later—and that's a big shift for Original Medicare.” – Murs Tariq“Even if this starts as a small pilot program, the writing on the wall suggests it could expand and impact how retirees experience Medicare nationwide.” – Radon StancilAs Medicare for retirees continues to evolve, understanding changes like prior authorization is essential for building a strong retirement financial plan. While the goal of these Medicare policy changes is to reduce fraud, waste, and rising Medicare costs, they may also introduce new administrative steps, potential delays, and added complexity in accessing care.For those focused on planning retirement, staying informed about healthcare in retirement is just as important as managing investments. Whether you rely on Original Medicare, supplement with Medigap plans, or are evaluating options, being proactive about these changes can help you better plan for retirement, update your retirement checklist, and continue retiring comfortably with confidence.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the latest economic update with returning guest Tom Siomades, taking a closer look at retirement and the economy during a season filled with uncertainty. From war and government shutdown concerns to inflation, interest rates, and market volatility, this conversation highlights how today's headlines can influence a thoughtful retirement investment strategy. For anyone focused on financial planning for retirement, this episode offers perspective on balancing retirement risks with long-term confidence.Listen in to learn about how the current market update and broader economic outlook may affect your retirement planning, your portfolio, and your peace of mind. Radon, Murs, and Tom explore the importance of retirement diversification, staying disciplined during uncertainty, and evaluating both retirement opportunities and near-term challenges. Whether you are building a retirement financial plan, reviewing your retirement checklist, or trying to plan for retirement in a changing world, this quarterly market update offers practical retirement tips to help you stay focused on what matters most and continue planning retirement with clarity.In this episode, find out:Why current events are shaping the conversation around retirement and the economy, including war, inflation, and government uncertaintyHow interest rates, oil prices, and tariffs may impact the latest market update and overall economic outlookWhy retirement diversification remains essential when navigating market volatility and long-term retirement risksWhat positive signs still exist in the economy and where potential retirement opportunities may be emergingHow a disciplined retirement investment strategy can support retirement income, help you retire comfortably, and ultimately secure your retirementTweetable Quotes:“The simple question during times like this is: am I still on track? That's what a strong retirement financial plan is designed to answer.” — Radon Stancil“When markets feel uncertain, it's not the time to make emotional decisions. It's the time to lean on your plan, your diversification, and your long-term strategy.” — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.