Podcasts about retirees

105 From Navy Vet to Multi-Industry Investor: Marcus Norman Reveals Wealth Strategies That Work The Entreprenudist Podcast https://entreprenudist.com Welcome to another game-changing episode of The Entreprenudist Podcast, the show where real entrepreneurs and business owners tell their stories with transparency, strategy, and truth. In this episode, we sit with Marcus Norman, a Navy veteran turned multi-industry investor known for his expertise in: -House Hacking -ATM Business Ownership Real Estate Investing -Starting a Business vs Buying a Franchise -Growing a Successful Podcast -Investing in CBD & Hemp -Understanding What Makes Money, Not Hype Marcus breaks down: -How he went from a five-bedroom liability to cash-flowing real estate -The mindset shift that separates successful investors from those stuck in analysis paralysis -How to truly understand how an investment makes money -Why working with experts is not optional His personal journey from the Virgin Islands to the military… and into wealth creation

Kevin Brucher discusses the emotional challenges retirees face in the stock market, emphasizing the importance of emotional control and strategic investing. He explores various investment strategies, including rules-based approaches and the role of annuities in providing safety. The conversation also covers the significance of creating a comprehensive income plan for retirement, the potential of the AI and tech sector, and the need for investors to manage risk and emotions effectively. Brucher highlights the importance of patience in investing and the inevitability of market volatility, encouraging listeners to prepare for future uncertainties while maintaining a long-term perspective. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

104 Startups Beware: The Legal Traps Every Founder Faces |  Matthew Fornaro, P.A.   The Entreprenudist Podcast https://entreprenudist.com Running a business without understanding the law is one of the biggest risks an entrepreneur can take. In this episode of The Entreprenudist Podcast, we sit down with Matthew Fornaro, attorney and founder of Matthew Fornaro, P.A., a law firm dedicated to helping businesses, entrepreneurs, and startups navigate complex legal challenges. Matthew breaks down the essential protections every business owner needs, the silent legal threats entrepreneurs overlook, and the costly mistakes that can derail your entire company. In this episode, you'll learn: ✔️ The most common legal risks startups face ✔️ Why solid contracts protect your business more than you think ✔️ Intellectual property basics every founder should understand ✔️ Partnership and equity pitfalls to avoid ✔️ Compliance issues that can quietly sink a business ✔️ When to hire a lawyer and the right questions to ask Whether you're launching a new venture or scaling a growing business, this conversation is packed with practical legal guidance to keep your company protected and future-ready.

Learn what more than 100 successful Canadian early retirees did differently to make life after work sustainable. Joe Curry breaks down the income systems, bridge strategies, CPP and OAS timing, and flexible RRSP/RRIF withdrawal strategies that turn a portfolio into a reliable retirement paycheck—especially if you're thinking about retiring before 60.   Resources Original YouTube video: I Analyzed 100 Early Retirees in Canada - Here's What Worked — on the Retirement Planning Simplified YouTube channel Ep #134 – Smart Tax Strategies for More Efficient Retirement Planning Covers withdrawal order, OAS clawback, and tax-efficient retirement income in more depth. Ep #123 – Maximize Your RRIF: Tax-Smart Withdrawal Strategies for Retirees Practical guidance on RRIF withdrawals and minimizing tax in later retirement. Ep #157 – How to Delay CPP to Age 70 Without Sacrificing Retirement Income Shows how to bridge income so you can delay CPP for higher, inflation-indexed benefits.   Thank you for listening! You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog  Don't forget to like, comment, and subscribe for more simplified retirement planning insights!    Ready to take the next step?  Identify your retirement income style with the RISA questionnaire at  https://account.myrisaprofile.com/invitation-link/88QG1TMQ12   Want a retirement plan that adapts as your life evolves? Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement. Learn more here: https://matthewsandassociates.ca/vsl/   About Joe Curry Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.  You can reach out to Joe through: LinkedIn: https://www.linkedin.com/in/curryjoe Website: https://www.retirementplanningsimplified.ca/ Website: https://matthewsandassociates.ca/vsl/   About Retirement Planning Simplified Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure. To know more about RPS you can visit the links below: LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/ Instagram: https://www.instagram.com/retirement_planning_simplified Podcast/Blog: https://www.retirementplanningsimplified.ca/blog Youtube: https://www.youtube.com/@retirementplanningsimplified       Disclaimer Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

This week, Angela discuss the real value of a million dollars in retirement and how to approach financial planning in a personalized way. She emphasizes that financial advice should not be cookie-cutter and must consider individual circumstances, risk tolerance, and future goals. Key Takeaways

You've heard of Baby's First Christmas, but what about Retiree's First Christmas? Your first holiday season after leaving the workforce is a milestone all its own. The schedule, the spending, the traditions… everything feels a little different. On this episode, we'll talk about what to expect and how to navigate the differences this year and beyond. Contact: Great Lakes Retirement Website: http://www.greatlakesretirementsolutions.com/ Call: 989-401-2949

When it comes to paying taxes, many people think that owing as little as possible come April means they've beaten Uncle Sam.Well, it's true they may have won the battle, but with that kind of shortsighted thinking, they may not win the war, so to speak.The goal in tax planning is not only to pay fewer taxes in any given year, but to pay as little as possible throughout your lifetime. And sometimes that means paying more now to save later. Welcome back to The Retirement Fix, a monthly podcast for less stress and more success in your go-go retirement years. I'm your host, John Gigliello, a CERTIFIED FINANCIAL PLANNER™ with the Albany Financial Group and I'm here to be your guide to keeping more of your hard-earned money by making smart financial decisions in retirement. This podcast is for people nearing or in retirement who want to learn more about proactive tax planning, retirement income planning, social security timing, investment management and asset preservation.  After a life-altering health issue at age 39, my calling in life became clear: To share my knowledge of personal finance with people who are looking to make smart and responsible choices with their money.Today I'm going to talk about year-end tax planning strategies and why sometimes paying more, not less, can be the key to long-term success.I like to say that most people are “allergic” to pre-paying taxes, but it really does make sense for some people, in specific circumstances to consider accelerating income, and therefore pay taxes earlier than they might otherwise be due.This is the time of year when I meet with many of my higher net worth clients for proactive tax planning. We examine their recent, current and projected future income and its tax implications. We then determine what strategies might save them tax dollars now and in the future.Proactive tax planning is different from tax preparation and involves analysis that takes into consideration all aspects of a client's financial picture, with the results being unique to each client and their specific situation.Year-end tax planning accomplishes a couple of very important things.First of all, it helps clients avoid any tax surprises in April. By understanding their current tax situation, in relation to the current tax laws, they can plan ahead for any liabilities by adjusting withholdings or making quarterly estimated payments.But a bigger part of tax planning strategy has to do with timing income such as IRA withdrawals and Social Security benefits to take advantage of low tax rates whenever possible and that's what I want to focus on today. If you stick around to the end, I'll also offer a few tax planning tips that most people should consider before year-end.One of the services I offer high net worth retirees is proactive tax planning. We review anticipated income, from all sources, each year and employ strategies to help clients make the most of their hard-earned money. If this sounds like something from which you could benefit, reach out to us. You can find more about the services we offer at www.jgigliello.com. 

