Gain an Edge in Investing with the 3 Factor Model
The Red Zone Retirement Program
Release Date: 07/24/2025
The Hidden Medicare Penalty You Might Be Paying
The Red Zone Retirement Program
đ Donât fumble your retirement - get your financial game plan at Think Medicare is free once you hit 65? Not quite. If your incomeâs too high, thereâs a hidden surcharge that can quietly shrink your Social Security check by thousands a year. Itâs called IRMAA. And most people donât see it coming. Letâs break down whoâs impacted and how to avoid it. Hereâs some of what we discuss in this episode: đ° IRMAA is a Medicare penalty based on incomeânot assets đ It looks 2 years backward to determine your premiums đ„ One-time income events like property sales or...
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Football & Finance: Donât Panic, Stick to the Plan
The Red Zone Retirement Program
đ Donât fumble your retirement - get your financial game plan at In football, one bad play doesnât decide the outcome. A fumble, interception, or blown coverage can rattle a team, but the best players stay calm, adjust, and keep running their game plan. The same lesson applies to your finances. In this episode, John uses football stories from the field to show how to handle financial fumbles without panicking. Setbacks are part of the game. What matters is responding with discipline and perspective so you can stay on track toward your long-term goals. Hereâs some of what we...
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Mailbag: Renting, Dividends, and Social Security
The Red Zone Retirement Program
đ Donât fumble your retirement - get your financial game plan at When it comes to retirement, the toughest calls arenât always about the market â theyâre about your life. In this episode, John takes a break from the playbook to field real questions straight from the audience mailbag. Big choices about where to live, how to invest, and when to start Social Security can feel like fourth-quarter pressure, and Johnâs here to help you call the right plays when it matters most. John explores the pros and cons of renting in retirement, why relying on a âdividends onlyâ...
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Gain an Edge in Investing with the 3 Factor Model
The Red Zone Retirement Program
đ Donât fumble your retirement - get your financial game plan at Retirement planning isnât about flashy plays- itâs about fundamentals. In this episode, John breaks down the â3 Factor Model,â an investment strategy backed by decades of academic research. He explains how focusing on market exposure, small-cap stocks, and value companies can give investors a subtle but powerful performance edge over time. Using football as a framework, John compares successful investing to building a winning team: it's about preparation, sticking to the game plan, and finding hidden...
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Big Beautiful Bill Myths Debunked
The Red Zone Retirement Program
Big tax law changes always bring big rumors. But before you assume Social Security is now tax-free or that youâre getting a $40K deduction just for breathing, letâs set the record straight on whatâs really changing. If youâve been hearing wild claims about tax-free retirement or giant write-offs, this conversation may just be the reality check you need. Hereâs some of what we discuss in this episode: đ§Ÿ New Social Security deductions for seniors 65+ đ° Not everyone gets a tax cut, despite the hype đĄ Estate tax tweaks donât replace actual planning đ Changes to the...
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Target-Date Funds: Smart Strategy or Lazy Investing?
The Red Zone Retirement Program
Target-date funds just passed $4 trillion in assets. Theyâre now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice⊠or just the easiest one? In this episode, John tackles the pros, cons, and misconceptions surrounding target-date funds. Weâll break down how they work, why theyâre so popular, and what you donât know that could be costing you more than you think. Weâre talking hidden fees, misunderstood risk levels, and why this âset it and forget itâ method might be fine at 25,...
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Football & Finances: Details Matter
The Red Zone Retirement Program
Football is often called a game of inches, and the same can be said for retirement planning. Winning on the field and winning in retirement both come down to the smallest decisions, the fine-tuned plays, and knowing what to look for before itâs too late. Yet many people overlook the financial âred zone,â where strategy and timing matter most. One wrong move, like a missed RMD or a forgotten beneficiary update, can cost you more than just yards. It can cost you real money and peace of mind. In this episode, John breaks down the unexpected parallels between football and personal finance,...
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Hiring Your Spouse & Kids: Big Opportunities and Big Mistakes to Avoid
The Red Zone Retirement Program
Today, Johnâs answering a question from a viewer about hiring a spouse, or children, in a family business. When structured properly, this strategy can create significant tax advantages and strengthen retirement savings. However, it also carries risks if not handled correctly. Weâll break down the real pros, cons, and IRS guidelines around bringing your family onto the payroll. Hereâs some of what we discuss in this episode: 0:00 â Intro 1:06 â Are there tax benefits to hiring your family? 2:43 â What qualifies as âreal workâ? 6:55 â Roth IRAs and earned income 10:06 â...
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Football & Finance: Simulated Pressures in Retirement
The Red Zone Retirement Program
Retirement can feel a lot like facing a defensive blitz. Just like in football, when six defenders line up and the offense doesnât know whoâs coming after the quarterback, retirees can feel surrounded. With market volatility, tax changes, media noise, and conflicting advice, itâs hard to know where to focus. If you canât identify whatâs real and whatâs just smoke, John breaks down how to approach these decisions with strategy, to make sure your choices donât cost you the game. Youâll learn how to recognize financial distractions, avoid costly misreads, and stick to a...
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Mailbag: Volatility, Rebalancing, and Buying the Dip
The Red Zone Retirement Program
Retirement planning isnât that different from calling plays on game day. When the marketâs throwing curveballs and the scoreboard doesnât look great, you donât panicâŠbut you should adjust. In this mailbag edition, John answers listener questions about navigating market volatility with a level head. Whether itâs rebalancing in a down market, knowing when to âbuy the dip,â or understanding what diversification actually looks like when everything feels like itâs dropping, we will break down how you can call the right plays in volatile markets. Youâll also hear why knowing your...
info_outlineđ Donât fumble your retirement - get your financial game plan at http://bookachatwithjohn.net
Retirement planning isnât about flashy plays- itâs about fundamentals. In this episode, John breaks down the â3 Factor Model,â an investment strategy backed by decades of academic research. He explains how focusing on market exposure, small-cap stocks, and value companies can give investors a subtle but powerful performance edge over time.
Using football as a framework, John compares successful investing to building a winning team: it's about preparation, sticking to the game plan, and finding hidden advantages. You'll also hear why true diversification goes beyond owning a few mutual funds, and how index investing (âowning the whole haystackâ) helps reduce risk while increasing consistency. Above all, John drives home that patience, discipline, and smart execution- quarter after quarter- are what win championships in both football and finance.
Hereâs some of what we discuss in this episode:
đĄ What is the 3 Factor Model?
đ Why âjust getting in the gameâ beats sitting on the sidelines in investing
đ How small companies and value stocks can quietly outperform the big names
đ Why proper diversification isnât just holding multiple mutual funds
âł How many years it takes to detect a trend
Get in touch:
Phone: 661-775-3704
Book an appointment with us: http://bookachatwithjohn.net
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Watch the Podcast on YouTube: https://bit.ly/3PmcOPM
Check out Johnâs FREE Books: https://je9gekmc.pages.infusionsoft.net/