Podcasts about Kiplinger

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.

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

In this edition of The Reheat, we break down the top teams in the SEC and stack them up heading into the season. From title contenders to dark horses, here's where every powerhouse stands in the conference pecking order. Join InsideTexas.com: https://www.on3.com/teams/texas-longhorns/join/ This Video Brought to You By Our Wonderful Sponsors: Call your real estate expert, Laura Baker, at 512-784-0505 or email her at laura@andyallenteam.com. David McClellan is a fiduciary financial advisor and partner with Forum Financial. He works broadly and deeply with his clients as a financial life coach. He specializes in financial planning and has contributed numerous articles to Kiplinger on the topic of retirement tax bombs. For a free intro consult, contact him at dmcclellan@forumfinancial.com or 312-933-8823. Want Official IT Merch? Shop Here: https://insidetexasmerch.myshopify.com/ Listen to the Podcast: Spotify: https://open.spotify.com/show/3P0cwAUPNZrsNrTOKOfa6x Apple: https://podcasts.apple.com/us/podcast/inside-texas-football/id1721623113 Find Us On Social Media: Twitter: https://twitter.com/InsideTexas Facebook: https://www.facebook.com/InsideTexas/ Instagram: https://www.instagram.com/insidetexas/ https://www.on3.com/teams/texas-longhorns/

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. 

How are teams going to test the new look Longhorns? Ohio State has a likely plan of attack. Join InsideTexas.com: https://www.on3.com/teams/texas-longhorns/join/ This Video Brought to You By Our Wonderful Sponsors: Shop Academy Sports + Outdoors for top brands and low prices, with FREE in-store pickup and same-day delivery! Visit https://www.academy.com/ David McClellan is a fiduciary financial advisor and partner with Forum Financial. He works broadly and deeply with his clients as a financial life coach. He specializes in financial planning and has contributed numerous articles to Kiplinger on the topic of retirement tax bombs. For a free intro consult, contact him at dmcclellan@forumfinancial.com or 312-933-8823. Want Official IT Merch? Shop Here: https://insidetexasmerch.myshopify.com/ Listen to the Podcast: Spotify: https://open.spotify.com/show/3P0cwAUPNZrsNrTOKOfa6x Apple: https://podcasts.apple.com/us/podcast/inside-texas-football/id1721623113 Find Us On Social Media: Twitter: https://twitter.com/InsideTexas Facebook: https://www.facebook.com/InsideTexas/ Instagram: https://www.instagram.com/insidetexas/ InsideTexas.com: https://www.on3.com/teams/texas-longhorns

In this episode of The Reheat, we break down how Texas' position groups stack up heading into the season. Plus, a look at what it will take for the Longhorns to push toward championship contention. Join InsideTexas.com: https://www.on3.com/teams/texas-longhorns/join/ This Video Brought to You By Our Wonderful Sponsors: Call your real estate expert, Laura Baker, at 512-784-0505 or email her at laura@andyallenteam.com. David McClellan is a fiduciary financial advisor and partner with Forum Financial. He works broadly and deeply with his clients as a financial life coach. He specializes in financial planning and has contributed numerous articles to Kiplinger on the topic of retirement tax bombs. For a free intro consult, contact him at dmcclellan@forumfinancial.com or 312-933-8823. Want Official IT Merch? Shop Here: https://insidetexasmerch.myshopify.com/ Listen to the Podcast: Spotify: https://open.spotify.com/show/3P0cwAUPNZrsNrTOKOfa6x Apple: https://podcasts.apple.com/us/podcast/inside-texas-football/id1721623113 Find Us On Social Media: Twitter: https://twitter.com/InsideTexas Facebook: https://www.facebook.com/InsideTexas/ Instagram: https://www.instagram.com/insidetexas/ https://www.on3.com/teams/texas-longhorns/

The 3-technique defensive tackle is one of the most disruptive forces in modern football. Lined up in the B-gap, this lineman wrecks run plays and creates interior pressure that can dictate the flow of a game. Join InsideTexas.com: https://www.on3.com/teams/texas-longhorns/join/ This Video Brought to You By Our Wonderful Sponsors: David McClellan is a fiduciary financial advisor and partner with Forum Financial. He works broadly and deeply with his clients as a financial life coach. He specializes in financial planning and has contributed numerous articles to Kiplinger on the topic of retirement tax bombs. For a free intro consult, contact him at dmcclellan@forumfinancial.com or 312-933-8823. Want Official IT Merch? Shop Here: https://insidetexasmerch.myshopify.com/ Listen to the Podcast: Spotify: https://open.spotify.com/show/3P0cwAUPNZrsNrTOKOfa6x Apple: https://podcasts.apple.com/us/podcast/inside-texas-football/id1721623113 Find Us On Social Media: Twitter: https://twitter.com/InsideTexas Facebook: https://www.facebook.com/InsideTexas/ Instagram: https://www.instagram.com/insidetexas/ https://www.on3.com/teams/texas-longhorns/

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.

5 Biggest Stealth Retirement Costs – Chris Boyd and Jeff Perry review a recent article from Kiplinger's magazine (linked below) as they discuss the “Five Biggest Stealth Costs in Retirement.” The conversation begins with the notion that most people planning for retirement have a basic understanding of their future cash flow needs. Chris and Jeff dig into the costs that many people make incorrect assumptions about or ignore all together. Included in the conversation are unexpected health care costs, income tax errors, unanticipated financial emergencies, family member needs/gifts, and the long-term impacts of inflation. https://www.kiplinger.com/retirement/the-biggest-stealth-costs-in-retirement For more information or to reach TEAM AMR, click the following link: https://www.wealthenhancement.com/s/advisor-teams/amr

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.

When most people think about retirement risks, they picture a stock market crash. But the truth is, the biggest threats to your financial future are often the ones you never saw coming. In this episode, Scott unpacks seven real risks that can quietly derail even the most well-planned retirement. Spoiler alert: it's not just about volatility. Here's what we cover in this episode:

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!

You've had 2025 circled on your calendar for years, but now, with rising inflation, market volatility, and economic uncertainty, you're asking the big question: Is 2025 still a good time to retire? In this episode, Scott breaks down what really matters when making the retirement leap and why the media headlines shouldn't dictate your financial future. If you're feeling pressure to postpone your plans, this conversation offers clarity, calm, and a better decision-making framework. Key Points We Cover:

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

Why Money Arguments Are Tearing Marriages Apart—and How to Stop Them Money is one of the top sources of conflict in marriage. From debates over spending and saving to disagreements about investing and earning, financial differences can strain even the strongest relationships. These disputes are often at the root of divorce or emotional disconnection. Why do couples struggle so much with money conversations, and how can they work together to find common ground? This week, we're joined by Deb Meyer, a Certified Financial Planner and founder of WorthyNest®, a wealth management firm specializing in family-focused financial planning. Deb shares the most common reasons couples clash over money and offers practical strategies to help you and your spouse align your financial goals, reduce conflict, and build a stronger partnership. Don't let money arguments define your marriage—tune in to learn how to turn these tough conversations into opportunities for growth and connection. Website: https://www.worthynest.com/press  FREE Marriage and Money Download https://www.worthynest.com/marriage-and-money-guide  Key Takeaways: It's important to frame financial discussions in a fun way. Creative budgeting can enhance the spending experience. Memories created as a family are more valuable than gifts. Regular conversations about money can reduce tension in relationships. Budgeting is just one aspect of a comprehensive financial plan. Couples can forge a new financial future together. Faith can guide financial decision-making. Experiences often provide more satisfaction than material possessions. Engaging children in financial discussions can be beneficial. Regular check-ins on financial goals are essential for progress. Deb Meyer, CFP®, CPA, and CEPA, is the award-winning author of Redefining Family Wealth, host of the Beyond Budgets® podcast (we were on Episode 19), and founder of WorthyNest®, a fee-only, fiduciary wealth management firm that guides parents through important financial decisions using a values-based approach. Deb has been featured in The Wall Street Journal, Forbes, and CNN Business and is a contributor to Kiplinger.  She is a 2019 CPA Practice Advisor “40 Under 40 Honoree” in Accounting and received the 2018 AICPA Standing Ovation Award.  Deb lives in Missouri with her husband Bryan and three sons. Want to live a better balanced life and win in marriage AND business at the same time? Purchase our (audio) book Tandem: The married entrepreneurs' guide for greater work-life balance. https://www.thetandembook.com/ Need to create more time to dedicate to your marriage? Download this free guide. https://marriedentrepreneur.co/boundaries Need some insight into how to balance it all? Schedule a free discovery call. https://marriedentrepreneur.co/lets-talk

Mike Dullaghan is the 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. Previously, at Putnam Investments, he was the Director of Content and Sales Enablement for Putnam's DCIO Team. Mr. Dullaghan received his Retirement Income Certificate, or RI(k), from the National Association of Plan Advisors (NAPA).In this episode, Eric and Mike Dullaghan discuss:Automatic enrollment and automatic escalationThe evolution of retirement income solutions Regularly updating the plan design The blurring of lines between retirement and wealth advisory Key Takeaways:For ERISA plans established since January 1, 2023, automatic enrollment and auto-escalation are now required, reflecting a shift toward helping more workers save effectively for retirement.There's a growing focus on creating in-plan guaranteed income options, with innovations aimed at providing personalized income solutions using technology like AI to help retirees manage their savings.Just like smartphone operating systems, retirement plans need periodic review to ensure they're optimized for changing workforce demographics and participant needs.With state mandates and demographic shifts, advisors are increasingly working across retirement plans and wealth management, creating new opportunities for comprehensive financial guidance.“If we can boil it down to what's the why of retirement income, what's the how of retirement income, and what's the what, then I think we're going to be in a way, better place than we are today.” - 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 change.It 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.

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.

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

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  

Paul and Randy talk Texas baseball's 14 game winning streak and how things set up for a challenging SEC slate. Then they talk about Sark's press conference and what we can learn from his comments - how long will Sark coach at Texas? Finally, a little basketball, a little kid's little league and some conjecture over how college football will further embrace gambling and fantasy as the NFL did. 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.