Podcasts about retirement planner

How does the 4% rule work, and can it help you create reliable retirement income without running out of money? In this video, we explain how to calculate your first-year retirement withdrawal, adjust future withdrawals for inflation, and apply the 4% rule to your retirement savings. **Schedule your free virtual consultation

On this episode: A retired CPA has one warning for his friends. Greg breaks down why taxes get trickier after you stop working — and where DIY filers tend to slip up. Wall Street has a $3 trillion headache, and it's your cash. Greg unpacks why advisors get uneasy when money moves to the sidelines, and how much risk retirees really need. A listener in Indianapolis has a growing HSA and a big decision. Greg talks through whether to let it compound or put it to work now. A dripping faucet can fill a swimming pool. Greg uses that image to explain how small percentage fees quietly add up, and how a fee analysis reveals what you're paying. 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.

What if your biggest retirement fear isn't running out of money?In this retirement video, I walk through the retirement situation of a 60-year-old couple with $500,000 saved for retirement—and the concern that weighs on them most: what happens if one spouse dies?Retirement planning isn't just about whether your retirement money lasts. It's also about making sure the surviving spouse can maintain their retirement lifestyle, manage taxes, navigate Social Security, and handle the financial changes that come with losing a spouse in retirement.

When Should I Claim Social Security Benefits?!? (Full Guide) There's no one-size-fits-all answer. Your claiming decision can impact your monthly income, taxes, survivor benefits, and the amount of money you may need to withdraw from your retirement accounts. In this full guide, we'll walk through the key factors you should consider before claiming Social Security. **Schedule your free virtual consultation

62 With $500K: Should You Claim Social Security Early or Wait? If you're 62 years old with $500,000 saved for retirement, one of the biggest questions you'll face is:Can I retire now... and should I claim Social Security at 62 or wait?

Most people believe with no job their tax bill will go down in retirement. That is not always true. The question is, what can you do about it? 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.

On this episode: • A dad in Florida gave his house to his daughter. The 55 plus rule became a problem.• Evaluating that old stock from mom and dad.• Gold was all the rage last year, now what? 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.

Retire at 55: The Complete Retirement Strategy Plan In this video, we walk through a full retirement plan for someone leaving the workforce at 55, including how to create reliable income, manage investments, plan for healthcare before Medicare, reduce future taxes, and make your savings last throughout retirement.

You Have $250K Saved—Now What? (5-Minute Retirement Plan)Have $250,000 saved for retirement and wondering what to do next? In this video, I'll walk you through a practical 5-minute retirement plan to help you make smart decisions about your savings.We'll cover:How much retirement income $250,000 could realistically provideCommon mistakes that can cause retirees to run out of moneyWhich accounts to withdraw from firstHow Social Security fits into your planSimple strategies to help your retirement savings last longer**Schedule your free virtual consultation

On this episode: Is market volatility really the biggest retirement concern, or is there a more important question hiding in plain sight? "Whatever's left, they can have" sounds simple. Why that mindset may create challenges for spouses, children, and heirs. Healthcare costs, spending habits, and other unexpected realities can reshape retirement faster than many people anticipate. A large IRA could create unexpected tax consequences. Discover why timing may matter more than many retirees realize. Most retirees picked guaranteed income over a lump sum. Their answer reveals an intriguing retirement mindset. Advisor fees can add up over time. A closer look may raise questions many investors never think to ask. 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.

Studies show that the happiest decade of our life is our 60s. What should you be doing to make that a reality? 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.

Can You Retire at 55 With $800,000? (Using the Rule of 55)Are you 55 years old with around $800,000 saved for retirement? You may be closer to retirement than you think.In this video, I'll walk through a real retirement scenario and explain how the Rule of 55 works, allowing many people to access their 401(k) without the normal 10% early withdrawal penalty if they leave their employer at the right time.**Schedule your free virtual consultation

On this episode: She bought her dream house on the beach but may have done it the wrong way. Is the greed factor getting you in this stock market? If you delay Social Security and draw off your 401(k), does the math work? 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.

Can I Retire at 63 with $350,000?!?Can you really retire at 63 with $350,000 saved for retirement? In this retirement video, we break down the real numbers behind retirement income, Social Security, retirement healthcare costs, retirement withdrawals, and lifestyle expectations to see what's actually possible in retirement. **Schedule your free virtual consultation

What if the biggest reason retirees avoid annuities has nothing to do with the product itself? Greg examines why annuities continue setting sales records while remaining one of the most criticized financial tools. He breaks down the differences between annuities, CDs, and market-based investments, explains the role of guarantees and risk management, and shares his perspective on why parts of the financial industry push back against them. Plus, a look at where annuities may fit within a broader retirement strategy. 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.

On this episode: Micron's earnings sparked excitement, but market volatility remains. Greg explains why retirement planning shouldn't depend on stock picking or chasing the next hot investment. From 401(k)s to advisory accounts, fees can quietly drain retirement assets. Greg breaks down the true cost of financial advice and why value matters. An advisor suggested borrowing instead of spending retirement money. Greg examines the math, tax consequences, and why some retirement advice may not serve clients. Delayed dreams, working too long, tax mistakes, and outdated estate plans. Greg shares lessons retirees wish they had learned sooner. 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.

Can You Retire at 63 With $850,000? Here's the StrategyIn this retirement video, I walk through a retirement strategy for someone who is 63 years old with $850,000 saved for retirement. We'll look at how retirement income, Social Security timing, retirement withdrawal needs, taxes, and healthcare can all impact whether retirement is actually realistic. The goal isn't just to ask “Can I retire?” — it's to build a retirement strategy that helps your money last.**Schedule your free virtual consultation

On this episode: Most people believe they will be in a lower tax bracket and will get tax refunds in retirement. That may not be true. Is it time to pull back on your market risk when you retire? Financial advisors get paid in many ways. What is right for you? 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.

Can I Retire at 60 with $285,000 Saved For Retirement?!?Can you really retire at age 60 with only $285,000 saved? In this video, I break down a real-world retirement scenario and show what kind of income $285,000 may be able to generate. We'll discuss Social Security, spending needs, healthcare costs, and the key factors that determine whether retirement is realistic. If you're approaching retirement and wondering if you've saved enough, this analysis will help you understand your options. **Schedule your free virtual consultation

What if everything the financial industry has told you about retirement isn't quite the full story? Headlines insist you need $1.8 million to retire, yet only 3% of retirees actually have that — and 82% say they have enough and are happy. So what's really going on? On this episode, Greg Aler unpacks why the industry leans on fear, inflation talk, and savings targets to keep retirees uncertain and dependent. 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.

On this episode: Maybe we don’t all need a million dollars to retire. Are we all leaning too much on our 401(k) money? It worked for mom and dad, why won’t it work for me? 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.

Turn Your Savings Into Retirement Income With This Simple RuleIn this video, I explain the Rule of 1000, a simple way to estimate the monthly retirement income your nest egg may be able to provide. Whether you have $250,000, $500,000, $1 million, or more saved, this rule can help you quickly determine if you're on track for the retirement lifestyle you want.**Schedule your free virtual consultation

On this episode: Many retirement plans fail in the first 5 years of retirement…why? Is an IRA-to-Roth conversion a good move for you? One article says be careful. How one man had to wait 5 years to settle his father’s estate, only to find out about a big tax surprise. 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.

Most Retirees Will Run Out of Money. Here's Why. Many Americans enter retirement believing they have enough saved, but the reality can be very different. Inflation, healthcare expenses, taxes, market volatility, and spending habits can put tremendous pressure on a retirement portfolio over time. **Schedule your free virtual consultation

On this episode: The over heated stock market, the war, and inflation: Are these things keeping you from retiring? Have we found the perfect number for your IRA-to-Roth conversion? The purpose for a Will and how you spend your inheritance. 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.

I'm 50 With $150K Saved. When Can I Retire?Is $150,000 enough to retire? If you're 50 years old and have $150K saved for retirement, you may be wondering whether you're on track, behind, or closer than you think.**Schedule your free virtual consultation

Don't Retire Until You Understand These ExpensesRetirement is about more than replacing your paycheck. Many retirees are surprised by the real costs that show up after they stop working.In this video, we break down some of the biggest retirement expenses people often underestimate, including:• Health insurance before Medicare• Medicare premiums and out of pocket costs• Inflation and rising everyday expenses• Housing and property taxes• Travel and lifestyle spending• Long term care concerns• Taxes in retirement• Emergency expenses and unexpected repairsIf you are planning to retire in the next 5 to 10 years, understanding these costs now could help you avoid major financial stress later.**Schedule your free virtual consultation

Maybe your family is one that doesn’t talk about money. That can come back to haunt you after the passing of a loved one. 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.

On this episode: When tech stocks are up 200%, is it real? Whirlpool stopped paying its dividend after 70 years. Does that mean something? Want to know how much you’ll need per month in retirement? The new averages are out. 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.

Retire At 60 With $225K: Where Should You Take Income From First?If you're retiring at 60 with around $225,000 saved, the order you take income from can make a huge difference in how long your money lasts.In this video, I walk through a practical retirement withdrawal strategy, including which accounts may make sense to tap first, how to think about taxes before Social Security and Medicare, and common mistakes that can drain retirement savings faster than expected.Retirement income planning is not just about how much you saved. It is about how efficiently you use it. **Schedule your free virtual consultation

You may love your job and gladly work 60 hours a week. What challenges does that bring for your retirement? 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.

On this episode: Some people retire with strong finances but still struggle—because retirement isn’t just about the numbers. Why are annuities suddenly gaining traction among retirees? Retirement withdrawals aren’t always rule-based—how you pull income can be more flexible than you might expect. Family inheritance plans can look simple on paper, but real-life dynamics often make them far more complicated. 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.

Can I Retire at 63 With $350K?Can you really retire at 63 with $350,000 saved? In this video, we break down the real numbers behind retirement income, Social Security, healthcare costs, withdrawals, and lifestyle expectations to see what's actually possible.Too many people think they either need millions to retire… or that $350K automatically means they're out of options. The truth is somewhere in the middle.**Schedule your free virtual consultation

Ever look out the window at work longing to be out there instead of at your desk? Most everybody does, but it takes on a different meaning in your 60s. Greg is joined by Golden Reserve President Phil Huff to discuss when you know it’s time to be done. 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.

On this episode of Fire Your Financial Advisor: Can you “break the bank” on a retirement whim? Sometimes boring is better with investing. Is Vanguard taking it too far? When the estate had bills, how much do you have to pay? 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.

Why People FAIL Retirement (It's Not What You Think)Most people think retirement fails because of a bad stock markets, not saving enough for retirement, or retiring too early… but that's usually not the real reason.In this retirement video, I break down the true causes of retirement failure—and the retirement mistakes I see over and over again as a financial planner. These are the hidden risks that can quietly derail even solid retirement plans if you're not paying attention.**Schedule your free virtual consultation

If your kids are shocked by what’s in your will, the damage may already be done. On this episode of Fire Your Financial Advisor, Greg Aler digs into why inheritances so often spark family conflict and how unclear estate planning can turn grief into litigation. Greg draws from years as an estate attorney to explain common flashpoints—unequal distributions, family businesses, estranged children, and last‑minute changes—and why will contests almost never end well. The conversation focuses on intent, communication, and documentation, highlighting why tough conversations held early can shape very different outcomes later. 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.

Can I Retire at 62 with $400,000?!?In this retirement video, we break down whether $400,000 is enough to retire at age 62, how long your retirement money may last, and the key factors that determine if early retirement is realistic. We'll cover Social Security at 62, retirement income planning, retirement withdrawal strategies, taxes in retirement, healthcare costs before Medicare, inflation, and how much monthly income a $400k portfolio can potentially generate.**Schedule your free virtual consultation

What are the pros and cons of dipping into your 401(k) to let your Social Security payment grow? 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.

On this episode: Coming to grips with watching your balance go down in retirement. Should you ever put personal money into a workplace 401(k)? What happens when your advisor invests your money in ways you never asked for? 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.

How to Pay $0 in Taxes During RetirementAre you paying more taxes in retirement than you need to?In this video, I break down the strategies that can help retirees legally reduce — and in some cases eliminate — taxes on retirement income. We'll talk about how different income sources are taxed, including Social Security, IRAs, 401(k)s, Roth accounts, dividends, and brokerage accounts.How to Pay $0 in Taxes During Retirement**Schedule your free virtual consultation

Everyone loves to hate annuities—yet $464 billion poured into them last year. What do all those retirees know that the loudest critics don’t? 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.

On this episode: Without all that employer income, why do retirees get into tax troubles? IRAs often look like savings—but they can turn into one of the biggest tax liabilities retirees and their families face. A headline promises to boost your 401(k), but what’s actually being added behind the scenes? 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.

If you're aiming to retire at 60, the question isn't just “Can I Retire?” — it's “What will it actually take to make it work?”In this video, I break down the key factors that determine whether retiring at 60 is realistic.**Schedule your free virtual consultation

On this episode: The fallacy of “When you do better, we do better.” Hidden costs that may surprise you in retirement. Many happy retirees have established this bucket of money. 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.

55 With $150K… Are You Closer to Retirement Than You Think?If you're 55 years old with $150,000 saved for retirement, you might be wondering… am I behind, or do I still have a shot?The truth is, retirement isn't just about how much you've saved—it's about how you plan.**Free Book

Being debt free is a great goal in retirement. But at what cost? Sometimes paying off that mortgage makes more psychological sense than financial sense. 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.

How to Retire at 60 With ONLY $200K (Is It Possible?)Is it really possible to retire at 60 with just $200,000 saved?In this video, we break down what retirement would actually look like with $200K—what income it could generate, the biggest risks most people overlook, and the key decisions that determine whether this is realistic or not.We'll cover:• How much monthly income $200K can actually produce• The biggest mistake people make when estimating retirement needs• What expenses must be controlled for this plan to work• Alternative strategies to stretch your savings further• When working longer vs. retiring early really makes senseIf you're approaching retirement and wondering “do I have enough?”, this video will give you a clear, honest framework to think through your next steps.**Schedule your free virtual consultation

53 With $1.1M Saved… Am I Ready to Retire? If you're 53 with $1.1M saved, you're ahead of most people—but are you actually ready to retire?In this video, I break down what that portfolio could realistically generate in monthly income, and the key factors that will determine if it's enough (or not). It's not just about the number—it's about your spending, timeline, and risk.Before you make any big decisions, make sure you understand what your money can actually do for you. **Schedule your free virtual consultation

Andy chats with fellow retirement planner Bradley Hilton, CFP®, TPCP®, MBA from Sonas Financial Planning. In this episode they talk about a wide array of retirement planning topics such as tax planning, distribution strategies, investing, annuities, long-term care insurance, what consumers often overlook in retirement planning and much more!Links in this episode:Bradley's advisory company website - https://www.sonasfp.com/ or https://www.sonasfinancialplanning.comTax Foundation summary of state-level estate and inheritance taxes (as of 2025) - here To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comTenon Financial monthly e-newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com