Podcasts about Retirement planning

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.

What does it really take to break through the myths of entrepreneurship and build a financially independent life—especially as a woman? In this eye-opening episode of The Angel Next Door Podcast, host Marcia Dawood invites listeners to rethink traditional notions of wealth, investing, and risk-taking by exploring the power of money mindset, resilience, and strategic investing.Our guest, Bernadette Joy, is a first-generation Filipino American, acclaimed author of "Crush Your Money Goals," and an entrepreneur who's achieved financial independence by age 40. As a life and money coach, Bernadette Joy opens up about her unconventional path from paying off $300,000 in debt to mentoring the next generation of women investors and entrepreneurs. Her journey is shaped by personal experience, a mission to help others overcome financial misconceptions, and a passion for demystifying the road to millionaire status—especially for women and communities of color.This episode dives deep into actionable strategies for getting your financial house in order, understanding the realities of angel investing, and building businesses designed for both growth and early retirement. Bernadette Joy shares candid stories—both successes and failures—offering a rare, honest perspective on what it means to curate your accounts, invest with intention, and heal your “money wounds.” Whether you're an aspiring investor, established entrepreneur, or simply looking for practical financial wisdom with heart and humor, this is a must-listen conversation that will inspire you to reimagine what's possible for your financial and entrepreneurial journey. To get the latest from Bernadette Joy, you can follow her below!https://www.linkedin.com/in/bernadebtjoy/https://www.crushyourmoneygoals.com/ https://a.co/d/1KJRwvJ - Crush Your Money Goals Bookhttps://www.instagram.com/bernadebtjoy/  Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comDo Good While Doing WellLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

 Before the year wraps up, take advantage of financial strategies that can save money and set you up for success. In this episode, Miguel Gonzalez, CRC, shares 5 important moves to make before December 31st. 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 #yearendchecklist #financialplanning #retirementplanning #smartmoney #FSAtips #taxplanning #budgetreview #financialcheckup #401kcontributions #holidaymoney #wealthbuilding #financialgoals #endofyearmoves #retirementstrategy #moneymoves #CortburgSpeaksRetirement #MiguelXGonzalez #financechecklist #financialhealth 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

At Summit, we believe salon professionals should be able to retire on their own terms. In this last episode in our Financials 101 series with CPA Chris Wittich from Boyum Associates, Chris explains why you should be saving for retirement now, even if you're working your very first job. Chris and Blake discuss retirment investment accounts for individuals like IRAs, Roth IRAs, and 401Ks. Also, did you know you can create an online account with the Social Security Administration and see how much you've been contributing in your working life so far? (We didn't!)From the salon owner perspective, we have advice on providing retirement plans for employees, and how to encourage your staff members to contribute. Find Chris Wittich and his team of salon accounting pros at salon.cpa.  Follow Summit Salon Business Center on Instagram @SummitSalon, and on TikTok at SummitSalon. SUMM IT UP is now on YouTube! Watch extended cuts of our interviews at www.youtube.com/@summitunlockedFind host Blake Reed Evans on Instagram @BlakeReedEvans and on TikTok at blakereedevans. His DM's are always open! You can email Blake at bevans@summitsalon.com. Visit us at SummitSalon.com to connect with others in the industry.

What’s the most overlooked opportunity in retirement planning? This episode explores the “sweet spot” for Roth conversions, how timing and tax strategy can make a difference, and why only a quarter of adults use a financial advisor for retirement. Damon Roberts breaks down common misconceptions, shares real-life stories, and discusses how to maximize your financial moves before year-end. Plus, hear how holiday traditions and giving back can enrich your retirement journey. 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.

Is your retirement plan built on myths that could cost you? This episode of Beyond The Money tackles common misconceptions about income, taxes, and annuities, revealing why sustainable planning matters more than chasing big returns. Host Jackie Campbell and the team at Campbell and Company break down how your financial history shapes your future, why tax surprises happen in retirement, and how annuities can provide stability—if you understand the details. Discover why your plan should evolve with your life, not just your assets. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Thinking about giving your kids or grandkids part of their inheritance now? Frank and Frankie Guida unpack the “giving while living” trend, revealing what you need to consider before making a big financial gift. Discover how a retirement roadmap can help you balance generosity with your own long-term security, and hear real stories of retirees navigating these decisions. 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 does mailbox money really mean for your retirement—and how do you build income you can count on? This episode of Financial Straight Talk with Jim Fox breaks down the realities behind annuities, market risk, and the art of balancing income with expectations. Hear why celebrity paychecks aren’t so different from yours, and discover how to find the right mix of investments for your personality and goals. Get a candid look at the math, the mindset, and the decisions that shape a retirement. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Is your financial advisor still the right coach for your retirement? Brandon Bowen breaks down the warning signs that it’s time for a second opinion, from outdated strategies to poor communication. Learn how to spot red flags, ask the right questions, and make sure your retirement plan is truly working for you. 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.

What happens if you leave your retirement plan on autopilot? This episode of the Retirement For Living podcast with JoePat Roop reveals the risks of “paralysis analysis” and the consequences of not having a clear financial strategy. Learn what to look for in a financial advisor, why credentials and fiduciary responsibility matter, and how a simple, personalized plan can help you avoid costly mistakes. Discover the importance of understanding your goals and building a roadmap that fits your life. 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.

Unlock the secret to giving back while saving on taxes! In this episode, certified financial planner Ryan Oliver reveals how qualified charitable distributions (QCDs) let retirees donate directly from their IRAs, reduce taxable income, and maximize their impact. Discover eligibility rules, annual limits, and practical tips to ensure your charitable gifts count—without triggering tax headaches. Whether you’re planning your first QCD or optimizing your retirement strategy, this episode breaks down the essentials in a clear, actionable way. 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 do Thanksgiving-flavored Oreos have in common with mutual funds? Sometimes, what looks exciting on the shelf doesn’t deliver in reality. In this episode, Ryan Herbert dives into the world of target date mutual funds and exploring why these “set it and forget it” investments may not be as safe as they seem, especially as retirement approaches. Learn how marketing hype can mask hidden risks and fees, and discover a smarter approach to retirement planning that’s tailored to your goals, not just your age. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

What happens when families avoid talking about inheritance? Mike Doulgas dives into the real-life drama of legacy planning, revealing why open conversations and financial education are crucial for preserving your legacy. Hear how secrecy can spark family conflict—and learn strategies to help your wealth last for generations. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Your 401(k) may be your biggest retirement asset. What are your options on how best to use it? Like this episode? Hit that Follow button and never miss an episode!

Rate & review the Simply Financial Podcast on ITunesTaken from an Article from Bank of America: https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/financial-fitness-tips1. Understand Your Assets & Liabilities2.  Assess Your Goals3. Check Your Credit Reports4. Name Your Beneficiaries5. Manage Your Taxes6. Check If Your Investments And Goals Align7. Determine If You Have The Right Insurance

Retirement technology is rapidly transforming the way advisors and plan sponsors deliver planning advice. In this episode of the 401(k) Specialist Podcast, Editor-in-Chief Brian Anderson sits down with Michael Allen, Morningstar Retirement's Global Head of Retirement Technology, to explore how innovation is making retirement advice more personalized, scalable, and impactful.Allen shares insights on how Morningstar turns ideas into digital solutions, the technologies most likely to redefine the participant experience—like AI, predictive analytics, and behavioral nudges—and how innovation stays grounded in what participants really need.Key Insights:AI boosts personalization in retirement planningMichael Allen shares how AI lets Morningstar offer dynamic, personalized advice. Instead of long forms, participants now engage in simple, human-like conversations.Innovation solves real user pain pointsMorningstar's tools, like “AI Insights,” were built to fix specific issues—such as time-consuming reporting—by highlighting key data instantly.Advice at scale with human oversightMorningstar combines AI with trusted forecasting tools. The goal: deliver tailored advice while letting advisors focus on what humans do best.

Buckle up for a lively ride down “Your Retirement Highway” as financial advisors Kyle Jones and Matt Allgeyer blend wit, wisdom, and a dash of local flavor! This episode isn't just about stocks, bonds, and market swings—it's about the one investment you can't buy more of: your time. From apple butter toast debates to stories of travel and missed baseball games, Kyle and Matt invite you to consider what your nest egg is really for, and challenge you to ask questions most retirees never think to ask.Ever wonder if your portfolio could weather another 2008? Or how to stop money worries from hijacking your golden years? Kyle and Matt dish out candid insights on risk, the hidden trade-off between returns and peace of mind, and the freedom (and urgency!) to use your wealth before Father Time catches up. Don't miss the conversation that might just change how you experience retirement—for good. Ready to hit the road?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.

You are invited to submit your questions about investing and retirement with our web site Askgregradio.com. This week we handle a question about your 401(k) and other tax deferred accounts. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

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:

Get the FREE Checklist Here: https://www.rivertreewealth.com/pre-65-retirement-checklist

