Podcasts about Retirement planning

As the new year begins, Roger Whitney launches a new Retirement Plan Live case study, introducing Henry and Lucy, a couple in their mid-40s pursuing Financial Independence and Retire Early (FIRE). Roger revisits the 4% rule as a planning heuristic, explains when it can be helpful, and sets the stage for a live community analysis later this month. The episode closes with a Smart Sprint focused on updating your net worth statement and a listener's word for 2026.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(00:30) Roger introduces a new Retirement Plan Live case study series and previews the upcoming live community meetup on January 29.RETIREMENT TOOLKIT(01:58) Roger revisits the 4% rule, explaining what it is, where it came from, and why it is often misunderstood.(04:55) Roger talks about the 25x rule commonly used in the FIRE community.(06:38) He discusses the drawbacks of using these heuristics and who they are best used for.(11:05) Roger shares how the 4% rule can help overfunded retirees move beyond scarcity and spend more intentionally.(13:55) A breakdown of FIRE- Financial Independence, Retire Early.RETIREMENT PLAN LIVE(17:41) Roger introduces Henry and Lucy.(20:01) They share how they discovered FIRE and what it means to them.(23:10) Lucy reflects on spending habits, saving, and budgeting(25:30) Henry talks about the start of their relationship.(28:12) Henry and Lucy discuss how saving impacted their lifestyle.(31:20) They discuss what drives their desire to retire early.(32:55) Roger reflects on his first impression of the FIRE Movement.(34:15) What are the obstacles of retiring so early?(38:45) Roger talks about the difference between a complicated problem and a complex problem.(40:35) Roger asks if they think about landmines that could pop up with such a long retirement.(43:57) Roger invites listeners further along the retirement path to share perspective and advice for their 40-something selves.SMART SPRINT(45:20) Roger encourages listeners to update their end-of-year net worth statement and identify trends for the year ahead.WORD OF THE YEAR(47:31) Listener Lindsay shares her word for 2026: Listen, and Roger reflects on the value of deep listening.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManLivewithroger.comThe Millionaire Next Door: The Surprising Secrets of America's Wealthy- Thomas J Stanley, Ph.D.

A new year is the perfect time to reset your financial life. Miguel Gonzalez shares 5 easy habits to help you start strong, stay consistent, and make 2026 your most financially confident year yet.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Is your retirement strategy just a wish—or a real plan with actionable steps? In this episode, Matt Deaton explains why setting clear goals, building a written financial plan, and preparing for life’s speed bumps are essential for success in 2026. Learn how to bridge income gaps, optimize tax strategies, and adjust for changing market conditions. Discover the power of documenting your plan, uniting your household around shared goals, and building habits that last. It’s a practical guide to turning intentions into results for your best retirement yet. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

An 88-year-old forced to work after losing his pension highlights the urgent need for a real retirement income plan. In this episode, Jim Fox shares why relying on luck or outdated strategies isn’t enough—and how a written, personalized plan can help you avoid financial heartbreak. Learn how to balance annuities, CDs, dividend accounts, and market investments to create reliable income, address healthcare costs, and safe guard your family’s future. Discover why honest advice and clear options matter more than sales pitches, and why taking action now can change your retirement story. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

What if the market feels calm now—but your portfolio is quietly exposed to far more risk than you realize? Brandon Bowen digs into why news headlines, index returns, and “set‑it‑and‑forget‑it” diversification can create blind spots for pre‑retirees. He breaks down how overconcentration, hidden overlap, and outdated mutual funds can magnify losses when volatility returns, and why understanding your true risk level matters as retirement approaches. This episode offers a clear look at the questions every investor should ask before the next market shake‑up. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

How long would $1.5 million really last in retirement—and what if you’re forced to retire before you’re ready? In this episode, Art McPherson breaks down the realities of taxes, Social Security, and unexpected life changes, sharing practical strategies for building a resilient retirement plan. From navigating Medicare premiums to setting meaningful goals instead of empty resolutions, discover how to adapt, thrive, and make your money work for you—no matter what the new year brings. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Much like when parents try to put off the "talk" when their kids are younger, they often avoid sharing estate plans when their children are older. Greg Aler explains how clear communication on wills and trusts—especially in blended families—prevents probate battles and protects your legacy with a simple, actionable roadmap. 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 one smart shift in your retirement plan could change your entire financial future? On this episode, Kevin Madden walks through real stories that reveal how rethinking traditional strategies can boost income, strengthen security, and simplify retirement planning. From guaranteed income options to modern tools like Monte Carlo simulations, Kevin shows how today’s retirees can build flexible, sustainable plans tailored to their lives and why personalized planning—not outdated rules of thumb—matters more than ever. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Before making big moves with your 401(k) at retirement, Greg Aler and Phil Huff explain why understanding your goals is more important than defaulting to “safe” investments. 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.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you a business owner who technically has freedom—but still can't take a random Friday off without guilt or cash flow stress?Too many Canadian entrepreneurs feel like prisoners to their own businesses. You built your company to escape the grind, yet you're still chasing invoices, sweating over tax bills, and wondering if you'll ever feel actually free. This episode dives deep into what real financial freedom looks like—not someday at 65, but today—with systems that let you own your time, not just your job. Whether you're trapped by cash on the sidelines, stuck in short-term tax thinking, or overly reliant on the "retirement pile" myth, it's time to reset your strategy.Listen now to learn:The two essential "flywheels" every business owner must build—and why ignoring one keeps you stuck.How to escape four hidden money traps, including the CRA tax drag and corporate liquidity pitfalls.Why true financial freedom is about control, not accumulation—and how to design for it now, not later.Press play to rethink freedom, reclaim your time, and start building a business that works for your life—not the other way around.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.Canadian entrepreneurs seeking financial freedom often find themselves caught in hidden money traps that stall cash flow and wealth building. This episode of Canadian Wealth Secrets dives into powerful financial strategies tailored for business owners—covering everything from corporate wealth planning and tax-efficient investing to optimizing RRSP room and choosing between salary vs dividends in Canada. We unpack how to align your financial vision with practical tools like the iReady to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Tripp Limehouse delves into the concept of financial independence, emphasizing that it goes beyond just accumulating wealth. They discuss the emotional aspects of retirement, the importance of creating income and distribution plans, and the role of passive income in achieving financial stability. The conversation also covers retirement savings trends, the transition from accounts to plans, and the significance of estate planning. Additionally, they highlight the importance of catch-up contributions, navigating hardship withdrawals, and preparing for healthcare costs in retirement. The episode concludes with a focus on long-term care planning and the necessity of having a comprehensive retirement plan. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Tripp Limehouse discusses the financial challenges faced by baby boomers as they approach retirement. He highlights common financial missteps, the importance of proper planning, and the role of social security in retirement income. Tripp emphasizes the need for a comprehensive financial strategy that includes understanding social security benefits and avoiding reliance solely on them. The discussion also touches on the Green Line Principle as a safe money strategy for retirement planning. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Can you believe it's 2026 already?? Ready or not here we go! In this episode, I'm sharing the updated tax brackets, standard deductions, capital gains brackets, IRMAA brackets, provisional income brackets, and more.

Deanna Strable, CEO of Principal Financial Group, spoke about the company's array of products, its stock performance, and more. Learn more about your ad choices. Visit megaphone.fm/adchoices

With almost 25 years of experience as a financial advising professional, Jeff Panik knows that his job is to help clients strike a balance between living well today and planning for the future. Jeff founded Balance Wealth Partners with a simple goal in mind: to create tailored plans for intentional living.Throughout his career, Jeff has worked with hundreds of families, individuals, and small businesses to help them set goals, strategically manage their assets, and work towards achieving their dreams. The first in his family to attend college, Jeff attended Duquesne University in Pittsburgh, PA. After graduating, Jeff enlisted in the U.S. Army, spending much of his service in South Korea and later at Fort Bragg in North Carolina. When Jeff completed his service, he was honorably discharged and began working as a Financial Advisor trainee at a large brokerage firm. Jeff has worked at both large investment and independent financial planning firms, and today believes that being independent allows him to offer the personalized service and independent financial advice his clients need and deserve.CONTACT DETAILS: Email: jeff@balancewealthpartners.com Business: Balance Wealth PartnersWebsite: www.jeffreypanik.com                www.balancewealthpartners.com Social Media:LinkedIN - www.linkedin.com/in/jeffpanik/ Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.(00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.RETIREMENT TOOLKIT(03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.(05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.RETIREMENT LIFE LAB(13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.ROCKING RETIREMENT IN THE WILD(19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.FOCUSING FORWARD: A WORD FOR 2026(21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.(28:40) Roger reveals his own word for 2026.SMART SPRINT(34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.CLOSING THOUGHTS(34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManFinancial Calculators from Dinkytown.net

In this episode, Miguel Gonzalez shares practical strategies to help you make smart spending decisions that align with your future goals. Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients. #CortburgSpeaksRetirement #SmartSpending #BigPurchases #FinancialGoals #MiguelXGonzalez #BudgetTips #MoneyManagement #CarBuyingTips #HomeBuyingAdvice #RenovationBudget #EmergencyFund #FinancialHealth #SinkingFund #RetirementPlanning #PersonalFinance #MoneyMindset #Cortburg #FinancialFreedom #SpendSmarter #WealthBuilding Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereAre you unknowingly turning your RRSP into a massive tax bill instead of a wealth-building tool?Most Canadians — especially incorporated business owners — obsess over contributing to their RRSPs but give almost no thought to how that money comes out. Without a clear withdrawal plan, years of disciplined saving can result in forced withdrawals, top tax brackets, and a painful handoff to the CRA later in life. This episode reframes RRSPs not as a “set it and forget it” account, but as one moving part in a much bigger wealth system that needs intention, timing, and strategy.In this episode, you'll discover:How to use low- or no-income years to strategically draw down your RRSP before forced withdrawals kick inHow leverage strategies can offset RRSP taxes while increasing access to capital and preserving net worthWhy delaying other income sources like CPP and OAS can dramatically improve your overall tax efficiencyPress play now to learn how to turn your RRSP from a future tax liability into a flexible, intentional part of your long-term wealth system.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle…taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.A strong Canadian wealth plan for business owners goes far beyond saving—it's about aligning RRSP optimization, meltdown strategies, and tax-efficient investing within a clear financial system. By understanding personal vs corporate tax planning, salary vs dividends in Canada, and how to structure financial buckets across RRSPs, corporations, real estate, and non-registered investments, entrepreneurs can reduce income tax while building long-term wealth. Thoughtful retirement planning tools, capital gains strategies, and passive income planning support financial Ready to connect? Text us your comment including your phone number for a response!Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

With 4 million people retiring every year, there are bound to be “bad actors” out there in the financial planning world. How do you spot them? 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.

When the market takes a “Wile E. Coyote” leap, will your retirement plan stay standing? In this episode, Kevin Madden breaks down why understanding your true risk tolerance matters more than chasing returns and explore how mismatched risk, hidden overlap in portfolios, and market volatility can derail long‑term plans — and how smarter defense, steady offense, and guaranteed income strategies can help protect what you’ve built. Learn how to align your portfolio with your comfort level and avoid common pitfalls that sabotage retirees. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

A surprising retirement trend is reshaping financial plans—and it’s happening faster than many expect. In this episode, Steve Anzuoni digs into why so many Americans are accelerating their retirement timelines and how shifting from “autopilot saving” to intentional planning can make all the difference. Steve shares real client stories, the power of organizing your financial “buckets,” and why proactive reviews can help you navigate uncertainty, support aging parents, and protect your legacy with confidence. This conversation is all about clarity, practicality, and taking ownership of your future. 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.

Are you sure your retirement plan can withstand the realities of the future? On this episode, Steve Hoyl breaks down the overlooked decisions that shape your financial life after work. From income gaps and spending habits to risk exposure, outdated 401(k)s, taxation, and maximizing every asset, they reveal how thoughtful pre‑retirement planning helps you stay in control. Learn how everyday choices, forgotten accounts, and evolving tax laws influence long‑term stability—and why understanding your numbers today matters for tomorrow. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

If nothing is done, Social Security will be cutting back benefits in less than 10 years. There are a lot of ideas to solve the problem, but no one can agree. We’ll look at some of the ideas and discussion. Like this episode? Hit that Follow button and never miss an episode!

If you're 50+ and making catching catch-up contributions to your employer 401k plan, this episode is for you. In 2026, you might have to change how you save to your employer plan if you earn to much money. In this episode, I share what you need to know about these new rules and how you can save with intention.

Want clearer context around today's most discussed retirement planning questions—without hype or shortcuts? In this episode of the Money Matters Podcast, Wes Moss and Christa DiBiase address listener questions and planning scenarios that illustrate how retirement income, investing decisions, and lifestyle priorities are commonly evaluated over time. • Explore how holiday traditions and intentional rest are often discussed as elements of lifestyle planning throughout retirement. • Review early retirement scenarios by outlining how asset allocation, withdrawal considerations, and legacy goals are typically framed in planning conversations. • Compare alternatives to 529 plans for grandchildren by discussing custodial Roth IRAs, joint accounts, and UTMA accounts, along with commonly referenced considerations. • Clarify how financial advisors are frequently described beyond investment selection by addressing coordination, decision-making support, and long-term planning oversight. • Explain how the Rule of 55 is commonly referenced when discussing early access to retirement accounts and retirement timing considerations. • Illustrate an international retirement example through “Almost Free Freddie,” reviewing how cost-of-living assumptions, pensions, VA income, and rental properties are often evaluated. • Discuss the role of small- and mid-cap stocks within diversified portfolios and how companies may evolve across market cycles. • Reassess the “happy retiree” home-value benchmark by placing housing inflation and mortgage status into broader retirement planning context. Designed to provide clarity, perspective, and education—not predictions—this episode adds structure to complex retirement topics. Listen to the Money Matters Podcast and subscribe for ongoing discussions centered on retirement planning, investing principles, and long-term financial decision-making.

Send us a textThe end of the year is a great time to look forward and backward to evaluate where you've been, and where you're going!If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

What happens when you reach retirement with millions saved—but realize you never learned how to enjoy it? Brandon Bowen explores the surprising regrets of over‑savers and why unspent wealth often reflects fear, habit, or lack of planning. Through real client stories—including retirees who waited too long to travel and those finally learning to loosen their grip—he highlights how purpose, memories, and intentional strategy shape a more meaningful financial life. This episode challenges listeners to rethink what their money is truly for. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Feeling stuck on the Roth‑conversion “hamster wheel”? This episode breaks down why blanket percentages don’t always work and how market swings, tax brackets, and timing can all affect whether a conversion strategy fits your retirement picture. Frank and Frankie Guida explain how determining the right dollar amount—not just a percentage—can help retirees navigate taxes, manage appreciated assets, and understand when conversions may or may not be appropriate. They also walk through real listener scenarios to illustrate how thoughtful planning can shape long‑term financial outcomes. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

What if your biggest retirement challenge isn’t the market, but the lack of a real plan? Brandon Bowen unpacks why many people enter retirement with savings but no strategy—mistaking a 401(k) for a full financial roadmap. He explains how taxes, budgeting, dividends, income sources, and purpose all shape a more intentional retirement, and why understanding your “why” matters as much as your numbers. With real client stories and practical guidance, this episode reveals what it takes to align your finances with the life you want to live. Schedule your complimentary appointment today: gaiserfinancial.com Follow us on social media: Facebook | LinkedIn Tune in to Wealth Thru Wisdom with Bryan Gaiser every Saturday at 10:00 AM on 94.5 WPTI. See omnystudio.com/listener for privacy information.

What happens if you inherit a house—or an IRA—without a plan? This episode of Financial Straight Talk with Jim Fox dives into the real-life consequences of legacy planning mistakes, from losing out on a step-up in basis to getting tangled in probate. Learn why quick fixes like “quick claim” deeds can backfire, how a Ladybird deed can simplify inheritance, and why having a written plan matters more than any single product. Discover the difference between having financial products and having a true retirement strategy. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Healthcare may be your biggest retirement wildcard, and this episode unpacks what many retirees overlook. Joshua Barbin breaks down the real costs of Medicare, long‑term care, pharmaceutical expenses, and supplemental coverage so listeners can better understand the financial impact of aging. He also explains why enrollment timing matters, how HSAs can offer unique tax advantages, and what proactive planning steps can help reduce future surprises. Whether you're approaching 65 or already retired, this conversation sheds light on the practical realities of managing healthcare in retirement. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if the next market crash isn’t the real story—your reaction to it is? Mike Douglas breaks down why predictions of an inevitable downturn miss the point and why retirees should focus instead on balancing growth, income needs, and risk. He explains how fear, FOMO, and uncertainty can push investors into extremes, and why having both an up‑market strategy and a down‑market strategy matters. With real‑world examples of past corrections and practical planning insights, this episode shows how thoughtful structure—not panic—guides long‑term financial confidence. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

As the year closes, federal employees can't afford to miss critical planning opportunities that protect their retirement and avoid costly mistakes. In this episode of the Plan Your Federal Retirement Podcast, Micah Shilanski, Wealth Advisor, and Luke Eberly, Wealth Advisor, break down real-world, end-of-year action items they are actively handling with clients right now. They talk about last-minute planning for 2025, including Required Minimum Distributions (RMDs), Qualified Charitable Distributions (QCDs), Roth conversions, and estimated tax payments, all with a focus on being aware of IRS penalties. Tune in to learn about strategies for January 2026, like new TSP contribution limits, Roth and HSA planning, and why it's better to start early rather than wait until the end of the year. If you are a federal employee or retiree who wants to end the year well and begin the next one with clear plans and confidence, this episode offers practical tips you can use right away. https://zurl.co/iaMcA

Jessica Ray explains how younger generations approach finances differently from their predecessors. She notes a shift from traditional retirement planning to a more balanced approach incorporating "soft savings" and prioritizing experiences. Ray highlights the impact of lived experiences like the COVID-19 pandemic on financial independence and the rise of alternative investments. She also discusses the evolving role of financial advisors, emphasizing active listening and guiding clients in building multiple income streams.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Choosing your retirement date may seem like a small detail, but for federal employees, it can have a significant financial impact. In this podcast episode, David Raetz of Benchmark Financial Group explains how to align your exit date for maximum benefits and minimal income disruption for a smooth transition into retirement.---------------------------------------------------------------Connect with Benchmark Financial Group:Website | bfgkc.comLinkedIn | @benchmark-financial-group-llcFacebook | @BenchmarkFinancialGroupLLCBenchmark Financial Group is located at 10975 Benson Dr., Suite 500, Overland Park, KS 66210, Corporate Woods Building 12. You can contact us by visiting our website at https://bfgkc.com, calling 913.227.4224, or emailing David at david.raetz@bfgkc.com.Securities and Advisory Services are offered through CreativeOne Securities, LLC. Member FINRA/SIPC and an Investment Advisor. Benchmark Financial Group, LLC, and CreativeOne Securities are not affiliated companies.

Ever wonder if there's more to wealth than flashy cars and mansions? In this episode, Matt Allgeyer and Kyle Jones lift the curtain on the real habits of America's quietly successful retirees—the ones you'd never guess have seven digits in the bank. From wig-filled office holiday parties to stories that redefine what “living in paradise” can mean, you're in for a ride that's equal parts entertaining and enlightening. The guys share a roadmap that's not about living in the headlines, but about living well—and on your terms.Curious how the truly wealthy stay under the radar while their bank accounts grow? Ready to find out why the most valuable thing you can buy isn't a Porsche, but time itself? This episode isn't another lecture on penny-pinching or investment jargon. It's packed with surprising stories, insider strategies, and the little habits that just might change the way you think about your own retirement journey. Fasten your seatbelt and tune in—you never know what twist is around the corner on Your Retirement Highway!Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

On this episode: Why is there a disconnect between what people want and what financial advisors provide? Don’t fall prey to “bad actors” in the financial world. What are the actual steps to dialing back your portfolio risk? 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.

Looking for clear context around today's most talked-about retirement planning issues? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase present an educational discussion covering healthcare planning, retirement income considerations, Social Security decisions, and how current economic conditions are commonly framed in retirement conversations. • Review current healthcare enrollment periods, including Affordable Care Act considerations, and why coverage timing is often discussed by early retirees. • Illustrate a real-world healthcare planning example that examines estimating and managing medical costs before age 65 using publicly available comparison tools. • Explain recent healthcare policy changes by outlining how subsidy rules and updated federal poverty thresholds are referenced in retirement healthcare planning. • Contextualize recent Federal Reserve rate cuts by discussing how interest-rate changes are typically viewed in relation to mortgages, housing activity, and broader economic conditions. • Address listener questions by outlining commonly discussed considerations around retirement timing, asset allocation approaches, principal-protected notes, and early retirement trade-offs. • Compare Social Security claiming considerations by reviewing trade-offs associated with different filing ages based on individual circumstances. • Clarify how taxable, tax-deferred, and tax-free accounts are often viewed together when discussing overall portfolio allocation. • Share perspectives from retirees on aligning lifestyle goals—such as travel, part-time work, or relocating abroad—with sustainable withdrawal planning discussions. • Reinforce why significant financial and healthcare decisions are commonly reviewed with qualified professionals before implementation. Interested in an educational retirement podcast focused on context, trade-offs, and long-term planning awareness? Listen to this episode and subscribe to the Retire Sooner Podcast for ongoing conversations designed to inform retirement planning decisions—not predict outcomes. Learn more about your ad choices. Visit megaphone.fm/adchoices

Laura Rehbein is guiding successful professionals—retired or not—with straightforward strategies that replace financial uncertainty with confidence and clarity.Laura Rehbein is a Private Wealth Advisor and founder of Impavid Wealth Advisors, a franchise of Ameriprise Financial Services, LLC. With 30 years of experience, she specializes in helping successful professionals and recent retirees turn financial uncertainty into clear, confident action. Laura works with those who've saved and succeeded— but now wonder what's next. Her planning process is designed to simplify complexity and provide practical peace of mind.Laura is the author of Fearless Finance, a relatable guide that helps people avoid “bad math,” plan for longevity, and address overlooked essentials like digital assets and pet trusts. Having taken on financial responsibility at just 12 years old, she brings empathy, realism, and wisdom to every conversation. Through personalized income strategies and ongoing support, Laura helps clients face the future with the fearlessness her firm's name—Impavid—was built on.Contact Details: Email: laura.l.rehbein@ampf.com Business: Impavid Wealth AdvisorsWebsite: www.impavidwealthadvisors.com Social Media:LinkedIN - https://www.linkedin.com/in/laurarehbein/ Facebook - https://www.facebook.com/ImpavidWealthAdvisorsEmail ImpavidWealthAdvisors@ampf.com with your name and address and and get a copy of your free bookRemember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable deductions work, common planning mistakes to avoid, and why generosity is most effective when paired with a resilient financial plan. Roger also shares a Rocking Retirement in the Wild story from a listener who is actively living a purpose-filled retirement, reflects on the corporate language we can leave behind when we retire, and answers listener questions on retirement readiness, gifting inheritance early, and the risks of relying on high-yield bonds for retirement income. He closes the episode with personal reflections on lessons learned, reminding listeners how to keep retirement simple, resilient, and meaningful while making a positive impact on others.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but confidently lean in and rock it.(00:20) Roger introduces a Christmas Eve episode focused on charitable giving, listener stories, answering questions, and reflecting on intentional retirement living.RETIREMENT TOOLKIT(03:45) Roger walks through the basics of charitable giving, including qualified charities, documentation requirements, and how deductions work with standard versus itemized returns.(07:55) Year-end timing rules for checks, credit cards, stock transfers, and donor-advised funds.ROCKIN' RETIREMENT IN THE WILD(09:30) A listener shares how, at 67, he backpacked 121 miles through Maine's 100-Mile Wilderness, reconnecting with longtime friends and staying physically engaged in retirement.(12:28) Roger reflects on why rocking retirement doesn't have to be impressive—only meaningful to the person living it.RETIREMENT LIFE LAB(13:03) Roger explores the idea of “retiring” corporate jargon in retirement and how simplifying language can help us reconnect and speak more human again.(18:21) Listeners are invited to share the words and phrases they are most looking forward to leaving behind.LISTENER QUESTIONS(19:50) Don asks why most people enter retirement with relatively little savings and what that reality means for financial and social stability.(29:25) A listener asks how to give inheritance before death without triggering taxes.(33:46) James asks whether using high-yield corporate bonds as the foundation for retirement income is a safe strategy.SMART SPRINT(42:08) In the next seven days, Roger challenges listeners to choose a single word for 2026 to serve as a guiding focus for the year ahead.CLOSING THOUGHTS(43:59) Roger shares final reflections on the lessons of the episode, emphasizing elegant simplicity, financial resilience, and showing up to help others in meaningful ways.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

 The holiday season isn't just about spending—it's about finding peace of mind. In this episode, Miguel Gonzalez shares how to reset your mindset, reduce money stress, and end the year feeling calm and confident about your finances. Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#Cortburg #FinancialPeace #HolidayBudget #MoneyMindset #StressFreeHolidays #GratitudeAndGoals #FinancialWellness #CortburgSpeaksRetirement #RetirementPlanning #YearEndPlanning #MindfulMoney #HolidaySpending #WealthPlanning #FinancialFreedom #EndOfYearChecklist #CortburgAdvisors #MiguelXGonzalez #HolidayStress #IntentionalSpending #MoneyTipsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Planning for retirement. Is it smart to follow what everyone else is doing? Can Life Insurance help with your retirement strategy? What is a 401k?  What is a 7702?  We discuss planning for retirement in this episode and the many different options and approaches that are available, and what people choose. Listen and get all the details now.

The #1 concern every year among retirees is the fear of running out of money. Some advisors are saying, maybe that’s on us. 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.

 This episode is sponsored by Lightstone DIRECT. Lightstone DIRECT invites you to partner with a $12B AUM real estate institution as you grow your portfolio. Access the same single-asset multifamily and industrial deals Lightstone pursues with its own capital – Lightstone co-invests a minimum of 20% in each deal alongside individual investors like you. You're an institution. Time to invest like one.____________What if the search for your “one true purpose” is actually making you miserable and the real path to a regret-free life is simpler than you think?In this insightful conversation, Dr. Bradley Block reconnects with returning guest Dr. Jordan Grumet to explore the ideas in his new book, The Purpose Code. Building on his first book Taking Stock, Jordan tackles the question he's asked most: “How do I actually find purpose?” He breaks down why we get purpose wrong, introduces Big P vs. little p purpose, and shares why focusing on process over outcome creates abundance, community, and lasting happiness. From hospice stories to personal examples like podcasting and baseball cards, Jordan shows physicians how to build purpose around what truly fills them up, without needing to quit medicine or chase scarcity-driven goals.If you've ever felt purpose anxiety or wondered whether being a doctor is “enough,” this episode offers a practical, liberating framework to live intentionally and regret-free.Three Actionable Takeaways:Distinguish Big P from little p purpose: Stop chasing scarce, audacious goals (e.g., curing cancer, becoming a billionaire) that breed anxiety and failure. Instead, identify activities where you love the process itself regardless of outcome or pay. Ask: “Would I do this even if no one paid me or noticed?” These abundant little p purposes bring joy, flow, and surprisingly greater impact.Build purpose now, not after financial milestones: Don't wait for financial independence to pursue what lights you up. Use the 5–6 hours of daily free time most people have to fill time slots with purposeful activities. At work, maximize what you enjoy (addition), minimize what you loathe (subtraction), or switch roles or employers to increase joy without blowing up your finances.Pair purpose with meaning for true happiness: Purpose (present/future actions that fill you up) needs meaning, a heroic narrative of your past, to thrive. Reframe past struggles as a hero's journey “I am enough” to quiet victim stories that sabotage new purposeful pursuits. Strong relationships and community naturally flow from living your little p purpose, which research shows is the biggest predictor of health and longevity.About the Show:Succeed In Medicine  covers patient interactions, burnout, career growth, personal finance, and more. If you're tired of dull medical lectures, tune in for real-world lessons we should have learned in med school!About the Guest:Dr. Jordan Grumet, known as Doc G, is an associate medical director at Unity Hospice, a Plutus award-winning podcaster for Earn & Invest, and a prominent voice in the Financial Independence, Retire Early (FIRE) community. With a background in internal medicine and a shift to hospice care, he authored Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life, which reshaped how people align money with values. His second book, The Purpose Code (releasing January 7, 2025), explores creating purpose through process rather than goals, drawing from his hospice insights and personal journey to inspire a fulfilling life.LinkedIn: http://linkedin.com/in/jordan-grumet-38a506179 Website: https://jordangrumet.com/ Podcast: https://podcasts.apple.com/ng/podcast/earn-invest/id1440355498About the Host:Dr. Bradley Block – Dr. Bradley Block is a board-certified otolaryngologist at ENT and Allergy Associates in Garden City, NY. He specializes in adult and pediatric ENT, with interests in sinusitis and obstructive sleep apnea. Dr. Block also hosts Succeed In Medicine podcast, focusing on personal and professional development for physiciansWant to be a guest?Email Brad at brad@physiciansguidetodoctoring.com  or visit www.physiciansguidetodoctoring.com to learn more!Socials:@physiciansguidetodoctoring on Facebook@physicianguidetodoctoring on YouTube@physiciansguide on Instagram and Twitter This medical podcast is your physician mentor to fill the gaps in your medical education. We cover physician soft skills, charting, interpersonal skills, doctor finance, doctor mental health, medical decisions, physician parenting, physician executive skills, navigating your doctor career, and medical professional development. This is critical CME for physicians, but without the credits (yet). A proud founding member of the Doctor Podcast Network!Visit www.physiciansguidetodoctoring.com to connect, dive deeper, and keep the conversation going. Let's grow! Disclaimer:This podcast is for informational purposes only and is not a substitute for professional medical, financial, or legal advice. Always consult a qualified professional for personalized guidance. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever wondered why so many people dream of early retirement but never actually do it? In this episode, I dive into the most common fears that hold people back from their dream retirement.

In this episode, Libby welcomes back Jeremy Keil to unpack how financial advisors can turn an intangible service into a clear, compelling, and repeatable client experience. Jeremy shares the evolution of his five-step Retirement Master Plan, how defining and naming a process transformed both his client outcomes and his business efficiency, and why creating a standardized framework is one of the most powerful growth levers advisors can implement. This conversation is rich with actionable insights, real-world scenarios, and practical guidance for building a more scalable practice.

Choosing when to collect Social Security is one of the most stressful retirement decisions people face, and it doesn't have to be.In this episode, Ari breaks down how most people actually decide when to claim Social Security, why there is no single “best” age, and how to think about the decision without fear or guesswork. Using real data and real-world scenarios, the focus stays on understanding trade-offs rather than chasing a perfect answer. Listen as Ari explains why some people claim as early as 62, why others wait until full retirement age or later, and how factors like income needs, longevity, and spousal considerations influence the decision. It also highlights why calculators alone often miss what matters most, and why peace of mind plays a bigger role than people expect. This is for anyone approaching retirement who wants a clearer, calmer way to think about Social Security and make a confident decision that fits their life.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Cotter Financial Group, LLC. is a community-based concierge-level retirement planning firm helping pre-retirees and retirees in the most critical phase of retirement known as the Retirement Red Zone. 10 years before and after retirement. They are a lifestyle-based planning firm. They do incorporate the numbers aspect while helping families and individuals plan for maximum enjoyment in retirement, while keeping in mind your values, relationships, and more importantly, how people wish to spend their precious time. So whether they are in retirement, on the verge of or just starting to prepare, they will help get people ready for what matters most and take action with more confidence. Focus areas are:Retirement Income Planning – safe, predictable, and guaranteedLegacy Planning – maximize to whom and what is left to heirsWealth Transfer – tax-efficient transfer strategiesEstate Planning – Wills, Trusts and Asset ProtectionSocial Security Optimization – claiming strategy guidanceWealth Management – safe and tax-efficient strategies for inflation riskLearn More: www.cotterfinancialgroup.comCotter Financial Group, LLC and Kinetic Investment Management, Inc. are two separate entities. Insurance products and services are offered and sold through individually licensed and appointed agents in all appropriate jurisdictions under Cotter Financial Group, LLC. Investment Advisory Services are offered through Kinetic Investment Management, Inc., a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-patrick-cotter-founder-of-cotter-financial-group-discussing-proactive-retirement-planning

Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jill. They talk about a wide array of retirement planning topics such as leaving the workforce relatively early, keeping expenses moderate yet still doing and enjoying a lot in life, what she wishes she would have known and done sooner for her retirement planning, and more!  Links in this episode:Tenon 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.comTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.com

In this episode, Roger Whitney walks listeners through the complexities of inherited IRAs, highlighting the impact of the SECURE Act of 2019 and clarifying the distinctions between eligible and non-eligible designated beneficiaries. He explains how these classifications affect withdrawals and tax planning, making the rules easy to understand. Roger also answers listener questions on topics like retirement team selection and funding health insurance with HSA accounts. Beyond the numbers, he shares practical strategies for creating more meaningful holiday conversations, drawing on real-life examples to show how curiosity and intentionality can help you connect more deeply with the people you care about.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you rock retirement.(00:30) In today's episode, Roger Whitney covers the rules around inherited IRAs, explores ways to foster deeper and more meaningful conversations during the holidays and beyond, and answers listener questions.RETIREMENT TOOLKIT(01:00) Today ​in ​the ​Retirement ​Toolkit ​we're ​going ​to ​talk ​about ​the ​rules ​around ​inherited ​IRAs.(02:40) Differences between eligible and non-eligible designated beneficiaries for inherited IRAs are explained.(14:32) Roger talks about ROTH IRAs and how they work.RETIREMENT LIFE LAB(16:04) Roger explains how approaching conversations with curiosity and intentionality, especially with older family members or those with different interests, can create more meaningful and enriching interactions.LISTENER QUESTIONS(25:37) Ira asks what to ask a financial advisor's team to understand their retirement planning services and team longevity.(37:02) Mary Jane asks if she can use Health Savings Account funds tax-free to pay for private health insurance premiums before Medicare eligibility.SMART SPRINT(38:42) In the next week, approach holiday or New Year's gatherings with curiosity by asking questions and engaging with people you don't see often to create more meaningful interactions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man