Podcasts about retirees

Top 5 Cities to Retire in Croatia for Gay Folks | Affordable Gay Retirement in EuropeYour morning walk is along a stone promenade by the Adriatic Sea.Your biggest decision? Coffee… or wine… or both.And your cost of living just dropped by 40–60%.If you've been dreaming about gay retirement abroad, but assumed Europe meant Paris prices or Barcelona crowds, think again. In this episode of Queer Money, we break down the top 5 cities to retire in Croatia for gay men who want affordability, culture, and coastal beauty without draining their portfolio.Croatia may be Europe's best-kept retirement secret.We ranked these cities using our Queer Money Retirement Rating, overweighting affordability because stretching your retirement dollars matters — especially if you want options.In This Episode We Cover:➜ Zagreb – Croatia's largest LGBTQ+ community and most livable city➜ Split – Beach life, island hopping, and expat-friendly energy➜ Rijeka – Progressive, artsy, and quietly affordable➜ Osijek – Shockingly low cost of living with small-town charm➜ Zadar – Romantic seaside sunsets without the tourist chaosWe also break down:➜ Cost of living compared to Denver (40–60% cheaper)➜ Average two-bedroom rent ($700–$1,400 USD)➜ LGBTQ+ protections and civil union laws➜ What the gay scene actually looks like (and where to be discreet)➜ Why Dubrovnik didn't make the listCroatia offers Mediterranean lifestyle, national healthcare access, and European culture — without the Spain or Italy price tag.But affordability is only half the story. We also talk honestly about LGBTQ+ acceptance, legal protections, and what life is really like for gay retirees in Croatia.

Send a textA 72-year-old engineer with $750,000 saved told me he couldn't afford $140 boots.He owns his home. Has a pension. Social Security. But he's been wearing 30-year-old work boots in his garden because new ones are "too rich for my blood."Sound familiar?If you've worked your whole life, saved diligently, and now feel guilty about actually spending any of it—this episode is for you.The biggest retirement mistake isn't overspending. It's under-LIVING.In this episode, we're talking about the one thing most retirees need but don't realize they need: permission.Permission to take that trip. Permission to help your kids. Permission to upgrade your life. Permission to say no to work.I'm not talking about reckless spending. I'm talking about giving yourself the freedom to enjoy the life you've worked decades to build—without guilt and without the fear of running out of money.IN THIS EPISODE YOU'LL DISCOVER:Why your parents' Depression-era mindset is still controlling your money decisions todayWhat the Bible actually says about enjoying your wealth (it might surprise you)The Parable of the Talents—and why it's NOT just about investingThe two practical tools you need to spend confidently: a budget and guardrailsHow that engineer finally gave himself permission—and what changed when he didEPISODE TIMESTAMPS:[00:00] The $140 Boots Story [02:15] Why You Can't Give Yourself Permission [03:30] The Generational Weight You're Carrying [06:00] What the Bible Says About Freedom [09:30] Permission to Enjoy (1 Timothy 6:17) [11:45] The Parable of the Buried Treasure [14:00] Wisdom vs. Recklessness [17:30] The Two Tools You Need [19:45] He Finally Bought the Boots [21:00] You Have PermissionFREE RESOURCES MENTIONED:

When people look back on their retirement years, what do they wish they had done differently? It turns out the biggest regrets aren't about picking the wrong stock or missing out on an investment. They're much more fundamental, and much more common.In this episode, podcast host Johnny Dean and Rick “The Professor” Plum, CFP®, dig into the five regrets retirees consistently report in major national surveys. Why do certain themes show up again and again? Where do people feel they missed opportunities, or didn't understand the long-term consequences of their decisions?You can't undo the past, but you can still shape what happens next. Hearing what others wished they'd done better may help you avoid the same frustrations. What can you learn from those who've already been there? Find out on this week's episode of Managing Your Financial Future!

Calling on all military retirees! The 502nd Air Base Wing and Joint Base San Antonio will host a Retiree Appreciation Day in your honor. The event will take place on Saturday, March 7, from 8 a.m. to noon at Wilford Hall Ambulatory Service Center at 1100 Wilford Hall Loop, Joint Base San Antonio-Lackland in San Antonio. Enter Lackland from Military Drive West through the gate closest to U.S. 90. This appreciation day, dedicated to military retirees and their families, also will present a special opportunity to connect with fellow retirees, access valuable resources, and enjoy a morning of camaraderie. A...Article Link

In this episode of Honest Money, Warren Ingram and Pieter de Villiers engage with audience questions, focusing on investment strategies for an inheritance and the complexities of living annuities in retirement. They emphasize the importance of understanding personal financial goals, managing withdrawal rates, and the psychological aspects of investing. The conversation provides valuable insights into financial planning, particularly for those approaching retirement or managing newfound wealth.TakeawaysPersonal finance should be approached with simplicity and clarity.Diversifying across too many funds can lead to over-concentration and unnecessary complexity.Balanced funds can often provide sufficient diversification without the need for multiple funds.Understanding the tax implications of retirement and discretionary investments is crucial.Estate planning should consider the needs of dependents, especially minors.Creating a trust can be a responsible way to manage assets for minor children.It's important to regularly review and update your will as circumstances change.Maximizing tax-free and retirement accounts is a significant achievement in personal finance.Communication with guardians about financial responsibilities is essential.Asking the right questions is a key part of financial literacy.Learn more about Prescient Investment Management here.Send a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Reinventing Retirement: The Future of the 401(k) w/ Ted Benna the Father of the 401k - AZ TRT S07 EP03 (285) 2-22-2026       Things We Learned This Week ·         The 401(k) Was Almost an Accident - A small 1978 tax provision turned into one of the most important financial innovations in modern history. ·         Regulation Built the Framework - The original law was only two pages. The real structure came later through Treasury rules and regulatory oversight. ·         Many Americans Still Aren't Financially Prepared - Nearly half the population lacks meaningful emergency savings — even with access to retirement plans. ·         Incentives Change Behavior - The Radish Plan ties savings to performance metrics, gamifies engagement, and may improve participation and retention. ·         Retirement Isn't Just About Growth — It's About Income - As you approach retirement, risk management and guaranteed income strategies become more important than aggressive growth.   Guests: Ted Benna, Benna 401K http://benna401k.com   Ted Benna, Father of the 401K, has worked in pension and retirement benefits industry for 60 years, and literally wrote the book on the 401K. He was a pioneer in the early 80s in designing the early 401K Plans, and then getting them approved by the IRS to be the model still used today.   Books:  401K Forty Years Later (2018) – history of the 401K 401K & IRA for Dummies Updated Version (2021)     https://radishplan.com/ An incentive-based model designed to help businesses retain top talent, increase profitability, and provide real financial security for employees.       Notes Guest: Ted Benna – Father of the 401(k) Topic: The Past, Present & Future of Retirement Savings Segment One: The Birth of the 401(k) The Accidental Revolution (1978–1980) ·         In 1978, a small two-page provision was added to the IRS tax code. ·         It allowed employees to defer compensation and receive tax advantages. ·         By 1980, Ted Benna helped launch the first 401(k) plan. ·         Designed for private companies (401k). ·         Government employees received the 457. ·         Nonprofits and schools had 403(b). ·         Individuals had IRAs. How It Changed America ·         Employees contribute directly from paychecks. ·         Employers can match contributions. ·         Pre-tax deductions reduce taxable income. ·         Created a culture of saving. ·         Today: Over $15 trillion saved in 401(k) plans. Early Challenges ·         Legal ambiguity at first. ·         Treasury had to create detailed regulations. ·         Oversight from: o    Department of Labor o    Treasury o    SEC ·         Subject to executive orders over the years. ·         New York Times coverage in early 80s accelerated adoption. ·         Ongoing class-action lawsuits and regulatory scrutiny. The Evolution Continues ·         Private equity now entering 401(k) investment menus. ·         Target-date funds continue to evolve. Segment Two: The Radish Plan – A New Model for 401(k)s The Problem Today ·         20–60% of Americans cannot access funds when needed. ·         Nearly 50% have little to no emergency savings. ·         Traditional 401(k)s are complex, costly, and burdened by red tape. ·         Many small businesses avoid offering plans. Introducing the Radish Plan ·         Employer-funded 401(k) model. ·         Incentive-based contributions tied to KPIs. ·         Similar to profit-sharing — not a flat percentage. ·         Rewards employees for hitting performance metrics. Real-World Example ·         Trucking company model: o    Custom incentives o    Performance-based rewards o    Visible progress tracked via mobile app ·         Gamified experience increases engagement. Why "Radish"? ·         The radish is one of the fastest-growing vegetables. ·         Long roots = deep savings foundation. ·         Visible incentives = motivation. Benefits to Employers ·         Helps recruit and retain employees. ·         Reduces turnover. ·         Saves on FICA taxes. ·         Tax credits available to set up plans. ·         Adoption agreement: 2½ pages (vs. traditional 20+ pages). ·         ~$1,500 setup cost. ·         SaaS platform integrates with payroll (Finch aggregation). ·         Lower software costs.

OPM's customer‑service struggles are coming at the same time the agency is rewriting policies that affect job security and appeals. We'll unpack what it all means for people counting on a stable, fair system with John Hatton, staff vice president for policy and programs at NARFE.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when" of five retirement decisions, today on Your Money, Your Wealth podcast number 569. We'll kick things off with a whale of an email: "Fine and Dandy" is 42 years old with a multimillion dollar private equity offer on the table. Should he sell his business now or hold out for a second bite of the apple later? He also wonders if it's crazy to spend more on his vacation home than on his primary residence. David calls himself an "elderly orphan," flying solo at 66 and in need of a plan to protect his million-dollar portfolio as he ages. BB and Shell are trying to time their final year of retirement contributions to save as much as possible before moving to a lower-tax state. Should they go Roth IRA or traditional? Joel wonders when to take required minimum distributions from retirement accounts for the maximum tax benefit, and Brian in New York needs a spitball on when it makes sense to have an emergency fund as a retiree, and for how much. Free Financial Resources in This Episode: https://bit.ly/ymyw-569 (full show notes & episode transcript) Growing Your Wealth Guide - free download Retirement Readiness Guide - free download Retire at 62: Great Idea or Huge Mistake? - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters:  00:00 - Intro: This Week on the YMYW Podcast 01:09 - Should I Sell My Business or Wait? Is It Crazy to Spend More on My Vacation Home Than My Primary Residence? (Fine and Dandy, IL) 20:48 - Saving to Roth IRA vs Traditional IRA in the Final Year Before Retirement (BB and Shell) 23:50 - When to Take Your First RMD for the Maximum Tax Benefit (Joel, CA) 27:33 - Aging Alone in Retirement: How to Protect Assets Before Cognitive Decline (David, 68, Logan, NM) 35:37 - Why Some CPAs Cap Roth Conversions at $500K AGI (Shweta, CA) 37:05 - When Does It Make Sense for Retirees to Have an Emergency Fund - and How Much? (Brian, Albany, NY) 42:03 - Outro - Next Week on the YMYW Podcast

This episode is a full-on “the headline is the least important part” takedown. We break down how the U.S. manufacturing side of the jobs data is quietly screaming recession (32 straight months of declines… yeah, that's a thing), while the media does victory laps on top-line numbers like we're not all watching the revisions come in later with a chair and popcorn. Then we get into the weirdest plot twist of the labor market: retirees are re-entering and grabbing new roles at rising rates, while under-25 workers are fading from the “new job” pipeline—because apparently the American Dream is now a part-time shift… after you already retired. Add in the usual THS spice: AI hype, crypto whiplash, and the “sensational headlines vs. reality” problem that keeps everyone emotional and nobody informed.

Nate Miles joins Jeremy Keil to discuss how the Allspring retirement research reveals trends of concern among retirees and the options they have to address them. Mike and Susan did what many couples do. They saved diligently. They crossed the $1 million mark before retirement. They felt prepared. But when it came time to make actual retirement decisions—when to claim Social Security, how to withdraw from their accounts, how to manage taxes—they realized something uncomfortable: They had spent decades saving… but very little time learning how to retire. This example speaks directly to what this year's Allspring Retirement Study uncovered. As Nate Miles shared on the “Retire Today” podcast, this wasn't a small or struggling population. Participants were 50+ with at least $200,000 in investable assets. A third of retirees surveyed had $1 million or more. Yet only six out of ten retirees said they feel financially secure. That gap between assets and confidence tells us something important: retirement success isn't just about how much you've accumulated. It's about how well you transition into distribution. The Social Security Mistake One of the most striking findings involved Social Security. Nate explained: “One third of our respondents claimed Social Security at 62 years old… because they believed the value or the benefit of waiting was not worth it. Yet they underestimated the value of waiting by 50%.” Many respondents assumed the benefit grew at 4% per year when delayed. In reality, for most people, it grows closer to 8% annually between full retirement age and 70. That misunderstanding alone can permanently reduce lifetime income. In the MAKE step of the 5 Step Retirement Master Plan, Social Security is foundational. For many retirees, it represents 30–40% of their guaranteed income. Optimizing that decision isn't optional—it's essential. And yet, education around it is surprisingly thin. As Nate pointed out, there are “560-something permutations” of Social Security claiming strategies. It's ubiquitous, but complicated. And too often, people default to the earliest date simply because it feels tangible. The Tax Blind Spot The second major theme of the study? Taxes. Only about 20% of retirees reported using a tax-efficient withdrawal strategy. Think about that. After decades of saving in multiple account types—traditional IRAs, Roth IRAs, brokerage accounts—most retirees are simply withdrawing from wherever feels convenient. Nate put it plainly: “Taxes matter for everyone, not just the high net worth crowd.” In the KEEP step of retirement planning, how you withdraw can meaningfully impact how long your money lasts. Choosing between Roth and traditional dollars. Managing capital gains. Coordinating withdrawals with Social Security timing. These aren't abstract academic exercises. They are practical levers that affect real income. Yet as Nate observed, most people spent 40 years having taxes withheld automatically from paychecks. They paid taxes—but they never actively managed them. Retirement flips that script completely. Now you must choose. The Psychological Shift No One Talks About Nate shared that many retirees are comfortable spending above their retirement number—until their account dips below it. The moment it falls beneath that original balance, panic sets in. Even if the plan accounts for drawdown. Even if it's sustainable. Even if it's expected. That's what I call the “accumulation paradox.” Economists assume you'll build your assets and gradually spend them down toward zero. Real people assume the number should stay intact forever. But retirement isn't about preserving a scoreboard. It's about funding a life. This is where the SPEND step meets the INVEST step. You saved to use the money. And yes, at some point, your balance may begin to decline. That's not failure. That's function. Advice Still Matters One of Nate's most memorable lines was this: “Monte Carlo gets 10,000 cracks at retirement. You and I get one.” We don't get multiple trial runs. We get one real-life retirement. That's why quality advice matters. The study suggests people with pensions are more likely to use annuities. People with advice are more likely to use tax strategies. And people who understand their income sources are more confident. Retirement is no longer just accumulation. It's design. And design requires intention. If you're within five years of retirement—or already there—ask yourself: Have I optimized my Social Security? Am I intentionally managing taxes? Do I have a clear income floor? Am I emotionally prepared to draw down assets? Because as this year's research shows, even million-dollar portfolios can feel uncertain without a plan. Retirement isn't about guessing well. It's about designing well. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Allspring 2026 Retirement Study: By Default or By Design? Nate Miles, Allspring Global Investments Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Your RMD math: did you get it right this year? The IRS is watching. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Wayne Anthony Miller, II, is the Senior Managing Director and Executive Vice President of Hale & Associates, an independent nationwide financial services firm. Hale & Associates has over 40 years of industry leadership. Wayne specializes in helping retirees and pre-retirees protect their life savings, maximize income, and build durable multigenerational legacy plans. Wayne's mission is to safeguard assets families have worked a lifetime to build and empower every client to retire with clarity, confidence, and long-term peace of mind.Learn More: https://haleandassociates.net/Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents. California insurance number OK13849. Wayne Anthony Miller, II CA LIC# 0G30788 Vice President of Sales Hale & Associates, LLC CA DBA Hale and Associates Financial and Insurance Services, LLC – LIC #6013528 CA DBA Wayne Miller Insurance and Financial Services – LIC #6014459Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wayne-miller-and-darren-grunberg-with-hale-associates-discussing-fixed-index-annuities-for-union-retirees

Wayne Anthony Miller, II, is the Senior Managing Director and Executive Vice President of Hale & Associates, an independent nationwide financial services firm. Hale & Associates has over 40 years of industry leadership. Wayne specializes in helping retirees and pre-retirees protect their life savings, maximize income, and build durable multigenerational legacy plans. Wayne's mission is to safeguard assets families have worked a lifetime to build and empower every client to retire with clarity, confidence, and long-term peace of mind.Learn More: https://haleandassociates.net/Investment advisory services are offered through RLB Financial a registered investment adviser. Insurance products and services are offered through individually licensed and appointed insurance agents. California insurance number OK13849. Wayne Anthony Miller, II CA LIC# 0G30788 Vice President of Sales Hale & Associates, LLC CA DBA Hale and Associates Financial and Insurance Services, LLC – LIC #6013528 CA DBA Wayne Miller Insurance and Financial Services – LIC #6014459Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wayne-miller-and-darren-grunberg-with-hale-associates-discussing-fixed-index-annuities-for-union-retirees

6pm: Trump revokes EPA finding on greenhouse gas threat in huge blow to climate change regulations // Interest on the National Debt Will Cost $16 Trillion Over the Next 10 Year // More on the President’s Net Worth // Trump Administration to End Immigration Enforcement Surge in Minnesota // Jacob Rummel Celebrates His 33rd Birthday by Cosplaying as Jesus // Washington’s Death Tax Has Retirees Fleeing the State

✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here — Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth joined Ryan Ermanni on The No Lazy Money Show on WJR for a wide ranging, real world conversation about what is shaping your financial future. They broke down the economic impact of the Big Beautiful Bill, including taxes and Social Security, and discussed how nonstop political headlines can influence investor behavior. They explained why reacting emotionally to the news can derail smart long term decision making. The episode also explored the Five Stages of Retirement, the important choice between semi retirement and a full stop, and four key questions everyone should ask when planning their future.  — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

