Stay Wealthy Retirement Podcast
An award-winning retirement podcast dedicated to helping you lower taxes, invest smarter, and make work optional. Do you want to avoid overpaying the IRS in retirement? Or learn how to prepare for the next stock market crash? How about when to take Social Security and how to turn your investments into reliable retirement income? Hey there! I'm CERTIFIED FINANCIAL PLANNER™ Taylor Schulte, and I was recently named the #2 Independent Financial Advisor in the U.S. by Investopedia. Each week on this retirement podcast, I'll answer BIG financial questions and help you "stay wealthy" in retirement.
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The S&P 500 Trap: Why the "Safe" Choice Is Actually Risky for Retirees
11/20/2025
The S&P 500 Trap: Why the "Safe" Choice Is Actually Risky for Retirees
"Just buy the index." It’s the simple advice that built your wealth and got you to the finish line. But here’s what often gets overlooked: The strategy that got you to retirement won't necessarily keep you there. When you switch from saving to spending, the math changes. Suddenly, relying on a "simple" S&P 500 strategy exposes you to risks that didn't matter when you had a paycheck. In this episode, we cover: ▶ The Simplicity Trap: Why "decision fatigue" lures smart retirees into risky, overly concentrated portfolios. ▶ S&P 500 Reality Check: Why the "safe" default option is actually dangerous for your retirement income. ▶ The "Flatline" Defense: How to build a retirement portfolio that protects your purchasing power during downturns. ▶ Beyond Investing: How to align your investments, taxes, and legacy for true peace of mind. If you are approaching retirement and wondering if your "set it and forget it" strategy is enough to last a lifetime this episode is for you. *** 📆 SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: For nearly two decades, my team and I have helped hundreds of families across the U.S. plan smarter retirements—from tax strategies and investments to income and legacy planning. The result? Less stress. Lower taxes. More confidence about the future. If you’re looking for clarity and a proven, personalized process, we’d be honored to have a conversation. 👉 *** EPISODE RESOURCES: → → →
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Why Retirees Fear Running Out of Money — Even Though They Rarely Do
11/06/2025
Why Retirees Fear Running Out of Money — Even Though They Rarely Do
Everyone fears running out of money in retirement—even millionaires. What most people don’t realize is that research shows most retirees rarely spend down their savings. In fact, many actually see their wealth grow throughout retirement, even during some of the toughest markets in history. In this episode, we unpack: ▶ Why that happens ▶ What the data really says about retirement spending ▶ How to find the right balance between confidence and caution By the end, you’ll see why most retirees worry far more than they need to, and how to feel confident spending your own money. *** 📆 SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: For nearly two decades, my team and I have helped hundreds of families across the U.S. plan smarter retirements—from tax strategies and investments to income and legacy planning. The result? Less stress. Lower taxes. More confidence about the future. If you’re looking for clarity and a proven, personalized process, we’d be honored to have a conversation. 👉 *** EPISODE RESOURCES: → → →
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The Truth About Long-Term Care Insurance (and When to Buy It)
10/30/2025
The Truth About Long-Term Care Insurance (and When to Buy It)
Sales of "traditional" long-term care insurance have fallen 92% since 2002. Meanwhile, hybrid policies have surged to over 500,000 sales a year. But which option actually makes sense for your situation? In this episode, I break down everything you need to know before buying long-term care insurance, including: ▶ The optimal age to purchase ▶ Traditional vs. hybrid policies (the real pros and cons beyond the sales pitch) ▶ The actual costs of proper coverage I'm also sharing three critical implementation details that can make or break your coverage when you need it most. If you’re approaching retirement and wondering how to protect yourself from potentially catastrophic long-term care costs, this episode will give you the clarity you need to make an informed decision. *** SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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Long-Term Care: A 5-Step Process to Determine If You Can "Self-Fund"
10/23/2025
Long-Term Care: A 5-Step Process to Determine If You Can "Self-Fund"
You've heard it before—70% of Americans over 65 will need long-term care. While that number is technically true, it’s also misleading. Because here's what many people don’t realize: the vast majority of retirees will never face a catastrophic, six-figure care event. In fact, nearly two-thirds will spend ZERO out of pocket during their lifetime! 🤯 So how do you prepare responsibly without overpaying for protection you may never use? In this episode, I walk you through a simple 5-step process to decide if you can safely "self-fund" your long-term care needs, while still protecting your retirement plan and peace of mind. *** SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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8 Red Flags You’re About to Get Scammed
10/16/2025
8 Red Flags You’re About to Get Scammed
Americans lost a record $16 billion to scams in 2024—nearly 40% from investment fraud alone. The trend is moving in the wrong direction. In this episode, I share the story of a small-town financial advisor who built trust over decades, until that trust unraveled into one of the most devastating scams they’d ever seen. More importantly, I break down 8 red flags that experts say could indicate you're being conned. Because here’s the truth: falling for a scam doesn’t mean you’re careless or foolish—it means you’re human. And understanding the psychology behind deception is the best way to protect yourself. If you think you’re immune, that confidence might be exactly what scammers are counting on. *** SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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6 Reasons Why Delaying Social Security Might Hurt Your Retirement
10/09/2025
6 Reasons Why Delaying Social Security Might Hurt Your Retirement
Most experts say the smartest Social Security move is to wait until age 70 to claim. On paper, the logic seems simple—delay claiming, and you’ll lock in a larger monthly check for life. But here’s what's interesting: only about 10% of Americans actually wait that long. 🤯 Nearly one-third claim Social Security at 62, and the majority file before full retirement age. So are millions of retirees making a huge mistake… or is the conventional wisdom missing something? In today’s episode, I’m sharing findings from a new research paper showing why delaying until 70 isn’t always the clear-cut, no-brainer strategy it’s made out to be. *** SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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7 Signs You’re Closer to Retirement Than You Think
09/25/2025
7 Signs You’re Closer to Retirement Than You Think
We’ve been told our whole lives that retirement happens at 65—maybe 62 if you’re lucky. But in my experience, that traditional timeline isn’t always the reality. In fact, for many people, retirement may be much closer than they realize. After nearly 20 years of building retirement plans, I’ve noticed a recurring theme: Most people overestimate how much they think they need and underestimate how ready they already are. That’s why in this episode, I’m breaking down 7 signs that could mean you’re closer to early retirement than you realize. These aren’t about chasing some arbitrary savings target—they're practical, real-world markers that can help you rethink your timeline and gain confidence in your next chapter. If even a few of these resonate with you, it may change the way you think about retirement and the life you’ve worked so hard to create. *** SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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Medicare’s Future: Rising Costs, Fewer Perks, and Hidden Traps
09/18/2025
Medicare’s Future: Rising Costs, Fewer Perks, and Hidden Traps
Even if you’re not on Medicare right now, chances are someone you love is—and sooner or later, you’ll face those decisions yourself. That’s why it’s worth paying attention to an important letter that arrives every September: the Annual Notice of Change. Most people glance at it, toss it aside, and never think twice. But with big shifts coming in 2026, ignoring it could be a costly mistake. And that letter is just the beginning. There are three other Medicare traps that cost people thousands each year and, in some cases, wreck entire retirement plans. In this episode, I’ll walk you through the 2026 changes you (and your loved ones!) need to prepare for, plus the three mistakes to avoid no matter what year it is. By the end, you’ll know exactly what to watch for and how to feel confident about Medicare—whether you’re enrolled now, preparing for it soon, or helping someone you care about. *** SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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Life Insurance Simplified: Smart Strategies for Protecting Your Retirement
09/11/2025
Life Insurance Simplified: Smart Strategies for Protecting Your Retirement
Despite making insurance decisions almost daily, many retirement savers don't truly understand what they’re buying or why they need it. In today's episode, I'm breaking down life insurance into simple, actionable terms. Specifically, I’m sharing: ‣ The 3 essential steps to managing insurable risks ‣ The key differences between term and permanent life insurance ‣ The exact questions to ask yourself before buying (or hanging onto) any policy I’m also sharing a few little-known facts and tips to help you properly evaluate options you may be considering. Even if you think you know everything about life insurance as it relates to your retirement plan, today’s episode will provide valuable and important reminders as you continue managing your ongoing insurance needs. *** SCHEDULE A RETIREMENT STRATEGY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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How to Avoid Retirement's Biggest Blind Spots Before It's Too Late
08/28/2025
How to Avoid Retirement's Biggest Blind Spots Before It's Too Late
Retirement is about so much more than money—it's a complete life transition. In this episode, I'm sharing my recent conversation with Adam Cmejla, where we explore the often-overlooked aspects of retirement planning. We discuss: ‣ Why retirement can feel like a grieving process—and how to navigate it ‣ The surprising role responsibility and community play in long-term happiness ‣ Smarter ways to approach Monte Carlo simulations, taxes, and cash management We also share our favorite retirement and investing charts that reinforce the principles essential to keeping financial plans grounded. Whether you’re 10 years out from retirement or already there, this conversation challenges common assumptions and offers a helpful perspective on this stage of life. *** SCHEDULE YOUR FREE DISCOVERY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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RMDs Unpacked: The Math Behind Your Required Distributions (and Tax Strategy)
08/21/2025
RMDs Unpacked: The Math Behind Your Required Distributions (and Tax Strategy)
Required Minimum Distributions (RMDs) could force you to withdraw as much as 15% of your retirement account balance in a single year. But do RMDs really put you at risk of outliving your money? Why does the IRS expect you to live so much longer than the Social Security Administration does? And what proactive steps can you take before age 73 to avoid giving the IRS more than its fair share? In this episode, I'm unpacking: ‣ How RMDs are actually calculated ‣ Why the IRS tables are more conservative than most people realize ‣ The pros and cons of using RMDs to build a dynamic withdrawal strategy I'm also sharing tax planning tips and strategies for navigating your RMDs. If you're concerned about how RMDs might impact your retirement plan—or you're looking to optimize your tax situation before they kick in—this episode is for you. *** SCHEDULE YOUR FREE DISCOVERY MEETING: My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades. The result? Smarter tax strategies, better investment decisions, and a more confident retirement. If you’re seeking clarity and a proven retirement planning process, we’d be honored to help. 👉 *** EPISODE RESOURCES: → → →
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Why the New Target Retirement Age Is 58 (And How You Can Do It Too)
08/07/2025
Why the New Target Retirement Age Is 58 (And How You Can Do It Too)
Is retiring in your 50s actually realistic for everyday Americans? According to a recent NerdWallet survey, the average target retirement age for households earning $100,000+ isn't 65—it's 58. And these aren't tech moguls or lottery winners. They're teachers, small business owners, and dual-income couples who’ve steadily built their nest eggs and now want to enjoy their healthy, active years while they can. But retiring in your 50s requires a very different kind of plan. One that accounts for early withdrawal penalties, health insurance gaps, and delayed Social Security. These obstacles are the "triple threats" of early retirement. In today’s episode, I’ll share how to combat them and provide a simple 5-step process for turning your retirement vision into a reality. *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Looking to hire a retirement and tax planning expert? We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes. 🗓️ . *** EPISODE RESOURCES: → → →
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Retirement's Big Shift: How the Rules Change After $1 Million
07/24/2025
Retirement's Big Shift: How the Rules Change After $1 Million
What if everything you've learned about money completely changes once you cross the $1 million mark? Many people think a healthy 7-figure nest egg means the hardest part is done, but ironically, that's when the biggest financial challenges start. Today, Nick Maggiulli returns to share his latest retirement research, which inspired his new book, "The Wealth Ladder." In this conversation, we explore: ▸ Why retirement savers with $1-10 million often feel "stuck" ▸ The surprising reason wealthy retirees are more likely to LOSE wealth than those with less money ▸ Why your investment portfolio becomes more important than your income at this stage ▸ The academic research showing good health is worth $400,000 per year If you're nearing retirement (or already there), you'll learn why crossing the million-dollar mark isn't the finish line—it's when the game changes entirely. *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Looking to hire a retirement and tax planning expert? We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes. 🗓️ . *** EPISODE RESOURCES: → → →
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3 Overlooked Threats to a Fulfilling Retirement
07/17/2025
3 Overlooked Threats to a Fulfilling Retirement
A recent study reported that 76% of retirees regret not saving more money. But after working with hundreds of successful retirees and analyzing thousands of survey responses, I've discovered something interesting: Their deepest regrets actually have little to do with financial shortfalls. Instead, they revolve around critical aspects of financial planning that significantly impact purpose, independence, and fulfillment in your golden years. In this episode, I'm revealing three (3) retirement regrets that many people don't consider until it's too late. I'm also sharing how to avoid the same mistakes so YOUR retirement is fulfilling instead of filled with regret. *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Looking to hire a retirement and tax planning expert? We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes. 🗓️ . *** EPISODE RESOURCES: ✏️ 📫 📊
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5 Ways the 'One Big Beautiful Bill' Impacts Your Retirement
07/10/2025
5 Ways the 'One Big Beautiful Bill' Impacts Your Retirement
Wondering how the new 'One Big Beautiful Bill Act' affects you and your retirement plan? Don't want to read 870 pages of Congressional jargon? I've got you covered! In this episode, I'm breaking it all down and sharing the 5 biggest things retirement savers need to know. I'm also addressing several broader provisions in the bill and clarifying some common misconceptions. This giant (and confusing!) economic package touches nearly every aspect of your financial life. So, pour yourself some coffee—or something stronger if you need it—and hit play. *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Looking to hire a retirement and tax planning expert? We help 100+ families in 40 states across the country navigate retirement, optimize investments, and reduce taxes. 🗓️ . *** EPISODE RESOURCES: ✏️ 📫 📊
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How to Retire at 62 (Even If You Feel "Behind")
06/26/2025
How to Retire at 62 (Even If You Feel "Behind")
Think you need millions of dollars to retire comfortably? Think again. Most people believe they're "behind" on retirement savings because they're measuring against arbitrary benchmarks that don't reflect their unique situation. But what if retiring at 62 is actually more achievable than you've been led to believe? In this episode, I'm sharing: ► Why you should ignore popular savings benchmarks ► Why delaying Social Security isn't always the right move (and how taking it early might preserve MORE wealth) ► A simple 4-step process to build your personalized early retirement plan If you're tired of feeling behind and want to discover how early retirement might be within reach right now, this episode is for you. *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Need retirement & tax planning guidance? We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes. 🗓️ . *** EPISODE RESOURCES: 📊 ✏️ 📫
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Why 37% of Retirees Have Regrets (And How to Avoid Them)
06/13/2025
Why 37% of Retirees Have Regrets (And How to Avoid Them)
"I planned for 30 years of expenses—but zero years of purpose." This was a recent client's confession, and she's not alone. In fact, nearly 40% of retirees say they wish they had waited longer to retire (and it's not about money). In this episode, I'm revealing why even the most financially prepared retirees fall into identity crises and regret. I'm also sharing my 5-step "Bridge Strategy" to help you retire with clarity and purpose, not just a seven-figure portfolio. If you're planning FOR retirement but haven't considered what you're retiring TO, this episode is for you. *** SCHEDULE A COMPLIMENTARY DISCOVERY CALL: Need professional retirement & tax planning help? We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes. 🗓️ . *** EPISODE RESOURCES: 📊 ✏️ 📫
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The Hidden Risk of "High-Yield" Cash in Retirement
06/05/2025
The Hidden Risk of "High-Yield" Cash in Retirement
"Cash is king" has guided investors since the 1987 market crash. But what if this so-called "king" is actually putting your retirement plan at risk? Millions of retirees are lured by today's enticing cash yields, confusing safety nets for sound investment strategies. In this episode, I'm revealing why cash (even at 4-5%) is a deceptive long-term investment. I'm also sharing details about a critical investment performance metric to help you make more informed portfolio decisions. If you're wondering how to balance safety and growth in today's uncertain market, this episode is for you. *** 2025 TAX CHEATSHEET Subscribe to the As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF). You'll also receive weekly retirement and investing tips from yours truly. 👉 . *** EPISODE RESOURCES: 📊 ✏️
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7 Pitfalls to Avoid If You Want to Stay Retired
05/15/2025
7 Pitfalls to Avoid If You Want to Stay Retired
You’ve finally made it to retirement! But what if some of the choices you’re making right now are quietly pulling you back to work? Every year, countless retirees are forced back into the workplace. Not because they were reckless, but because they followed advice that sounded smart and safe. In this episode, I'm sharing 7 of the most common retirement pitfalls that can derail even the best-laid plans. I'm also sharing our Total Retirement System™—a comprehensive framework to ensure you retire once and never look back. If you're approaching retirement (or already there) and want to avoid mistakes that force people back to work, this episode is for you. *** 2025 TAX CHEATSHEET Subscribe to the As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF). You'll also receive weekly retirement and investing tips from yours truly. 👉 . *** EPISODE RESOURCES: 📊 ✏️
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How to Spend More, Stress Less, and Retire Sooner
05/01/2025
How to Spend More, Stress Less, and Retire Sooner
"I'll just work a few more years." It's the retirement safety net millions of Americans often count on. In large part because the financial industry has convinced everyone that retiring later is the most sensible backup plan if your savings fall short. But what if this common advice is actually setting you up for one of the most costly mistakes of your life? In this episode, I'm sharing why the real danger may not be running out of money in retirement, but rather working too long. I’m also sharing why choosing the right withdrawal strategy may help you retire sooner AND give you more confidence to spend in retirement. *** 2025 TAX CHEATSHEET Subscribe to the As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF). You'll also receive weekly retirement and investing tips from yours truly. 👉 . *** EPISODE RESOURCES: 📊 ✏️
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How Tariffs Actually Work (And Why They're Shaking the Market)
04/10/2025
How Tariffs Actually Work (And Why They're Shaking the Market)
Today I'm diving into the tariff-induced market mania that has been dominating every news headline. Specifically, I'm joined by Cullen Roche, monetary economics expert and founder of Discipline Funds, to discuss three important things: ► How tariffs actually work and why economists across the political spectrum overwhelmingly agree they are bad ► What the recent tariff proposal means for the economy (and American consumers) ► What yesterday’s "90-day pause" means for the markets going forward We also discuss how retirement investors should approach their portfolios during this period of economic uncertainty + what changes are prudent to make. *** 2025 TAX CHEATSHEET Subscribe to the As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF). You'll also receive weekly retirement and investing tips from yours truly. 👉 . *** EPISODE RESOURCES: 📊 ✏️
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ESG Investing: The Hidden Costs, Real Impact, and How to Avoid the Hype
03/20/2025
ESG Investing: The Hidden Costs, Real Impact, and How to Avoid the Hype
ESG investing is exploding in popularity—but it's also a giant, confusing mess. Over $35 trillion in global assets now follow ESG guidelines. 🤯 But despite the rapid growth, most retirement investors still don't fully understand ESG investing... ...or how to spot legitimate ESG strategies from clever marketing hype. To help break through the confusion, Liz Simmie joins me to discuss: ➤ What ESG investing is and how it differs from Socially Responsible Investing (SRI) ➤ How retirement savers should evaluate ESG funds, particularly in terms of cost and performance ➤ The #1 data point Liz screens for when evaluating an ESG investment We also explore how investors can cut through ESG marketing hype to find genuinely responsible investment solutions. *** 2025 TAX CHEATSHEET Subscribe to the As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF). You'll also receive weekly retirement and investing tips from yours truly. 👉 . *** EPISODE RESOURCES: 📊 ✏️
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3 Ways to Boost Retirement Income
03/06/2025
3 Ways to Boost Retirement Income
Morningstar recently published its annual "State of Retirement Income" research report. This year’s report finds the highest 30-year safe withdrawal rate for retirees is... 3.7% 🤯 In this episode, you'll learn: ► How researchers arrive at different recommended withdrawal rates ► Why popular withdrawal strategies are (likely) too conservative ► 3 proven strategies for boosting retirement income And since there is no one-size-fits-all, you'll also learn the pros and cons of each retirement income strategy discussed! *** 2025 TAX CHEATSHEET Subscribe to the As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF). You'll also receive weekly retirement and investing tips from yours truly. 👉 . *** EPISODE RESOURCES: 📊 ✏️ 📘
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The Biggest Retirement Investment Risk: How to Protect Your Portfolio
02/13/2025
The Biggest Retirement Investment Risk: How to Protect Your Portfolio
Today I'm discussing the biggest retirement investment risk. As Morgan Housel put it, "It's the hardest risk for people to understand... ...and it's the only one that really matters." In this episode, you'll learn: ► What the three sides of risk are ► Why tail risk is all that matters ► How to mitigate this risk in your retirement plan You'll also learn why most investors should (probably) stay away from investment products promising you lots of upside with limited downside. *** 2025 TAX CHEATSHEET Subscribe to the As a thank you, you'll receive my recently updated 2025 Tax Cheatsheet (PDF). You'll also receive weekly retirement and investing tips from yours truly. 👉 . *** EPISODE RESOURCES: 📊 ✏️ 📘
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3 Ways to Reduce Medicare IRMAA (Now and in the Future!)
01/30/2025
3 Ways to Reduce Medicare IRMAA (Now and in the Future!)
Worried about Medicare IRMAA eating into your retirement savings? Whether you're 10+ years away from Medicare or already enrolled, this episode will help you navigate this pesky surcharge and protect your retirement savings. Key topics covered: ► Updated 2025 IRMAA brackets ► Answers to common planning questions ► 3 strategies to minimize (or avoid) IRMAA You'll also learn how to project future IRMAA brackets for better planning. If you want a clear roadmap for making informed decisions about your future healthcare costs, you'll enjoy today's episode. *** RETIREMENT & TAX PLANNING: Looking to hire a financial planner with retirement & tax planning expertise? My team and I only have a few more openings for Discovery Meetings with new clients. If you're seeking professional help, we would love to have a conversation! 👉 . *** EPISODE RESOURCES: 📊 ✏️ 📘
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2025 Market Outlook: Planning for Uncertainty
01/16/2025
2025 Market Outlook: Planning for Uncertainty
Markets tend to operate in cycles—yesterday's winners often become tomorrow's losers (and vice versa). The most unloved asset classes can quietly become the best performers, while the most popular ones frequently disappoint. Yet, many investors fall into the trap of assuming recent trends will continue indefinitely. But markets don’t work that way. No asset class outperforms or underperforms forever. To help you avoid falling into this trap (and make more informed portfolio decisions), I’m sharing key takeaways from Vanguard's 2025 Market & Economic Report in this episode. I’m also sharing 5 actions retirement savers can take right now to prepare for success over the next decade and beyond. *** Looking to hire a financial planner with retirement & tax planning expertise? My team and I only have a few more openings for Discovery Meetings with new clients. If you're seeking professional help, we would love to have a conversation! 👉 . *** EPISODE RESOURCES: 📊 ✏️ 📘
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How to Evaluate Financial Advisors: A Step-by-Step Guide
01/09/2025
How to Evaluate Financial Advisors: A Step-by-Step Guide
Looking to hire a financial planner with retirement & tax planning expertise? My team and I have availability for 25 Discovery Meetings over the next 8 weeks. If you're seeking professional retirement planning help, we would love to have a conversation! 👉 . We intentionally limit the number of new clients we take on each year. This ensures we can provide each family with highly customized investment, retirement, and tax planning services. Once these 25 meetings are scheduled, we will not have availability to meet with new clients until later this year. . *** Today I'm sharing the essential steps for evaluating and selecting the right financial advisor for your unique situation. Specifically, I cover 5 important things: ► How to identify and document your financial challenges, needs, and goals before starting your search ► Critical questions to ask yourself about the type of professional you want ► Guidance for conducting background checks ► Non-obvious questions to ask potential advisors ► The importance of a well-defined evaluation process (and why you shouldn't rush your decision) You'll learn how to navigate through the sea of 300,000+ financial advisors to find the right one for you. Whether you want a short-term or long-term engagement, this episode provides actionable steps to help you make the right choice. *** EPISODE RESOURCES: 📊 ✏️ 📘
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12 Insightful (and Unbelievable!) Statistics About Markets & Investing
12/19/2024
12 Insightful (and Unbelievable!) Statistics About Markets & Investing
Grab your Tax Planning Cheatsheet (updated for 2025!) by . The 2-page PDF guide includes every important number you'll need for your retirement & tax planning next year. Updated federal income tax brackets, AMT annual limits, standard deductions, Social Security taxation summary, estate and gift tax annual limits…and more. 👉 . *** In our final episode of the year, I'm taking a break from the usual nerdy retirement planning talk to share twelve (12) insightful, fun, and humourous investing statistics. These stats cover topics such as: ➤ The McRib Effect: Can a fast-food favorite influence markets? ➤ Shiller P/E Ratio History: What does this popular valuation signal suggest for the market's future? ➤ Netflix Drawdowns: A stock’s wild history of recovery. ➤ Berkshire Hathaway: A long-term (unbelievable) investment story unfolds. ➤ Pet Spending: A surprising shift in American priorities. Whether you’re a market enthusiast or just here for the entertaining stories, you’ll love this lighthearted yet insightful end-of-year episode. Thank YOU for making this year so special by tuning in and engaging with the show. Enjoy the holidays, reflect on the year behind us, and prepare to dive into 2025 with fresh market insights and retirement planning strategies. Here’s to "staying wealthy" next year and beyond! 🎉 *** EPISODE RESOURCES: 📊 ✏️ 📘
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Fixing the Housing Market, Trump's Tariffs, What's Next for Our Economy (and More!)
12/12/2024
Fixing the Housing Market, Trump's Tariffs, What's Next for Our Economy (and More!)
How do we fix the housing affordability problem in the U.S.? Will lower interest rates really improve the real estate market? How have Zillow and Airbnb contributed to the current housing challenges? What are tariffs (+ benefits and drawbacks)? What's next for the U.S. economy? These are just a few of the questions I'm exploring in this episode with author and economic expert, Kyla Scanlon. *** BOOK GIVEAWAY I'm giving away 10 copies of Kyla's beautifully written and designed book, "In This Economy? How Money & Markets Actually Work." To put your name in the hat and receive a free copy, be sure you're subscribed to the Stay Wealthy Retirement Newsletter by visiting . Next week, my team will randomly select 10 lucky readers to give our copies away to. 👉 *** FREE RETIREMENT PLANNING RESOURCES: As a bonus for subscribing to the , you'll also receive three (3) of my MOST popular retirement & tax cheatsheets. *** EPISODE RESOURCES: 📊 ✏️ 📘
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5 Steps to Overcome Retirement Spending Challenges
12/05/2024
5 Steps to Overcome Retirement Spending Challenges
Today, I’m discussing the challenges of spending money in retirement. To help, Brian Portnoy, one of the world’s leading experts on the psychology of money, joins us to discuss three big things: ➤ Why it’s so difficult for retirement savers to transition from saving to spending ➤ What you can do to prepare for the (well-documented!) challenges of retirement spending ➤ How to use Brian’s “Four C’s” to achieve true wealth in retirement We also delve into the meaning behind Brian’s famous quote, “Diversification always means having to say your sorry,” and how it can help you make better investing decisions. *** FREE RETIREMENT PLANNING RESOURCES: Subscribe to the As a thank you, you'll receive three (3) of my MOST popular retirement & tax cheatsheets. You'll also receive my weekly retirement newsletter! 👉 . *** EPISODE RESOURCES: 📊 ✏️ 📘
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