Why do some retirees absolutely thrive in Hot Springs Village — while others struggle?In this episode of Hot Springs Village Inside Out, I break down four proven retirement strategies that consistently lead to happiness, stability, and purpose after age 60 — all based on real stories from Village (and soon-to-be) residents. Whether you're planning to retire soon, already retired and looking for more fulfillment, or simply exploring whether Hot Springs Village might be right for you, this episode offers a practical, people-tested roadmap. 1. How lowering financial pressure increases daily joyAnd why Hot Springs Village's predictable lifestyle, low taxes, and reasonable housing costs make this easier. 2. Why a cash-flow-first retirement works beautifully hereMany residents say they live comfortably on a predictable monthly income — and let their investments grow untouched. 3. Why purpose is essential after 60And how HSV makes purpose easy to find through clubs, volunteering, recreation, churches, hobbies, and community involvement. 4. Why community isn't automatic — but in HSV, it's easier to buildRetirees form new friendships quickly thanks to the Village's culture of connection and neighborliness. Why Hot Springs Village? It's not just a retirement destination. It's an environment designed to support a healthier, happier, more intentional life after 60. • Join Our Free Email Newsletter • Subscribe to Our YouTube Channel (click that bell icon, too) • Join Our Facebook Group • Support Our Sponsors (Click on the images below to visit their websites.) __________________________________________ __________________________________________ __________________________________________

December 9, 2025 ~ Ron Beeber, Delphi Retiree Association Member discusses the continued fall out from losing their pension. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Trying to decide whether to keep your employer's retiree health plan or switch to Medicare Supplement once you hit Medicare? In this episode, we break down the real differences between Retiree Health Coverage and Medicare Supplement, what they cost, how they protect you, and how stable they are in the long term. Get clear, straightforward guidance to help you choose the coverage that delivers the best value, flexibility, and peace of mind in retirement.

Are you unknowingly sabotaging your retirement with “spendophobia” or hidden Medicare costs? In this episode, Steve Anzuoni reveals the surprising traps retirees face, from the two-year Medicare premium lookback to the fear of spending hard-earned savings. Discover practical strategies like the “four buckets” approach, how to create your own pension, and why personalized advice beats one-size-fits-all plans. Whether you’re planning, retiring, or already retired, this episode delivers eye-opening insights to help you spend confidently and enjoy the retirement you deserve. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

In this episode of Think Smart with TMFG, Mike Connon and John Iaconetti, Financial Advisors at The McClelland Financial Group of Assante Capital Management, discuss common estate planning mistakes and practical strategies for Canadians. They explore why having a properly structured will, appointing executors, and setting up powers of attorney are critical for a smooth estate transfer and for protecting your family. They also highlight the risks of dying without a will, including the government dictating how assets are distributed, potential family disputes, and delays caused by non-liquid assets, like cottages or other properties. They emphasize the importance of beneficiary designations, insurance strategies, and ensuring liquidity in your estate to manage taxes and unexpected costs efficiently. Ultimately, they stress the importance of documenting decisions and communicating with family members to prevent ambiguity, safeguard relationships, and alleviate stress for loved ones. They explain that a will and a power of attorney are separate tools, each with specific roles, and that acting while in full capacity is essential to avoid future complications. Careful estate planning is not just about money; it's about protecting your family, preserving your legacy, and ensuring peace of mind. If you would like guidance on creating an estate plan tailored to your specific situation, please request a meeting here: Schedule your meeting here. Follow us on our social channels: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

December 8, 2025 | Season 7 | Episode 45We trace how a weak yuan powers China's record trade surplus despite tariffs, and why history with Japan's yen still shapes today's strategy. We map the U.S. pivot to talent and capital, the odds of a hawkish Fed cut, retiree tax moves for 2025, and two stock spotlights: Weyerhaeuser and Apple.• China's $1T trade surplus and currency dynamics• Tariff rerouting through Southeast Asia, Mexico and Africa• Lessons from Japan's Plaza Accord and export pricing• U.S. advantages in capital access, education and innovation• Market setup into the FOMC and earnings week• Retiree tax planning: RMD timing, QCDs, medical deductions• Weyerhaeuser asset value versus depressed earnings• Apple's measured AI path, privacy focus and partnershipsThis podcast is available on most platforms, including Apple Podcasts and SpotifyFor more information, please visit our website at www.heroldlantern.com** For informational and educational purposes only, not intended as investment advice. Views and opinions are subject to change without notice. For full disclosures, ADVs, and CRS Forms, please visit https://heroldlantern.com/disclosure **To learn about becoming a Herold & Lantern Investments valued client, please visit https://heroldlantern.com/wealth-advisory-contact-formFollow and Like Us on Youtube, Facebook, Twitter, and LinkedIn | @HeroldLantern

How to Choose a Financial Advisor: Fee-Based vs. Commission and What Retirees Need to Know Introduction Choosing the right financial advisor can feel overwhelming, especially when you’re navigating retirement planning or managing a lifetime of savings. With so many types of advisors—from traditional brokers to fee-based fiduciaries—how do you know which model serves your best interests? In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson walk through the evolution of financial advising, explain the critical differences between fee-based and commission-based models, and share what you should look for when selecting an advisor. Whether you’re working with a large brokerage firm or considering a local registered investment advisor, this guide will help you make an informed decision about your financial future. The Evolution from Brokers to Financial Advisors From Lockboxes to Digital Portfolios The financial advisory landscape has transformed dramatically over the past several decades. When Tom Dupree started in the business, the term “financial advisor” didn’t exist—only brokers. “When I started in the business, it was a broker. There were no such things as advisors,” Tom explains. Back then, fee-based advisors served only the ultra-wealthy with accounts of $5-10 million or more. Everyone else worked with commission-based brokers. Investors even held physical stock certificates and bonds in lockboxes at their banks. As Tom recalls: “I knew an older man who accumulated a lot of securities, bonds and stocks, and he kept them in his lockbox. He had to physically collect his own bond coupons.” The Rise of Discount Brokerages and RIAs The late 1980s and 1990s brought significant changes: Discount brokerage firms like TD Ameritrade, Schwab, Fidelity, and Vanguard emerged, allowing investors to manage their own portfolios Fee-based accounts became available at traditional brokerage firms Independent Registered Investment Advisors (RIAs) like Dupree Financial Group established themselves as fiduciary-focused alternatives This evolution created more choices for investors—but also more confusion about which advisor model best serves their needs. Understanding Different Types of Financial Advisors Commission-Based Brokers Commission-based advisors earn money when you buy or sell investments. While not inherently wrong, this model creates potential conflicts of interest. Key characteristics: Compensated through transaction commissions May recommend products that generate higher fees Not always held to fiduciary standards Common at firms like Edward Jones and traditional wirehouses As Mike Johnson notes: “You the consumer need to be aware of what their incentive is. Some advisors are incentivized by transactions.” Fee-Based Registered Investment Advisors Fee-based RIAs charge a percentage of assets under management rather than commissions on transactions. Key characteristics: Held to fiduciary standards (legally required to put client interests first) Fees typically range from 0.5% to 1.5% of assets annually Incentivized to grow your account value, not generate transactions Provide ongoing investment management and financial guidance “We manage money for a fee and we offer advice. We counsel with people,” Tom explains about Dupree Financial Group’s approach. “It makes it simple. We’re not trying to do other things that you don’t expect us to try to do.” Hybrid Models and Large Brokerage Firms Many large brokerage firms now offer both commission-based and fee-based services, along with additional offerings like legal and accounting departments. Tom cautions about potential conflicts with these one-stop-shop models: “If everybody is working under the same roof and getting paid by the same income stream, they’re gonna all pretty much march to the same company line.” Fee-Based vs. Commission: Understanding Advisor Incentives How Incentives Shape Investment Recommendations Your advisor’s compensation structure directly impacts the advice you receive. Understanding these incentives is crucial for retirement planning. Commission-Based Incentives: Generate income through buying and selling May encourage unnecessary trading or higher-cost products Can create pressure to recommend certain investments Fee-Based Fiduciary Incentives: Earn more only when your account grows Motivated to preserve capital and generate steady returns Aligned with long-term retirement goals “The incentive for us, for example, is to mitigate risk, but to also try to earn a rate of return above the rate of inflation and hopefully the rate of withdrawal,” Mike explains. “It aligns with what our client’s interests are.” The Fiduciary Standard: What It Means for You A fiduciary is legally obligated to act in your best interest. This is the highest standard of care in financial services. When you work with a fiduciary RIA: Your interests come first, always Conflicts of interest must be disclosed Recommendations must be suitable for your specific situation Transparency is required in all fee structures Red Flags When Choosing a Financial Advisor Warning Signs to Watch For Not all financial advisors operate with your best interests at heart. Here are red flags Tom and Mike have observed over 47 years in the investment business:

Retirement didn't just change my daily routine — it changed my mindset. After years of worrying about what people thought, explaining myself, and living by expectations… I finally reached the stage of life where I can say: I don't care anymore — and I have never felt more free.In this video, I share the unexpected emotional freedom that came with retirement — letting go of people-pleasing, releasing comparison, and finally choosing peace over pressure.If you're nearing retirement or already there and wondering why life suddenly feels lighter (or why you're ready to stop caring what others think), you are not alone.This is especially for anyone over 50 who is navigating identity shifts, confidence changes, or that powerful moment of choosing to live authentically instead of living for approval.

Are you using the wrong retirement withdrawal strategy? Sequential drawdown—draining one account before touching the next—is the most common approach to early retirement, but it could be costing you tens of thousands in unnecessary taxes. In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench sit down with Enrolled Agent Mark to break down tax-efficient withdrawal strategies that maximize your retirement savings. Discover blended drawdown strategies and cyclical drawdown methods that optimize which accounts you tap first—Traditional IRA, Roth IRA, taxable brokerage, HSA—to minimize your lifetime tax burden. This episode covers: Sequential vs. blended vs. cyclical retirement drawdown strategies How to optimize withdrawal order from retirement accounts (401k, IRA, Roth, taxable accounts) Tax-efficient retirement planning for early retirees and FIRE followers How to leverage today's historically low tax rates before they expire Healthcare costs in early retirement (ACA subsidies, Medicare planning) Asset protection and estate planning considerations Roth conversion strategies during low-income years How to avoid costly tax mistakes in the decumulation phase Whether you're planning for financial independence, already retired early, or managing multiple retirement accounts, this tax optimization masterclass will help you keep more of your money and make your nest egg last longer. Learn more about your ad choices. Visit megaphone.fm/adchoices

With talk of bubbles, corrections, and overvaluation dominating the headlines, we unpack how you can stay confident, stay invested, and stay sane when markets feel anything but predictable.  In this episode, we discuss:  Reasons why you might reduce stock exposure Poor (or dangerous) reasons to move to cash The biggest threat to your portfolio Practical investment frameworks to leverage in today's economic climate Today's article is from the Best Interest blog titled, Should Retirees Sell Stocks, Move to Cash? Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/536

103 The Realities of Business, Leadership & Public Adjusting | A Deep Dive with Jack Hanks   The Entreprenudist Podcast https://entreprenudist.com In this episode of The Entreprenudist Podcast, we sit down with Jack Hanks | President of VPA Claims, for one of the most honest and wide-ranging conversations in the industry. Jack shares decades of business experience, revealing the lessons, mistakes, insights, and realities that shaped his journey. From the early challenges of entering the public adjusting world to navigating acquisitions, leadership, private equity, due diligence, and building a reputation , nothing is off the table. -------------------------- VPA Public Claims Adjusting At VPA Claims, we fight for property owners, not insurance companies. Our experienced team, led by Jack Hanks, guides you through the entire claims process, from assessment to negotiation, ensuring you get the maximum settlement you deserve. Don't navigate your insurance claim alone. Contact VPA Claims today for a free consultation and let us handle the hard work while you focus on restoring your home or business. visit https://www.vpa.claims/ to get started!  ----------------  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.

Tripp Limehouse discusses the evolving challenges retirees face today, including inflation, healthcare costs, and longevity risk. He emphasizes the importance of proactive planning, understanding spending needs, and the necessity of a solid income strategy to ensure a comfortable retirement. The conversation also covers the significance of social security planning and estate planning essentials, providing listeners with actionable insights to navigate their retirement journey effectively. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

One week out from Thanksgiving, Henry's back in a mood to rant! He starts out in Tennessee to bring some clarity to the mixed messages you may be receiving from analyses of the special election. Next, he looks at how the economy and the shutdown may be weighing down Trump's approval rating, and considers how […]

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We're taking a virtual trip to the gorgeous city of Montpellier in southern France, where retirement life for the LGBTQ community is as bright as the Mediterranean sun! Joining me, Mark Goldstein, is the fabulous Lloyd Meeker, who's got the inside scoop on everything you need to know—housing, healthcare, and the local vibe. Imagine living in a place where being gay is a total non-issue and the community is all about acceptance and celebration. We'll dive into the costs of living, the stunning culture, and how to navigate the French healthcare system without losing your marbles. So grab your sunscreen and let's explore what makes Montpellier a Mediterranean gem for retirement!Welcome to the sunny shores of Montpellier, where the Where Do Gays Retire Podcast takes you on a lively exploration of this Mediterranean haven! Mark Goldstein is on the mic with local resident Lloyd Meeker, who spills the secrets of what makes this city so special for LGBTQ retirees. From the moment you arrive, you'll find a place that feels like home, where the climate is as warm as the community spirit. Lloyd shares his story of moving from the U.S. to France, navigating the housing market, and getting to grips with the local customs. Want to know about healthcare? He's got you covered with all the juicy details on how the French system works and why it's a game changer for retirees. Plus, if you're a foodie, you're in for a treat! The culinary scene in Montpellier is a delightful mix of traditional Occitan dishes and fresh seafood that'll make your taste buds dance with joy. Throughout the episode, you'll hear about the vibrant arts scene, the ease of getting around thanks to a top-notch public transport system, and the sense of safety that comes from living in such an accepting city. Whether you're in the planning stages or just curious about life abroad, this episode is a treasure trove of information, camaraderie, and inspiration for your next big life chapter. So tune in and let's get ready to retire in style!Takeaways: Montpellier is a Mediterranean gem where the LGBTQ community can feel safe and thrive. Living in Montpellier offers a unique blend of sunshine, culture, and community vibes for everyone. Healthcare in France is amazing, providing quality services without the exorbitant costs found in the U.S. Public transport in Montpellier is not only efficient but also free for residents, making life easier and more enjoyable. Links referenced in this episode:wheredogaysretire.comMentioned in this episode:Introducing LGBTQSeniors.com – A Free Community for Connection & PrideMark Goldstein, host of the Where Do Gays Retire Podcast, shares exciting news: LGBTQSeniors.com is live! It's a free online community for LGBTQ folks 50+ featuring: Private messaging & forums Monthly Zoom meetups Real connection—without the social media clutter If you love what Mark's building, please support the cause at

We're taking a virtual trip to the gorgeous city of Montpellier in southern France, where retirement life for the LGBTQ community is as bright as the Mediterranean sun! Joining me, Mark Goldstein, is the fabulous Lloyd Meeker, who's got the inside scoop on everything you need to know—housing, healthcare, and the local vibe. Imagine living in a place where being gay is a total non-issue and the community is all about acceptance and celebration. We'll dive into the costs of living, the stunning culture, and how to navigate the French healthcare system without losing your marbles. So grab your sunscreen and let's explore what makes Montpellier a Mediterranean gem for retirement!Welcome to the sunny shores of Montpellier, where the Where Do Gays Retire Podcast takes you on a lively exploration of this Mediterranean haven! Mark Goldstein is on the mic with local resident Lloyd Meeker, who spills the secrets of what makes this city so special for LGBTQ retirees. From the moment you arrive, you'll find a place that feels like home, where the climate is as warm as the community spirit. Lloyd shares his story of moving from the U.S. to France, navigating the housing market, and getting to grips with the local customs. Want to know about healthcare? He's got you covered with all the juicy details on how the French system works and why it's a game changer for retirees. Plus, if you're a foodie, you're in for a treat! The culinary scene in Montpellier is a delightful mix of traditional Occitan dishes and fresh seafood that'll make your taste buds dance with joy. Throughout the episode, you'll hear about the vibrant arts scene, the ease of getting around thanks to a top-notch public transport system, and the sense of safety that comes from living in such an accepting city. Whether you're in the planning stages or just curious about life abroad, this episode is a treasure trove of information, camaraderie, and inspiration for your next big life chapter. So tune in and let's get ready to retire in style!Takeaways: Montpellier is a Mediterranean gem where the LGBTQ community can feel safe and thrive. Living in Montpellier offers a unique blend of sunshine, culture, and community vibes for everyone. Healthcare in France is amazing, providing quality services without the exorbitant costs found in the U.S. Public transport in Montpellier is not only efficient but also free for residents, making life easier and more enjoyable. Links referenced in this episode:wheredogaysretire.comMentioned in this episode:Introducing LGBTQSeniors.com – A Free Community for Connection & PrideMark Goldstein, host of the Where Do Gays Retire Podcast, shares exciting news: LGBTQSeniors.com is live! It's a free online community for LGBTQ folks 50+ featuring: Private messaging & forums Monthly Zoom meetups Real connection—without the social media clutter If you love what Mark's building, please support the cause at

Many retirees picture travel as the ultimate reward — the long-awaited trip, the scenic tour, the cruise booked for two. But what happens when you're ready to go and there's no one to go with you? Whether your partner doesn't want to travel, can't retire yet, or you're simply navigating this chapter solo, the dream of seeing the world can quickly feel complicated by logistics, costs, and unspoken worries about safety. But what if it's not? Travel advisor Alyssa joins Matt to explain why the conventional approach to travel often fails solo retirees — and what to do instead. She breaks down the real price of traveling alone, including the often-overlooked “single supplement” fee, and how certain cruise lines and tour groups are finally catering to solo travelers over 50. More than just tips, this conversation reveals how to find confidence, community, and security when you're the only one planning the trip.My website with more Medicare resources, books, courses, and more: https://prepareformedicare.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionI recommend my wife's Medicare insurance agency, but there's never any obligation or pressure to work with her team. Here's more information if you're interested: https://brickhouseagency.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

Healthcare planning is a huge part of getting ready for your retirement. In this episode, I tackle one of the most pressing updates for retirees: the latest changes to Medicare premiums for 2026, including important surcharges, deductibles, and strategies to help you manage your healthcare expenses.  I'm helping you understand the significant increases in Medicare Part B premiums and deductibles, the impact these changes will have on your Social Security benefits, and why waiting to claim Social Security might pay off. Listen in to get helpful strategies for appealing IRMAA surcharges and practical tips for structuring your income to minimize additional Medicare costs. If you're planning for retirement or already navigating Medicare, this episode is packed with timely advice to help you make informed decisions about your healthcare and finances. You will want to hear this episode if you are interested in... [00:00] 2026 Medicare vs. Social Security. [02:23] Part B Medicare surprise announced. [04:08] Social Security timing and medicare basics. [10:07] Appealing the Medicare IRMAA surcharge. [12:13] Avoid IRMAA by keeping an eye on your retirement income. [14:08] Key Medicare changes for 2026. Medicare Part B Premiums Are Increasing in 2026 The standard monthly premium will jump to $202.90 per individual, a striking 9.7% rise from the 2025 rate of $185. This marks the largest increase since 2022, signaling that healthcare costs for retirees continue to climb at rates surpassing even Social Security's cost of living adjustment, which will be 2.8% for 2026. For retirees collecting Social Security, Part B premiums are automatically deducted from their benefits, while those not yet collecting must pay separately, typically on a quarterly basis. It's possible for individuals with lower Social Security benefits to see the entire annual cost-of-living increase consumed, and even exceeded, by higher Medicare premiums. Understanding Medicare's Two Parts: A and B It's important to understand Medicare's original coverage: Part A and Part B. Part A (Hospital Insurance): Most retirees won't pay a premium for Part A if they (or a spouse) have worked at least 10 years in the U.S. Those with fewer qualifying quarters face monthly premiums of either $311 or $565, depending on how long they've paid in. The Part A deductible will also rise to $1,736 in 2026. Part B (Medical Insurance): Covers preventive care, with the standard premium set at $202.90 and a deductible of $283 for 2026 (about a 10% increase from 2025). IRMAA: Income-Related Monthly Adjustment Amounts & Surcharges Higher-income retirees may be subject to IRMAA, leading to additional surcharges on Part B premiums. This is determined by your modified adjusted gross income (MAGI) from two years prior (2024 for the 2026 premiums). The IRMAA threshold for single filers is $109,000 and $218,000 for joint filers, with surcharges starting at $284.10 per person and escalating through higher brackets, potentially doubling your premium if you cross certain income thresholds. Medicare will send IRMAA notifications, but an appeal process is available. If your income drops due to retirement or other qualifying life events, you can use SSA Form 44 to appeal unwanted surcharges. Reasons might include a work stoppage, divorce, loss of a pension, or the death of a spouse. Strategic Planning for Retirees How can retirees manage these costs and avoid sudden surcharge surprises? Ryan Morrissey  provides practical guidance: Delay Social Security: Waiting until full retirement age or later can mean higher monthly benefits and greater long-term cost-of-living increases. Monitor Your Income: Large IRA withdrawals, significant capital gains, or property sales can raise your MAGI and push you into higher IRMAA brackets. Appeal When Justified: Act quickly if you're eligible for an IRMAA appeal, as processing can take time and surcharges last 12 months before adjusting. Retirees should work closely with financial advisors to manage income distributions and plan for healthcare expenses as part of their broader retirement strategy. With healthcare costs rising faster than Social Security increases, retirees must stay vigilant. Whether you're newly eligible for Medicare or well into your retirement journey, understanding these changes is super important. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Medicare.gov Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Send us a textGet your hands on a copy of Private Wealth Manager and Certified Financial Fiduciary Adam Bruno's book, "They Lied: The Real Cost of Your Retirement," by downloading it at https://taxfreefortmyers.com/. Discover the truth about the hidden costs of retirement and gain expert insights on how to live a Goal-Focused Retirement. Don't miss out on this essential read - download your copy today!

In this episode of Think Smart with TMFG, Mike Connon and Carlo Cansino, Senior Financial Advisors at The McClelland Financial Group of Assante Capital Management, explore practical strategies for Canadians approaching retirement. They highlight the challenges many retirees face, including navigating pensions and government benefits, as well as planning for unexpected expenses. Mike and Carlo discuss the decline of traditional defined benefit plans and emphasize the importance of supplementing public pensions, such as CPP and Old Age Security, with personal savings and tax-advantaged accounts, including RRSPs and TFSAs. They also explain how timing decisions, like deferring CPP or OAS, can significantly boost retirement income, and how sharing benefits with a spouse can help manage household taxes. Unexpected costs are a common source of stress for retirees, including everything from home maintenance and condo assessments to healthcare expenses, such as dental work. Finally, they address the misconception that retirees should drastically reduce their equity exposure. Since inflation affects retirement expenses, maintaining growth-oriented investments is crucial to ensure your portfolio keeps pace over a long retirement horizon. Ultimately, they emphasize that retirement planning is dynamic: your plan should evolve in response to life changes, while keeping you prepared for unforeseen expenses, thereby helping you retire with confidence and peace of mind. If you want guidance on creating a retirement plan tailored to your goals, request a meeting here: Schedule your meeting here! Read the article: "In Your 50s and Thinking About Retirement, What to Know” by Financial Advisor Ingrid Kucera at TMFG, and learn how to turn your retirement savings into a dependable income strategy that supports your long-term goals with confidence. Follow us on our social channels: LinkedIn: The McClelland Financial Group Facebook: https://www.facebook.com/tmfg.ca Instagram: https://www.instagram.com/themcclellandfinancialgroup_/

Click here to work with us! Many retirees enter their golden years with the goal of financial security, but what if the biggest risk isn't running out of money—it's not spending enough of it? A surprising new study reveals that retirees are withdrawing just 2% a year from their savings—barely half of what's traditionally considered safe. This cautious approach might seem responsible, but it often leads to unnecessary frugality, missed experiences, and larger-than-expected tax burdens later in life. The hesitation to tap into personal savings, even when there's plenty available, raises an important question: What's stopping retirees from spending with confidence? Research shows that retirees feel much more comfortable spending guaranteed income from sources like Social Security and pensions while being reluctant to withdraw from their own investments. This behavioral tendency can leave money unspent for decades, only to be forced out later through required minimum distributions (RMDs) that create tax inefficiencies. Meanwhile, large inheritances often arrive too late to make a meaningful impact on the next generation. Rethinking the 2% mindset means understanding what keeps retirees locked into ultra-conservative spending habits and finding ways to turn savings into income that feels reliable. A simple shift—such as automating monthly withdrawals or adjusting expectations around financial security—can open the door to a more fulfilling retirement. The money was saved to be spent, and spending it well can be just as important as saving it wisely. Spending too little can be just as costly as spending too much. With the right approach, retirees can enjoy their wealth now while keeping future financial security intact. Resources & People Mentioned The Retirement Podcast Network David Blanchett – Head of Retirement Research at PGIM DC Solutions Michael Finke – The American College of Financial Services Die With Zero by Bill Perkins – Book on intentional retirement spending Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

FEATURING: Jim & Martha Brangenberg ORGANIZATION: iWork4Him Ministries Christmas is meant to be full of meaning – not just memories. In this special Christmas episode of iRetire4Him, Jim and Martha Brangenberg share a simple, practical challenge for retirees: use the Christmas season as an opportunity to love the neighbors God has already placed around you. For many retired neighbors, Christmas can be quiet, lonely, or even difficult – especially with physical limitations, tighter budgets, or family living far away. But those challenges also open the door for beautiful ministry opportunities right where you live. In this episode, Jim and Martha remind us that loving your neighbors doesn’t require big events or elaborate plans. Often, the most meaningful moments come through small, intentional acts: Sharing a plate of cookies Inviting neighbors over for dessert or coffee Hosting a casual gathering in your home or garage Delivering leftovers after Christmas Simply learning your neighbors’ names and saying, “We’re here if you need anything” They also share fun, low-pressure ideas like neighborhood gift games (“you’ve been socked!”), community parades, cookie exchanges, and simple games that build shared memories and open doors for deeper relationships. Most importantly, this conversation points us back to the true reason for the season – Jesus. Christmas creates a natural, gentle way to share faith, stories, and hope with the people God has placed in our everyday lives. Your Christmas Challenge: Before the year ends, choose one simple way to love a neighbor. One visit. One invitation. One shared moment. Let God do the rest. From the iRetire4Him family to yours, Merry Christmas! And don’t forget that you can give yourself or a friend the gift of purpose in retirement. Email Jim@iWork4Him.com to request your free copy of iRetire4Him: Unlock God’s Purpose for Your Retirement – just pay shipping (US residents only). P.S. – Read the first chapter for free! See omnystudio.com/listener for privacy information.

The One Big Beautiful Bill (OBBB) is one of the most significant tax updates in recent years—and for retirees, it's not just about what changed, but how it affects real-world decisions. From a new $6,000 deduction for seniors to changes in how overtime, tips, and even mortgage interest are taxed, these changes can have a significant impact on your retirement plan.What You Should Know

Guilt is one of the most common — and most hidden — struggles retirees face.In this episode of Life Starts at Retirement, we talk openly about the guilt that comes with finally prioritizing yourself after decades of putting everyone else first. From feelings of obligation toward family and caregiving responsibilities, to the pressure of being needed, available, or “useful” — this emotional weight can quietly steal the joy from what should be one of the most fulfilling seasons of life.If you've ever felt guilty for:Traveling or enjoying freedom in retirementSaying “no” to family obligationsChoosing experiences over expectationsWanting more joy, adventure, or personal growth…you are not alone — and you are not selfish.In this honest conversation, we explore:

New Total Wealth and Wellness Radio episodes post every Saturday.

When Tim Dixon retired after more than 30 years in demolition, he wasn't sure what life after work would look like. The longtime West Chicago resident worried he would struggle to fill his days. The turning point came in 2018 when his daughter returned home from college in Seattle for Thanksgiving.

In this episode, Chuck D and Marcus C discuss the recent government shutdown, its effects on employees and retirees, and the importance of having a financial plan. They explore the challenges faced by those returning to work, the uncertainty for retirees, and the mental health benefits of planning and communication in relationships. The conversation emphasizes the need for preparation in the face of potential future shutdowns and the value of having a solid strategy for retirement.The government shutdown lasted 43 days, the longest in history.1.4 million employees were unpaid during the shutdown.Essential employees had to work without pay, affecting their finances.Retirees faced uncertainty with delayed pension checks and processing.Many employees drained savings and incurred credit card debt during the shutdown.Having a financial plan is crucial for retirement readiness.Mental health benefits arise from having a plan and open communication.Walking with loved ones can improve both physical and mental health.The importance of family meals without distractions for relationship building.Future government shutdowns may require better preparation and planning.

When Tim Dixon retired after more than 30 years in demolition, he wasn't sure what life after work would look like. The longtime West Chicago resident worried he would struggle to fill his days. The turning point came in 2018 when his daughter returned home from college in Seattle for Thanksgiving.

When Tim Dixon retired after more than 30 years in demolition, he wasn't sure what life after work would look like. The longtime West Chicago resident worried he would struggle to fill his days. The turning point came in 2018 when his daughter returned home from college in Seattle for Thanksgiving.

Independent Americans host Paul Rieckhoff (@PaulRieckhoff) rips through one of the most urgent, dangerous stories in American politics right now: Donald Trump and Pete Hegseth's unprecedented weaponization of the Department of Defense and FBI against Senator Mark Kelly and five other members of Congress, and millions of military retirees—just days before Thanksgiving.  Coming to you from the new MS Now (formerly MSNBC) headquarters in Times Square, and after a whirlwind of speaking out, Paul connects the dots between Trump's escalating attacks, Ukraine's ongoing fight, 9/11 first responder revelations, and why this moment demands maximum vigilance from you—and every independent American.  Paul explains how Trump and his “Acting” Secretary of Defense Pete Hegseth are targeting Senator Mark Kelly and six other members of Congress—sending a chilling message to over two million military retirees—who now fear being dragged back under the Uniform Code of Military Justice for what they post or say.  This is bigger than Democrat vs. Republican—it is about right vs. wrong, and about whether America is still a place where free speech is protected from government retaliation. He analyzes Senator Slotkin's warning about a new FBI counterterrorism inquiry into her after a Trump-criticizing video, and how combining DOD and FBI power into a dual intimidation strike looks less like a democracy and more like the behavior of despots in Russia, North Korea, or Saddam's Iraq.  In classic Independent Americans fashion, Paul also hits rapid headlines that everyone should be tracking heading into Thanksgiving: fresh Russian missile and drone attacks on Ukraine, the simmering risk of U.S. strikes on Venezuela, the underreported stakes for National Guard and Reserve members serving in Congress, and new revelations about long-buried documents on the toxic dust that has killed more 9/11 first responders than were lost on the day itself. He connects it all back to accountability, vigilance, and the open seats at Thanksgiving tables that still remind families of the lasting costs of 9/11.  And because this show always brings light, Paul closes with “something good”: a shout-out to The Duffel Blog—the “Onion for the military”—whose brutal satire of Trump's “woke” rhetoric, ICE raids, and Pentagon absurdity offers a sharp, much-needed laugh for vets and civilians alike. Because every episode of Independent Americans with Paul Rieckhoff breaks down the most important news stories--and offers light to contrast the heat of other politics and news shows. It's independent content for independent Americans. In these trying times especially, Independent Americans is your trusted place for independent news, politics, inspiration and hope. The podcast that helps you stay ahead of the curve--and stay vigilant. -WATCH video of this episode on YouTube now. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -Check the hashtag #LookForTheHelpers. And share yours.  -Find us on social media or www.IndependentAmericans.us.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the holidays.  -Check out other Righteous podcasts like The Firefighters Podcast with Rob Serra, Uncle Montel - The OG of Weed and B Dorm.  Independent Americans is powered by veteran-owned and led Righteous Media. Spotify • Apple Podcasts • Amazon Podcasts  Ways to watch: YouTube • Instagram  X/Twitter • BlueSky • Facebook  Ways to listen:Social channels: Learn more about your ad choices. Visit megaphone.fm/adchoices

COSTLY MISTAKES THE RISK OF OVERLOOKING INFLATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Inflation may not seem dramatic day-to-day, but over time it quietly erodes your purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why ignoring inflation is one of the most common and costly mistakes retirees make. Full Description Inflation has always been part of the economic landscape, but recent years have reminded us how quickly costs can rise. Even modest annual increases add up over decades, changing what retirees can afford and forcing tough decisions about lifestyle, travel, and healthcare. Planning without accounting for inflation often leads to budgets that work on paper at the start of retirement but fail later on. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down why inflation is called the “invisible thief.” They explain how it reduces the value of savings, increases the cost of essential services, and undermines long-term financial security. Retirees who ignore inflation may find that what felt safe in their 60s becomes inadequate in their 80s. Listeners will learn practical ways to protect against inflation. Strategies include investing in growth assets, diversifying income streams, and reviewing plans regularly to reflect changing conditions. Sandy and Tyler also share how BWFA helps clients stress-test portfolios under different inflation scenarios, offering peace of mind that the plan can adapt to both gradual increases and unexpected spikes. The key takeaway is that retirement planning must look forward, not just focus on today's expenses. By anticipating rising costs and adjusting proactively, you can preserve purchasing power, maintain your lifestyle, and protect the legacy you hope to leave for loved ones. For more guidance, visit BWFA's Financial Planning Services.

As 2025 comes to a close, we're here to help you make the most of year-end tax planning. I'm explaining seven actionable strategies to help you minimize your tax liability and optimize your retirement savings before the New Year.  From maximizing retirement plan contributions and exploring Roth conversion opportunities to using donor-advised funds for charitable giving and getting the most from your health savings accounts, this episode is packed with practical advice. The insights I'm sharing in this episode will guide you through the essential moves you need to consider before December 31st.  You will want to hear this episode if you are interested in... [00:00] Year-end retirement contribution tips. [04:07] Mega Backdoor Roth IRA strategy. [08:51] Maximizing charitable tax benefits. [12:19] Year-end tax savings key insights. [16:24] Maximize HSA contributions strategically. 7 Essential Year-End Tax Planning Strategies for 2025 When the end of the year approaches, savvy savers and future retirees know it's prime time to make smart financial moves. Here are my top seven actionable steps you can take before December 31st, and even a few after, to set yourself up for retirement success and optimize your tax situation.  1. Max Out Your Retirement Contributions For 2025, the maximum contribution is $23,500 if you're under 50 and $31,000 if you're over 50 (including a $7,500 catch-up). Contributing up to these limits reduces your taxable income for the year and boosts your nest egg for retirement, especially important if you're at your career's earnings peak. But don't wait! Corporate payroll deadlines mean these contributions typically need to be made by year's end. Self-employed individuals might have a little longer, but now is the best time to act. Setting yourself up for the new, higher 2026 limits can also help you keep your savings momentum going. 2. Utilize the Mega Backdoor Roth IRA High earners who make too much for direct Roth IRA contributions aren't out of options. The "Mega Backdoor Roth" strategy lets you contribute after-tax dollars beyond the standard 401(k) limits, then convert those funds into a Roth IRA or a Roth 401(k). For 2025, total contribution limits (including after-tax) can be as high as $77,500 if you're over 50. This powerful move can supercharge your retirement savings with the potential for decades of tax-free growth. However, not all employer plans allow in-plan conversions, so check with your HR department to explore your options. 3. Consider Roth Conversions A Roth conversion involves moving pre-tax money from a traditional IRA or 401(k) into a Roth account. You'll owe taxes on the conversion, but if you're in a low tax bracket this year, or expect to be in a higher one later, converting now could pay off substantially in future tax savings. Even small conversions ($10,000 - $20,000) can be beneficial if kept in lower tax brackets.  4. Maximize Charitable Contributions Using Donor-Advised Funds Charitable giving is generous, but it's also an opportunity to optimize taxes. Since the standard deduction now exceeds what many typically give, "bunching" several years' worth of donations into a single year using a donor-advised fund can allow you to itemize and increase your deduction. For example, funding three years of donations at once could push your deductions over the standard threshold, providing a greater tax benefit. 5. Review Stock Options for Tax Efficiency If you have stock options, especially non-qualified stock options or incentive stock options (ISOs), year-end is an ideal time to review their tax impact. Exercising during a low-income year can mean paying less tax on gains. ISOs, when held beyond the required periods, can qualify for long-term capital gains tax rates. Each type of stock option has distinct rules and opportunities for savings, so analyze your position before acting. 6. Use Flexible Spending Accounts (FSAs) Before They Expire FSAs allow you to pay for medical expenses with pre-tax dollars, saving you the equivalent of your combined federal and state tax rates (often ~30%). For 2025, you can contribute up to $3,300. Remember: FSAs are "use it or lose it," so spend down your balance, or you risk forfeiting unspent dollars, with only a limited carryover allowed. Also consider dependent care FSAs if you have eligible expenses. 7. Maximize Your Health Savings Account (HSA) HSAs are financial powerhouses, offering triple tax benefits: contributions are deductible, growth is tax-free, and withdrawals for qualified medical expenses are untaxed. The 2025 limits are $4,300 for singles and $8,550 for families, plus an extra $1,000 catch-up if you're over 55. Make sure employer contributions are factored into your personal limit, and if both spouses are eligible, consider separate accounts for maximum catch-up savings. Year-end tax planning is your chance to make meaningful progress toward retirement readiness and tax efficiency. Whether you're maximizing workplace plans, exploring Roth opportunities, leveraging charitable strategies, or optimizing account contributions, each move can compound into significant long-term benefits.  Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Is $1.5 million really enough for a secure retirement? This episode unpacks the myths behind “magic numbers,” explores the emotional challenge of spendophobia, and reveals why running out of money is a universal fear—no matter your net worth. Special guest Adam Boatsman, CPA, joins JoePat Roop to discuss tax strategies, the Augusta Rule, and how business owners can avoid costly mistakes. Hear candid stories, practical advice, and learn why planning ahead is key to enjoying retirement without guilt or anxiety. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this episode, we interview Paul Morrison, an IRMAA-certified planner from Lincoln, Nebraska. They discuss the impact of IRMAA (Income Related Monthly Adjustment Amount) on retirees' Medicare premiums and Social Security benefits, highlighting how rising taxable income can trigger higher costs. Paul explains the complexities of IRMAA, the importance of proactive tax planning, and strategies like Roth conversions to minimize surcharges. The conversation also covers Medicare Advantage, the “widow's penalty,” and the need for better financial education. The episode blends personal stories with practical advice for navigating retirement's hidden tax challenges.(03:25) – From College Athletes to Retirees(04:10) – What Is IRMAA?(06:00) – The Tax Trigger(10:20) – How the Brackets Are Set(13:40) – Tax Planning & the SSA-44 Form(19:45) – Medicare Advantage & IRMAA(23:15) – Strategies to Reduce IRMAA(25:55) – The Widow's Penalty(29:06) - Long-Term Care, RMDs, and IRMA(31:21) - IRMA Certification Details(34:57) - Roth Conversions and Standard DeductionNEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-pageFollow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4Website: http://www.9icapitalgroup.comHit the subscribe button to get new content notifications.Corrections: Editing by http://SwoleNerdProductions.comDisclosure: https://sites.google.com/view/9idisclosure/disclosure

How much market risk do you actually need to reach your retirement goals? In this episode, Ken and Jeremy walk through the trade-off between return and volatility, how mix (e.g., 60/40 vs. 30/70) changes portfolio behavior, why diversification helps—but isn't a cure-all—and why the “most important decade” (five years before and five years after retirement) deserves extra care.Ready to talk through your plan? Visit rpoa.com to explore a Retirement Cash Flow Plan.RPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

"Just buy the index." It's the simple advice that built your wealth and got you to the finish line. But here's what often gets overlooked: The strategy that got you to retirement won't necessarily keep you there. When you switch from saving to spending, the math changes. Suddenly, relying on a "simple" S&P 500 strategy exposes you to risks that didn't matter when you had a paycheck. In this episode, we cover: ▶ The Simplicity Trap: Why "decision fatigue" lures smart retirees into risky, overly concentrated portfolios. ▶ S&P 500 Reality Check: Why the "safe" default option is actually dangerous for your retirement income.  ▶ The "Flatline" Defense: How to build a retirement portfolio that protects your purchasing power during downturns.  ▶ Beyond Investing: How to align your investments, taxes, and legacy for true peace of mind. If you are approaching retirement and wondering if your "set it and forget it" strategy is enough to last a lifetime this episode is for you. ***

101 The Impact of AI and Labor Market Trends | Cary Sparrow, CEO of WageScape   The Entrepenudist Podcast  https://entreprenudist.com AI is transforming how companies hire, pay, and compete for talent and no one understands that shift better than Cary Sparrow, Founder and CEO of WageScape. In this episode of The Entreprenudist Podcast, Cary shares insights from decades of experience in engineering, the U.S. Navy, consulting, and technology leadership. He explains how data and artificial intelligence are reshaping recruiting, pay transparency, and the overall labor market. We dive into:

Many retirees think their financial habits will magically reset once they stop working, but financial therapist Kine Corder explains why that never happens. The money lessons you absorbed decades ago don't retire when you do. They show up in quiet ways — how you react to market swings, how much you help your adult kids, how nervous you feel about spending even when the math says you're fine. These patterns feel logical in the moment, but they usually come from old stories you didn't choose and never questioned. In this episode, Kine and Matt explore how those childhood beliefs, family dynamics, and subconscious fears shape retirement more than any investment decision. My website with more Medicare resources, books, courses, and more: https://prepareformedicare.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionI recommend my wife's Medicare insurance agency, but there's never any obligation or pressure to work with her team. Here's more information if you're interested: https://brickhouseagency.com/?utm_source=youtube&utm_medium=social&utm_campaign=organic_descriptionThe Matt Feret Show is about thriving in midlife, retirement, and beyond. Each week, Matt shares smart conversations on Medicare, Social Security, retirement planning, health, wealth, wellness, caregiving, and life after 50.Explore more episodes and sign up for The Matt Feret Newsletter: TheMattFeretShow.comNeed Medicare help? Book a no-obligation consultation: BrickhouseAgency.comWatch full episodes on YouTube: The Matt Feret ShowSubscribe on Apple, Spotify, or YouTube for more insights on wealth, wisdom, and wellness in retirement. Hosted on Acast. See acast.com/privacy for more information.

You ever have something not be what expected it to be? Well, as a retirement planner who is helped over 100 clients, I have learned an important lesson that I think anyone who is preparing for retirement needs to understand.

Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the “decumulation” phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies

Lance Roberts & Jonathan Penn tackle two of the biggest gaps in financial education: How to actually use RSI, MACD, Money Flow, and MACD Histogram together, and why post-retirement planning (the "decumulation" phase) is so overlooked—yet absolutely critical. Lance and Jon break down the mysteries of indicator interplay, retirement income strategies, and how to evaluate who you can trust with your money. 0:00 - INTRO 0:19 - The Math Ain't Mathin' for 2026 Earnings Projections 4:57 - I Told You So 10:42 - Technical Analysis - Keep it Simple 14:04 - Adapt Your Technical Analysis to Your Time Frame 15:19 - Looking for a Trend - What is a Moving Average? 18:02 - What the MACD Tells Us - The Gap 22:18 - Measuring Relative Strength 24:16 - The Bitcoin Example 27:18 - Buyers and Sellers and Money Flows 30:41 - No One Size Fits All 32:09 - The Value of Diversified Portfolio Management 34:30 - The Fallacies of Diversification 37:40 - Retirement Doesn't Mean the Same for Everyone 44:37 - Organization of Withdrawal Strategies

Screenwriter Samantha Strauss on her grandmother's vibrant last years in a Gold Coast retirement home where love, sex and startlingly pragmatic conversations about dying were all part of daily life. (CW: not suitable for children) (R)Samantha Strauss started dancing from the age of 2, and as she grew up, she became increasingly serious about it.Sam was 18 when her budding ballet career was cut short by a shocking injury.After a year on the couch recovering, she reinvented herself.A few years later, inspired by the story of her own life in ballet, she co-created a TV series called Dance Academy.Dance Academy went on to screen in 160 countries, with Sam as the head writer across the 65 episodes.Sam's next show, The End, was set partly in a Gold Coast retirement village.Samantha got the idea as she watched how her own Grandmother's life changed after moving into a similar place at the end of her life.She expected to hate it, but eventually she found a circle of friends who partied hard and talked freely about love, sex, and death, including experimenting with making their own Nembutal.Further informationOriginally broadcast April 2021.Samantha has since won a Logie for her work on the Netflix program Apple Cider Vinegar, based on Belle Gibson's life.This episode was produced by Nicola Harrison. The Executive Producer was Carmel Rooney.It explores Belle Gibson, wellness, scam, scammers, Philip Nitschke, exit international, VAD, voluntary assisted dying, nursing home, aged care, grandparent grandchild relationship, sick parent, writing, being a writer, dance career, LA, Los Angeles, film industry, connections, Australians in LA, actors, nudists and naturalists.To binge even more great episodes of the Conversations podcast with Richard Fidler and Sarah Kanowski go the ABC listen app (Australia) or wherever you get your podcasts. There you'll find hundreds of the best thought-provoking interviews with authors, writers, artists, politicians, psychologists, musicians, and celebrities.

Want to know what keeps retirees up at night? It's not what they did—it's what they wish they'd done ten years earlier. Joe Saul-Sehy is joined by Jill Siriani (Frugal Friends), Jesse Cramer (The Best Interest), and Doc G (Earn & Invest), who all pull up chairs in the basement for a powerhouse roundtable on the five regrets that show up again and again when people hit retirement. These aren't hypothetical "what-ifs"—they're real stories from a real CFP, sharing tales about people who wished someone had told them sooner. From botched investment allocations that left people either too risky or too conservative, to tax mistakes that cost tens of thousands, to the heartbreaking pattern of people who saved everything but never actually enjoyed their money—this conversation gets real about what actually matters when you're trying to retire with confidence (and joy). The good news? Every single one of these regrets is avoidable. The panelists share what to do now so you don't become one of these stories later, including the estate planning moves that take ten minutes but save your family years of headaches, and why the biggest retirement regret isn't financial at all—it's emotional. Plus: Doug's trivia challenge pits the panel against each other for bragging rights, because even serious money talk deserves a little competition. What You'll Walk Away With: • The five regrets that show up over and over in retirement—and the specific moves that prevent each one • Why your investment allocation in your 40s and 50s might be setting you up for regret in your 60s • Tax strategies that keep more money in your pocket (because giving Uncle Sam extra is nobody's retirement dream) • The simple estate planning steps most people skip—and why your family will thank you for not skipping them • How to give yourself permission to actually enjoy your money instead of hoarding it out of fear This Episode Is For You If: • You're decades from retirement but want to avoid the "I wish I'd known" moments • You're closer to retirement and worried you've missed something important • You want to hear top financial minds debate what actually matters (spoiler: they don't always agree) • You're tired of generic retirement advice and want to hear what real retirees actually regret • You believe retirement should be about living well, not just having enough FULL SHOW NOTES: https://stackingbenjamins.com/top-5-retirement-plan-regrets-1758 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices