Podcasts about Kiplinger

Mike Dullaghan is Director of Retirement Sales Execution for Franklin Templeton. He is responsible for providing thought leadership, promoting new content, and delivering the tools and resources that help enable the Retirement team to effectively market Franklin Templeton products. Mr. Dullaghan is a regular contributor to Kiplinger's “Building Wealth” newsletter. In this episode, Eric and Mike Dullaghan discuss Franklin Templeton's “Voice of the American Workplace Survey,” available for download at https://www.franklintempleton.com/insights/research-findings/voice-of-the-american-workplace-surveyThe discussion includes:Work-Life Balance and Mental Health Are Frontline PrioritiesCommunication Must Be Clear, Diverse, and Generationally AwareRetirement and Career Growth Need PersonalizationThe Future of Work Demands Skill Agility and Cultural AlignmentKey Takeaways:Work-life balance and mental health are top priorities, with 85% of employees seeking better balance and support for stress management in the workplace.Communication must be clear, diverse, and generationally aware, as 90% of employees want honest leadership communication delivered through multiple channels, not a one-size-fits-all approach.Retirement and career growth need personalization, with a strong interest in guaranteed income options and a desire for both simpler and tailored investment and development paths.The future of work demands skill agility and cultural alignment as employees adapt to AI and technology shifts, while also seeking transparency, purpose, and opportunities to grow.“Look for ways to ruthlessly simplify. Life is complicated.” - Mike DullaghanConnect with Mike Dullaghan:Website: https://www.franklintempleton.com/LinkedIn: https://www.linkedin.com/in/mikedullaghan1 Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast is general in nature and is provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3213: Emily Guy Birken breaks down the intimidating world of mutual fund prospectuses into manageable parts, empowering investors to make smarter, fee-conscious decisions. From understanding investment strategy alignment to spotting hidden costs, this guide helps demystify the fine print that can make or break your portfolio. Read along with the original article(s) here: https://ptmoney.com/mutual-fund-prospectus/ Quotes to ponder: "A prospectus is a document that provides investors with information about the investments that make up the mutual fund, as well as other details of the company's business." "You will often see two tables: one that compares the returns of fund in question to the 1-, 5-, and 10-year returns of index funds and one that shows the annual or quarterly returns for the past 10 or so years." "According to his estimate, a 100% turnover adds another full 1% to the cost of a fund." Episode references: Kiplinger: https://www.kiplinger.com Investopedia: https://www.investopedia.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3213: Emily Guy Birken breaks down the intimidating world of mutual fund prospectuses into manageable parts, empowering investors to make smarter, fee-conscious decisions. From understanding investment strategy alignment to spotting hidden costs, this guide helps demystify the fine print that can make or break your portfolio. Read along with the original article(s) here: https://ptmoney.com/mutual-fund-prospectus/ Quotes to ponder: "A prospectus is a document that provides investors with information about the investments that make up the mutual fund, as well as other details of the company's business." "You will often see two tables: one that compares the returns of fund in question to the 1-, 5-, and 10-year returns of index funds and one that shows the annual or quarterly returns for the past 10 or so years." "According to his estimate, a 100% turnover adds another full 1% to the cost of a fund." Episode references: Kiplinger: https://www.kiplinger.com Investopedia: https://www.investopedia.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3213: Emily Guy Birken breaks down the intimidating world of mutual fund prospectuses into manageable parts, empowering investors to make smarter, fee-conscious decisions. From understanding investment strategy alignment to spotting hidden costs, this guide helps demystify the fine print that can make or break your portfolio. Read along with the original article(s) here: https://ptmoney.com/mutual-fund-prospectus/ Quotes to ponder: "A prospectus is a document that provides investors with information about the investments that make up the mutual fund, as well as other details of the company's business." "You will often see two tables: one that compares the returns of fund in question to the 1-, 5-, and 10-year returns of index funds and one that shows the annual or quarterly returns for the past 10 or so years." "According to his estimate, a 100% turnover adds another full 1% to the cost of a fund." Episode references: Kiplinger: https://www.kiplinger.com Investopedia: https://www.investopedia.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Paul & Randy talk football numerology and why the choices made on the Longhorn roster virtually guarantee a Texas national title. DJ Campbell being an undeclared major senior is awesome and Paul attacks Randy's college major again. Then they talk about the various bags dropping in recruiting and what it means for Texas recruiting and the overbidder's potential team chemistry. The pod ends with Randy politely indulging Paul's nostalgia. Buy The Thinking Texas Football Season Preview. ⁠The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Kathleen Rehl, Author and Educator about changing the way we think about widows, legacy and refirement. Key Takeaways: Retirement is outdated, we need to re-define as refirement.  Refirement means finding fulfillment (meaning and purpose). Rethink aging as a positive experience.  Financial planning is everyone, not just for rich people The importance of charitable giving. Align our values and what matters most to us in life with money.Connect with Kathleen Rehl:  LinkedIn (here) Resources on Kathleen's Website (here):Financial Steps for Recent Widows: Reclaim your financial statusLegacy Lifeprint: Share your values with your family and friends as your lasting legacy of love.Impactful Empathy: What to say and how to say it to your grieving widowed client Book:Moving Forward on Your Own: A Financial Guidebook for Widows (Amazon) Resources mentioned:American College: Chartered Advisor in Philanthropy program (here)Camp Widow (here)Cerulli Study - Transfer of Wealth to Widows (here)HumbleDollar (here)Michael Kitces Nerd's Eye View blog (here)Modern Widows Club (here)Bio: Kathleen M. Rehl, Ph.D., CFP®, CeFT® Emeritus is a distinguished financial expert, author, and advocate with over two decades of experience in the financial planning industry. She spent 18 years as the owner of Rehl Financial Advisors before embarking on a six-year encore career dedicated to empowering widows through her award-winning book, Moving Forward on Your Own: A Financial Guidebook for Widows, along with her speaking, research, and mentoring. Now in her 79th year, Kathleen embraces "reFirement"—a vibrant phase of life centered on purposeful living. As Adjunct Faculty at The American College of Financial Services, she continues to share her expertise and passion for empowering widows and others navigating life transitions. Kathleen's thought leadership has been prominently featured in publications such as The New York Times, The Wall Street Journal, Next Avenue, Kiplinger's, CNBC, Nerd's Eye View, Humble Dollar, Sixty & Me, AgeBuzz, and Rethinking65. Her writing and speaking engagements emphasize financial empowerment, legacy planning, and enhancing philanthropic impact. Whether addressing the challenges of widowhood, exploring avenues for purposeful living, or fostering meaningful contributions, Kathleen offers compassionate guidance and actionable insightsSupport the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