Financial Stress for Retirees Over 62: How to Ease the BurdenThe price of everything seems to be creeping higher, doesn't it? From the gas pump to the grocery store, rising costs impact everyone. But for retirees age 62 and older, the pinch can be particularly painful. Living on a fixed income often means limited flexibility to adapt when inflation surges. What was once a comfortable retirement budget can quickly become a source of anxiety and stress. At DDA Mortgage, we understand these challenges and are committed to helping seniors navigate their financial landscape. We believe everyone deserves to enjoy their golden years without constant worry about money.Why Inflation Hits Seniors Harder Than Working HouseholdsWhile everyone feels the sting of inflation, its impact on seniors often feels disproportionately harsh. Several factors contribute to this imbalance:Fixed Incomes and Limited Earning PotentialUnlike working individuals who may have opportunities for salary increases or overtime pay, most retirees rely on fixed income sources like Social Security, pensions, and retirement savings. These sources may not adjust quickly enough to keep pace with rapidly rising prices. A cost-of-living adjustment (COLA) for Social Security helps, but it often lags behind real-time inflation rates. When the price of necessities like food, healthcare, and housing increases significantly, retirees on fixed incomes are forced to make difficult choices.Healthcare Costs and Unexpected ExpensesHealthcare expenses tend to increase with age, and these costs often outpace general inflation rates. Doctor visits, prescription medications, and potential long-term care needs can quickly deplete savings. Unexpected expenses, such as home repairs or vehicle maintenance, can also create significant financial strain, especially when budgets are already stretched thin. For many seniors, these unpredictable costs become a major source of financial stresstune in and learn https://www.ddamortgage.com/blogDidier Malagies nmls212566DDA Mortgage nmls324329 Support the show

6 LGBTQ-Friendly Countries Where Americans Can Retire for Less—and Still Achieve Retirement SuccessMost gay men assume retiring abroad requires extreme wealth, immigration lawyers, or giving up their U.S. passport.The truth?If you're over 50 and have Social Security, a pension, rental income, or a 401(k), you may already qualify for residency in multiple LGBTQ-friendly countries—and at a cost that actually supports retirement success instead of draining it.In this episode of Queer Money, we break down six verifiable LGBTQ-friendly countries where Americans can legally obtain residency without being ultra-wealthy—and where everyday life costs significantly less than in the United States.This conversation is about grounding the dream of retiring abroad in reality. These are real visa programs, real income thresholds, and real places where gay men can live openly, affordably, and with dignity.We cover:Why retiring abroad is often easier than people thinkHow reciprocity, visa policy changes, and global politics affect AmericansWhy cost of living—not net worth—is the real driver of retirement successHow residency visas work for retirees, investors, and financially independent individualsCountries Covered in This Episode:Portugal – Income-based residency, strong LGBTQ protections, and EU accessMexico – Familiar culture, flexible residency paths, and major healthcare savingsThailand – Marriage equality, retirement visas, and exceptional affordabilityGreece – EU residency options with one of the lowest Golden Visa thresholdsBrazil – Strong LGBTQ protections and low income requirementsLatvia – An emerging EU option with Schengen access and lower costsKey Takeaways for Retirement Success:You don't need millionaire money to retire abroad—clarity beats wealthCost-of-living arbitrage can extend your retirement years dramaticallyResidency is about documentation and income, not perfectionThe right country can turn “barely enough” into “more than enough”Retiring abroad isn't about running away.It's about running the numbers—and choosing a life that actually works.If retirement success means more freedom, less stress, and living openly as yourself, this episode shows you where to start.

Martin loved his job, but was ready for a new chapter.Martin shares how he retired at 58 to pursue his health and how he has been preparing for retirement for the last 30 years.Martin's wife still works, but he's not having an issue finding things to do in retirement.Hope you enjoy the insights shared!Want to be a guest on THIS show and help others by sharing your story? Complete this: https://vwo3759x8i7.typeform.com/to/gh00JmnZInterested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/Get access to the same software I use in my videos and join the Early Retirement Academy here  → https://ari-taublieb.mykajabi.com/early-retirement-academy--Martin is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this last episode of our Planning for Single Retirees series, we tackle the part of retirement planning that matters most when you don't have a built-in safety net: what happens if you can't manage life or money on your own. Today, John is joined by estate planning attorney Lisa Shoalmire to walk through the real-world planning issues facing "senior orphans," including how to set up financial and medical decision-makers, what to do if you don't have a trusted family member, and how bank agency accounts and professional care managers can step in when needed. They also cover how isolation increases the risk of scams and exploitation, why consolidating accounts and simplifying your finances matters more as you age, and the estate planning details single retirees should get right now—from probate choices to charitable bequests and protections against bad actors. If you're single, widowed, divorced, or simply planning without a spouse you can rely on, this episode is about protecting your independence, your dignity, and your plan—before a crisis forces decisions for you. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Market highs may feel exciting, but today’s conversation reveals why they’re also making retirees uneasy. Kevin Madden breaks down why record-breaking markets, rising layoffs, and unpredictable dips are prompting many people to reevaluate their risk tolerance. He explains how relying on market‑based withdrawals can drain savings faster than expected, and why tools like annuities and diversified income strategies may offer more stability. Kevin explores realistic ways to build a reliable income plan, stretch retirement dollars, and create a roadmap that keeps long‑term goals in focus without the stress of market watching. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Are you retired (or close to it) and wondering how AI can actually help with money decisions?In this video, I show simple, practical ways retirees can use AI for budgeting, planning, and financial clarity — without being tech-savvy. AI isn't just for young people or big corporations.Retirees can use it to:• Organize finances• Think through spending decisions• Plan retirement income• Reduce financial stress• Ask better questions before big money movesIn this video, I break down real-life ways I use AI for retirement finances, what it can (and can't) do, and how to get started safely.This channel is about confidence, clarity, and freedom in retirement — not hype.

Most advisors ignore the post-65 retirees sitting on their clients' health plans. They assume it's just a cost of doing business or that the employer wants to keep them on the same plan as active employees. But by failing to "carve out" this population, you are missing one of the biggest cost-containment strategies available, especially for self-funded groups.My guest, Ken Peterson, Regional Vice President at Benistar, joins me to demystify group retiree medical benefits. Ken explains why municipalities, unions, and family-owned businesses are prime candidates for this strategy, how moving retirees to a Group Medicare Advantage or Supplement plan can drastically lower the average age (and risk) of your active pool, and the specific questions you need to ask to uncover this opportunity. This is the guide to finding the hidden savings in your book of business.Chapters:(00:00:00) The "Low Hanging Fruit" of Benefits: Post-65 Retiree Plans (00:04:33) Who Needs This? Municipalities, Unions, and Family Businesses (00:06:38) The Shift to Group Medicare Advantage: Cost Savings & "Bells and Whistles" (00:11:23) Size Doesn't Matter: Solutions from 2 Retirees to 2,000 (00:12:50) The Carve-Out Strategy: How to Lower Your Active Group's Risk (00:16:40) The Future of Retiree Benefits: A Return to Med Supp? (00:21:56) Why Benistar is the "Broker's Broker" for Retiree Solutions▶▶ Sign Up For Your Free Discovery Callcompletegameu.com/agaCONNECT WITH ANDY NEARY

In this episode, we interview Sam Watts, executive director of the state retirement system, about a recent board vote and what it could mean for cost-of-living adjustments (COLAs) for retirees. Sam explains the system's funding history, the role of employer and employee contributions, how past policy choices created unfunded liabilities, and the board's proposal to use investment gains above a 6.5% threshold to help fund future COLAs — possibly as early as 2027. The conversation breaks down complex policy choices, timelines, and trade-offs for retirees, employers, and the General Assembly.

Georgia is already one of the most income-tax-friendly states for retirees, but now local politicians are talking about eliminating the state income tax altogether. Sounds like a dream, right? But as Randy and I debate this today, we have to ask: Is this actually good for your retirement, or just a political shell game?   We dig into the "revenue mismatch" that happens when the government cuts taxes without cutting spending. Georgia already excludes up to $65,000 per person in retirement income—so why the push for zero income tax? We explore why this move might actually invite higher property and sales taxes that hit retirees the hardest, the "Florida Effect" on real estate, and why you need a plan nimble enough to survive changing laws. ⸻ ⏱️ Episode Timeline & Highlights [01:00] – The big debate: Should Georgia eliminate state income tax? [02:55] – Why Georgia is already a "Tax Haven" for retirees. [04:15] – The "Clawback" Risk: Will you actually see these savings? [05:30] – The Tax Shell Game: Where the state might collect revenue next. [07:15] – Learning from Florida and Texas: Shifting the burden to property values. [09:45] – Flexibility in your tax code: Why nothing is permanent. [11:50] – The "Golden Child" Lesson: Why knowing the rules means winning the game. [12:35] – Executing a plan that keeps you on top through legislative shifts.   ⸻ Links & Resources Mentioned • Email the coaches: connect@yourretirementcoach.com • Yeomans Consulting Group – Comprehensive retirement planning in Marietta, Georgia • Subscribe to Coffee with Your Retirement Coach on your favorite podcast platform ⸻ Closing Thoughts Retirement planning is about more than just investments; it's about understanding the rules of the game and being nimble enough to pivot when those rules change. Whether it's income tax, property tax, or the "Florida migration," we want to make sure your resources are as resilient as possible. Subscribe, comment, and share with a friend. Stay coachable!   Disclaimer: Your Retirement Coach is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.  

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs the 4% rule still a reliable path to financial freedom in Canada—or is it holding your retirement plan back?You've heard it a hundred times: save 25x your annual expenses and withdraw 4% per year in retirement. But in 2026 and beyond, does that formula still stack up? Whether you're 10 years out from retirement or already hitting your financial freedom number, rigidly following outdated rules could put your lifestyle—and peace of mind—at risk. This episode dives into how the 4% rule was built, why it may not fit today's market realities, and how to think more flexibly about spending, investing, and enjoying your money without watching your net worth dwindle.In this episode, you'll discover:Why the original 4% rule was designed for failure avoidance, not lifestyle optimizationHow a flexible approach to withdrawals can empower smarter spending decisions year by yearThe mindset shift that can help you grow your net worth even in retirementPress play now to rethink your retirement strategy and build a wealth plan that works for your real life—not just the spreadsheets.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyleif you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a laReady to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Mentally preparing for retirement often generates more questions than answers. From wondering if you've saved enough to figuring out when you can finally stop working, many pre-retirees feel uncertain about what comes next. And then you add concerns around taxes, healthcare, Social Security, and market volatility, and it's easy to feel overwhelmed without a clear plan in place. In this episode, Keith Ellis Jr. is joined by SHP Financial Advisor Mike Guthrie to tackle the most common questions they've heard from clients over the years. With decades of combined experience, Keith and Mike walk through real-world scenarios and explain why there's rarely a one-size-fits-all answer—but there's always a better, more informed way to make decisions. They discuss how to determine whether you truly have enough to retire, how income planning provides clarity and confidence, and why understanding where your money comes from—and where it goes—is critical in retirement. You'll also hear how concepts like the 4% rule and income buckets help retirees move from uncertainty to control. Ultimately, Keith and Mike emphasize the importance of proactive planning—especially around taxes and withdrawal strategies—so retirees can protect their lifestyle, reduce unnecessary risk, and enjoy the years they've worked so hard for. In this podcast interview, you'll learn: How to determine whether you truly have enough money to retire. Why income planning is the foundation of a confident retirement. When it may—or may not—make sense to retire earlier than expected. How to think about cash reserves, income buckets, and long-term growth. What to consider when deciding when to claim Social Security. Why proactive tax planning can significantly impact retirement success. Want the Full Show Notes? To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast Connect With Us on Social Facebook LinkedIn YouTube

A candid conversation with Eric Brotman on why retirement planning needs structure, flexibility, and fewer assumptions. One of the things I've learned after years of retirement planning conversations is that most people aren't short on opinions — they're short on clarity. They've heard plenty of rules.They've absorbed countless headlines.They've picked up advice from coworkers, friends, and financial media. But when you slow things down and ask a simple question — “Why are you doing it this way?” — the answer is often some version of, “That's just what I've always heard.” I recently sat down on the “Don't Retire… Graduate!” podcast with host Eric Brotman (author of “Don't Retire, Graduate” and previous guest of my podcast back in the “Retirement Revealed” days) to discuss why building a better retirement plan starts with asking better questions. Eric is the author of Don't Retire, Graduate, and his core message is relatable to everyone entering retirement: retirement isn't a finish line. It's a transition — and transitions deserve thoughtful planning, not assumptions. As Eric put it during our conversation, “Most people think retirement is a decision. It's not. It's a process.” Why One-Time Decisions Matter So Much to a Retirement Plan When you're working, mistakes are usually correctable. Save too little one year? You can increase contributions later. Invest poorly early on? Time often smooths things out. Retirement doesn't work that way. Retirement is full of one-way doors — decisions you can't easily undo. Social Security claiming. Pension elections. Medicare choices. Tax strategies.  Once those decisions are made, you often live with them for decades. This is where many retirement plans quietly fail. Not because the investments are bad, but because the planning skipped the hard questions upfront. The Quiet Problem of Underspending One of the most interesting threads in our conversation was something I see often with clients but rarely see addressed directly: underspending. People spend decades being disciplined savers. They're rewarded for delaying gratification. Then retirement arrives — and suddenly they're supposed to flip a switch and start spending confidently? That transition is harder than most people expect. Eric described it bluntly: “A lot of retirement plans are designed to avoid failure, not to support a great life.” When plans are built entirely around extremely high “success rates,” the tradeoff is often living smaller than necessary. Retirees follow conservative rules, spend cautiously, and end up with more money at the end of life than they started with — not because they needed it, but because no one ever gave them permission to use it. That's how an effort to preserve your money in retirement can turn into a missed opportunity. Why Rules of Thumb Aren't Enough Rules like the 4% withdrawal guideline exist for a reason — they're simple and memorable. But that simplicity comes at a cost. Rules of thumb can be useful starting points, they become problematic when people treat them as guarantees rather than guidelines that require context. Markets change. Taxes change. Spending changes. Life changes. A retirement plan that assumes constant spending and ignores flexibility is solving a math problem that doesn't exist in the real world. What works better is a framework that expects adjustment — not perfection. Retirement as a Graduation, Not an Ending The phrase “Don't retire, graduate” isn't about working forever. It's about intention. Some people want to fully step away from work. Others want to consult, volunteer, or stay mentally engaged. Neither approach is right or wrong — but drifting into retirement without deciding is where dissatisfaction often starts. What makes a difference for most retirees? Having a purpose to your life in retirement as a new chapter, not a conclusion to the entire book. When you treat retirement as a graduation into something new, the planning naturally becomes more thoughtful. Spending decisions align with values. Time gets treated as intentionally as money. And confidence replaces guesswork. The Real Goal of Retirement Planning At its core, this conversation wasn't about beating markets or optimizing spreadsheets. It was about aligning math with real life. A good retirement plan doesn't just aim to avoid running out of money. It aims to help you live well — without constant second-guessing. For many, effective retirement planning isn't about dying with the most money. It's about using the money you've earned to live well, without fear or constant second-guessing. That's a goal worth planning for. If you're approaching retirement — or already there — this episode will challenge some comfortable assumptions and help you think differently about what your plan is actually designed to do. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Eric Brotman on LinkedIn “Don't Retire…Graduate!” podcast “Don't Retire…Graduate!” on Amazon BFG Financial Advisors BFG University on YouTube Build Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

A new senior tax deduction sounds simple—until you look at who actually qualifies. In this episode of The Retirement Key, Abe Abich breaks down a new 2026 tax break tied to the One Big Beautiful Bill Act and why income levels, timing, and long‑term strategy matter more than the headline. The discussion looks beyond this year’s filing and into how deductions, Roth conversions, and planning windows shape retirement taxes over decades. Abe also tackles the long‑held belief that taxes automatically drop in retirement—and why many families are discovering the opposite. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

David's story feels familiar to a lot of people in their late fifties and early sixties. After a long career in asset management, a role change and pandemic burnout became the nudge he didn't know he needed. At sixty, he finally decided to stop working not because he had to, but because he could.He describes retirement in one word: possibility. Time with friends, hikes during the week, early dinners without rushing, and yes, plenty of pickleball. The new rhythm isn't about adding more activities. It's about having choice. He's still curious, still learning, still pushing himself with new skills and fresh goals, just without the pressure to perform.David also talks about what made the decision easy and what made it hard. Leaving a good job wasn't simple. Letting go of structure took practice. But he found freedom in quiet mornings, long walks, and realizing he didn't need a title to feel fulfilled.The conversation turns to money, too. The reality of how decades of steady saving built flexibility, how modest spending supports a rich life, and how “enough” means something different now. He's planning thoughtfully for Social Security, Roth conversions, and even legacy for his daughters, while still reminding himself to enjoy the present.If you're in your fifties or sixties wondering what's next, this episode is for you. You'll hear how stepping away from work can open new space to live, learn, and move at your own pace. Sometimes the next chapter isn't about doing more. It's about finally breathing.Interested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/Get access to the same software I use in my videos and join the Early Retirement Academy here  → https://ari-taublieb.mykajabi.com/early-retirement-academyWant to be a guest on THIS show and help others by sharing your story? Complete this: https://vwo3759x8i7.typeform.com/to/gh00JmnZ--Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

The tax planning process doesn't change for single retirees—but the margin for error does. In this episode, we explain why taxes behave differently when there's only one tax bracket, no spousal coordination, and no survivor window to clean things up later. We discuss why IRMAA thresholds hit sooner for single filers and how small income decisions can have outsized consequences. We walk through a simple framework that focuses on understanding your income baseline, where your assets are held, how Medicare premiums factor into tax decisions, and why time horizon matters more when there's only one lifetime to plan around. This episode isn't about squeezing out every last tax advantage. It's about protecting flexibility, avoiding irreversible mistakes, and building a plan that works without a backup. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Markets may still enjoy short-term momentum, but long-term retirement planning must confront a different reality: elevated valuations, lower forward returns, and rising sequence-of-returns risk. Richard Rosso explains why retirees face a near-term tailwind in market returns—but potentially long-term secular stagnation that demands tighter portfolio guardrails. Drawing on research from Michael Kitces and Wade D. Pfau, we discuss why historically tested retirement income strategies matter more today than at any point in the last two decades. Rich breaks down: Why short-term market strength can be dangerous for new retirees How sequence-of-returns risk dominates the first 10–15 years of retirement Why portfolios need rules and guardrails, not static allocations How retirees over the last 3–5 years should consider "goal scooping" after strong market gains Why taxes still materially affect retirement income sustainability How to mentally and emotionally prepare for inevitable market volatility At RIA, we use valuation-based planning, forward-return assumptions, and behavioral coaching to help retirees avoid forced selling, manage withdrawals, and maintain confidence through changing market cycles. Retirement is not static—and neither is risk. This is about preparing before markets test your plan. 0:00 - INTRO 0:19 - Managing Retirement Income when Markets are Expensive 2:21 - Time Correction of Markets 3:59 - When Valuations Matter 5:52 - Being Prepared for Stagnation 15:04 - How to Battle Stagnation in Retirement 18:37 - Goal Scooping for Retirees 20:51 - Making Sure of Guaranteed Income 24:32 - Determining Personal Rate of Return Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/5MX3c-VM-n0?feature=share ------- Watch our previous show, "1-29-26 Market Risks Behind Powell's "Nonrestrictive" Stance," here: https://www.youtube.com/watch?v=1vX2vPQQp28 -------- The latest installment of our new feature, Before the Bell, "Markets Stall at 7,000: Breakout or Bull Trap?" is here: https://www.youtube.com/watch?v=meTHta-tC1o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #RetirementIncome #MarketValuations #SequenceOfReturns #FinancialPlanning

During my recent trip to Australia, I learned that navigating a foreign country can feel normal but different all at the same time. On the one hand, my family and I enjoyed the familiar experiences of being on vacation, such as unplugging from our daily routines, relaxing on a long flight, seeing the sights, and spending time with loved ones. But once we arrived in Brisbane, we had to get used to a new landscape and a new set of rules. The huge time zone difference. Driving a "ute" (utility vehicle) on the left side of the road and overtaking (passing) on the right. Calling "French fries" chips and our friends "mate." Keeping an eye out for wild kangaroos. Retirees may feel like they're facing a similar "familiar but different" financial landscape this tax season. While many of the strategies my team at Keen Wealth are discussing with folks are tried-and-true, some rules and details are changing due to new legislation that's going into effect. Your financial plan, and your financial team, need to be ready to adapt to these new rules so that you don't miss a key deduction and pay more in taxes than you really owe. On today's show, we discuss the One Big Beautiful Bill Act's changes to the tax code and some specific provisions that require thorough proactive planning before you file your taxes in April.

If you’d like to skip over the guys chatting about cold weather and football you can to (8:15). Chris's SummaryJim and I are joined by Jacob as we continue our discussion on asset positioning and explain how we approach managing investment assets within a distribution portfolio. We outline why dollars are assigned based on purpose and timing and how asset positioning functions as a form of asset-liability matching. The episode addresses cash versus cash-like roles, outcome periods, and how specific tools are evaluated within a broader distribution-focused framework. Jim's “Pithy” Summary Chris and I are joined by Jacob as we dig further into how we think about handling portfolios once people are in retirement, specifically through the lens of asset positioning. This episode is built around clarifying how dollars get assigned jobs based on when they'll be needed and why that sequencing drives the structure of a distribution portfolio. We spend time breaking down the difference between cash and cash-like holdings and why that distinction matters when money is earmarked for different time horizons. A big part of the discussion centers on outcome periods, how certain tools behave between start and finish, and why mark-to-market pricing during that window can be misleading if you don't understand what the holding is meant to do. Jacob walks through concrete examples that show how interim movement can look unsettling even when the structure is functioning exactly as designed. We also get into why disclosure language sounds the way it does across virtually every type of holding, including ones most people are comfortable calling cash. The point isn't semantics — it's understanding the gap between legal language and functional role inside a portfolio. Everything ties back to structure, timing, and purpose. This is about how distribution portfolios actually operate in retirement, and why evaluating them with the wrong expectations creates confusion that doesn't need to be there. The post Asset Positioning for Retirees: EDU #2604 appeared first on The Retirement and IRA Show.

Fresno Unified School District Trustees will receive double the amount of pay after the recent passage of a state assembly bill. The pay is increasing from $ 2,100 a month to about $ 4,500 a month. This is a move that has not happened since the 1980’s. Fresno Unified denied allegations made by some retirees in a complaint letter and said that the 2023 health insurance changes do not constitute a loss of benefits or a breach of the collective bargaining agreement. The U.S. Court of Appeals for the Fifth Circuit sitting en banc heard consolidated challenges to Louisiana and Texas laws requiring display of a nonsectarian version of the Ten Commandments in public school classrooms. The Establishment Clause prohibits the government from establishing an official religion or coercing religious practice. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if it's enough for their high-expense life. "Tony and Carmela" are in a similar boat with millions saved at 61 and 59, but they're worried their asset allocation won't get them through their retirement. No matter the numbers, the fears sound exactly the same: will you run out of money in retirement? Turns out overcoming that fear is not about hitting a magic number. We'll find out what it's all about today on Your Money, Your Wealth podcast number 566 with Joe Anderson, CFP®, and Big Al Clopine, CPA. The fellas also spitball Roth conversions, long/short direct indexing capital gains tax strategies for "Juicy Squeeze", working after retirement for Wendi, and how one confusing word can completely change a retirement timing decision for "Jacques and Johana." Free Financial Resources in This Episode: https://bit.ly/ymyw-566 (full show notes & episode transcript) Withdrawal Strategy Guide - free download Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) WATCH 6 Signs You Truly Have "Enough" For Retirement on YMYW TV REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:01 - 43 With $850K. Am I Too Late to Build Enough Roth Money? (Mr & Mrs Smith, Dallas, TX) 11:29 - Nearly $7M Saved at 58 and 64. Do We Have Enough for a High-Spend Retirement? (Lucy & Desi, Jersey Shore, NJ) 23:38 - 61 and 59 With $4.5M Saved. Can I Retire Now With a 50/50 Portfolio? (Tony & Carmela, San Ramon, CA) 32:09 - Mid-50s with $685K Saved. Can One Spouse Retire While the Other Works? (Jacques & Johana, Florida) 38:53 - Are Long-Short Direct Indexing Tax Strategies Worth the Fees? (Juicy Squeeze) 47:04 - Should I Work as an Employee or Contractor After 70 on Social Security? (Wendi) 52:04 - Outro: Next Week on the YMYW Podcast

Gay Retirement Abroad: Why Germany Might Be Better Than the U.S.Imagine a retirement where Pride isn't just a parade once a year — it's woven into everyday life.You walk to your favorite gay café.Your neighbors actually know your name.Your biggest decision of the day is beer by the Rhine… or in your own neighborhood.If you're thinking about retiring abroad, you're not alone — and Germany might surprise you.In this episode of Queer Money, we're breaking down the best German cities for gay retirees, where you can live well, feel safer than in much of the U.S., and potentially retire earlier than you thought — without selling your soul or your Roth.We cover:Affordable, walkable German cities with real LGBTQ+ communitiesWhat life actually feels like for gay retirees in GermanyRent, cost of living, and geo-arbitrage opportunities compared to the U.S.Where Germany shines — and where reality checks matterOur Queer Money Retirement Ratings for each cityCities featured include:HeidelbergDresdenLeipzigCologneMagdeburg (our #1 geo-arbitrage darling)Germany won't sell you a fantasy.But it will sell you stability, dignity, strong infrastructure, and a future that actually works.

What if tax planning—not investing—is your biggest missed opportunity? Jackie Campbell explains new deductions, smarter buckets, and guardrail systems that can elevate your entire plan. From inflation realities to Warren Buffett‑style patience, she reveals how to secure income, reduce risk, and build a retirement strategy rooted in clarity and gratitude. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Slava shares how he retired early and his whole journey to get there. Enjoy.Want to be a guest? → https://vwo3759x8i7.typeform.com/to/gh00JmnZ–––––––––––––––––––––––––––––The statements provided are from individuals who are not clients of Root Financial Partners, LLC. These individuals were not compensated for their comments, and their views do not necessarily reflect those of Root Financial Partners, LLC. The information shared is for informational purposes only and should not be considered a recommendation or testimonial regarding advisory services.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

RV PODCAST NEWS EDITIONEpisode 586 - January 26, 2026Hey everybody, welcome to the RV Podcast News Edition. I'm Mike Wendland, and this is where we cut through the press releases, the hype, and the corporate spin to talk about what is really happening in the RV world.Now, quick programming note. If you are listening to this later in the week, we are watching a massive winter snow and ice storm that has affected campgrounds, travel plans, and even caused park closures across large parts of the country. Winter storm Fern has affected a huge swath of the country, 2,300 miles long, from Texas all the way to the East Coast. Ten states have reported more than a foot of snow. Many areas reported in excess of a half inch of ice. In some areas, an inch was reported, bringing down tree limbs across power lines. Well over a million customers have lost electric power and some may be without it for a week or more because of infrastructure damage and terrible road conditions.And as the snow, ice, and sleet slowly move off the eastern coast today, a massive cold front of arctic air is plunging much of the nation to dangerously cold temperatures. In the south, where temps rarely go below freezing, single-digit readings are being reported this morning.Obviously, this has affected many thousands in the RV Community. Fulltimers, even snowbirds who thought they were escaping the worst of winter in the mod south, are struggling to stay warm and keep the water running.The full affect of this storm is still be assessed but from everything we've been able to learn, RVers in the affected areas are reporting frozen water pumps at many campgrounds, propane shortages in the most affected areas and in some cases, no power. We've had reports from dozens of RVers impacted by the snow and overall, most say they are getting by. Most laid in plenty of bottled water, extra food, and made sure they had full tanks of propane and extra fuel for generators. One RVer - John, who lives in his Alliance fifth wheel in Missouri - said his biggest challenge was all the snow and ice piled on top of his slide out. He says the frigid air behind the snow isnt going to allow much melting and he is planning to get a ladder to clear the snow off.In Arkansas, a full-time couple - Sarah and Jim - said they wish they followed their friend's advice to haul their Jayco south towards Florida. “We have gone through two tanks of propane so far and the roads are so bad we can't get out to get them filled.” Her campground still has electricity but she said the lights have flickered and she expects she'll have to switch to generator power as the ice on the power lines is not melting.Perhaps the best assessment came from Ted, a Tennessee fulltimer, who lives in a fifth wheel on his own property along the Tennessee River.. “Most of us know what to do,” he said. “We can handle a week without power. We have a full fresh water tank and I have a 100 gallon propane tank to supplement the tanks in our rig. So we're dressed in heavy clothes and have extra blankets on the bed. This too shall pass.”Let's hope soon.Sop the storm dominates the RV news this week. But coming up, RVers are demanding a real voice with manufacturers, not a hand-picked group of industry insiders, and the response to that idea has been overwhelming.We will look at why campground reservations feel harder than ever to get, even as more parks are built. We will take a closer look at what is really happening in state parks, where long overdue upgrades are coming with some real tradeoffs. We will talk about used RV prices finally settling back toward reality.And we will have a little fun calling out how RV manufacturers keep copying each other's ideas, sometimes so closely it is honestly laughable.Before we get started…. a quick word about the RV Lifestyle Community at RVCommunity.com.If you are tired of ads, algorithms, and social media drama, this is different. It is a private, ad free community built by RVers, for RVers. Real conversations, real advice, real friendships.It is social media the way it SHOULD be.Learn more at RVCommunity.com.STORY 1 — It's Time RVers Had a Real VoiceFor years now, RVers have been talking among themselves about what is wrong with today's RVs.Too many quality issues. Too many poorly designed floorplans. Too many features that look great on a showroom floor but fail miserably in real life.And too often, it feels like no one in the industry is really listening.That thought hit home last week after a listener sent us a message that stopped us cold. He asked a simple but powerful question.Why don't RVers have a direct voice with manufacturers?With massive consolidation among RV manufacturers and dealers, buyers now have fewer real choices than ever before. You walk onto a mega dealer lot and see hundreds of rigs, but when you look closer, many are variations of the same designs, built by the same corporate parents, with the same lingering quality concerns.For many people ready to buy, the problem is not just price.It is confidence.They do not see the RV they actually want. And they are afraid to buy because of what they hear about reliability and workmanship.That is a terrible place for any industry to be.So it raises a bigger question.Who is speaking for real RVers?Right now, manufacturers mostly hear from dealers, sales teams, investors, and marketing departments.What is missing?Us.The people who actually live in these RVs. The ones who discover what works and what fails after thousands of miles of potholes, rainstorms, campground hookups, and real world use.Most feedback today is scattered across Facebook groups, YouTube comments, and forums. Thoughtful insights get buried in noise.That is not a system designed to build better RVs.It is a system designed to build frustration.So here is the idea that sparked a huge response.What if RVers spoke with one clear, organized, constructive voice?Imagine a live, moderated RVer Town Hall. Not a complaint fest. Not a shouting match. A serious conversation where experienced RVers present real world recommendations to manufacturers.Full timers and part timers. Fifth wheels and motorhomes. Retirees, families, weekend travelers.Talking about what actually matters.Build quality. Smarter layouts. Easier maintenance. Durability over decoration. Designs that match how people really camp.If structured properly and promoted well, manufacturers would pay attention. When customers speak thoughtfully and collectively, industries listen.Before we build anything like this, we want to hear from you.If you had five minutes with RV executives and engineers, what would you tell them?Not angry rants.Real ideas.Leave us a voicemail or send us an email at RVPodcast.com. We may feature your ideas on the podcast and use them as the foundation for a future live RVer Town Hall.This is not about tearing down manufacturers.It is about helping them build RVs that truly serve the people who buy them.Because the best RVs will not be created in boardrooms alone.They will be created when real RVers are finally heard.TRAVEL PLANNING WORKSHOP PROMOBefore we move on, a quick reminder.On February 5, I am hosting a live RV Travel Planning Workshop. This is where I walk you through how to plan smarter routes, find better campgrounds, avoid common mistakes, and build trips that actually match how you want to travel.It is practical, hands on, and you will walk away with a plan you can use immediately.Details and registration are available through our site, and I would love to have you join me.STORY 2 — Campgrounds Are Expanding, But Reservations Are Tighter Than EverHere is something RVers keep asking.If more campgrounds are being built, why does it feel harder than ever to get a reservation?On paper, things look good. New private parks are opening. Existing parks are adding sites. States are investing in infrastructure.But in practice, availability feels tighter than ever.RVers are traveling more often and staying longer. More parks are shifting toward monthly and seasonal stays for predictable income. Reservation systems make booking easier, but also more competitive.The result is a paradox.More campgrounds exist. But fewer open dates feel available.For RVers, this means planning earlier, being flexible, and sometimes looking beyond the most obvious destinations.STORY 3 — State Parks Are Upgrading, With Strings AttachedState parks are getting long overdue upgrades.New electrical systems. Rebuilt bathhouses. Extended sites for larger rigs.But these improvements come with tradeoffs.California has seen higher fees and reservation windows that fill in minutes. Florida has fewer first come, first served sites. Michigan's modernization brings 50 amp service and sewer hookups, but also higher nightly rates and tighter booking rules.Better infrastructure. Higher costs. Less spontaneity.State parks are still incredible values, but the old days of pulling in on a whim are fading fast.STORY 4 — Used RV Prices Are Finally Coming Back to EarthUsed RV prices continue to soften.Inventory is up. Buyers are cautious. Dealers are negotiating again.But buyers are selective.Condition matters. Maintenance records matter. Build quality matters.This shift is healthy. Confidence is returning, and patience is finally being rewarded.STORY 5 — Manufacturers Keep Copying Each Other, And It's Getting ObviousNow let's have a little fun, because this is one of those things you cannot unsee once you notice it.RV manufacturers love to talk about innovation.But if you walk a major RV show floor, you quickly realize how much copying is really going on.Case in point, the dinesk, that combination dining area and desk that slides, expands, and adapts depending on how you are using it.It was a standout feature in Brinkley RV models, clever, functional, and genuinely useful for how people live and work on the road.Fast forward to the Tampa RV SuperShow.Suddenly, a new Montana ad is showcasing a remarkably similar setup. And Winnebago rolls out a new towable with a nearly identical movable desk and dining combo.Coincidence? Not likely.And here is the part that makes industry veterans chuckle. Brinkley itself has been told that their dinesk concept resembles a similar idea introduced years ago by another fifth wheel manufacturer.In other words, the copying goes back generations.This is how the RV industry often works. One company takes a risk. Others watch carefully. And once the market responds, suddenly everyone has their own version.Sometimes that is healthy competition.But other times, it leads to stagnation. Instead of improving the idea, manufacturers simply replicate it, sometimes poorly, sometimes without understanding why it worked in the first place.The real opportunity here is not copying.It is listening.RVers know what features actually improve life on the road. They know what gets used every day, and what becomes a gimmick by the third trip.If manufacturers spent more time listening to real RVers and less time copying the rig across the aisle, innovation might actually mean something again.CLOSINGWhen you step back and look at all of this together, a pattern emerges.RVers want better built rigs. They want campgrounds they can actually access. They want state parks that balance upgrades with affordability. And they want to be heard.The RV lifestyle is thriving, but growth brings pressure. How the industry responds now will shape the next decade of RVing.Thanks for listening. We'll be back Wednesday with another Stories from the Road episode.

For single retirees, Social Security isn't just another filing decision. It's the foundation of the entire retirement income plan. In this episode, we explain why claiming decisions matter more when there's no spouse, no survivor benefit, and no backup income stream. We walk through the four filters we use with single clients, including prior marriages, life expectancy, retirement income needs, and the tradeoffs between delaying Social Security and drawing from investment assets. We also discuss the emotional side of these decisions—fear of running out of money, fear of dying too early, and the pressure of making irreversible choices alone. This episode isn't about finding the "perfect" strategy. It's about building a plan you can stick with, even when markets and assumptions don't cooperate. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

FREE One Year Retirement Checklist: https://bit.ly/RTchecklist Most retirement regrets don't come from failure... they come from playing it too safe. This episode explores the top five regrets shared by retirees in their 70s and 80s, including letting their health decline, avoiding discomfort, shrinking their dreams, and losing connection with people who mattered. If you're still in the early or middle stages of retirement, this is your chance to learn from their hindsight and make different choices now. #retirement_transformed #retirementcouple #retirement BUY MARK'S BOOK! The Evolving Man: Life Virtues Men Don't Talk About USEFUL FINANCIAL TOOLS https://geni.us/new_retirement Use this link for a FREE 14 Day Trial! [Get the FREE Downsizing Guide] How to prepare to downsize your home CONNECT: Engage in our Free Facebook Community ✔️ Facebook: https://www.facebook.com/retirementtransformed ✔️ Instagram: https://www.instagram.com/retirementtransformed ✔️ LinkedIn: https://www.linkedin.com/company/retirementtransformed ✔️ Amazon Shop: https://www.amazon.com/shop/retirementtransformed ABOUT RETIREMENT TRANSFORMED Husband and wife duo, Mark & Jody Rollins, inspire and serve as personal guides to meaningful, transformational journeys for individuals who are planning for, going through or are living in retirement. This is everything in retirement beyond your financial plan. We are not financial advisors or medical experts. Any advice we give is our own and should not be taken as professional advice. This video is for informational and entertainment purposes only. Please seek professional assistance before making any financial decisions or changes that can affect your physical or mental health. FTC: Some links mentioned above may be affiliate links, which means we earn a small commission if you buy a product from the specific link. This video is not sponsored. All Content and video segments are the copyright and owned by ©Retirement Transformed and cannot be used without permission.

If you're newly retired or will join the ranks soon, it's time to think about how you plan to spend your nest egg. Morningstar researchers are helping new retirees figure out where to begin. The recently published State of Retirement Income report concluded that the starting safe withdrawal rate for people beginning their retirement in 2026 is 3.9%. That number might appear low. However, the team has analyzed several strategies to lift it to almost 6%. Morningstar portfolio strategist Amy Arnott has investigated the data and joined the podcast to explain flexible withdrawal strategies.How Much Can You Spend in Retirement? Here's Your Starting Safe Withdrawal Rate for 2026  https://apple.news/ALEEtAf1FTAm7WUFGvYvXVQOn this episode:00:00:00 Welcome00:01:26 Understanding the 3.9% Safe Withdrawal Rate00:02:33 How Flexible Strategies Lift Withdrawal Rates Up to 5.7%00:03:48 Flexible Approaches for Retirees Seeking Predictable Paycheck-like Income00:05:40 Inside the Vanguard Dynamic Spending Method00:07:15 Highest Lifetime Spending & Highest Starting Safe Withdrawal Rate00:09:20 Leaving a Legacy and Strengthening Your Portfolio00:14:30 4 Financial To-Dos to Kick Off the New Year Watch more from Morningstar:Beyond AI: Are Quantum Stocks the Next Big Thing in Tech Investing?How to Generate Steady Income in 2026All in on Magnificent 7? Where You Should Invest Next Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

117 How to Think Like an Investor When Buying Your Home | David Cinelli (Top 1% Realtor Explains)   The Entreprenudist Podcast  https://entreprenudist.com Buying a home isn't just an emotional decision, it's a financial one. In this episode, David Cinelli, one of Canada's top 1% Realtors, breaks down how to think like an investor, even when purchasing your primary residence. David also exposes what most real estate agents get wrong about the Toronto market, how buyers fall into common traps, and what you can do to avoid costly mistakes. Finally, we explore why real estate remains one of the smartest ways to build long-term wealth when done the right way. Whether you're a first-time buyer, investor, or homeowner planning your next move, this conversation delivers insights you can actually use. --------------------- About David David Cinelli is not your average Realtor®. He's one of Canada's top-performing real estate professionals ranked in the top 1% nationwide with nearly two decades of experience helping clients buy, sell, and build wealth across Toronto's high-stakes property market. Known for blending data-driven insights with magnetic personality, David brings clarity, strategy, and energy to one of life's biggest financial decisions. With an MBA, a background in mathematics and marketing, and a deep understanding of Toronto's ever-evolving market, David helps buyers, sellers, and investors navigate complexity with confidence. He's also a familiar face on national television as a co-host of HGTV's Hot Market, where he showcases Toronto's top listings and teaches millions about the power of real estate investing. ---------------  About the Host:  Randolph Love III is the Founder and CEO of ShieldWolf Strongholds, where he helps Franchisors, CPAs, Attorneys, Doctors, Realtors, Contractors, and other Business Owners, Entrepreneurs, Home Owners, and Retirees, secure lasting financial legacies.    He is also a trusted franchise consultant, author of the book The Miracle Money Vehicle: How To Make Money Make Babies, and host of The Liquidity Event, a premier gathering on business growth, financial independence, and legacy planning.    As host of The Entreprenudist Podcast, ranked in the Top 10% worldwide by ListenNotes.com, Randolph shares bold, practical insights that challenge traditional thinking. A sought-after speaker, his dynamic style empowers audiences to reduce taxes legally, grow wealth strategically, and take control of their financial destiny.   Additionally, he is also the publisher of The Liquidity Journal, a dynamic publication for business owners, entrepreneurs, executives, retirees, and investors. Focused on leadership, strategy, systems, and motivation, it delivers actionable insights that empower readers to grow, lead, and innovate in today's business world

If you want to miss all the fun banter about Jim's Singo (song bingo) night and his trip to Kentucky and Amish country you can skip ahead to (16:00). Chris's SummaryJim and I are joined by Jacob Vonloh as we discuss investing for retirees, using a listener email as the starting point for a broader conversation about how investment advice and asset management work in practice. We explain why investing changes once people move from accumulation into distribution, including differences in risk tolerance, liquidity needs, and volatility. Jacob outlines how investment tools are evaluated based on time horizon and downside exposure rather than labels. We also discuss planning for aging and long-term care costs, including liquidity needs, inflation considerations, and the SEAL (Savings for Emergencies, Aging, and Long-Term Care) reserve framework. Jim's “Pithy” SummaryChris and I are joined by Jacob Vonloh as we start a new series of conversations inspired by listener emails, and we use those questions as a jumping-off point to talk about what really changes when you're investing in retirement. A lot of DIY investors successfully built wealth with an accumulation mindset and then try to carry that same approach into retirement, where it doesn't work. The problem is that accumulation investing and retirement investing are not the same thing, and pretending they are is where people get themselves into trouble. Once withdrawals begin, volatility feels different, timing matters more, and the emotional impact of market swings gets amplified in ways people don't expect. We spend time pulling apart how the investment advice industry presents itself, how fee structures are typically layered in, and why we're very intentional about separating retirement planning from asset management. Jacob walks through how we evaluate investments based on when the money might be needed and how much downside someone can realistically tolerate. Buffered ETFs come up in that context, not as a recommendation, but as a clean example of how downside protection and upside caps reshape risk. The point isn't the product — it's that comparing retirement-stage tools to a fully unbuffered equity index without adjusting for risk is fundamentally misleading. From there, we connect investing back to real planning issues retirees face, especially aging and long-term care. We talk about why insurance isn't always available or sufficient, how covering one spouse can still protect a household, and why the financially hardest stretch is often when both spouses are alive and care costs begin to show up. That leads into how we think about liquidity, inflation, and time horizon working together inside what we call the SEAL reserve. This isn't about chasing returns — it's about structuring money so it can actually support people through retirement without forcing panic decisions at the worst possible time. The post Investing for Retirees: EDU #2603 appeared first on The Retirement and IRA Show.

Author Jesse Hurst explains how retirement planning helps reduce the guesswork of retiring through his book “PopEnomics”. A lot of people approach financial planning with one big fear: that it's going to feel restrictive. Budgets. Rules. Spreadsheets. Being told what you can't do with your money. But in this episode of Retire Today, I sat down with Impel Wealth Management president and author of “PopEnomics”Jesse Hurst to talk about why that assumption gets things exactly backward — and how the right kind of planning actually creates freedom. As Jesse put it early in our conversation, “A lot of people think financial planning is very constrictive… and I think it's exactly the opposite. I think it's very freeing.” Why Guessing Is the Default (and the Problem) Most people don't lack motivation. They lack clarity. Jesse explained that many retirees have vague hopes rather than defined goals. “Someday I want to retire and live a comfortable life,” sounds nice — but it's not a plan. Without specifics, people end up guessing on some of the most important decisions of their financial lives. How much should I save?Should I prioritize paying off the mortgage?Is Roth or pre-tax better for me?Am I saving enough — or too much? Without a defined target, people default to hearsay. “My coworker did this.” “I read an article that said 8% is enough.” That's not planning — it's outsourcing your decisions to someone else's guess. Why Stories Stick When Numbers Don't Jesse has a way with analogies. By tying retirement planning ideas to pop culture — music, movies, and familiar stories — he finds people actually remember them. During the COVID period, Jesse began using pop-culture analogies more intentionally. One comparison between Federal Reserve policy and the movie Animal House took off online — and made him realize he'd found a powerful teaching tool. That insight ultimately led to his book PopEnomics, where retirement planning meets rock anthems, movie classics, and everyday analogies. Access to Information Isn't the Same as Wisdom One of the most important observations Jesse shared came from reflecting on his decades in the profession. Early in his career, the challenge was simply educating people about what options existed. Today, the challenge is the opposite. “There's a big difference between access to information and the wisdom to apply it,” Jesse said. Retirees today are overwhelmed with data — articles, headlines, opinions — but often still unsure what applies to them. That's where planning shifts from information to interpretation. The Retirement Puzzle Jesse described retirement planning as a puzzle — one where each piece matters. You can't decide how to invest if you don't know when you'll retire.You can't know how much risk to take if you don't know when you'll need the money.You can't spend confidently if you don't know whether your income supports it. One story he shared involved a couple who lost track of where they stood financially after COVID, inflation, and market volatility. Using an airport analogy, Jesse explained, “If you don't know where you are, you can't figure out how to get to your gate.” Clarity begins with knowing your starting point. The Saver's Mindset — and the Permission Problem Many people who retire successfully built wealth through discipline — spending less than they earned, avoiding debt, and saving consistently. But those same habits can make it emotionally difficult to switch from accumulation to spending. As Jesse explained, “They have a hard time giving themselves permission to spend.” He shared a powerful story of longtime clients who had ample income and assets — but struggled to enjoy them. The breakthrough came when they realized that if they didn't use their money intentionally, someone else eventually would. That shift — from fear to permission — is often one of the most important transitions in retirement. The Bottom Line Financial planning isn't about restriction. It's about clarity. When you know what you're saving for, what you've already done, and what your money can support, decisions become easier. Spending becomes intentional. And retirement becomes something you can enjoy — not just hope works out. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Create Your Retirement Master Plan in 5 Simple Steps Jesse Hurst on LinkedIn Impel Wealth Management PopEnomics.com  PopEnomics: 12 Relatable (and Not Boring) Pop Culture Insights for Retirement Success Jesse Hurst on YouTube Jesse Hurst on Instagram Jesse Hurst on X Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

These are 6 of the top headlines in military news. NOTE: All persons are innocent until proven guilty in a court of law.  John Mwangi out of Fort Hood plead guilty to murdering his wife, Sgt Esther Gitau Veteran Tyler Linn charged with target parking lot murder of Matthew Traywick PO3 Taylor Lomax is charged with double homicide of sailors Noely Makenda and Jordyn Forrestier out of NAS Jacksonville Army Retiree Andrew Dykes was charged with 30-year cold case previously tied to Gilgo Beach Serial Killer (victim: Tanya Jackson) Suspected serial killer, Fernando Cota, to be disinterred from Veteran's Cemetery  Veteran and former leader of Idaho American Legion, Charles Abrahamson, is charged with fraud for allegedly diverting over $1.45 million in funds ⸻

After years of research searching for the perfect retirement community, Judy found Woodside. She visited the Villages, Del Webb, and so many others that she found didn't fit what she was looking for - other active retirees of similar age. Now she's IN LOVE with retirement and shared her entire story with me on my show, Retirement Reality. This NOT a paid advertisement. If you wish to reach out for a Discovery tour of Woodside, you can email David directly at dseawell@woodsidecommunities.com and if you let him know you found him through my channel, he'll make sure to treat you well!I'm flying from Los Angeles to Aiken, South Carolina to visit the Woodside community next month myself to do a full review of the community (similar to a restaurant review, but for retirement communities)!Is there a retirement community you're excited to go to? If so, let me know in the comments and I'll add them to my list of communities to review!For Judy, early retirement comes down to one word: choices. At 57, two years into life after work, she wakes up with the freedom to choose slow mornings, long walks, golf leagues, pickleball lessons, and spontaneous trips.Her plan was always early retirement at 55, and she never lost sight of it... even when fear, routine, and the temptation of “one more year” crept in.She shares how she built her “superhero account,” prepared for healthcare, learned to balance enjoying today with planning for tomorrow, and embraced the courage to leave a career she liked for a life she loves.Want to be a guest on THIS show and help others by sharing your story? Complete this: https://vwo3759x8i7.typeform.com/to/gh00JmnZ –––––––––––––––––––––––––––––Judy is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. Her statements reflect her own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offereCreate Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Most retirement advice is designed for married couples. But planning for retirement when you're single comes with a very different set of risks and decisions. In this first episode of a five-part series, we explain why retirement planning changes when there's no spouse to share income, benefits, caregiving, or decision-making. We define what "single" really means in retirement, explore the lack of financial and personal backup, and outline how this affects Social Security, taxes, investment risk, long-term care, and estate planning. This episode isn't about tactics. It's about mindset. When you're planning alone, the goal isn't perfection. It's resilience. In Part 2, we begin with Social Security, the foundation for many single retirees. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Spencer and Jamie break down the 10 core principles of Bogleheads investing and show how military service members can apply this simple, low-cost approach to build wealth through the TSP and other accounts. If you're overwhelmed by investing advice or tempted by day trading and crypto, this episode cuts through the noise with a proven strategy that's worked for decades. Hosts: Spencer Reese (former Air Force pilot, 12 years active duty) and Jamie (active duty officer) The 10 Bogleheads Principles Develop a workable plan - Create an investment policy statement (even informal) to guide decisions during market volatility Invest early and often - Automate contributions to remove decision fatigue; increase TSP allocation today Never bear too much or too little risk - Age-appropriate asset allocation; avoid the old G Fund default trap Diversify - Don't put all eggs in one basket; TSP funds cover entire US market plus international exposure Never try to time the market - Time IN the market beats timing the market; market dropped 19% in April 2025, now up 38% from that low Use index funds when possible - TSP offers five low-cost index funds; 90% of active managers can't beat index funds over 20 years Keep costs low - TSP expense ratios under 0.1%; avoid predatory companies charging 1-2%+ fees Minimize taxes - Leverage Roth TSP and Roth IRA; military tax advantages (BAH, BAS, combat zone exclusion) Invest with simplicity - LADS approach (Low-cost, Automated, Diversified, Simple); Warren Buffett's S&P 500 bet crushed hedge funds Stay the course - Measure performance in decades, not days/weeks; don't panic sell during downturns Key Takeaways Why Bogleheads Philosophy Works for Military: Takes power back from financial advisors and complex products Simple enough anyone can succeed with minimal effort Perfect match for TSP's low-cost index fund structure Removes emotion from investing decisions TSP Advantages: Five index funds (C, S, I, G, F) cover nearly entire investable market Lifecycle funds automatically balance risk by retirement year Expense ratios under 0.1% (incredibly low) Now defaults to lifecycle funds instead of G Fund (huge improvement with Blended Retirement System) Common Military Investing Mistakes: Old G Fund default trap - cost retirees millions in missed gains Trying to time the market or day trade Paying high fees to predatory companies Not automating contributions Measuring performance over days/weeks instead of decades The Math That Matters: First $100K took Spencer 4+ years; second $100K took 2 years (compound growth accelerates) Market will drop 30% in next 10 years (guaranteed) - but timing it is impossible S&P 500 gained 125% over 10 years vs. best hedge fund's 87% in Warren Buffett's famous bet April 2025 market drop: 19% down, then 38% up from that low within months Diversification Made Easy: C Fund: 500 largest US companies (S&P 500) S Fund: ~2,000 smaller US companies I Fund: 5,000+ international companies (20+ developed + emerging markets, excludes China/Hong Kong) Combined: Total US and international market exposure Add VXUS in Roth IRA for China/Hong Kong exposure if desired Automation is Your Friend: Log into MyPay once, increase TSP allocation, never think about it again Every promotion or time-in-grade raise = bump allocation by 1% One decision removes 100 future decisions Eliminate decision fatigue and emotional reactions Fee Impact Example: Predatory companies charge 1-2%+ fees TSP: Under 0.1% Fidelity FZROX: 0% expense ratio Vanguard funds: 0.03% Rule of thumb: Stay under 0.25%, ideally under 0.10% Resources Mentioned Books: "The Little Book of Common Sense Investing" by Jack Bogle "The Military Money Manual" by Spencer Reese (available at MWR Library, Libby app, Amazon) Investment Accounts: TSP (Thrift Savings Plan) - Military 401k Roth TSP and Roth IRA (tax-advantaged accounts) Recommended brokerages: Fidelity, Vanguard, Schwab Key Terms: LADS: Low-cost, Automated, Diversified, Simple Index fund vs. active management Expense ratio and basis points Asset location strategy Investment Policy Statement Previous Episodes Referenced: TSP deep dives (search podcast) Roth TSP vs. Roth IRA explanations "Do Better" episode on predatory companies Real-World Examples Lieutenant with $50K in checking account - proves military pay allows saving, just need to invest it Service member paid off all auto and student loans in 3 months of deployment Retirees with $250-500K in G Fund who missed out on millions Enron, WorldCom, Lehman Brothers - why diversification matters MicroStrategy (MSTR) - current example of concentrated risk Who This Episode Is For Military service members at any rank TSP participants unsure how to invest Anyone tempted by day trading, crypto, or "get rich quick" schemes New investors overwhelmed by options Service members paying high fees to financial advisors Anyone who wants a simple, proven wealth-building strategy Quick Action Steps Log into MyPay and increase TSP allocation (even 1% helps) Verify you're in appropriate Lifecycle Fund (birth year + 60-65 years) NOT in G Fund unless near retirement Set automatic annual increases (1% per year) Open Roth IRA at Fidelity, Vanguard, or Schwab Read "The Military Money Manual" (free at base library) Stop checking account daily - check quarterly at most Contact Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Book: "The Military Money Manual" (Amazon, $3 Kindle, free at MWR libraries) The Bogleheads philosophy has helped millions become millionaires through simple, low-cost index fund investing. As a military service member, you have access to one of the best low-cost investment vehicles in the world - the TSP. Stop overthinking it, automate your investments, and stay the course.