Send us a textIn this episode of ABC's Apparenting Adult Children podcast, host James Moffitt talks with John Hankins, a certified financial therapist and licensed social worker. They discuss the importance of financial literacy for young adults, the emotional connections to money, and the challenges parents face when supporting adult children financially. John shares insights on budgeting, saving, and managing credit, while James reflects on his own financial journey and the lessons learned from his parents.Keywordsfinancial literacy, adult children, budgeting, saving, credit management, financial therapy, emotional connections, retirement planning, financial stress, financial educationTakeawaysFinancial literacy is crucial for young adults to manage their future effectively.Parents should lead by example in teaching financial management to their children.Understanding emotional connections to money can improve financial decision-making.Budgeting and saving are foundational skills for financial stability.Credit management is essential to avoid long-term debt issues.Parents often face challenges when financially supporting adult children.Retirement planning requires careful consideration of long-term financial needs.Financial therapy can help individuals and couples manage financial stress.The financial markets' volatility requires a balanced and informed approach.Open communication about money can strengthen family relationships.Sound bites"Financial literacy is crucial for young adults.""Lead by example in financial management.""Emotional connections to money matter.""Budgeting is a foundational skill.""Credit management is essential.""Supporting adult children is challenging.""Plan carefully for retirement needs.""Financial therapy can ease stress.""Market volatility requires balance.""Communication strengthens family ties."Chapters00:00:00 Introduction and Guest Introduction00:00:00 Understanding Financial Therapy00:00:00 Financial Literacy for Young Adults00:00:00 Challenges of Supporting Adult Children00:00:01 Retirement Planning and Market Volatility00:00:01 Emotional Connections to MoneyWant to be a guest on ABCs of Parenting Adult Children? Send James Moffitt a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/parentingadultchildren Listen here for our sponsors list. Many thanks to them for helping to underwrite the costs of producing this podcast. Support the showSocial Media Links https://www.youtube.com/@JamesMoffitt https://www.instagram.com/parentingadultchildren125/ https://www.tiktok.com/@chiefpropellerhead ABC's of Parenting Adult Children Facebook Page https://www.facebook.com/profile.php?id=61581576308055 r/parentingadultchildren Feel free to subscribe to these channels and share the links with your social media portals.

How much you need to retire quiz: https://bit.ly/Adam-OlsonMost retirees don't realize they're falling into the 84% mistake—anchoring their retirement spending to Required Minimum Distributions (RMDs). JP Morgan's research shows 84% of retirees withdraw only the minimum required amount, leading to chronic underspending, lost experiences, and higher lifetime taxes.In this episode, Adam Olson, CFP®, breaks down why RMDs were never designed for lifestyle planning and how this mistake quietly undermines your retirement confidence. Using his Red Zone Retirement Planning Process, he shows how to:Create reliable income for your needsBuild a flexible, inflation-adjusted spending strategy for your wantsCoordinate taxes and withdrawals to reduce lifetime taxes and leave a smarter legacyYou'll also hear the real-life story of Nancy and Bob—a couple who went from anxious underspenders to confident retirees—after redesigning their income plan through Red Zone.If you're nearing or already in retirement, this episode will help you stop underspending, start living, and take control of your income instead of letting the IRS rules decide for you.Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

 Holiday joy shouldn't come with a financial hangover. In this episode, Miguel Gonzalez, CRC, shares practical ways to stick to a holiday budget, avoid debt, and enjoy the season stress-free. 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 #holidaybudget #holidayplanning #holidaydebt #smartspending #budgetingtips #retirementplanning #financialfreedom #CortburgSpeaksRetirement #MiguelXGonzalez #moneymindset #seasonalspending #holidaystress #debtfreeholidays #cashonlychallenge #holidaygifts #budgetfriendly #personalfinance #financialwellness #financialplanning 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

Choosing the right financial advisor can make or break your long term financial future. I sat down with Brian Bachelier of Hawthorne Capital to talk about the decisions that create real financial security, the red flags people miss, and the qualities every great advisor should have.Brian's background is unique, Chicago Board of Trade, hedge fund management, equity trading, strategy development, and now a Certified Financial Planner and Certified Market Technician. His approach is built on clarity, transparency, and always acting in the client's best interest.What this episode covers:How Brian developed his expertiseWhat most people misunderstand about advisorsFiduciary vs. suitability explainedHow to know if your advisor is doing right by youThe role of AI in financial planningKey financial decisions business owners must considerTune in and take control of your financial future with the right information.Connect with Brianhttps://www.linkedin.com/in/brianbachelier/https://www.facebook.com/people/Brian-Bachelier-CFP-CMT-Hawthorne-Capital-Wealth-Advisors/61583141036272/https://www.youtube.com/@BrianBachelierhttps://x.com/bbachelierConnect with Builders of AuthorityWebsite: https://buildauthority.comFREE Facebook Group: https://www.facebook.com/groups/7685392924809322BOA Mastermind: https://buildauthority.co/order-form-mastermindGoHighLevel Extended 30-day Free Trial w/TONS of Personal Branding Bonuses: http://gohighlevel.com/adammcchesney

Are hidden fees quietly draining your retirement savings? Dive into the latest episode of Your Retirement Radio Podcast, where Kevin Madden breaks down alternative investment strategies, the impact of interest rates, and the crucial importance of having a personalized retirement roadmap. Learn how to spot costly pitfalls, maximize guaranteed income, and make informed decisions about your 401k, annuities, and more—without steering blind into retirement. 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.

In this podcast episode, Brian shares his remarkable journey from his parents' middle-class immigrant background to achieving financial freedom through decades of learning and building businesses. He recounts his early aspiration for an opulent lifestyle and the pivotal moment when he realized the importance of creating income-producing assets. Through content creation, including three books and the Common Sense Financial Podcast, Brian's financial wisdom and expertise have garnered recognition and awards, providing valuable insights into wealth, financial freedom, and the pursuit of life's true riches. Join us as we explore Brian's wealth-building principles, the significance of faith, family, and relationships, and the pursuit of genuine financial freedom. It was over 30 years ago when Brian got started in business and he's spent this time building his knowledge while building teams and companies. Brian begins by telling the story of his parents and how they came over from Croatia and lived a middle-class life. His father worked evenings and weekends as a lab engineer while also running a business on the side. His work ethic greatly inspired Brian as he grew up. As a teen, he always dreamed of having expensive things, but his only model for getting that done involved trading time for money, which is exactly what he did throughout his early 20's. This led to him working harder to keep up with his increasingly expensive lifestyle. After doing it wrong for years, Brian had an epiphany where he realized he needed to create income-producing assets that would pay for his lifestyle. He set out to create a passive income stream to support his lifestyle and successfully accomplished it. That's when his focus for what he was really trying to do for his clients came into clarity. Brian began producing content back in 2010. And out of that came three books: Common Sense, Generational Planning, and Retirement Planning, which can all be found on Amazon. This led to the beginning of the Common Sense Financial Podcast, which has since been recognized by Forbes as a top 10 podcast by financial advisors. Brian also became a regular contributor for Kiplinger magazine locally in St. Louis. He's gone on to win numerous awards for his work. After 30 years of helping clients create the passive income they need to create real financial freedom, Brian regularly hears clients say that his process has really opened their eyes about how money works and how to think about wealth. In his personal life, Brian has been married to his wife Carrie for 30 years and has three kids, who have also grown up and had families of their own. Throughout their lives, Brian and his wife have taught their children two main things. First, most importantly, for them to pursue a close personal relationship with Jesus Christ and to live out their faith in their daily walk. Second to that, is to understand that a worthy pursuit in life is the things money can't buy: building relationships, investing, and creating memories and experiences with people that you love. A key lesson that took Brian a long time to figure out is that the pursuit of things never brings satisfaction. Real wealth is not found in things but in the freedom to live your life free from having to work for a paycheck or trade your time for money, which is another lesson he tries to impart to his kids as well as his clients.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify SkrobonjaFinancial.com SkrobonjaWealth.com BuildBanking.com Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja Generational Planning by Brian Skrobonja Retirement Planning: Have A Plan So You Can Live Your Life by Brian Skrobonja     Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3365: Jeremy challenges the notion that earning income after early retirement equals failure, sharing his own experiment with seasonal work as a UPS driver. His candid reflection reveals how flexibility, self-awareness, and reevaluating what “retirement” means can lead to greater peace of mind, without compromising your values or financial independence. Read along with the original article(s) here: https://www.gocurrycracker.com/failing-at-early-retirement/ Quotes to ponder: "Should you feel like you failed at early retirement if you decide to do some paid work? No." "The greatest financial benefit was that it reminded me of just how much time and energy is required to make $100." "Try some things, no big deal. Maybe you will enjoy some work and find it brings value to your life." Episode references: UPS Personal Vehicle Driver Program: https://www.jobs-ups.com/personal-vehicle-drivers Amazon Flex: https://flex.amazon.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What ingredients make for the most optimal Roth conversions? In this episode, I explain what the Roth conversion sweet spot is and why this period of time is the best time to do conversions.

Are you risking your retirement by following advice from friends or outdated strategies? This episode exposes common misconceptions and costly mistakes that can derail your financial future. Damon Roberts and Matt Deaton reveal why maximizing income—not chasing risky returns—is the key to lasting retirement security. Learn how to avoid emotional decisions, minimize taxes, and build a plan that works in any market. Real client stories illustrate the importance of professional guidance and making tough choices for your financial well-being. 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.

What’s scarier than running out of money in retirement? For many, it’s spendophobia—the fear of spending, even when you have enough. This episode explores why retirees struggle to enjoy their savings, the importance of finding passion and purpose after work, and how simple mistakes can leave your financial future vulnerable. Jackie Campbell shares practical strategies for tax planning, organizing your finances, and building a retirement roadmap that supports both joy and security. Discover how intentional planning can help you overcome anxiety and embrace your next chapter. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3365: Jeremy challenges the notion that earning income after early retirement equals failure, sharing his own experiment with seasonal work as a UPS driver. His candid reflection reveals how flexibility, self-awareness, and reevaluating what “retirement” means can lead to greater peace of mind, without compromising your values or financial independence. Read along with the original article(s) here: https://www.gocurrycracker.com/failing-at-early-retirement/ Quotes to ponder: "Should you feel like you failed at early retirement if you decide to do some paid work? No." "The greatest financial benefit was that it reminded me of just how much time and energy is required to make $100." "Try some things, no big deal. Maybe you will enjoy some work and find it brings value to your life." Episode references: UPS Personal Vehicle Driver Program: https://www.jobs-ups.com/personal-vehicle-drivers Amazon Flex: https://flex.amazon.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the biggest threat to your retirement isn’t the market, but the unexpected curveballs life throws your way? In this episode, Jim Fox and the team break down why true financial stability means more than just collecting products—it’s about building a flexible, personalized plan that adapts to surprises, from inflation and taxes to family needs and dream purchases. Discover how “Semper Gumby”—always flexible—can help you prepare for the unknown and enjoy retirement with confidence. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

How far can $1.5 million really take you in retirement? This episode reveals surprising differences in how long your savings last across the U.S., why taxes and inflation can shrink your nest egg, and how Social Security and Medicare rules impact your plans. Art McPherson breaks down the essentials of income planning, tax strategy, and keeping pace with rising costs—plus, hear real stories and practical tips for navigating retirement’s biggest financial challenges. Tune in for a candid look at what it takes to retire smart, no matter where you live. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Hertz is using AI to find tiny dings in rental cars to charge more. What are the dings in your retirement accounts that are costing you money? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

What if your retirement expenses doubled—would your plan survive? Brandon Bowen explores the paradox of time, inflation, and lifestyle expectations in retirement. Discover why comparing yourself to others can sabotage your financial confidence and learn how a customized playbook can help you plan for rising costs, debt reduction, and steady income. This episode breaks down real-life scenarios and practical strategies to help you prepare for the future you’ve imagined, without second-guessing your decisions. 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.

Are annuities the missing piece in your retirement income puzzle? Frank and Frankie Guida break down the pros and cons of annuities, how they compare to traditional pensions, and strategies for bridging income gaps in retirement. Learn how flexibility, guaranteed income, and personalized planning can help you navigate the transition from paycheck to retirement. Real-life examples illustrate how annuities can fit into a broader financial strategy, ensuring your income keeps pace with inflation and changing needs. 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.

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.

The Hidden Investment Risks Pre-Retirees and Retirees Don’t See Coming: Kentucky Retirement Planning Insights Are you approaching retirement and concerned about protecting your life savings from market volatility? In this comprehensive episode of the Tom Dupree Show, Kentucky retirement planning advisors Tom Dupree and Mike Johnson explore the multidimensional nature of investment risk and why personalized investment management is essential. Unlike mass-market approaches from large firms, Dupree Financial Group provides direct access to portfolio managers who understand your specific retirement goals and risk tolerance. This financial education episode delivers timeless wisdom on risk assessment, portfolio protection strategies, and why understanding what you own is critical before retirement. Whether you’re working with a local financial advisor in Kentucky or managing investments on your own, these insights will help you make more informed decisions about your retirement security. Key Takeaways: Investment Risk Management for Pre-Retirees Risk is multidimensional: Investment risk extends beyond simple volatility—it includes sequence of returns risk, concentration risk, and the risk of falling short of your retirement goals The Capital Asset Pricing Model misconception: More risk doesn’t automatically mean more return; it means a wider range of potential outcomes, both positive and negative The danger of false security: Long periods of strong returns can create complacency, causing investors to unknowingly take on excessive risk right before retirement Personalized portfolio analysis matters: Your investment strategy must align with your specific retirement timeline, income needs, and risk capacity—not just market averages Understanding beats panic: Clients who truly understand their portfolio holdings don’t panic during market downturns because they know their strategy is designed for their goals Active risk identification: Professional Kentucky retirement planning involves continuously identifying and monitoring specific risks to each holding, not just following the crowd Howard Marks on Investment Risk: Wisdom from a Market Legend The episode draws heavily from Howard Marks’ influential 2006 memo on risk, which Tom and Mike have studied extensively. Marks, co-founder of Oaktree Capital Management, challenges conventional thinking about risk and return relationships. “If more risk always meant more return, it would cease being risky. The risk would be riskless,” explains Mike Johnson, highlighting the fundamental misunderstanding many investors have about the risk-return relationship. The discussion emphasizes that bearing risk unknowingly represents one of the biggest mistakes pre-retirees can make. This is particularly relevant for those who have experienced strong market performance for years without understanding the volatility embedded in their portfolios. The Real-World Cost of Ignoring Investment Risk Tom Dupree shares a cautionary tale that every pre-retiree should hear: “There was a man that came to me years ago who had been at UK for a number of years. He had invested in Fidelity and TIAA-CREF, good funds, great returns. He had something like 1,000,006 and he had averaged 13 and a quarter percent return per year for like 23 years. He extrapolated that he could take 10% a year, which was $160,000, live on it and be okay because it was gonna keep doing that. The sequence of returns turned around and bit him good.” This example perfectly illustrates sequence of returns risk—a critical concept for anyone approaching retirement. Even with excellent average returns, the timing of market downturns relative to when you need to withdraw funds can devastate a retirement plan. This is why personalized investment management from a local financial advisor who understands your specific timeline is so valuable. Why Volatility Isn’t the Only Risk Pre-Retirees Face The episode challenges the traditional definition of investment risk as merely volatility. For pre-retirees and retirees specifically, Mike Johnson explains: “The base case that we’re trying to solve here? We’re speaking specifically to near retirees and retirees. Volatility is gonna be your friend or your foe the day you need to take your money out. That’s gonna be your definition of risk—what has the volatility done to my money the day I need it.” Additional Risk Dimensions for Kentucky Retirement Planning Falling short of goals: The risk that your portfolio won’t produce sufficient income for your desired retirement lifestyle Concentration risk: Over-exposure to single stocks or sectors, especially common with company stock or recent tech winners Unconventionality risk: The professional risk advisors take when thinking independently rather than following the crowd—but this can benefit clients long-term Underperformance risk: Short-term underperformance relative to indices, which requires conviction in your strategy and understanding your goals Hidden risk exposure: Unknown risks embedded in portfolios, particularly index funds that provide no true diversification strategy The False Sense of Security: Why Long Bull Markets Are Dangerous One of the most powerful concepts discussed is how prolonged positive market performance can numb investors to risk—exactly when they should be most vigilant. Mike Johnson references Nassim Taleb’s “Fooled by Randomness” to illustrate this danger: “Reality’s far more vicious than Russian roulette. First, it delivers the fatal bullet rather infrequently, like a revolver that would have hundreds or even thousands of rounds instead of six. After a few dozen tries, one forgets about the existence of a bullet under a numbing false sense of security. One is thus capable of unwittingly playing Russian roulette and calling it by something alternative: low risk.” This perfectly describes the situation many pre-retirees face today after years of strong market performance. The analogy to driving at 90 mph—where you stop feeling the speed—resonates powerfully. You’re taking significant risk, but you’ve become accustomed to it and no longer perceive the danger. Direct Access to Portfolio Managers: The Dupree Financial Difference Unlike large firms where you’re assigned an investment counselor who may change frequently, Dupree Financial Group provides direct access to portfolio managers Tom Dupree and Mike Johnson. This relationship-focused approach enables: Deep understanding of your specific retirement timeline and goals Customized portfolio construction based on your unique risk capacity Ongoing education about what you own and why you own it Proactive risk identification specific to your holdings The ability to think unconventionally when it serves your interests “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops,” Tom Dupree emphasizes, highlighting the value of education and transparency in financial relationships. Why Index Funds Aren’t a Complete Investment Strategy The episode delivers a sobering message about the limitations of index fund investing for retirees: “If you don’t like risk and you think that you’re not taking any risk by investing in the S&P 500, sweetie pie, you need to get in the money market fund and just hope you got enough money to ride through it because you are taking risk that you don’t know about. And that is a problem because you’re gonna find it out in a very uncomfortable way at some point.” This doesn’t mean index funds have no place in portfolios, but rather that they shouldn’t be confused with a comprehensive retirement income strategy. Personalized portfolio analysis considers: Your specific income needs in retirement Time horizon until you need to access funds Concentration risk in popular stocks or sectors The difference between the accumulation and distribution phases Tax efficiency of different investment approaches Building a Foundation: From Stocks to Portfolio For younger investors just starting out, Mike Johnson offers this perspective: “If somebody’s in their late twenties, early thirties and they have a few stocks here and there, that’s great. You’re ahead of the curve from a lot of people, but that is not a portfolio. What you want to do is lay a foundation that’s more sturdy, more solid than just having a few stocks here and there.” This guidance is equally relevant for pre-retirees who may have accumulated individual positions over time without a cohesive strategy. Kentucky retirement planning requires transitioning from an accumulation mindset to a distribution strategy—and that requires professional portfolio architecture. The Retirement Risk Equation: It’s About Income, Not Just Account Balance One of the most important insights for pre-retirees: “Remember, it’s not just the accumulation, it’s not the dollar amount, it’s what it’s gonna produce for you and how long can it produce that to sustain you. Retirement has the normal set of rules plus other variables that you have to take into consideration.” This shift in perspective—from portfolio value to sustainable income—is where personalized investment management becomes critical. Every individual’s situation differs slightly, and those differences matter enormously in retirement planning. Faith, Risk, and Investment Philosophy Tom Dupree introduces an often-overlooked dimension of investment risk: the role of faith. Not just faith in markets or historical returns, but a deeper consideration of existential risk and what you ultimately trust. “Underpinning any investment scheme is faith. At the base of everything related to risk is faith. You cannot get away from it. One of the things about the God factor is that it takes certain elements of risk that you’re willing to take on for yourself and transfers them to a higher power.” While this dimension is personal and not emphasized in typical financial planning, it reflects Dupree Financial Group’s holistic approach to understanding clients as people—not just portfolios. Frequently Asked Questions About Investment Risk and Retirement Planning What is the biggest investment risk for pre-retirees? The biggest risk for pre-retirees is sequence-of-returns risk—experiencing market downturns just as you begin withdrawing from your portfolio. Even with strong average returns over time, poor returns in the years immediately before and after retirement can devastate your retirement security. This is why personalized retirement planning in Kentucky focuses on more than just average returns. How is investment risk different for retirees versus younger investors? For retirees, risk is primarily defined by volatility’s impact on withdrawals. When you need to take money out during a market downturn, you crystallize losses and reduce your portfolio’s recovery potential. Younger investors have time to recover from volatility. As Tom Dupree explains, “Volatility is gonna be your friend or your foe the day you need to take your money out.” Are index funds safe for retirement portfolios? Index funds are not inherently “safe” for retirement—they carry significant volatility and concentration risks (especially in large-cap tech stocks right now). While they can be part of a retirement strategy, they should not be confused with a comprehensive income plan. Local financial advisors can help design strategies that balance growth needs with income stability. How much can I safely withdraw from my retirement portfolio annually? There’s no universal answer—withdrawal rates depend on your portfolio composition, risk tolerance, retirement timeline, and income needs. The gentleman in Tom’s example assumed 10% annual withdrawals based on historical 13.25% returns, which proved disastrous. Personalized portfolio analysis determines sustainable withdrawal rates specific to your situation. Why should I work with a local Kentucky financial advisor instead of a large national firm? Local advisors like Dupree Financial Group provide direct access to portfolio managers who personally manage your investments, rather than being assigned to a counselor who may change. You receive personalized service, education about your holdings, and strategies tailored to your specific goals—not mass-market approaches. Tom emphasizes: “When our clients understand what’s in their portfolio and why, they don’t call us panicking when the market drops.” What does it mean to “know what you own” in my portfolio? Knowing what you own means understanding not just the names of your holdings, but the specific risks each position carries, how they work together, and why each was selected for your situation. It means knowing what could go wrong with each investment and having conviction in your overall strategy during market volatility. How often should I review my retirement portfolio risk? Pre-retirees should review portfolio risk at least annually, and more frequently as retirement approaches. Risk tolerance, time horizon, and income needs change as you near retirement. Kentucky retirement planning professionals continuously monitor holdings for emerging risks and rebalance as needed. What is concentration risk, and why does it matter? Concentration risk occurs when your portfolio has too much exposure to a single stock, sector, or asset class. Many investors have unknowingly accumulated concentration in large technology stocks through both index funds and individual holdings. If that sector declines, your entire portfolio suffers disproportionately. Diversification addresses concentration risk. How do I know if I’m taking too much risk before retirement? Signs you may have excessive risk include: heavy concentration in stocks after years of strong returns, high portfolio volatility relative to your withdrawal timeline, lack of income-producing assets, or simply not understanding what you own. A complimentary portfolio review with Dupree Financial Group can identify hidden risks: call 859-233-0400. What makes Dupree Financial Group’s investment philosophy different? Dupree Financial Group focuses on building long-term relationships with people—not just managing money. The team conducts their own research, provides comprehensive education, thinks independently rather than following the crowd, and designs portfolios around your specific goals. Learn more about their investment philosophy. Schedule Your Complimentary Portfolio Risk Analysis Don’t Wait for a Market Downturn to Discover Hidden Risks in Your Portfolio If you’re retired or approaching retirement, understanding the specific risks in your portfolio is critical. After 47 years in the investment business, Tom Dupree has seen countless retirees discover they were taking far more risk than they realized—often at the worst possible time. Dupree Financial Group offers Central Kentucky residents a complimentary portfolio review to help you: Identify hidden concentration risks in your current holdings Understand the sequence-of-returns risk as you approach retirement Evaluate whether your portfolio aligns with your retirement income needs Learn what you actually own and why it matters Develop a personalized strategy for your retirement timeline Call 859-233-0400 to schedule your complimentary consultation Or visit us online: Schedule Your Personalized Portfolio Analysis Learn About Our Investment Philosophy Listen to More Market Commentary Read Client Testimonials Explore Kentucky Retirement Planning Services Dupree Financial Group serves clients throughout Central Kentucky, including Lexington, Louisville, Frankfort, Winchester, Richmond, and surrounding communities. About the Tom Dupree Show The Tom Dupree Show provides timeless financial education for investors approaching and in retirement. Hosted by Tom Dupree, Jr., founder of Dupree Financial Group, and portfolio manager Mike Johnson, each episode delivers practical insights on investment management, retirement planning, and portfolio risk assessment. Unlike generic financial advice, the show focuses on the specific challenges facing Kentucky retirees and pre-retirees. Tom Dupree founded Dupree Financial Group on the principle that creating long-term relationships with people—not just their money—is the key to successful wealth management. With direct access to portfolio managers and personalized investment strategies, Dupree Financial Group delivers the attentive service of a local advisor with the knowledge of a seasoned investment team. Episode Type: Evergreen Financial Education Primary Topics: Investment Risk, Retirement Planning, Portfolio Management, Sequence of Returns Risk Featured Guests: Mike Johnson, a member of the team at Dupree Financial Group Listen to More Episodes: Market Commentary Archive Share This Episode Help others understand investment risk by sharing this episode: www.dupreefinancial.com/podcast The post The Hidden Investment Risks You Don’t See Coming: Kentucky Retirement Planning Insights appeared first on Dupree Financial.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! Are you afraid to spend your own money in retirement?”This episode of How to Retire Radio Show tackles a common but rarely discussed challenge: spendophobia, the fear of using your hard-earned savings. The hosts reveal why this mindset can derail your retirement and share practical strategies to shift from saving to enjoying what you’ve built. You’ll learn how to create a reliable income stream, navigate tax implications, and avoid costly mistakes like draining accounts to pay off debt. Plus, a heartfelt reminder to focus on what truly matters, family and friends, during the holiday season. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

Is your financial strategy ready for the year-end crunch? Discover overlooked retirement moves, new catch-up contribution rules, and smart tax tactics that could help you keep more of your money. Financial advisor Abe Abich breaks down essential steps for maximizing retirement plans, meeting required minimum distributions, and leveraging Roth conversions and tax loss harvesting before the calendar flips. Whether you’re planning for retirement or just want to tidy up your financial “junk drawer,” this episode delivers practical insights for a stronger financial finish. 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.

Everyone wants better returns. Almost no one talks about where those returns should live.You can own all the right investments and still lose thousands a year if they sit in the wrong place.Asset location is one of those quiet advantages that doesn't make headlines but changes everything behind the scenes. It's how you line up your accounts so they work together instead of against each other. The difference isn't theoretical. It's real tax savings, smoother withdrawals, and more flexibility when life doesn't go according to plan.Ari Taublieb, CFP®, shares how investors nearing retirement can rearrange what they already own to keep more of what they've earned. It's not about being clever. It's about being coordinated — so your Roth, IRA, and brokerage accounts each play their role in funding your next chapter.This is the part of retirement planning most people never see, and that's why it matters. The right structure doesn't just build wealth. It buys time, peace, and choice.Listen now to see how small moves today can open more space to live tomorrow.-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.

Some retirees have more money than they ever imagined… and still feel guilty buying the $5 M&Ms.This episode is for the lifelong savers who nailed the retirement planning side—maxed out accounts, invested consistently, hit their “number”—but feel stuck when it's time to actually spend. James and Ari share real client stories of multimillionaires who still walk past convenience to save a few dollars, not because they need to… but because the “always save” habit is so deeply wired in.In this episode, you'll hear:Why it's so hard to shift from accumulator to spenderHow a scarcity mindset can follow you into a very comfortable retirementThe “M&M moment” that exposed just how powerful old money habits can beSimple ways to practice guilt-free, intentional spending that aligns with your valuesIf you've ever asked yourself, “Is it really okay to spend this in retirement?” this conversation will help you see your money as a tool for memories, not just a balance sheet number.-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.

Some retirees have more money than they ever imagined… and still feel guilty buying the $5 M&Ms.This episode is for the lifelong savers who nailed the retirement planning side—maxed out accounts, invested consistently, hit their “number”—but feel stuck when it's time to actually spend. James and Ari share real client stories of multimillionaires who still walk past convenience to save a few dollars, not because they need to… but because the “always save” habit is so deeply wired in.In this episode, you'll hear:Why it's so hard to shift from accumulator to spenderHow a scarcity mindset can follow you into a very comfortable retirementThe “M&M moment” that exposed just how powerful old money habits can beSimple ways to practice guilt-free, intentional spending that aligns with your valuesIf you've ever asked yourself, “Is it really okay to spend this in retirement?” this conversation will help you see your money as a tool for memories, not just a balance sheet number.-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 Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3358: Kathleen Coxwell invites you to craft a deeply personal retirement manifesto, a clear, intentional declaration of your values, dreams, and life lessons. By articulating what matters most and how you want to spend your time, you'll find greater purpose, fulfillment, and direction in the next chapter of your life. Read along with the original article(s) here: https://www.newretirement.com/retirement/what-is-your-retirement-manifesto/ Quotes to ponder: "This is your time to be defined by you." "Writing a manifesto can be a great way of thinking about what you want out of your life and a way of holding yourself accountable for being who you want to be." "You will want to use positive statements, say what you want (not what you don't want)." Episode references: EconoMe Conference: https://www.economeconference.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we discuss how Meta and its algorithms shape what we see online, why the penny has finally been discontinued, and the legal and economic complications that follow from eliminating small denominations. For the “foolishness of the week,” we highlight a small-town newspaper that was awarded a $3 million settlement stemming from an unlawful raid, and the First Amendment implications it raises. We examine the disconnect between a sluggish economy and soaring asset prices, discuss how Fed policy and excess liquidity fuel inflation in financial markets, and consider what rising bubbles in stocks, housing, gold, and bitcoin mean for retirement planning and long-term investment behavior. 00:00 Introduction and Overview 00:37 Meta Entertainment and Hot Wheels 04:49 The Discontinuation of the Penny 06:45 How Eliminating Pennies Would Affect Retailers and Consumers 11:18 Who Actually Has the Power to Change U.S. Currency 12:49 Reflections on U.S. Currency 15:57 Foolishness of the Week: $3 Million Newspaper Raid Settlement 18:05 Press Freedom, Accountability, and Government Overreach 20:58 Understanding Financial Bubbles 24:29 Why the Markets Aren't Reflecting Economic Reality 27:35 The Fed's Liquidity Regime and Phantom Wealth 33:56 Unintended Consequences of Economic Policies 37:55 Investing in a Changing Economy 38:49 Retirement Planning in a Bubble-Driven Economy 41:11 Learning from Historical Economic Events 43:14 Personal Anecdotes and Economic Trends 45:12 Future of Investments Learn more about your ad choices. Visit podcastchoices.com/adchoices