According to this recent study from @Kiplinger (include source article), 43% of retirees are more financially stressed than when they were working and surprise expenses are a major reason why.  In this video, @peter with @richonplanning and @erinkennedy break down the top 5 expenses, including:   1. Healthcare: Often the biggest, and most unpredictable, retirement expense. Even with Medicare, out-of-pocket costs for chronic care, surgeries, and prescriptions can be substantial.  2. Taxes: Retirees often assume they'll be in a lower tax bracket when the stop working, but that's not often the case. 3. Emergencies: If you don't have a cash cushion, when the unexpected happens, it can derail your finances. 4. Family: A record number of parents, 50% according to a report from Savings.com, are financially supporting their adult children, with the average support around 15 hundred dollars a month! That includes expenses like groceries, cell phone bills, rent, health insurance, and even vacations.  5. Inflation: Your retirement can last as long as our working years. If you don't have a plan to help your money grow, your nest egg won't keep up.   The good news is, you can create a plan now that addresses each one of these expenses, so they don't derail your retirement. If you'd like to talk through these "budget busters" with Peter, please call (919) 300-5886 or visit www.RichonPlanning.com   SOURCE: https://www.kiplinger.com/retirement/the-biggest-stealth-costs-in-retirement

Randy auditions for Paul's Texas football preview audiobook and it goes extremely well. Then they discuss a little about The Preview Pamphlet, why they love Sark, and delve into the Sark vs Patricia matchups against Ohio State. Also, Randy told you so on the baseball portal. Buy The Thinking Texas Football Season Preview. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

In this episode, Brian Skrobonja sheds light on the complex and often overwhelming process of managing an estate after the loss of a loved one. This is a step-by-step guide from the initial steps you need to take after a loved one passes, to the intricate details of settling an estate. Brian offers valuable advice and practical tips to navigate this difficult time with grace and efficiency. Having a clearly defined process in place for managing an estate can help avoid the emotional drain of making important decisions through the loss of a loved one. Friends and family may wish well and provide advice on what to do, but without a proper plan in place, that can lead to more financial problems in the future. Setting expectations for yourself and the beneficiaries of the estate is a great first step to help minimize the confusion and questions around how long it will take to settle an estate. This process can take anywhere from two months to several years depending on the type of assets that are owned and the size and complexity of the estate. A funeral home director will often help obtain death certificates, which will be required before making any claims. It's a good idea to request 10 to 12 original documents because, once submitted, you may not get them back. It's important to first locate the deceased's will, trust, or other estate documents they have on file. If none of these exist, you could have difficulty settling a person's estate which will most likely require an attorney to assist you through the probate process. Check to determine if the person may have left a letter of instruction behind as well. A letter of instruction is not a legal document, but it's a letter that can provide more personal intentions and information regarding an estate. The next step is to begin gathering an itemized list of all known financial institutions where money is held and life insurance companies for filing a claim. It's a good idea to put the list together before jumping into making calls because you'll want to keep track of phone conversations and other instructions. Tip: A really good practice is to keep a journal or Excel spreadsheet of all the conversations to keep track of everything. You'll want to avoid writing on the back of envelopes or scrap pieces of paper as that can become really unmanageable. Checks made out to the deceased will require a bank account to deposit them. Avoid closing bank accounts too early because of this. You will have to notify Social Security that a death has occurred as well as any pension provider to have payments stopped and any eligible benefits paid to the estate. If your loved one served in the military, you may be eligible for veterans benefits. You can get more information about these benefits by visiting va.gov. Over the next one to three months, you will want to screen incoming mail, both physical and email, to look for and gather bills, statements, and notices relating to various types of accounts and insurance policies. You will want to review credit card statements to identify subscriptions or other recurring charges to follow up with the service providers about cancellation. Next, notify creditors and credit card companies that were a part of your loved ones credit history. You can notify the big three credit bureaus; Experian, Equifax, and TransUnion, of their passing, which can usually be done online over the phone or by letter. You will also want to locate where they filed important documents to find deeds, titles to real estate, car titles, or lease agreements as well as storage space keys and account records. Look for a computer file or printout with digital account passwords so you can disable any active social media accounts. If the person was still working, contact the human resources office at their place of work to inform them of what has happened, the HR officer may need you to fill out some paperwork pertaining to retirement plans, health benefits and compensation for unused vacation time. If your loved one owned a small business or professional practice, a discussion with business partners and clients may be necessary as well as consulting with the company attorney who has advised the business. If there was a child in college, it may be a good idea to contact the Financial Aid Office to inform them of what has happened. Depending on the school and the financial situation the surviving child may qualify for more assistance. Before rushing into this process, you should consider speaking with a financial advisor and attorney. There are so many areas where you can make expensive mistakes, working with a professional through this difficult time is usually the best decision.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify va.gov     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.   Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure.   The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Gas and oil investments are speculative in nature and are sold by Private Placement Memorandum (PPM). Carefully read the PPM before investing. Certain accreditation requirements may apply. The appearances in Kiplinger were obtained through a PR program. The columnist is not affiliated with, nor endorsed by Kiplinger. Kiplinger did not compensate the columnist in any way. Our firm does not offer tax or legal advice. Consult your tax or legal advisor regarding your situation.

According to BankRate, 23% of Americans 60-78 have a side-hustle. Maurie Backman says in an article by Kiplinger that this would help with two key areas in retirement planning: It provides us with something fulfilling to do after our primary career and provide a little extra cash in retirement.   The benefits of a side hustle: Mental Engagement Extra Income Social Connection Sense of Purpose The Pitfalls of a side hustle: Tax Complications Outspending your retirement budget in search of business profits Medicare Premium Creep (IRMAA) Lifestyle Clash Time Commitment Also in this episode, we discuss a listener's question about global stock allocations - and asks if I think it's better to own a global fund or to own US & international equity separately. How can one balance simplicity and effectiveness in their plan?  Resource:  Article by Maurie Backman: Monetizing a Hobby in Retirement: The Benefits and Pitfalls Article by Bankrate: https://www.bankrate.com/credit-cards/news/side-hustles-survey/   Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement

Ohio-based jeweler and poet Teresa Kiplinger joins host Mark Nelson in this episode of For the Love of Jewelers. She shares her journey from graphic design to jewelry making and how the visual language she developed in college—storytelling, symbolism, and imagery—continues to shape her work at the bench. Teresa talks about blending poetry and metal to create one-of-a-kind pieces infused with depth and soul.  The conversation also explores her favorite tools, including her latest creative obsession: the Bonny Doon hydraulic press. Teresa explains how this tool has opened a new chapter in her practice, allowing her to form locket-style pieces from flat sheets of metal engraved with entire poems.

Mark Miller is the President and CEO of Hilton Tax & Wealth Advisors, a boutique firm specializing in advanced tax mitigation and holistic wealth planning for high-net-worth individuals, business owners, and professionals. With over 30 years of experience, he has helped clients save $100 million in taxes and grow their wealth by over $200 million. Mark is the best-selling author of Hilton Wealth: How to Invest Like an American Dynasty and The Tax-Free Business Owner, and has been featured in major outlets including The New York Times, Kiplinger's, and Fox News. He also received a personal commendation from President George W. Bush for his efforts to help Americans build their businesses and wealth. In this episode… Building wealth isn't just about earning more; it's about protecting and growing what you already have. While many business owners and professionals focus on returns, the ultra-wealthy play a different game. What secrets do they use to build lasting wealth across generations? According to Mark Miller, a leading expert in advanced tax and wealth planning, the wealthy prioritize safety and risk management first, allowing returns to follow naturally. Ultra-wealthy families leverage sophisticated tax codes, formalized tax plans, and multi-layered asset protection strategies rarely offered by traditional advisors. By focusing on legal, ethical, and highly specialized tax approaches, they can minimize or eliminate tax liability entirely. Mark also emphasizes that true wealth building includes diversification, careful due diligence, and building trusted long-term relationships to safeguard investments. In this episode of The Same Day Podcast, host Yoni Schmidt sits down with Mark Miller, President and CEO of Hilton Tax & Wealth Advisors, to discuss how ultra-wealthy investors build legacy wealth. They talk about formal tax planning, advanced wealth preservation strategies, and the family office approach to managing risk. Mark also shares the importance of diversification and building safety-first portfolios.

 Faisal Hoque is the founder of SHADOKA and NextChapter andserves as a transformation and innovation partner for CACI, an $8billion company focused on U.S. national security. He is a #1 WallStreet Journal bestselling author with ten award-winning books tohis name. His new book, TRANSCEND: Unlocking Humanity in theAge of AI, was named a ‘must read' by the Next Big Idea Club andselected as a Financial Times business book of the month. Itbecame an instant bestseller—across multiple categories—onthe USA Today (#1 in Computers, #1 in Philosophy, #3 in Business & Economics, #5 in AllNon-Fiction), Los Angeles Times (#7 in All Non-Fiction), and Publishers Weekly lists.For thirty years, he has been developing commercial business and technology systems,and enabling leadership teams at MasterCard, American Express, GE, Home Depot, FrenchSocial Security Services, US Department of Defense (DoD), US Department of HomelandSecurity (DHS), PepsiCo, IBM, Chase, and others with sustainable growth. Today, Faisal is ahighly sought-after innovation and transformation (digital/AI, business, organization)partner for both public and private sector organizations, and recognized as one of theworld's leading management thinkers and technologists.As a founder and CEO of multiple companies, he is a three-time winner of the DeloitteTechnology Fast 50™ and Fast 500™ awards. Faisal is a contributor at the MIT's IDEAS SocialInnovation program, Thinkers50, and the Swiss business school IMD. His work hasappeared in Fast Company, Harvard Business Review, The Wall Street Journal, MIT SloanManagement Review, The Financial Times, Psychology Today, BIG Think, BusinessInsider, Fortune, Inc., Kiplinger, Yahoo Finance, Fox, ABC, CBS, and others.Faisal's work and life are profoundly influenced by a distinctive fusion of Easternphilosophy and American entrepreneurial spirit. He frequently speaks at internationalconferences, business schools, corporate gatherings, and business summits. Inspired bypersonal experiences, Faisal is a passionate advocate for cancer research, raisingawareness and supporting research efforts to combat the disease.

The 4% rule gets talked about like gospel in retirement planning. But let's be honest, it's always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Scott takes a closer look at what the 4.7% update really means. He walks through the origins of the rule, the risks of interpreting it as a green light to spend more, and why your real withdrawal rate should always reflect your goals, health, time horizon, and risk tolerance. Headlines and quick financial tips are tempting to follow, but without a personalized plan, they can steer you in the wrong direction. Here's what we cover in this episode:

