Retire With Peace

The Retire With Peace podcast brings you actionable information for your retirement planning. Topics include financial planning, taxes, investments, social security, Medicare, personal health & wellness, and much more. Join Dave Zaegel, CPA, CFP as he covers various financial and lifestyle topics to help you Retire With Peace.

Ep 222: Life Insurance for Estate Planning 10/20/2026

Ep 222: Life Insurance for Estate Planning In this episode, we explore estate planning strategies to minimize estate taxes, including gifting techniques and irrevocable life insurance trusts. Perfect for those wanting to understand how to protect their assets and plan for the future. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/43360004

Ep 221: Start Retirement Planning Earlier 10/13/2026

Ep 221: Start Retirement Planning Earlier In this episode, Dave Zaegel shares a valuable lesson drawn from a recent client experience. The crux of the story highlights the benefits of starting retirement planning just a couple of years earlier than one might think. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/43255813

Ep 220: IRS has an App! 10/06/2026

Ep 220: IRS has an App! In this episode, Dave Zaegel discusses the new IRS phone app that simplifies access to your tax information, payments, and notices, highlighting how it can make managing your taxes easier and more efficient. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/43169088

Ep 219: Don't Overpay Medicare - IRMAA 09/29/2026

Ep 219: Don't Overpay Medicare - IRMAA This episode demystifies Medicare Irma, explaining how it functions as a tax on higher income and how strategic planning can minimize its impact. Host Dave Zaegel shares insights on long-term planning to optimize Medicare premiums and overall retirement finances. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/43050328

Ep 218: Organization as You Age 09/22/2026

Ep 218: Organization as You Age In this episode, Dave Zaegel shares practical tips on how being organized with your personal finances can save you time, reduce stress, and prepare you for unexpected needs like assisted living or loan applications. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42974678

Ep 217: Power of Attorney in Estate Planning 09/15/2026

Ep 217: Power of Attorney in Estate Planning This episode covers the importance of healthcare and financial power of attorney documents, emphasizing their role in protecting you during incapacity and the steps to ensure they are current and effective. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42900795

Ep 216: Why Financial Planners Matter 09/08/2026

Ep 216: Why Financial Planners Matter In this episode, Dave Zaegel explores the importance of professional guidance in financial planning, comparing it to fitness coaching, and emphasizes how experts can help you reach your financial goals more effectively. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42828505

Ep 215: Noah Built an Ark 09/01/2026

Ep 215: Noah Built an Ark In this episode, Dave Zaegel draws a biblical analogy with Noah's story to illustrate the importance of preparation and diversification in financial planning. He emphasizes balancing enjoying good times with preparing for inevitable downturns, especially in retirement planning. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42634655

Ep 214: Use Options for Income 08/25/2026

Ep 214: Use Options for Income In this episode, Dave Zaegel explains how to use covered calls as a simple yet effective strategy to generate additional income from stock investments, especially useful for retirement planning. He demystifies options trading, clarifies common misconceptions, and provides practical examples to help listeners understand how to implement this strategy safely. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42545940

Ep 213: Protect Against Tax Fraud 08/18/2026

Ep 213: Protect Against Tax Fraud This episode highlights the importance of vigilance against tax fraud in your retirement planning. Host Dave Zaegel shares practical steps to verify the accuracy of your tax filings and protect yourself from potential fraud. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42454070

Ep 212: Scenario Planning 08/11/2026

Ep 212: Scenario Planning This episode explores how scenario planning can help you retire with peace by preparing for multiple possible futures. Dave Zaegel shares practical insights on how to incorporate flexibility and foresight into your retirement strategy. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42376700

Ep 211: Moving Annuities in an IRA 08/04/2026

Ep 211: Moving Annuities in an IRA In this episode, Dave Zaegel discusses the considerations and strategies for moving or surrendering annuities, including the impact of surrender charges, tax implications, and when it makes sense to keep or transfer an annuity. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42300020

Ep 210: Depreciation Recapture 07/29/2026

Ep 210: Depreciation Recapture This episode explains the concept of depreciation recapture in real estate, covering how depreciation benefits investors and the tax implications when selling property. Understanding these rules is crucial for effective tax planning and investment decisions. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42252760

Ep 209: This Is the Way 07/21/2026

Ep 209: This Is the Way In this episode, Dave Zaegel discusses the importance of tailoring retirement planning to individual situations, emphasizing that there is no one-size-fits-all approach. He shares real-life examples and debunks common myths about investment strategies, highlighting the value of sticking to what works for you. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42152730

Ep 208: Confidence & Humility 07/14/2026

Ep 208: Confidence & Humility In this episode, Dave Zaegel discusses the importance of balancing confidence and humility in retirement planning, emphasizing risk management, diversification, and setting up a resilient financial structure. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42060195

Ep 207: AI You Can Use in Retirement 07/07/2026

Ep 207: AI You Can Use in Retirement Discover practical, easy ways to leverage AI tools for organizing personal information, summarizing important details, and enhancing communication with professionals—while safeguarding your data. Whether you're a retiree or just want to streamline everyday tasks, this episode offers actionable insights on making AI work for you. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41973765

Ep 206: Social Security Scare 06/30/2026

Ep 206: Social Security Scare In this episode, Dave Zaegel discusses the future of Social Security, addressing common concerns about its solvency, and explores strategies for retirement planning amidst potential changes. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41809435

Ep 205: Perhaps Start Earlier 06/23/2026

Ep 205: Perhaps Start Earlier In this episode, Dave Zaegel discusses the importance of early retirement planning, focusing on tax strategies like Roth IRA conversions and capital gains management. Starting planning even a decade in advance can significantly ease the transition into retirement and optimize financial outcomes. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41721250

Ep 204: Position Size Matters 06/16/2026

Ep 204: Position Size Matters This episode emphasizes the importance of proper investment structuring and diversification in retirement planning. Host Dave Zaegel discusses how to manage risk, position sizing, and the significance of diversification, especially as one approaches or is in retirement. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41646615

Ep 203: Why So Worried About the Bubble? 06/09/2026

Ep 203: Why So Worried About the Bubble? In this episode, Dave Zaegel discusses the importance of proper financial structuring to withstand market bubbles and downturns. He emphasizes that long-term investing, having a solid income buffer, and focusing on health and tax planning are key to financial peace of mind. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41573790

Ep 202: The 4.7% Rule? 06/02/2026

Ep 202: The 4.7% Rule? This episode explores the origins and evolution of the 4% rule for retirement planning, highlighting recent adjustments by its creator and practical strategies for maximizing retirement income. Here's an article to skim through: /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41494725

Ep 201: Interest Rates Matter 05/26/2026

Ep 201: Interest Rates Matter This episode explores the impact of interest rate changes on investments and retirement planning, with practical strategies to adapt and benefit from rising rates. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41418540

Ep 200: Five Retirement Mistakes 05/19/2026

Ep 200: Five Retirement Mistakes In this episode, financial expert Dave Zaegel shares the five most common retirement mistakes and how to avoid them. From tax planning to health, learn practical strategies to secure a more enjoyable and financially stable retirement. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41338835

Ep 199: AI is Here 05/12/2026

Ep 199: AI is Here This episode explores the impact of artificial intelligence (AI) on our lives, emphasizing the importance of early adoption and simple steps to start using AI tools today. The host compares AI's emergence to COVID, highlighting the need for awareness and preparation. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41257240

Ep 198: Don't Fight the Trend 05/05/2026

Ep 198: Don't Fight the Trend This episode emphasizes the importance of not fighting market trends in retirement planning. It advocates for small, disciplined adjustments rather than drastic moves, highlighting the value of a solid planning foundation and strategic flexibility. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41141750

Ep 197: 60/40 versus 70/30 04/28/2026

Ep 197: 60/40 versus 70/30 This episode discusses the optimal bond and stock allocation for retirement portfolios, emphasizing the importance of aligning bond maturities with income needs rather than focusing solely on percentage allocations. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41042730

Ep 196: One-off Withdrawals 04/21/2026

Ep 196: One-off Withdrawals This episode addresses common concerns about making one-time withdrawals from retirement accounts. Host Dave Zaegel explains why small, one-off withdrawals typically don't jeopardize your retirement plans, especially when they represent a small percentage of your total savings. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40935680

Ep 195: Replay of 116 - Must Sleep 04/14/2026

Ep 195: Replay of 116 - Must Sleep In the Episode, Dave Zaegel discusses the critical importance of sleep for overall health, particularly as individuals age. We discuss how adequate sleep—around 7-9 hours per night—supports metabolism, mood stabilization, and bodily repair, while also facilitating the brain's ability to process information and store memories. The episode emphasizes that sleep plays a key role in emotional regulation, highlighting that consistent sleep patterns are essential, as one cannot easily compensate for sleep deprivation. The engaging discussion underscores the necessity of prioritizing sleep for a healthier life. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40844425

Ep 194: Replay of 115 - Are Supplements Worth It? 04/07/2026

Ep 194: Replay of 115 - Are Supplements Worth It? In this episode of the Retire with Peace Podcast, host Dave Zaegel discusses the role of supplements in maintaining health, particularly as it relates to retirement. He emphasizes the importance of a healthy lifestyle, including exercise, nutrition, and sleep, while providing insights into specific supplements like multivitamins and creatine. The conversation aims to clarify the benefits and risks associated with various supplements, encouraging listeners to prioritize foundational health practices before relying on supplements. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40753685

Ep 193: Replay of 114 - Walking is Underrated 03/31/2026

Ep 193: Replay of 114 - Walking is Underrated In this episode of the Retire with Peace Podcast, Dave Zaegel revisits a simple—but often ignored—strategy that can dramatically improve your retirement lifestyle: walking. This replay highlights why walking isn’t just good for your health… it may also protect your financial future. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40667700

Retire With Peace

TOPICS