After an exchange of novel Texas wisdom, Paul and Randy discuss Arkansas pitcher Gage Wood's no hitter in the CWS. When do you chase glory vs mind your pitch count? Then it's on to talking about the subtle and important hires that Sark made in the offseason. How will they help Texas to achieve their goals? If you ask us a question in Spotify or iTunes after leaving a 5 star review, we'll answer it on the next EGAT! The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Don and Tom dive into the human obsession with prediction—especially in finance—and why models fail us more than they help. They dissect the CAPE ratio, Fama vs. Shiller, and why “knowing” the market is a fool's errand. Listeners also get lessons on ETF pricing myths, market cap misunderstandings, SEP Roth IRAs (spoiler: they're basically unicorns), and whether dad deserves a gift or just more responsibilities. 0:04 We crave certainty—even though our money brains are terrible at prediction. 1:01 Wall Street's models exist to soothe our fear of the unknown. 1:34 “All models are wrong, but some are useful” — CAPE ratio vs. the real world. 2:39 Shiller vs. Fama: You can't time the market, even with a Nobel. 4:51 Why diversification, risk-based equity premiums, and low fees beat predictions. 5:24 Models work… until they don't (hello, Phillips Curve). 7:02 Why the inflation-unemployment link broke after 2000: China changed the game. 8:26 Let's admit it: You cannot accurately and consistently predict the future. 9:14 Call from Catherine: Why Schwab ETF prices are “low” (spoiler: stock splits). 11:31 Price per share means nothing. Market cap is what matters. 13:04 Berkshire never split its stock—why it's $731K a share. 14:24 Apple vs. Berkshire vs. Microsoft: Market cap is the real metric. 16:32 Why the Dow is dumb (and would be even dumber with Berkshire in it). 17:49 Listener Q: Where to park $450K before a home purchase? (Hint: not bonds.) 18:29 High-yield savings accounts are still the best move. 19:53 Father's Day preview: Don rants about dumb gifts and ungrateful kids. 21:19 Kiplinger's list: 5 ways dads can teach money lessons (cue sarcasm). 24:06 Allowances, budgeting, and tax talks with kids—realistic or fantasy? 25:28 Roth IRAs and investing lessons for teens: what actually works. 27:45 Why teaching kids to pick stocks is a dangerous myth. 29:38 “Graduation fund” idea: simple global ETFs like AVGE or DFAW. 30:43 Yes, your kids might move back in. Yes, it's happening again. 32:13 Listener Q: Can you open a Roth SEP IRA? (Short answer: not really yet.) 33:54 One firm offers it… but it'll cost you $500/year and it's shady. 35:20 Final caller: Are there any annuities we do like? (Answer: the shortest show ever.) 36:34 Program note: Tom gone for 2 weeks, Don wants your calls (or sympathy). Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode explores the psychological and financial side of retirement planning through the lens of entropy. Don and Tom dive into an article from Kiplinger that cleverly compares retirement to the second law of thermodynamics: left unmanaged, both money and purpose tend toward chaos. Only 4% of retirees say they're "living the dream"—and the duo explores why that number is so shockingly low. From maintaining routine and finding meaning to avoiding common money traps like over- or under-spending, this episode is packed with practical insights and sardonic banter. Plus, listener questions on Roth conversions for low-income parents and generating sustainable income in retirement portfolios. 0:04 Why we're talking thermodynamics on a money show1:40 The "Second Law" of Retirement: Life drifts toward chaos2:15 Only 4% of retirees say they're "living the dream"3:06 Why retirement can be scary—even for us4:44 Do something in retirement... but get paid for it?6:09 Volunteering vs. purposeful work (and airplane nostalgia)7:03 Retirement spending traps: splurging or hoarding8:09 The danger of financially supporting adult children9:43 Composer John Williams and the myth of retirement11:24 Three keys to a better retirement: social, purpose, activity12:04 Paul Merriman, semi-retirement, and finding meaning13:23 It all still comes down to money—and the freedom it brings14:42 Steve Martin's quote on money and dumb stuff15:30 Listener question: Tax-efficient Roth conversions for elderly parents20:07 Listener question: Income generation with ETFs vs. income funds22:51 Junk bonds, Franklin Income Fund risk, and total return25:48 Strategy tip: Keeping a year of cash to smooth out volatility26:11 Upcoming events and Apollo's July 9th appearance27:37 Free portfolio review offer and purpose in helping others28:51 Tom's boat motor saga and 1-star review nightmares Learn more about your ad choices. Visit megaphone.fm/adchoices

You've worked hard, saved well, and now you're thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you're still around to enjoy the impact? Let's talk about how to make that decision with confidence. In this episode, Scott shares a thoughtful 4-step process to help you navigate one of the most meaningful decisions in retirement. Here's what we cover in this episode:

Download Chris's FREE E-Book on “How To Find Ultra High Net Worth Clients" from https://UHNWC.com/  Mario Hernandez (https://www.longevitywealthmanagement.com/) is a Certified Financial Planner™ with over 30 years of experience in retirement planning and wealth management. He helps individuals and families make informed financial decisions through his firm's proprietary PulsePoint Formula, building multi-generational relationships rooted in trust and education. Mario writes monthly for Kiplinger and has been featured in Real Simple, NerdWallet, and U.S. News & World Report. He holds a Bachelor of Science in Accounting and Finance from Cal State University, Hayward, and a master's in financial planning from Golden Gate University.In this episode, Chris and Mario discuss:1. The Power of Focus: Stop Doing It All and Start Growing2. Planning Over Performance: The Real Differentiator3. Want Loyalty? Help with More Than Just Investments4. The Best Advice Is the Advice You Live ByLinkedIn: https://www.linkedin.com/in/mario-hernandez-cfp-1046735/ Website: https://www.longevitywealthmanagement.com/ Articles: https://www.kiplinger.com/author/mario-hernandez Maximize your marketing, close more clients, and amplify your AUM by following us on: Instagram:  https://instagram.com/ultrahighnetworthclients TikTok: https://tiktok.com/ultrahighnetworthclients YouTube: https://www.youtube.com/@uhnwcFacebook: https://www.facebook.com/UHNWCPodcast Twitter: https://twitter.com/uhnwcpodcast iTunes:  https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400Spotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDrWebsite: https://uhnwc.com Work with us: https://famousfounder.com/fa DISCLAIMER: This content is provided by Chris Brodhead for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. 

Paul and Randy talk about Texas' regional early exit. Expect Schloss to revamp the roster - not try to figure out solutions with existing assets. They also chat women's softball - and if Randy would have liked to have pitched from 43 feet - as Texas faces off with Tech for the national title tonight. Finally, a lot of chat about college football, Mike Elko's new commitment to Aggieness, and how to solve the CFP.If you ask us a question in Spotify or iTunes after leaving a 5 star review, we'll answer it on the next EGAT!The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

A lot of people believe that everything should go into a trust once you've set it up, and while that sounds logical, the answer is actually no. Not everything belongs in your trust, and getting it wrong could lead to headaches, probate delays, or even tax trouble. So today, we've invited estate planning attorney Connor Kelley to break down the four big ones you want to be careful with: retirement accounts, vehicles, life insurance, and checking accounts. Here's what we cover in this episode:

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: Alan Condon, “CMS cracks down on states using Medicaid to treat undocumented immigrants,” May 27, 2025, https://www.beckershospitalreview.com/finance/cms-cracks-down-on-states-using-medicaid-to-treat-undocumented-immigrants/, Becker's Hospital Review.  KFF Health News, “Health Provisions in the 2025 Federal Budget Reconciliation Bill,” Updated May 22, 2025, https://www.kff.org/tracking-the-medicare-provisions-in-the-2025-budget-bill/.  Donna Levally, “Four Changes to Medicare in the One Big Beautiful Bill Act,” Updated May 27, 2025, https://www.kiplinger.com/retirement/medicare/changes-to-medicare-in-the-one-big-beautiful-bill-act, Kiplinger. Chartis, “New Chartis Study Explores Rural Hospital Instability and Models Potential Impact of Rural Emergency Hospital Designation,” February 7, 2023, https://www.chartis.com/about/news/new-chartis-study-explores-rural-hospital-instability-and-models-potential-impact-rural. Madeline Ashely, et. al, “House GOP's 1,112-page budget: 23 notes for hospital leaders,” May 27, 2025, https://www.beckershospitalreview.com/uncategorized/house-gops-1112-page-budget-23-notes-for-hospital-leaders/, Becker's Hospital Review. Noam N. Levey, “In Arizona County That Backed Trump, Conflicted Feelings About Cutting Medicaid,” May 28, 2025, https://kffhealthnews.org/news/article/medicaid-cuts-arizona-county-trump-voters-conflicted/, KFF Health News. Modern Medicaid Alliance, “Opposition Continues to Grow As Proposed Medicaid Cuts Move Forward Through Reconciliation Process,” May 20, 2025, https://modernmedicaid.org/opposition-continues-to-grow-as-proposed-medicaid-cuts-move-forward-through-reconciliation-process/. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

Most people walk into a financial advisor's office asking for more income or a better plan. But what they're really searching for is something deeper: peace of mind, clarity, and the ability to live life on their terms. In this episode, Scott challenges the conventional approach to planning and reveals the real reason people seek financial guidance in the first place. Here's what we cover in this episode:

Did we just record a full EGAT talking nothing but college baseball regionals, Texas' matchups, Randy (and BasePaul's) elite insights, and a ton of stuff to get you fired up and informed before Friday? You're damn right! Hook' em and LFG!The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Joe Schmitz joins The Advisor Journey to reveal how he's built Peak Retirement Planning from a solo practice to a firm with nearly 60 team members in just three years, growing to $300 million in assets under management.Joe shares his laser-focused approach to serving "Midwestern Millionaires" – clients with $1-10 million in assets who embody the hardworking, frugal values he grew up with in rural Ohio. His multi-channel marketing strategy through YouTube, workshops, books, and Kiplinger articles now generates over 40 qualified prospects weekly.The conversation explores Peak's extreme hiring standards (just 9 hires from 2,600 applicants last year), their collaborative client service model, and Joe's mission to disrupt traditional retirement planning by providing comprehensive service beyond the typical investment-only or insurance-only approach.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist founder and CEO Jason Wenk, Altruist's Head of Community Dasarte Yarnway, and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and ser...

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: Alan Condon, “CMS cracks down on states using Medicaid to treat undocumented immigrants,” May 27, 2025, https://www.beckershospitalreview.com/finance/cms-cracks-down-on-states-using-medicaid-to-treat-undocumented-immigrants/, Becker's Hospital Review.  KFF Health News, “Health Provisions in the 2025 Federal Budget Reconciliation Bill,” Updated May 22, 2025, https://www.kff.org/tracking-the-medicare-provisions-in-the-2025-budget-bill/.  Donna Levally, “Four Changes to Medicare in the One Big Beautiful Bill Act,” Updated May 27, 2025, https://www.kiplinger.com/retirement/medicare/changes-to-medicare-in-the-one-big-beautiful-bill-act, Kiplinger. Chartis, “New Chartis Study Explores Rural Hospital Instability and Models Potential Impact of Rural Emergency Hospital Designation,” February 7, 2023, https://www.chartis.com/about/news/new-chartis-study-explores-rural-hospital-instability-and-models-potential-impact-rural. Madeline Ashely, et. al, “House GOP's 1,112-page budget: 23 notes for hospital leaders,” May 27, 2025, https://www.beckershospitalreview.com/uncategorized/house-gops-1112-page-budget-23-notes-for-hospital-leaders/, Becker's Hospital Review. Noam N. Levey, “In Arizona County That Backed Trump, Conflicted Feelings About Cutting Medicaid,” May 28, 2025, https://kffhealthnews.org/news/article/medicaid-cuts-arizona-county-trump-voters-conflicted/, KFF Health News. Modern Medicaid Alliance, “Opposition Continues to Grow As Proposed Medicaid Cuts Move Forward Through Reconciliation Process,” May 20, 2025, https://modernmedicaid.org/opposition-continues-to-grow-as-proposed-medicaid-cuts-move-forward-through-reconciliation-process/. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com. Follow Rural Health Today on social media! ⁠https://x.com/RuralHealthPod⁠⁠https://www.youtube.com/@ruralhealthtoday7665⁠  Follow Hillsdale Hospital on social media! ⁠https://www.facebook.com/hillsdalehospital/⁠ ⁠https://www.twitter.com/hillsdalehosp/⁠ ⁠https://www.linkedin.com/company/hillsdale-community-health-center/⁠ ⁠https://www.instagram.com/hillsdalehospital/⁠ 

What does your future retirement look like? Whether your path includes unexpected challenges, careful frugality, or joyful surprises, it's vital to prepare for known unknowns, and build a resilient future that adapts to life's curveballs.  In this episode, we discuss:  Why retirement isn't linear How to plan for different potential retirement futures Lifequakes vs. Deep Risk The PESTLE framework for strategic thinking Today's article is from Kiplinger titled, The 'Rule of Four Futures' in Retirement. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: RetireWithPurpose.com/501

What if I told you the key to financial success isn't how smart you are with numbers, but how well you understand your own emotions? One of the most talked-about money books out there, The Psychology of Money by Morgan Housel, might change the way you think about money, and we're going to dive into the key concepts in this video. Here's what we cover in this episode:

Paul and Randy talk about the SEC baseball tournament and how NIL is influencing players to pick college over the middle rounds of the MLB draft. Then it's on to football and recruiting. Specifically, where is the talent now? And why has DFW so supplanted Greater Houston in supplying it? Where should Texas focus its time out of state? What are the unique value propositions for UT in the national landscape? The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Tom welcomes back Lyn Alden, Founder of Lyn Alden Investment Strategy, to the show to discuss the intricacies of trade deficits, the role of the US dollar as a global reserve currency, and the broader economic implications for the United States. Lyn explains that a trade deficit occurs when a country imports more than it exports, and while some countries experience this cyclically, others, like India, have managed structural deficits by investing in long-term growth rather than overconsumption. The US, however, faces a unique challenge: its trade deficit is deeply tied to its status as the world's reserve currency, which creates an excess demand for dollars and makes it difficult to manufacture competitively. Lyn highlights that the dollar's strength perpetuates this cycle, making imports expensive and exports cheaper, while also forcing the US to rely on foreign investment to fund its deficits. This dynamic has contributed to deindustrialization and a shift in economic power globally. She contrasts this with historical examples like the UK during the Bretton Woods era, where a similar situation led to stagnation before the rise of new powers like the US. The discussion shifts to fiscal dominance, where large government deficits constrain monetary policy, making central banks more reliant on fiscal authorities. Lyn notes that the Fed is increasingly limited in its ability to control inflation due to these fiscal pressures. She also addresses Trump's tariff policies, arguing they harm domestic industries and shift costs onto American consumers while failing to address the root causes of trade imbalances. Inflationary pressures from tariffs are uneven, with specific sectors facing price increases while others experience disinflation. Lyn emphasizes that sustained inflation requires broader money supply growth, which has not been a significant factor in recent years. She concludes by exploring alternatives like gold and Bitcoin as potential reserve assets, suggesting that diversification into neutral reserves could help mitigate risks but remains largely theoretical at this stage. Time Stamp References:0:00 - Introduction0:40 - Trade Deficits & Tariffs5:02 - Sustainable Economics?10:33 - Dollar & Liquidity14:02 - Fiat Currency 'Growth'15:49 - Fed & Fiat Deflation?21:40 - Tariff Model & Truth25:05 - Gold, Bitcoin, & Dollar28:30 - Trade, Tariffs, & Conflict33:04 - Bond Market Impacts36:36 - Taxes & Gradual Tariffs39:05 - DOGE & Reducing Deficits42:00 - Fiscal Dominance46:23 - Devaluing/Lower Dollar?49:43 - U.S. Gov't Buying Gold?52:20 - Bitcoin Reserve?56:09 - Tariffs & Inflation Effects59:40 - Watch for Fiscal Issues1:00:50 - Wrap Up Guest Links:Twitter: https://x.com/LynAldenContactWebsite: https://www.lynalden.com/ Lyn Alden is editor and publisher of LynAlden.com, where she has both a subscription and a free financial newsletter. She says, "Her background lies at the intersection of engineering and finance." Her site provides investment research and strategy, covering stocks, precious metals, international equities, and alternative investments, with a specialization in asset allocation. Whether you're new to investing or experienced, there's a lot there for you. Lyn has a bachelor's degree in electrical engineering and a master's degree in engineering management, focusing on engineering economics and financial modeling. She oversees the finances and day-to-day operations of an engineering facility. She has been performing investment research for over fifteen years in various public and private capacities. Her work has been editorially featured or cited on Business Insider, Marketwatch, Time's Money Magazine, The Daily Telegraph, The Philadelphia Inquirer, The Street, CNBC, US News and World Report, Kiplinger, and The Huffington Post. She has also appeared on Real Vision, The Investor's Podcast Network, The Rebel Capitalist Show, The Market Huddle, and many other podcasts.

Randy and Paul break down the 2025 schedule into threat levels. Then they talk about Randy's experience celebrating the 2005 national championship reunion during the Florida series. Of course, it wouldn't be an EGAT without discussing Irish and Russian demographic data, submarine statistics during the Pacific War and the hardness of gypsum as a building material. The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Today, we wrap up with Part II of my conversation with Jacob Schroeder of Kiplinger. We continue discussing the concept of "F.I.R.E." -Financial Independence, Retire Early. We talk about: -How FIRE participants can access funds prior to age 59 1/2- "Rule of 55" & "SEPP 72(t)" -What are some common characteristics of people who successfully implement a FIRE strategy?  -What if you are retired and bored? *this episode was recorded in video format, and will soon be available on our channel: YouTube   Connect with Loren: Share More & Get in Touch Podcast Page   More from Jacob Schroeder: Substack | LinkedIn Kiplinger Articles

Today, I'm thrilled to welcome David Blanchett back to the podcast. David is the Managing Director and Head of Retirement Research at PGIM DC Solutions and one of the most respected voices in retirement income planning today. You've likely come across his work in Morningstar, Kiplinger, and our Weekend Reading series—and for good reason. His research has earned accolades from nearly every major financial planning organization. In our conversation, we picked up where we left off back in Episode 55 with David's groundbreaking research on retirement spending patterns and adapting it to today's environment of elevated interest rates and persistent inflation. From challenging the idea of a "retirement crisis" that is making headlines everywhere to rethinking the 4% retirement income rule, David helps us distill the data and build income strategies grounded in behavioral and financial realities. In our conversation, we discuss the value and confidence that guaranteed lifetime income annuities provide retirees and how inflation concerns are impacting spending patterns. If you're planning your retirement or considering an adjustment to your current plan, this episode is packed with insights to help you spend your hard-earned dollars with confidence and design a secure and fulfilling retirement. In this podcast interview, you'll learn: Why “retirement crisis” is an overused headline—and why “challenge” is the better word. What David's research reveals about how real retirees spend—and why most don't adjust spending for inflation as expected. Why a 5% withdrawal rate may be more appropriate than 4% in today's interest rate environment. The behavioral power of guaranteed income—and how it gives retirees the freedom to actually enjoy their savings. How to build inflation hedges into your portfolio using tools like TIPS, annuities, and real assets. Show Notes: RetireWithPurpose.com/499

As the “celebration” of April 15th nears, the importance of tax planning remains critical.  What celebration, you ask? The celebration that they're done, of course. On today's show, we'll discuss the seven components of winning at taxes, especially after you've retired. The bottom line is that the savings you can take advantage of can be significant and leave you with a lot more after-tax dollars to use more efficiently in retirement. Next, Heidi will review an article from Kiplinger called “16 Retirement Mistakes You Will Regret Forever.” We agree with many of these mistakes, but not all of them. We'll discuss why and how these can make a real difference in your world. Tune in and take control!

Send us a textEpisode 118 discusses Planning for Business Exit with Justin Goodbread. Justin Goodbread is a globally recognized business strategist, bestselling author, and entrepreneur who has built, scaled, and exited multiple 7, 8, and 9 -figure companies.  A decamillionaire before 40, he has personally coached nearly 100 business owners to double or triple their value, creating hundreds of millions in enterprise growth.  His bestselling books, The Ultimate Sale and Your Baby's Ugly, have sold over a million copies worldwide, and his insights have been featured in Forbes, The Wall Street Journal, USA Today, and Kiplinger.  Named the 2022 Peter Christman Exit Planner of the Year and a five-time Investopedia Top 100 Most Influential Advisor, Justin is known for his no-nonsense, practical approach to helping service-based business owners eliminate inefficiencies, scale profitably, and prepare for a lucrative exit. As a dynamic speaker and educator, Justin has shared the stage with some of the world's top business minds, including Dr. By Benjamin Hardy, Shark Tank's Daymond John, Netflix co-founder Mark Randolph, and EOS founder Gino Wickman.  He has spoken at major industry conferences and private business summits, delivering actionable strategies that help business owners scale profitably and build businesses that thrive beyond their direct involvement.  Through his speaking engagements, training programs, and mentorship, Justin champions a straightforward but powerful mission: to help entrepreneurs create a business that fuels their life—not one that consumes it.  As the founder of FinanciallySimple.com and host of a Top 1% podcast, he reaches business owners worldwide with clear, actionable strategies.  Despite his success, Justin remains grounded in his faith, family, and service Episode Benefits:  You can expect to gain actionable insights and strategies to help you prepare to Sell a Business and secure your financial future.  This Podcast series is targeted to Business Owners and C-Suite Executives.  It reflects my 34 years as a Business Owner and subsequent years as a Business Mentor and Consultant.  It focuses on the various subjects and topics to help you run a successful profitable business.  They are approximately 15-minutes long so you can listen while commuting.     Reach out to me to be put in contact with Justin.    The Business of Business, topics are divided into 5 Categories: Management, Operations, Sales, Financial, and Personal. Support the showHelping You Run a Successful Profitable Business !For Business Consulting or to be a Podcast Guest - Contact me at: www.bcforg.comLinkedIn: https://www.linkedin.com/in/brian-fisher-72174413/

Kiplinger is highlighting five key steps for effective estate planning in 2025, including creating a will, managing digital assets, and leveraging current tax exclusions.Today's Stocks & Topics: MCK - McKesson Corp., Market Wrap, XBB - BondBloxx BB-Rated USD High Yield Corporate Bond ETF, 5 Estate Planning Tips for 2025, Cash into the Market, BKNG - Booking Holdings Inc., ISRG - Intuitive Surgical Inc., Gold and Silver, Ford and Trump's Tariffs, SPYI - NEOS S&P 500 High Income ETF, QQQI - NEOS Nasdaq 100 High Income ETF, QCOM - Qualcomm Inc., SHOP - Shopify Inc., Tariffs on the Film Industry.Advertising Inquiries: https://redcircle.com/brands

Randy and Paul talk about the Texas spring football portal class, discuss post Spring takeaways, team strengths and weaknesses. Then it's on to baseball, as the #1 Horns swept the Aggies in Austin. What does Randy like about this team and staff? We also talk NFL draft and Sark's unique and real strengths that go much deeper than the "offensive whiz" rep. Of course, it wouldn't be an EGAT without lizard trivia.The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

On this myth-busting episode of Talking Real Money, Don and Tom tackle persistent financial fables that sound logical but often lead investors astray. With help from a Kiplinger list and their own experience, they dissect myths around mortgage payoff returns, Roth conversions, Social Security fears, withdrawal rules, and tax refunds—plus three bonus myths that still haunt conversations today. Along the way, Don shares his own recent experience filing for Social Security online (spoiler: it was surprisingly smooth), and they answer listener questions about muni bond funds and a bizarre Social Security payback tax mix-up. As always, it's myth-busting with a side of snark and a dash of real advice. 0:04 Myth-busting opener and Greek mythology jokes1:03 Myth #1: Paying off a 5% mortgage equals a 5% return5:14 Myth #2: Roth conversions always reduce taxes7:57 Myth #3: Social Security is going bankrupt13:20 Myth #4: The 4% rule guarantees retirement success17:16 Myth #5: It's better to get a tax refund than owe taxes18:54 Bonus myths: “I can save later,” “Investing is zero-sum,” and “High-cost funds perform better”21:21 Listener question: Social Security payback tax confusion26:42 Listener question: Best muni bond ETF for a high-tax-bracket senior Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeremy Keil explores Kiplinger magazine's article “11 Ways to Grow Your Wealth” and how to apply these strategies to retirement planning.

Welcome back! I've been away for a bit, but ready to swing into another year of podcasting, and I have a lot of interviews lined up that I'm excited to share. For today's episode, Jacob Schroeder of Kiplinger returns to the show to share some of his research on the FIRE movement, which stands for "Financial Independence, Retire Early." We talk about:   -What is FIRE and why do people get so excited about this? -On the flip side, what are some of the pitfalls of a FIRE strategy? -What is "Barista FIRE" and how is this different? -Why your risks can be magnified by retiring early, particularly "longevity risk." -How do FIRE enthusiasts flip the switch from saving and investing, to enjoying the fruits of their labor? *this episode was recorded in video format, and will soon be available on our channel: YouTube   Connect with Loren: Share More & Get in Touch Podcast Page   More from Jacob Schroeder: Substack | LinkedIn Kiplinger Articles

Where else can you get a discussion about the football spring portal, animal fights, college baseball, Pareto's principle, how the cost of customer acquisition relates to NIL, and a ranking of the best college football programs in Texas? The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Paul and Randy talk Texas baseball kicking ass so far in a dominant SEC. Looking good, but a lot of baseball left to play. Then they transition to which SEC football teams are most likely to break out from bad to middling performances and which teams are most likely to take a step back. They talk A&M, Auburn, Florida, Miss St, Kentucky, OU as well as potential falling stars Ole Miss and Missouri. What about Texas?The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Are you tired of overpaying taxes and feeling like your wealth is constantly slipping away? In this eye-opening episode of The Richer Geek Podcast, we dive into the tax secrets used by the ultra-wealthy with Mark Miller, President of Hilton Tax & Wealth Advisors. For over 30 years, Mark has helped business owners, physicians, and high-net-worth clients save tens of millions in taxes while increasing their wealth by over $200 million. As a best-selling author of The Tax-Free Business Owner, he reveals how business owners can zero out their taxes just like Fortune 500 companies. Featured in top publications like The New York Times and Kiplinger's Personal Finance, Mark's insights will empower you to reduce your tax burden and accelerate your path to financial freedom.  In this episode, we're discussing… Beyond Basic Compliance: Don't mistake standard CPA services for proactive, advanced tax planning that can significantly reduce your tax burden. Family Office Strategies for Main Street: Learn how strategies historically used by the ultra-wealthy, like the Hilton family, are now accessible to a wider range of investors. The Power of a Formalized Tax Plan: Just like a business plan, a strategic tax plan is crucial for minimizing your biggest lifetime expense: taxes. Debunking Tax Myths: Understand that aggressive, legal tax planning doesn't necessarily increase audit risk and that IRS audits are often less intrusive than perceived. Safety First Investing: Discover the investment philosophy of the wealthy, prioritizing safety and security as the foundation for consistent, long-term returns. Actionable Strategies Exist: Explore advanced tax mitigation techniques beyond standard deductions and retirement contributions, potentially leading to a significantly lower or even zero tax bracket.        Resources from Mark      LinkedIn | Hilton Tax & Wealth Advisors | The Tax-Free Business Owner | Hilton Wealth: How to Invest Like An American Dynasty      Resources from Mike and Nichole      Gateway Private Equity Group |  Nic's guide | Franchise With Bob

Today on the podcast, we welcome back Jean Chatzky. Jean is the CEO of HerMoney.com and host of the podcast, HerMoney with Jean Chatzky. She has served as the financial editor of NBC Today for 25 years and is the financial ambassador for AARP. She appears frequently on CNN, MSNBC, and was a recurring guest on The Oprah Winfrey Show. She has written several New York Times bestselling books. Her latest is Women with Money: The Judgment-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and, Yes, Rich) Life You Deserve. Jean also appears in my book How to Retire, where she talks about retirement planning considerations for women.BackgroundBioHerMoney podcastFinanceFixxWomen With Money: The Judgment-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and, Yes, Rich) Life You Deserve, by Jean ChatzkyOpportunity KnocksAARPWomen in Investing and Financial Advisors“How to Choose a Financial Advisor,” video post by Jean Chatzky, Linkedin.com.“Jean Chatzky on Women in Investing: Are You Taking Control of Your Money?” by Melissa Houston, forbes.com, April 21, 2022.Annuities, Long-Term Care, FIRE“The High Costs of Senior Caregiving,” by Ella Vincent, Kiplinger.com, Aug. 3, 2023.“Long-Term Care Insurance Rate Increase Creates Big Headache,” by Jean Chatzky, aarp.com, Feb. 7, 2023.“Are Annuities a Good Investment? What They Are and Why Women Should Consider Them,” HerMoney With Jean Chatzky, episode 433, hermoney.com, July 24, 2024.“How to Retire Early Without Hating Your Life,” HerMoney With Jean Chatzky, episode 459, hermoney.com, Jan. 22, 2025.Other“Jean Chatzky: ‘Financial Stress Is a Big Topic in Need of More Oxygen,'” The Long View podcast, Morningstar.com, Dec. 15, 2020.How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement, by Christine BenzKaren FinermanMichael KitcesAlliance for Lifetime IncomeJean Chatzky The Today Show archives

Paul and Randy cover a lot of ground: the fantastic start for UT Baseball, spring football updates, thoughts on the Final 4 and Sean Miller's Longhorn team buildout, the new role of the GM in college football, women's hoops in the Final 4 and the woefulness of being an Aggie in every major sport right now. What the heck is going on in College Station in seemingly every major sport? The time is now for your new mortgage or refi with Gabe Winslow at 832-557-1095 or MortgagesbyGabe. Then get your financial life in order with advisor David McClellan 312-933-8823 with a free consult: dmcclellan@forumfinancial.com. Read his retirement tax bomb series at Kiplinger! https://www.kiplinger.com/retirement/retirement-planning/605109/is-your-retirement-portfolio-a-tax-bomb Need a great CenTex realtor? Contact Laura Baker at 512-784-0505 or laura@andyallenteam.com.

Most people focus on saving for retirement, but what happens when you actually get there? Retirement isn't just about having enough money—it's about managing risks that can threaten your financial security and lifestyle.  In this episode, we explore Five Key Retirement Challenges (and Solutions), inspired by a Kiplinger's Personal Finance article by Walt West. From unexpected market downturns to rising healthcare costs, these challenges can catch retirees off guard if they're not prepared. We break down each challenge—financial instability, healthcare expenses, taxes, inflation, and estate planning oversights—and discuss practical strategies to navigate them. Learn how to structure a flexible withdrawal plan, prepare for long-term care costs, use tax-efficient strategies like Roth conversions, and ensure your estate plan protects your loved ones.  Plus, we tackle a listener question about using a MIGA ladder strategy to bridge the gap until Social Security—offering insights into the pros and cons of annuities in a retirement portfolio. If you want to retire with confidence and avoid costly missteps, this episode is a must-listen. Whether you're years away from retirement or already in it, understanding these key challenges and their solutions can help you make smarter financial decisions for the road ahead. Outline of This Episode (0:00) 5 Key Retirement Challenges (and Solutions) (1:17) Retirement headline: Kiplinger's article on retirement challenges (1:42) Challenge #1: Financial instability (4:09) Challenge #2: Healthcare and long-term care costs (6:33) Challenge #3: Taxes in retirement (7:33) Challenge #4: Inflation's impact on retirement income (8:32) Challenge #5: Estate planning oversights (10:25) Listener question: MIGA ladder strategy for retirement income Resources & People Mentioned The Retirement Podcast Network Kiplinger's Personal Finance “Five Key Retirement Challenges” by Walt West Fidelity's Healthcare in Retirement Report Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify  

Click here to work with us! Most people focus on saving for retirement, but what happens when you actually get there? Retirement isn't just about having enough money—it's about managing risks that can threaten your financial security and lifestyle.  In this episode, we explore Five Key Retirement Challenges (and Solutions), inspired by a Kiplinger's Personal Finance article by Walt West. From unexpected market downturns to rising healthcare costs, these challenges can catch retirees off guard if they're not prepared. We break down each challenge—financial instability, healthcare expenses, taxes, inflation, and estate planning oversights—and discuss practical strategies to navigate them. Learn how to structure a flexible withdrawal plan, prepare for long-term care costs, use tax-efficient strategies like Roth conversions, and ensure your estate plan protects your loved ones.  Plus, we tackle a listener question about using a MIGA ladder strategy to bridge the gap until Social Security—offering insights into the pros and cons of annuities in a retirement portfolio. If you want to retire with confidence and avoid costly missteps, this episode is a must-listen. Whether you're years away from retirement or already in it, understanding these key challenges and their solutions can help you make smarter financial decisions for the road ahead.  Outline of This Episode (0:00) 5 Key Retirement Challenges (and Solutions) (1:17) Retirement headline: Kiplinger's article on retirement challenges (1:42) Challenge #1: Financial instability (4:09) Challenge #2: Healthcare and long-term care costs (6:33) Challenge #3: Taxes in retirement (7:33) Challenge #4: Inflation's impact on retirement income (8:32) Challenge #5: Estate planning oversights (10:25) Listener question: MIGA ladder strategy for retirement income Resources & People Mentioned The Retirement Podcast Network Kiplinger's Personal Finance “Five Key Retirement Challenges” by Walt West Fidelity's Healthcare in Retirement Report Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify