Listen in to learn about how the current market update and broader economic outlook may affect your retirement planning, your portfolio, and your peace of mind. Radon, Murs, and Tom explore the importance of retirement diversification, staying disciplined during uncertainty, and evaluating both retirement opportunities and near-term challenges. Whether you are building a retirement financial plan, reviewing your retirement checklist, or trying to plan for retirement in a changing world, this quarterly market update offers practical retirement tips to help you stay focused on what matters most and continue planning retirement with clarity.

In this episode, find out:

• Why current events are shaping the conversation around retirement and the economy, including war, inflation, and government uncertainty
• How interest rates, oil prices, and tariffs may impact the latest market update and overall economic outlook
• Why retirement diversification remains essential when navigating market volatility and long-term retirement risks
• What positive signs still exist in the economy and where potential retirement opportunities may be emerging
• How a disciplined retirement investment strategy can support retirement income, help you retire comfortably, and ultimately secure your retirement

Tweetable Quotes:

“The simple question during times like this is: am I still on track? That’s what a strong retirement financial plan is designed to answer.” — Radon Stancil

“When markets feel uncertain, it’s not the time to make emotional decisions. It’s the time to lean on your plan, your diversification, and your long-term strategy.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how to build a flexible and sustainable retirement distribution strategy, avoid costly mistakes like sequence of returns risk, and implement proven retirement planning tips such as the retirement bucket strategy. Radon and Murs also discuss how ongoing adjustments in your retirement financial plan, including retirement tax planning, retirement healthcare planning, and estate planning in retirement, can help you retire comfortably and truly secure your retirement.

In this episode, find out:

• How to transition from saving to spending with a clear retirement income planning approach
• Why a well-structured retirement distribution strategy is key to managing taxes and longevity
• How the retirement bucket strategy helps protect against sequence of returns risk
• The importance of creating a sustainable retirement cash flow and revisiting it annually
• How retirement tax planning, retirement healthcare planning, and estate planning in retirement all work together in a complete plan

Tweetable Quotes:

“Retirement planning doesn’t stop when you retire—it evolves into a strategy focused on turning your savings into reliable income for life.” – Radon Stancil

“The biggest challenge in retirement isn’t building wealth—it’s creating a sustainable income plan that reduces stress and adapts as life changes.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how to build a resilient smart investment plan that helps protect your retirement during uncertain times. Radon and Murs break down key financial planning strategies for 2026, including how to reduce sequence of returns risk, incorporate alternative investments and private investments, and utilize tools like fixed index annuities to create stability. If you’re focused on planning retirement, creating a retirement checklist, and ultimately retiring comfortably, this episode will help you secure your retirement with confidence.

In this episode, find out:

1. How Geopolitical Risk and global uncertainty contribute to market volatility and investor anxiety
2. Why a balanced retirement investment strategy should include both growth and protection
3. The importance of asset location and how it differs from traditional diversification
4. How alternative investments and private investments can reduce overall portfolio risk
5. How fixed index annuities can help manage sequence of returns risk and provide stable income

Tweetable Quotes:

“When your income is protected and not tied to the market, it becomes much easier to ride out volatility and stay confident in your retirement plan.” – Murs Tariq

“The goal isn’t to eliminate risk—it’s to design a smart investment plan where your money is working in different ways at different times.” – Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the differences between a Mega Backdoor Roth, a Backdoor Roth IRA, and traditional retirement savings strategies. Radon, Murs, and Taylor explain the role of 401k contribution limits, Roth IRA income limits, and how these strategies may help high-income earners implement a smart tax strategy designed to maximize tax free retirement income. If you’re focused on planning retirement, creating a retirement checklist, and learning how to retire comfortably, this episode offers valuable insights to help you secure your retirement.

In this episode, find out:

1. How the Mega Backdoor Roth works and why it can be a powerful high income tax strategy
2. The difference between after-tax 401k contributions, traditional 401k contributions, and Roth options
3. How Roth conversion strategies can potentially turn taxable growth into tax free retirement income
4. The key differences between a Backdoor Roth IRA and the Mega Backdoor Roth 401k strategy
5. Important considerations when including this strategy in your retirement financial plan and overall retirement planning strategy

Tweetable Quotes:

“The reason people call it a Mega Backdoor Roth is because you’re not contributing directly to the Roth 401k—you’re contributing after-tax dollars and converting them to build a larger tax-free portfolio.” – Radon Stancil

“If your income is above the Roth IRA income limits, you may still have options to get money into a Roth through strategies like the Backdoor Roth IRA or Mega Backdoor Roth.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how inflation and the stock market are connected, why proper diversification goes beyond simply owning multiple funds, and how a thoughtful retirement investing strategy — built around the three-bucket strategy — can help you stay confident no matter what 2026 brings. If you're focused on retirement income planning, protecting gains after a strong run-up, and building a Retirement financial plan that allows you to retire comfortably, this episode delivers timely perspective and practical guidance.

In this episode, find out:

1. Why the stock market outlook 2026 is shaped by inflation, global leadership changes, and concentrated tech exposure
2. How hidden concentration risk can undermine your diversification strategy — even if you own multiple funds or advisors
3. The importance of disciplined portfolio rebalancing after several strong market years
4. How the three-bucket strategy supports stability, growth, and income during periods of market volatility
5. Why integrating investments with taxation, withdrawals, estate planning, and income creates a stronger retirement financial planning framework.

Tweetable Quotes:

"Diversification isn’t about how many accounts you have — it’s about making sure your investments aren’t all exposed to the same risk." — Radon Stancil

"There’s always going to be something creating market volatility. The key is having a plan in place before it happens." — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how a proper Retirement financial plan helps determine the right balance between liquidity and long-term growth. Whether you're saving for retirement, saving for retirement at 50, or already focused on Retirement income planning, this episode will walk you through how the Three bucket strategy can help you protect your lifestyle, manage Taxes on interest income, avoid surprises with Medicare income and IRMAA income, and ultimately retire comfortably while maintaining flexibility and peace of mind.

In this episode, find out:

1. Why having too much in your Cash bucket could hurt your long-term Retirement investing strategy
2. How declining Money market rates and Interest rates 2026 impact your retirement savings
3. The hidden impact of Taxes on interest income and how excess cash can increase Medicare income and IRMAA income
4. How inflation erodes cash savings and affects Inflation savings over time
5. How the Three bucket strategy supports a balanced plan for retirement and helps secure your retirement

Tweetable Quotes:

“Cash feels safe, but too much cash in the wrong environment can quietly cost you millions over a 30-year retirement.” – Radon Stancil

“Your financial plan should drive how much cash you hold — not today’s money market rate.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how reducing internal costs, understanding expense ratios explained, and improving portfolio efficiency can make a significant impact on your long-term results. Whether you're focused on Stock market investing, building an Index investing strategy, or refining your Retirement investing strategy, this episode will help you better understand how the right structure can help you plan for retirement, follow a smart retirement checklist, and ultimately secure your retirement.

In this episode, find out:

1. The real differences in Stocks vs ETFs, Stocks vs mutual funds, and ETFs vs mutual funds
2. How technology now allows for efficient Stock indexing without high internal fund costs
3. Why lowering expense ratios and reducing hidden fees leads to Lower investment fees and better long-term outcomes
4. How Portfolio rebalancing and index tracking improve your overall Investment portfolio strategy
5. When to use individual stocks, Exchange traded funds, or mutual funds inside a complete Retirement financial plan

Tweetable Quotes:

“Technology has now allowed us to replicate an index using individual stocks and eliminate layers of internal fund costs.” — Radon Stancil

“Our investment philosophy hasn’t changed — but the tools we use to make portfolios more efficient absolutely have.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how holistic financial planning creates true peace of mind in retirement. Radon and Murs break down how retirement risk management, income planning in retirement, Social Security planning, Medicare planning, long-term care planning, and tax planning strategies work together to reduce anxiety. By focusing on structure—rather than speculation—you can build retirement confidence, follow a clear retirement checklist, and move toward retiring comfortably with a plan designed to secure your retirement.

In this episode, find out:

1. Why retirement anxiety is driven more by unanswered questions than market volatility
2. How the Three Bucket Strategy supports income planning, withdrawal strategy, and retirement confidence
3. The five critical areas of retirement planning, including tax planning, Medicare planning, and estate planning
4. How holistic financial planning helps manage required minimum distributions and early retirement strategy
5. Why having a written retirement financial plan reduces stress and supports peace of mind in retirement

Tweetable Quotes:

1. “A bad market day won’t ruin your retirement, and a great market day won’t make it successful—it’s the plan that matters.” — Radon Stancil
2. “Retirement stress fades when every part of your retirement financial plan is being monitored, implemented, and nurtured.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how Peace of Mind Wealth Management designed a comprehensive Retirement financial plan that goes beyond investments and focuses on real-life decision-making. From Income planning in retirement and Tax planning strategies to Medicare planning, Long term care planning, Estate planning, and Social Security planning, Radon and Murs break down the Peace of Mind Pathway framework that helps families retiring comfortably and working toward a goal to secure your retirement.

In this episode, find out:

1. Why a retirement planning book focused on holistic planning is critical for today’s retirees
2. How the Peace of Mind Pathway ties together risk management, income, taxes, healthcare, and legacy
3. What role Required minimum distributions play in your overall Retirement financial plan
4. How to think through early retirement strategy decisions, including healthcare before Medicare
5. Why having a connected team matters when planning retirement and following a retirement checklist

Tweetable Quotes:

1. “Retirement isn’t just about having money—it’s about having clarity, confidence, and a plan that works together.” — Radon Stancil
2. “Good savers often feel the most anxiety because they don’t know what questions to ask when planning retirement.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how today’s economic environment connects directly to your retirement income planning and overall retirement planning process. Radon and Murs revisit the Three Bucket Strategy, explaining how a well-structured core portfolio strategy, tactical investing strategy, and exposure to alternative investments can work together to manage risk. As they explore the stock market outlook 2026, inflation and retirement concerns, and market volatility planning, you’ll gain clarity on how to plan for retirement, follow a practical retirement checklist, and ultimately focus on retiring comfortably.

In this episode, find out:

1. How the Three Bucket Strategy supports risk management investing and predictable retirement income
2. Why market headlines don’t always align with long-term market update realities
3. How tactical investing and alternative investments can reduce portfolio volatility
4. What inflation and retirement trends mean for planning retirement in 2026
5. Why sticking to a disciplined retirement investment strategy matters more than ever

Tweetable Quotes:

1. “You can’t control headlines or politics, but you can control your retirement plan and how much risk you take.” — Radon Stancil
2. “When different parts of your portfolio have different jobs, market volatility becomes much easier to live with.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about practical retirement planning tips that go beyond generic advice and focus on real-world retirement challenges like managing taxes, building a smart retirement withdrawal strategy, and revisiting your plan as life changes. Radon and Murs explain how knowing your spending, understanding IRA withdrawal rules, and implementing strategies like the Three Bucket Strategy and Roth conversion strategy can help you retire comfortably and secure your retirement for decades to come.

In this episode, find out:

1. Why knowing your spending is the foundation of a sustainable retirement spending plan
2. How retiring too early without a plan for retirement can increase the risk of running out of money
3. How tax planning in retirement, including Roth conversions and IRA withdrawal rules, impacts long-term success
4. How Medicare IRMAA and the IRMAA surcharge can surprise retirees without proper planning
5. Why revisiting your retirement checklist regularly is critical to retiring comfortably

Tweetable Quotes:

1. “It doesn’t matter how much money you have—if your spending isn’t aligned with your plan, you can still run out of money in retirement.” — Radon Stancil
2. “A successful retirement income plan isn’t set it and forget it; it’s something you nurture year after year.” — Murs Tariq

This episode reinforces why comprehensive retirement planning, thoughtful tax planning in retirement, and ongoing adjustments are key to planning retirement with confidence. By focusing on retirement income planning, balancing growth and protection, and understanding how taxes affect your withdrawals, you can reduce anxiety and move closer to truly retiring comfortably.

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about key decisions that impact your ability to plan for retirement, reduce unnecessary taxes, and ultimately secure your retirement. Whether you are still working, transitioning into Retirement, or already planning retirement income, these insights can help you align your retirement checklist with current rules, deadlines, and opportunities—so you can focus on retiring comfortably without last-minute surprises.

In this episode, find out:

1. How the 401k catch up rule works, including 401k catch up contributions and updated 2026 401k contribution limits
2. Why the IRA contribution deadline matters and how a Roth IRA contribution can still be made after year-end
3. How qualified charitable distribution strategies work, including important QCD rules
4. When it may make sense to donate stock to charity versus giving cash and how this affects your charitable deduction
5. How income choices impact a long-term Roth conversion strategy and overall retirement tax planning

Tweetable Quotes:

1. “The beginning of the year is where smart tax planning really starts—what you do now determines how much flexibility you’ll have later.” — Radon Stancil
2. “Tax planning in retirement isn’t just about deductions; it’s about choosing the right accounts at the right time.” — Murs Tariq

Understanding how the standard deduction, charitable strategies, and income planning work together is a critical part of Retirement Planning. From managing distributions to timing conversions, early awareness helps avoid mistakes that can limit your ability to secure your retirement and maintain tax efficiency throughout the year.

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how Medicare Part B premium 2026 increases, IRMAA surcharges, and Medicare income limits 2026 can directly impact your cash flow in retirement. Radon and Murs also explore how Medicare planning fits into a comprehensive strategy to help you retire comfortably, avoid costly surprises, and align your healthcare decisions with your long-term retirement checklist and broader financial plan.

In this episode, find out:

1. How Medicare drug price negotiations and Medicare Part D changes 2026 are lowering costs for certain prescriptions
2. What the new Medicare out of pocket cap means for retirees with high prescription drug expenses
3. Why the increase in Medicare Part B premium 2026 matters for your monthly retirement income
4. How IRMAA surcharges and income from strategies like Roth conversions can affect your Medicare premiums
5. What Medicare does not cover, including the difference between a Medicare wellness visit and a traditional physical, plus updates on Telehealth Medicare

Tweetable Quotes:

1. “Medicare isn’t separate from your financial plan—it’s interconnected with your taxes, income, and investment strategy.” — Radon Stancil
2. “One decision, like a Roth conversion, can trigger higher Medicare premiums if you don’t account for IRMAA.” — Murs Tariq

Understanding Medicare 2026 is a critical part of Retirement Planning, whether you’re already enrolled or just beginning to plan for retirement. Staying informed about Medicare updates, knowing your coverage gaps, and proactively planning can make a meaningful difference in how confidently you approach Retirement.

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how disciplined retirement investment strategies, including diversification, the three bucket strategy, and proactive tax planning, help create a resilient retirement portfolio. Radon and Murs break down how peace of mind investing isn’t about chasing returns, but about building systems that support income, growth, and stability—no matter what the markets bring—so you can confidently secure your retirement.

In this episode, find out:

1. How the Market update 2025 sets the stage for smarter investment strategies in 2026
2. Why managing market volatility matters more than chasing high returns in retirement
3. How the three bucket strategy balances income, safety, and growth bucket investing
4. The role of tax efficient investing, including direct indexing strategy, tax loss harvesting, and capital gains planning
5. How alternative investments can reduce volatility and strengthen a long-term retirement portfolio

Tweetable Quotes:

1. “If your portfolio is designed correctly, you don’t have to sweat market corrections—you can still sleep at night and enjoy retirement.” — Radon Stancil
2. “Peace of mind investing comes from managing risk and taxes, not swinging for home runs.” — Murs Tariq

From retirement planning basics and a practical retirement checklist to advanced strategies like direct indexing strategy and alternative investments, this episode ties together everything needed for effective planning retirement. Whether you’re years away or already retired, these insights help you build confidence, reduce stress, and move closer to secure your retirement.

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about why annuities in 401k plans are gaining traction, how fixed annuities can serve as a bond alternative, and why firms like Fidelity retirement, BlackRock retirement, and Vanguard are acknowledging the importance of retirement income planning in the face of ongoing market volatility. Radon and Murs explain how this evolution helps investors create your own pension, supports retiring comfortably, and strengthens efforts to secure your retirement.

In this episode, find out:

1. Why the Vanguard announcement is a turning point for annuities retirement strategies
2. How guaranteed income in retirement helps offset market volatility
3. What a 401k annuity option really means for retirement planning
4. When IRA rollover options may provide more flexibility than a company 401k
5. How the Three Bucket Strategy simplifies planning retirement and managing risk

Tweetable Quotes:

1. “As you approach retirement, predictability and reliable income matter just as much as growth.” — Radon Stancil
2. “Annuities aren’t about giving up growth; they’re about creating confidence and peace of mind in retirement.” — Murs Tariq

By combining growth assets with income-focused strategies, retirees can follow a clearer retirement checklist, reduce stress during volatile markets, and build a customized retirement planning approach. Whether inside a Vanguard retirement plan or through broader IRA rollover options, the goal remains the same: thoughtful planning, smarter risk management, and a strategy designed to help you plan for retirement with confidence.

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Learn how a proactive retirement checklist can help you move from simply reacting at tax time to intentionally planning retirement with confidence. From required minimum distributions and the RMD deadline to charitable giving strategies and health savings account strategy, this episode reinforces why year-end planning is essential for retiring comfortably and helping to secure your retirement.

Listen in to learn about the practical steps you should take before December 31st to align your retirement planning with tax efficiency. Radon and Murs break down complex topics like capital gains tax planning, tax loss harvesting, and donor advised fund strategies into clear, actionable guidance. Whether you’re already retired or still planning retirement, this episode helps you connect year-end decisions to long-term retirement success.

In this episode, find out:

1. How to avoid penalties by meeting the RMD deadline and properly handling required minimum distributions
2. Why tax loss harvesting and capital gains tax planning can play a major role in retirement income tax management
3. How charitable giving strategies, like a qualified charitable distribution and a donor advised fund can create powerful tax benefits
4. Why a health savings account strategy is one of the most overlooked tools in retirement planning
5. How a year-end financial checklist supports a smarter plan for retirement and long-term peace of mind

Tweetable Quotes:

1. “If you wait until the end of the year to think about taxes, you’re already behind—retirement planning works best when it’s proactive.” — Radon Stancil
2. “A simple year-end tax checklist can be the difference between unnecessary penalties and retiring comfortably with confidence.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how emotions, career stress, financial planning for couples, and the FIRE movement retirement mindset affect early retirement decisions. Radon and Murs break down Medicare retirement considerations, Social Security timing challenges, retirement income strategy development, and the hidden dangers of day trading risks and options trading risks when someone tries to “make early retirement work” through high-risk investing. If you're navigating retirement planning at 50 or planning retirement with a partner who’s not on the same page, this conversation offers clarity, humor, and a practical retirement checklist to help you move forward confidently.

In this episode, find out:

· How couples can resolve conflicting retirement goals when one wants to retire early and the other wants to maintain lifestyle freedom.

· Why understanding the real reason behind wanting early retirement is essential to planning retirement effectively.

· The major financial risks of relying on day trading or options trading to fund retirement income.

· How to build a retirement income strategy that supports Medicare retirement costs, travel goals, and long-term financial security.

· Why the Peace of Mind Pathway helps couples retire comfortably and plan for retirement with less stress and more clarity.

Tweetable Quotes:

“Retirement Planning isn’t just about math—it's also about emotions, goals, and making sure both spouses feel secure in the plan.” — Radon Stancil

“If early retirement adds more stress than your job does, then it’s not truly helping you secure your retirement.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how to avoid scams by slowing down when urgency hits, verifying sources before clicking anything, and recognizing the red flags behind gift card scams, IRS scam calls, and the increasingly convincing threats of AI voice cloning scams and deepfake scam tactics. These practical cybersecurity tips also support smart identity theft prevention—an important part of retirement planning for anyone who wants to keep retiring comfortably on track.

In this episode, find out:

·     How gift card scams exploit the holiday rush and why “pay with gift cards” is a major scam alert

·     Why IRS scam calls and “official” threats (like unpaid penalties) are designed to trigger fear and urgency

·     How a jury duty scam can use phone number spoofing to appear like it’s coming from a real sheriff’s department

·     The best ways to avoid clicking links in email phishing scams and text message scams, even when they look legitimate

·     How emerging tech (like AI voice cloning scams and deepfake scam videos) is changing the landscape of senior scams and financial scams

Tweetable Quotes:

·     Radon Stancil: “If you ever get a call from a police department or sheriff’s department saying you have a warrant for your arrest or you missed jury duty—it’s a scam. Hang up.”

·     Murs Tariq: “If there’s urgency, weird payment methods like gift cards or crypto, or they want you to click right now—pause and ask why.”

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the ripple effects November’s disruptions had on the economy, the rapid swings in AI stocks, and what the Federal Reserve is considering as we move toward year-end. You'll also hear how a well-structured retirement portfolio—especially one built on bucket strategy investing—can help you plan for retirement, stay calm, and retire comfortably even when volatility spikes. With long term retirement planning always top of mind, Radon and Murs share insights that promote clarity, stability, and a path to secure your retirement.

In this episode, find out:

• How the November market review was influenced by the extended government shutdown and delayed economic data.
• Why interest rates, inflation numbers, and Federal Reserve uncertainty added to stock market volatility.
• What drove turbulence in the technology sector—especially surrounding AI stocks and concerns over an AI bubble.
• How volatile markets can impact your retirement portfolio and why understanding retirement investing strategies is essential.
• The importance of a structured Bucket Strategy for managing market risk and creating predictable income in retirement.

Tweetable Quotes:

Radon Stancil: “One thing that ends up being good can lead us right back to something that causes worry—that’s why having a strategy matters, regardless of what the markets are doing.”

Murs Tariq: “Volatility is triggered by moments inside and outside the stock market, which is why a well-designed retirement plan must be built to withstand the unexpected.”

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the simple yet powerful Retirement Bucket Strategy—cash, income safety, and growth—and how each piece works together to help you plan for retirement at 50, retirement planning at 55, or retirement planning at 60. You’ll also learn how different tax buckets (pre-tax, taxable, and tax-free) impact your retirement withdrawal strategy and long-term retirement planning strategies so you can build an income in retirement that keeps up with life, goals, and inflation.

In this episode, find out:

• How to structure your money using the Retirement Bucket Strategy to create retirement income that lasts.
• Why market volatility, taxes, inflation, and longevity must be factored into every retirement income plan.
• The difference between pre-tax, taxable, and tax-free retirement buckets—and how each impacts your long-term plan for retirement.
• How fixed index annuities, cash reserves, and growth investments can work together within a retirement income planning framework.
• A real-life scenario showing how to build a retirement withdrawal strategy across multiple buckets for long-term stability.

Tweetable Quotes:

“When you structure your retirement income the right way, you remove anxiety and gain true peace of mind in retirement.” — Radon Stancil

“Diversifying across investment buckets and tax buckets is what makes a retirement income plan strong, flexible, and built to last.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about practical ways to reduce taxes, from Qualified Charitable Distributions (QCDs) and Donor Advised Funds to Tax Loss Harvesting inside a Direct Indexing strategy, and long-term Roth conversion planning. Whether you’re focused on charitable giving strategies, concerned about Medicare IRMAA surcharges, or just looking for tax savings tips and ideas on how to save on taxes in retirement, this episode will help you think beyond April 15 and build a smarter, more intentional retirement tax plan.

In this episode, find out:

·     The key difference between tax filing and true tax strategy—and why tax moves to lower your 2025 bill must be done before December 31.

·     How Qualified Charitable Distributions (QCDs) can lower your taxable income, satisfy Required Minimum Distributions (RMDs), and help you avoid Medicare IRMAA surcharges.

·     Ways a Donor Advised Fund can “bunch” charitable giving, turn what you were already going to give into a bigger deduction, and enhance your overall charitable giving strategies.

·     How a Direct Indexing strategy with ongoing Tax Loss Harvesting can create “tax alpha,” making your brokerage account more tax-efficient and reducing capital gains over time.

·     Why a multi-year Roth conversion plan—guided by tax projections—can dramatically lower lifetime retirement taxes for you and your heirs, and support a more confident retirement planning and retiring comfortably strategy.

Tweetable Quotes:

“Real tax planning is not about what happened last year—it’s about using tax projections and tax strategies today so you can decide how and when you want to pay taxes over your lifetime.” — Murs Tariq

“When you combine tools like Qualified Charitable Distributions, Donor Advised Funds, tax loss harvesting, and Roth conversions, you’re not just checking a tax box—you’re building a coordinated tax plan that can help you save on taxes and truly secure your retirement.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!"

To access the course, simply visit POMWealth.net/podcast.

They explore how adding non-correlated assets such as private equity or private credit investing can help improve portfolio balance and reduce portfolio risk—especially when the traditional 60/40 portfolio approach no longer provides the same stability. This insightful discussion dives into how alternative investments can create a more tax efficient portfolio and contribute to a smoother investment experience during volatile market cycles. 

Listen in to learn about how alternative investments explained by Brooke can reshape the way you think about diversification and retirement planning strategies. You’ll discover how these vehicles can provide access to opportunities outside of the public markets, deliver potential capital gains strategy benefits, and offer unique tools for investment risk management. If you’re exploring ways to plan for retirement, retiring comfortably, and secure your retirement, this episode is packed with insights that connect tax planning, index replication, and tax loss harvesting into a broader tax strategy that enhances long-term wealth management. 

In this episode, find out: 

• What alternative investments are and how they differ from traditional stocks and bonds. 
• Why private markets investing may provide higher returns and smoother volatility. 
• How to use non-correlated assets to build a more diversified portfolio and improve portfolio balance. 
• Key considerations about liquidity, manager due diligence, and position sizing in alternative investments. 
• How a well-designed diversification strategy supports long-term retirement planning and tax efficiency. 

Tweetable Quotes: 

“When bonds and stocks fall together, that’s when investors start to realize the importance of alternative investments in balancing risk.” 

— Radon Stancil 

“Alternative investments aren’t perfect for everyone, but everyone should evaluate whether they can play a role in their plan for retirement.” 

— Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast. 

Listen in to learn about using Direct indexing with Tax loss harvesting to mirror an index while managing investment taxes, handling concentrated stock positions, and customizing holdings (think: Index replication without the positions you don’t want). You’ll also hear practical retirement planning strategies to stay diversified, manage risk, and plan for retirement so you’re retiring comfortably with a clear retirement checklist and a resilient approach to Retirement Investing and Investment risk management.

In this episode, find out:

·     How recent Fed moves and headlines factor into a pragmatic market update and what that means for Retirement Planning and risk management.

·     The core–tactical–bonds/alternatives blend that creates a Diversified portfolio beyond just stocks to smooth volatility.

·     What Direct indexing is, how Index replication works with 50–75 stocks, and why Tax loss harvesting can add meaningful tax alpha.

·     Ways to unwind a concentrated position (e.g., long-held company stock) using harvested losses and a phased Capital gains strategy.

·     How to tailor portfolios (even in IRAs) to exclude specific stocks while still tracking an index—supporting your personalized planning retirement goals.

Tweetable Quotes:

·     “We’re not stock-picking heroes—we’re replicating the index and using tax efficiency to your advantage.” — Radon Stancil

·     “With Direct indexing, you can make money and harvest losses at the same time—powerful for investment taxes in non-IRA accounts.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!"

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about

the trends behind money market rates, the S&P 500 outlook, and how market volatility in 2025 could shape retirement planning strategies. You’ll also hear how shifts in AI, international trade, and interest rates may impact your ability to plan for retirement, stay on your retirement checklist, and continue retiring comfortably with confidence.

In this episode, find out:

·     Why ongoing China trade tariffs and access to rare earth metals are creating ripple effects across global markets.

·     How the Federal Reserve outlook and potential Fed rate cuts in 2025 could affect money market rates and long-term investing strategies.

·     Why Inflation in 2025 still lingers above target and how it’s influencing both spending and retirement portfolios.

·     The growing connection between AI and the economy, and whether the market might be in an “AI bubble.”

·     What retirees can do now to balance safety and growth in a world of market volatility and changing stock market outlooks.

Tweetable Quotes:

“The most important thing you can do is have a plan—and have people you trust to help you stick with it, especially in turbulent times.”

 — Radon Stancil

“If rates come down, that’s good for the economy, but it also means retirees need to rethink how they generate income.”

 — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the practical and emotional aspects of building a solid financial foundation. The hosts and Sam dive into how annuities have evolved beyond the stereotypes of decades past and now serve as reliable, tax-deferred annuity options that align with today’s retirement planning strategies. From creating predictable income streams to securing a financial legacy, this episode provides insights for anyone seeking to secure your retirement with confidence and clarity.

In this episode, find out:

·     What makes a fixed indexed annuity different from traditional annuities and pensions.

·     How annuities serve as a bond alternative to help manage market volatility.

·     The role of income riders and guaranteed lifetime income in creating predictable cash flow.

·     How to use the Three Bucket Strategy for balanced retirement planning and risk management.

·     Why annuities in retirement can help you enjoy stability, flexibility, and peace of mind.

Tweetable Quotes:

“When you understand how an annuity fits into your overall plan, it stops being confusing—and starts being a tool for confidence and security.” — Radon Stancil

“When we view annuities as a pension alternative or a bond alternative, we open the door to better retirement planning strategies that focus on safety, growth, and flexibility.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.

In this episode, find out:

·     How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.

·     The mechanics of life insurance cash value and using policy loans for tax free retirement income.

·     Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.

·     When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.

·     Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.

Tweetable Quotes:

·     “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil

·     “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs Tariq

Throughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how provisions such as the new auto loan interest deduction, expanded charitable deduction, and the innovative Trump accounts for newborns can play a role in your personal retirement tax planning. With practical explanations and forward-looking strategies, this episode provides essential knowledge for anyone seeking to secure your retirement and prepare a thoughtful retirement checklist.

In this episode, find out:

·     Why the current tax rates are considered “permanent” and what that really means for your tax strategy for retirees.

·     How the estate tax exemption impacts your legacy and protects families from unnecessary gift and estate taxes.

·     What the Qualified Business Income (QBI deduction) means for self-employed individuals and small business owners.

·     The new charitable deduction opportunities even for those who take the standard deduction.

·     How auto loan interest deduction and Trump accounts for newborns could change the way families plan for the future.

Tweetable Quotes:

·     “There’s significant opportunity ahead of us to take advantage of today’s lower tax rates before changes come in the future.” – Radon Stancil

·     “Even small provisions in the One Big Beautiful Bill can create big opportunities for retirees who want to plan smartly.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how to navigate this new environment. Radon and Murs share insights on how to rethink your retirement income planning, balance safety and growth, and use smart retirement planning strategies to secure your retirement. They also explain why now may be a critical moment to evaluate your options and protect your retirement nest egg so you can focus on retiring comfortably with peace of mind.

In this episode, find out:

·     Why the latest Fed rate cut immediately affects cash accounts and CD rates.

·     How bonds and interest rates respond differently for new buyers versus existing holders.

·     Why blindly chasing higher returns in equities can add more risk to your portfolio.

·     The role of fixed index annuities as a bond alternative in your retirement financial planning.

·     Practical retirement planning strategies to balance growth, safety, and predictable income.

Tweetable Quotes:

·     “When the Fed cuts rates, cash becomes less effective—so you need to think carefully about where your money works best in retirement.” – Radon Stancil

·     “Retirement planning today is less about chasing the highest return and more about finding the right return that provides predictability and peace of mind.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the essential areas you must think through: ACA health plans, Medicare at 65, the 59 and a half rule, the 401k rule of 55, Roth conversions, Social Security timing, and more. Radon and Nick Hymanson, CFP®, break down the critical details around investment strategy, retirement withdrawal strategy, sequence of returns risk, and bucket strategy investing. This conversation highlights not just the numbers, but also the emotional side of retirement—building confidence and clarity to truly secure your retirement.

In this episode, find out:

·     Why health insurance before Medicare is the #1 concern for early retirees, and how ACA health plans and subsidies fit into your strategy.

·     How to navigate tax rules like the 59 and a half rule, the 401k rule of 55, and smart Roth conversions.

·     The importance of a retirement withdrawal strategy that considers taxes, cash flow, and long-term goals.

·     How to protect yourself from sequence of returns risk with bucket strategy investing.

·     Why budgeting for retirement and addressing the emotional side of leaving work is just as important as the numbers.

Tweetable Quotes:

Radon Stancil: “Retirement planning is like turning knobs—when you adjust one, it impacts the others. The key is making sure they all move in the right direction.”

Murs Tariq: “The confidence to retire doesn’t come from guessing—it comes from having a written plan that helps you make decisions with clarity.”

Resources:

 If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how state and local taxes, the property tax deduction, and the mortgage interest deduction might shift under new legislation. You’ll also hear strategies that combine charitable giving strategy, donor advised funds, HSA contributions, and 401k contributions to optimize your plan. Whether you’re exploring high income tax strategies or building your personal retirement checklist, this episode helps you position yourself to retire comfortably and secure your retirement.

In this episode, find out:

·     What the One Big Beautiful Bill Act could mean for the SALT deduction 2025.

·     The differences between standard vs itemized deduction in today’s environment.

·     How the SALT cap impacts state and local taxes, and why it matters for retirees.

·     Ways to leverage a charitable giving strategy or donor advised fund for tax efficiency.

·     How retirement tax planning integrates with 401k contributions, HSA contributions, and other tools to help you plan for retirement.

Tweetable Quotes:

·     “When it comes to taxes, the goal isn’t just to reduce today’s bill—it’s to create a strategy that works for your entire retirement.” – Radon Stancil

·     “Understanding the SALT cap and knowing when to use itemized deductions versus the standard deduction can make a huge difference in your long-term retirement planning.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Shawn explains how the recent court decision effects Medicare plan comparison, Medicare star ratings, and the role of brokers in guiding retirees. If you're planning retirement or reviewing your options during Medicare open enrollment, this episode provides practical insights and unbiased Medicare advice to help you make informed choices. 

Listen in to learn about: 

How Medicare broker compensation structures may impact your coverage decisions and what questions you need to ask to protect yourself from Medicare scams. Whether you're seeking SHIP counseling, comparing plans, or building your retirement checklist, this discussion will help you confidently navigate your Medicare options and secure your retirement. 

In this episode, find out: 

• The details behind the CMS rule, the court ruling, and what it means for Medicare Advantage beneficiaries. 
• How broker compensation can influence recommendations and why questions to ask brokers are critical. 
• Why aggressive Medicare marketing and commercials may increase — and how to stay vigilant. 
• How to leverage Medicare plan comparison tools and SHIP counseling for unbiased Medicare advice. 
• Steps you can take today to make smart, confident decisions for retiring comfortably. 

Tweetable Quotes: 

“Understanding how Medicare brokers are compensated empowers you to make better decisions and avoid being swayed by marketing tactics.” 

— Radon Stancil 

“Medicare open enrollment is your opportunity to make informed choices — but only if you ask the right questions and focus on what’s best for you, not the broker.” 

— Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast. 

Listen in to learn about retirement readiness, the importance of a personalized financial plan, and how to prepare both financially and emotionally for this life-changing transition. Radon and Murs break down the role of retirement strategies, retirement income planning, and the retirement mindset needed to confidently step into your next chapter. By focusing on your retirement goals and creating a clear roadmap, you can avoid the trap of delaying retirement year after year and instead secure your financial future.

In this episode, find out:

• How the “one more year trap” keeps people delaying retirement without realizing it.
• Why creating a personalized retirement plan builds retirement confidence and clarity.
• The emotional challenges of leaving a career and redefining your retirement mindset.
• How retirement income planning and Social Security strategies affect your decision.
• The value of the Peace of Mind Pathway in helping you plan for retirement and retire comfortably.

Tweetable Quotes:

“When you have a plan in place, the nervousness around retirement fades, and the one more year trap starts to disappear.” — Murs Tariq

“The trap isn’t about money; it’s about clarity. Once you see your retirement roadmap, you gain the confidence to step into the next phase of life.” — Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how these 2025 tax law changes may influence your retirement planning. Taylor walks through a real client case study showing how the standard deduction increase and a special $12,000 senior deduction can dramatically reduce taxable income and create more retirement tax savings. Whether you want to plan for retirement, update your retirement checklist, or make adjustments to secure a better financial future, this episode will help you optimize your income tax planning and avoid leaving money on the table.

In this episode, find out:

·     How the Big Beautiful Bill changes the IRS standard deduction 2025 and what it means for retirees.

·     Details about the new $12,000 senior tax deduction and who qualifies for it.

·     How these federal tax deductions can reduce your taxable income and save thousands.

·     Why your tax strategy for retirement must consider these 2025 tax law changes.

·     Practical steps for using these updates to maximize retirement tax savings and plan for retiring comfortably.

Tweetable Quotes:

“An increase in the standard deduction is an increase in tax-free income — meaning less taxes paid for the year.”

 — Taylor Wolverton

“Good tax planning is all about control. The more you understand the rules, the better your chances of securing your retirement.”

 — Murs Tariq

Resources

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how to adapt your retirement investment strategy using tools like the Three Bucket Strategy and strategic asset allocation in retirement. You’ll also hear why retirement income planning and retirement withdrawal strategy are essential for retiring comfortably while maintaining a growth mindset. Whether you’re 10 years from retirement or already there, this episode will help you refine your retirement savings strategy and create a plan to secure your retirement.

In this episode, find out:

• The key differences in financial planning for retirement during the accumulation and de-accumulation phases.
• How market downturns affect post-retirement investing compared to pre-retirement.
• Why the Three Bucket Strategy helps balance growth and safety for your retirement income planning.
• How asset allocation in retirement can help preserve wealth while still allowing for growth.
• The importance of retirement withdrawal strategy and tax-efficient income planning.

Tweetable Quotes:

• Radon Stancil: "When you lose 50% of your money in retirement, you don’t have decades to make it back—protecting your retirement savings becomes priority number one."
• Murs Tariq: "The goal isn’t to stop growing your money in retirement, it’s to grow within reason so you can retire comfortably without unnecessary stress."

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the pros and cons of pension payout options, such as taking a monthly pension annuity with survivor benefits or opting for a lump sum pension that can be rolled into an IRA. You’ll also hear real-life examples of clients who made different decisions based on their financial situations, including tax strategies like Roth conversions and opportunities for guaranteed retirement income outside of the company plan. If you’re asking, "Should I take a pension lump sum or income stream?" this episode is essential to retiring comfortably.

In this episode, find out:

• Key differences between a pension annuity and a lump sum.
• How to leverage a pension rollover to IRA for flexibility and tax advantages.
• The role of spousal coverage and legacy planning in pension decisions.
• Risk and reward considerations for managing pension in retirement.
• How to evaluate which option supports your personalized retirement checklist.

Tweetable Quotes:

"There’s no one-size-fits-all when it comes to pensions—your decision must be based on your entire retirement picture." – Murs Tariq

"Pension choices affect your income, taxes, and legacy—we help people analyze their options to secure their retirement." – Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how to leverage Net Unrealized Appreciation 401K rules to potentially pay lower capital gains tax instead of higher ordinary income tax, depending on how your 401(k)-company stock is handled. Radon, Murs, and Taylor walk through real-life examples of 401k retirement scenarios, helping you understand how the NUA strategy compares to traditional retirement account rollover plans such as moving funds into an IRA. If you’ve ever wondered about the tax difference between an IRA vs brokerage account, this episode helps you clarify your options.

In this episode, find out:

·     What Net Unrealized Appreciation (NUA) is and how it works.

·     Who qualifies for the NUA tax strategy and how to evaluate eligibility.

·     The tax differences between Capital gains vs ordinary income on company stock.

·     When to consider splitting assets between an IRA and brokerage account.

·     How NUA impacts your broader retirement tax strategy and required minimum distributions.

Tweetable Quotes:

“NUA lets you convert high-tax ordinary income into lower-tax capital gains—if you qualify, it could be a game changer.” – Radon Stancil

“Understanding your cost basis and when to use Net Unrealized Appreciation is key to smart 401(k) distribution planning.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit: POMWealth.net/podcast

Listen in to learn about how a structured, tax-efficient financial plan can help you retire early—even with market volatility and rising healthcare costs. Through this case study, Radon and Murs reveal the strategic decisions behind a successful transition into retirement, including Roth conversion strategies, required minimum distributions (RMDs), and how to manage income during Social Security gaps.

In this episode, find out:

·     How to retire at 55 with 2 million and what that lifestyle really looks like

·     Why the retirement planning at 55 stage is crucial for tax and investment decisions

·     The role of Social Security timing and how it impacts your portfolio withdrawals

·     How to use a Roth conversion strategy during low-income years to reduce long-term taxes

·     Why healthcare costs and Medicare planning must be part of your early retirement plan

Tweetable Quotes:

“The question is never just ‘Can I retire?’—it's ‘Can I retire and still live the way I want to?’” — Murs Tariq

“Tax strategy in retirement isn't optional—it's essential if you want to keep more of what you've saved.” — Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit: POMWealth.net/podcast

Listen in to learn about how a patient consultant can provide peace of mind by helping with healthcare decisions, coordinating communication with providers, and creating safe, functional home environments for aging loved ones. This episode is especially useful for those involved in retirement healthcare planning, acting as advocates for elderly parents, or seeking caregiver resources. Dr. Mizelle explains the unique difference between clinical care and advocacy, and how she supports people looking to stay home longer or adapt to life-changing diagnoses with confidence.

In this episode, find out:

·     What patient advocacy is and how it differs from traditional clinical care

·     How a health advocate for seniors helps families manage new diagnoses and medical complexity

·     Real-life examples of how advocacy can ease transitions after hospitalization

·     The process of aging in place and how to safely adapt a home for long-term care

·     How to connect with Palm Wellness for personalized healthcare support

Tweetable Quotes:

“Patient advocacy helps you slow things down, understand what’s happening, and make better-informed healthcare decisions.” – Radon Stancil

“It’s not just about treating the illness—it's about creating an environment where people can heal, live, and thrive.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit: POMWealth.net/podcast

Listen in to learn about the Market Outlook 2025, including how tariffs, interest rates, and the “Big Beautiful Bill” are shaping economic trends. Tom shares insight on how the Federal Reserve may act, what to expect from financial market volatility, and the overall impact of global policies. Whether you’re watching the Federal Reserve update or simply seeking stability in your portfolio, this discussion will help you make informed decisions as you secure your retirement. 

In this episode, find out: 

• What’s driving the volatility in the US economy 2025. 
• Why the “Big Beautiful Bill” matters and how its passage (or failure) could reshape policy. 
• The likely direction of interest rates and how it could impact retirees. 
• How tariffs are affecting the markets and the economy globally. 
• Strategies to stay calm and focused through financial market volatility. 

Tweetable Quotes: 

“Volatility won’t vanish—it’s how you respond that determines your financial peace of mind.” – Radon Stancil 

“Don’t let the day-to-day headlines derail your plan. Secure your retirement starts with clarity, not chaos.” – Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast. 

Listen in to learn about how to maximize HSA benefits for both short-term healthcare expenses and long-term retirement planning. Taylor explains how to use your HSA as a stealth retirement savings vehicle, how HSA and Medicare interact, and the critical contribution limits and eligibility requirements. If you’ve ever wondered how to use an HSA strategically in retirement, this episode is a must-listen.

In this episode, find out:

• What is a Health Savings Account and how does it offer a triple tax-free advantage?
• HSA contribution limits and eligibility rules under a high-deductible health plan.
• How HSAs interact with Medicare and when contributions must stop.
• The best strategies for HSA retirement planning and growing your account long-term.
• What happens to your HSA when you pass away and how HSA beneficiaries are taxed.

Tweetable Quotes:

"HSAs are the only triple tax-free account—contributions, growth, and withdrawals can all be tax-free when used correctly." – Taylor Wolverton

"A health savings account isn’t just for annual expenses—it’s a stealth retirement tool when used strategically." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about crucial financial decisions such as Roth conversions explained, managing Healthcare before Medicare, effective Medicare planning, and Long-term care planning options that protect your assets. Radon and Murs also explore investment strategies like the Bucket investment strategy and how to guard against Sequence of returns risk. Plus, they dive into sophisticated tax strategies like utilizing Donor advised funds, the Direct indexing strategy, and optimizing Charitable giving in retirement. This episode is a masterclass for anyone who wants to plan for retirement, live confidently, and secure your retirement.

In this episode, find out:

·     How to design a reliable retirement withdrawal strategy using the bucket system.

·     Why Roth conversions may offer powerful long-term tax benefits.

·     The importance of strategic tax withholding and year-by-year tax planning.

·     How to evaluate your healthcare options before Medicare and address future Medicare planning.

·     What to consider for Long-term care planning and protecting your retirement savings.

Tweetable Quotes:

"Transitioning into retirement isn’t just about stopping work — it’s about creating a sustainable income plan that gives you peace of mind." – Murs Tariq

"Every great retirement plan needs nurturing, because life happens and adjustments are always part of the journey." – Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the different rules based on whether the account was inherited before or after 2020, how the 10-year rule inherited IRA provision works, and how it contrasts with the old Stretch IRA rules. They also explain IRA beneficiary rules for both Roth inherited IRA and traditional IRAs, helping you determine the most tax-efficient strategy for your situation. With insights on Inherited IRA RMD rules, Secure Act IRA changes, and options for non-spouse IRA beneficiaries, this is a must-listen episode for anyone dealing with an IRA inheritance.

In this episode, find out:

• What the 10-year rule inherited IRA really means for beneficiaries.
• How IRA rules for beneficiaries differ for pre- and post-2020 inheritances.
• The difference between spousal vs non-spouse IRA beneficiary strategies.
• How to handle Inherited IRA RMD rules and avoid tax penalties.
• Why Roth inherited IRA strategies may involve waiting until year 10.

Tweetable Quotes:

“Just because you're not required to take a distribution every year doesn't mean it’s the best strategy for your taxes.” – Murs Tariq

“Understanding whether you're a spouse or non-spouse IRA beneficiary changes everything about how you manage the account.” – Taylor Wolverton

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how Medicare Part D changes affect your coverage decisions, how employer coverage and Medicare interact, and why understanding creditable drug coverage is now more crucial than ever. Shawn also discusses HSA and Medicare rules, key timelines for enrollment, and strategies to avoid the dreaded Medicare late enrollment penalty. This is a must-listen for anyone planning to retire comfortably while staying informed and protected when it comes to their Medicare Part D options.

In this episode, find out:

·      What exactly Medicare Part D covers and how it works.

·      How the Inflation Reduction Act Medicare provisions lower out-of-pocket drug costs.

·      What "creditable" drug coverage means and how to know if your employer plan qualifies.

·      When and how to enroll in Part D to avoid Medicare penalties.

·      How HSA and Medicare rules impact your decision to delay enrollment.

Tweetable Quotes:

“With Medicare Part D changes, what used to be a no-brainer may now require a complete reevaluation.” – Murs Tariq

“Missing a 63-day window could mean a lifetime of penalties—knowing your coverage status is critical.” – Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the difference between a financial plan and a Retirement Lifestyle Plan, how to proactively prepare for transitions like moving into a retirement community or making your home age-friendly, and how to find purpose beyond work. Whether you're looking into continuous care, exploring early retirement, or trying to stay mentally and socially engaged, this episode will help you build a vision that goes far beyond your nest egg.

In this episode, find out:

·      Why retirement life planning is just as important as financial planning.

·      The SPIES framework: addressing Social, Physical, Intellectual, Emotional, and Spiritual needs in retirement.

·      When to start planning for retirement lifestyle goals and how to structure your future.

·      The importance of purpose and stimulation after leaving the workforce.

·      Why being on a waitlist for a retirement community is part of smart planning.

Tweetable Quotes:

“Retirement planning isn't just financial—it's emotional, intellectual, and deeply personal.” – Radon Stancil

 “We all need purpose after retirement. Don’t wait to plan your next chapter.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about a lifestyle that blends cultural enrichment, flexible exploration, and social connection. Whether you’ve always dreamed of retiring in Europe, living abroad for a few months at a time, or simply traveling more deeply, Andrew’s concierge-style model offers a compelling alternative to rushed tours or crowded cruises. With thoughtful support, vetted accommodations, medical coverage, and built-in community, this is retirement travel planning designed for comfort, fun, and fulfillment.

In this episode, find out:

·      How living abroad in retirement can offer an immersive and stress-free lifestyle.

·      What makes Andrew’s travel concierge service unique for retirees.

·      Why slow travel Europe is gaining popularity among those 55+.

·      How the community-based cohort model adds joy and connection to extended trips.

·      The difference between traditional travel planning and a concierge-guided experience.

Tweetable Quotes:

“Retirement is your time—and living abroad offers the freedom to enjoy it your way, at your pace.” – Murs Tariq

“When you slow down and live like a local, you stop checking boxes and start truly experiencing the culture.” – Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the critical components of an annual retirement planning process—including the Roth conversion strategy, retirement tax planning, and long-term care considerations. Radon and Murs outline the cadence of two core strategy meetings each year: the Financial Plan Review and the Tax Strategy Meeting. You’ll also discover how their team supports clients with proactive retirement education, timely updates, and a collaborative, team-based approach to financial planning for retirement.

In this episode, find out:

·      Why nurturing your plan is essential to retiring comfortably.

·      What happens in the Financial Plan Strategy Meeting and how it supports your evolving goals.

·      The value of the Tax Strategy Meeting and how it aligns with your retirement tax strategy.

·      How long term care planning and beneficiary reviews are integrated annually.

·      The importance of communication and ongoing retirement education to keep your plan on track.

Tweetable Quotes:

"Building a retirement plan is just the beginning—nurturing it ensures you stay on track through every stage of life." – Radon Stancil

 "Strategy meetings are not just check-ins; they’re where proactive planning meets real-life updates to secure your retirement." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the intentional and methodical approach used at Peace of Mind Wealth Management to ensure your retirement income strategy, healthcare coverage, long term care planning, and retirement tax planning are all set up efficiently. This step-by-step retirement planning process also includes evaluating your current estate plan, understanding your Medicare and retirement options, and implementing a bucket strategy for retirement that aligns with your comfort level and goals. Discover how implementation isn’t a one-time task—it’s the beginning of a lasting, flexible retirement journey.

In this episode, find out:

·      What happens when you decide to move forward with your retirement plan.

·      How asset transfers are managed through trusted custodians like Schwab or Fidelity.

·      Why implementation is paced over months to ensure thoughtful decision-making.

·      The key components of investment strategy for retirees, tax efficiency, and legal documentation.

·      How the Peace of Mind Pathway supports retiring comfortably through long-term care and Medicare strategy.

Tweetable Quotes:

“Implementation is not a one-and-done step—it’s the launchpad for long-term retirement success.” – Radon Stancil

 “We take baby steps with purpose, so every element of your retirement plan gets the attention it deserves.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit: POMWealth.net/podcast

Listen in to learn about how building a retirement-focused financial plan can reduce stress, reveal opportunities, and help you retire comfortably. You'll hear how an introductory meeting evolves into a comprehensive, personalized strategy session that gives you direction and peace of mind. With topics ranging from Roth conversions in retirement to bucket strategy retirement, this episode is perfect for anyone who’s ready to take their first step toward a secure your retirement future.

In this episode, find out:

·      Why the Peace of Mind Roadmap is critical to financial planning for retirement

·      How your personalized GPS for retirement guides your unique journey

·      The role of planning meetings and how they evolve into strategy sessions

·      How to evaluate your retirement destination and adjust along the way

·      The impact of Roth conversions, healthcare costs, and charitable giving on your plan

Tweetable Quotes:

"Your retirement plan should function like a GPS—clear, adaptable, and designed around your unique destination." – Radon Stancil

"A well-crafted roadmap gives you more than numbers—it gives you the confidence to enjoy your retirement journey." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast

Listen in to learn about fun things to do in retirement, from volunteering in retirement and gardening to traveling and staying active with sports like pickleball. They also discuss how participating in activities after retirement helps build social connections, promotes lifelong learning, and keeps retirees energized. If you're planning retirement lifestyle goals, this episode is full of practical inspiration to help you retire comfortably and secure your retirement.

In this episode, find out:

·      Why it's crucial to plan hobbies for seniors ahead of retirement.

·      The best ways to incorporate fun things to do in retirement into daily life.

·      How volunteering in retirement benefits your health and social life.

·      Why activities like gardening, traveling, and learning are top picks for retirees.

·      Tips for trying new activities for retirees and building a fulfilling lifestyle.

Tweetable Quotes:

"Retirement is the perfect time to invest in yourself through hobbies that inspire, energize, and bring joy." — Radon Stancil

"Having an active retirement isn't just fun—it's essential for your mental, physical, and emotional well-being." — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the potential impact of the 2025 recession talk, the Inflation outlook 2025, consumer behavior trends like Consumer spending 2025, and how the Federal Reserve is navigating these turbulent times. Whether you're planning for retirement or adjusting your financial strategy, this economic update offers clear-eyed guidance for financial planning for 2025 and beyond. 

In this episode, find out: 

• How the "January effect" influenced the 2025 market outlook. 
• The role tariffs and the economy are playing in increased market volatility. 
• The importance of consumer sentiment and Consumer spending 2025. 
• How the Federal Reserve's decisions are being pressured by current economic conditions. 
• Insights into the economic forecast 2025 and how it impacts Retirement Planning. 

Tweetable Quotes: 

"Economic uncertainty is a given, but having a well-structured retirement plan prepares you for whatever comes next." – Radon Stancil 

"Even in volatile times, sticking to a flexible, diversified strategy is the key to retiring comfortably." – Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast. 

Listen in to learn about the value of Memory preservation not just as a digital convenience, but as a way to remember loved ones and tell your family's story across generations. Whether you're looking to scan old photos, organize digital photos, or understand how to organize photos from multiple sources, this episode shows how Mylio empowers you to create a meaningful and secure photo backup plan. With privacy-first features, family sharing options, and facial recognition, this is a must-listen for anyone preparing to retire comfortably and pass on more than just financial assets.

In this episode, find out:

• How the Mylio app helps centralize and organize photos from various sources.
• Why Photo legacy and Family history photos matter for future generations.
• The importance of Secure photo backup beyond just cloud services.
• How to use face-tagging, calendar views, and location data to enhance organization.
• Tips on Sharing photos with family while maintaining privacy.

Tweetable Quotes:

"Legacy isn’t always about wealth—it’s about memories, photos, and the stories we pass down." – Radon Stancil

"We create memories every day, but organizing and preserving them ensures they actually live on." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the mechanics of how do RMDs work, from when to take RMDs to how they’re taxed and the penalties for missing one. The episode also explores RMD for retirement accounts like IRAs and 401(k)s, RMD tax rules, and even strategies like RMD and charitable giving. Whether you're planning ahead or facing your first required withdrawal, understanding your obligations is key to effective retirement tax planning and preserving your wealth.

In this episode, find out:

·      What qualifies as a required minimum distribution and who it applies to.

·      Updated RMD start ages under the Secure Act RMD changes.

·      How RMDs are calculated using the IRS Uniform Lifetime Table.

·      The tax implications of RMDs and how to manage them effectively.

·      Smart options for reinvesting or donating your RMD.

Tweetable Quotes:

"You can’t put RMDs back into an IRA or convert them to Roth—but you can reinvest them into a brokerage or give to charity tax-free." – Radon Stancil

"Even if you don’t need the money, RMDs are required—it’s about paying back the taxes you’ve deferred for years." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the critical role of an executor, how the probate process works, and how thoughtful estate planning for retirement can help streamline the experience for your loved ones. With practical tips, real-world scenarios, and an overview of executor compensation, this episode demystifies a process many find overwhelming.

In this episode, find out:

·      What is an executor and what powers they actually have

·      The difference between executor vs trustee and why both may be needed

·      How the probate process works and why avoiding it might be preferable

·      Key executor responsibilities like settling debts, managing distributions, and navigating court timelines

·      The importance of aligning your estate plan with your retirement strategy

Tweetable Quotes:

“You don’t want the court to pick your executor—you want to make sure the right person is chosen by you.” – Radon Stancil

“Being an executor comes with power, but also responsibility—and that includes understanding the law and honoring the will.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast

Listen in to learn about the ways tariffs and inflation can influence retirement expenses, affect your investment strategies, and ultimately play a role in your financial planning in retirement. By understanding the mechanics behind trade policies and their economic ripple effects, you’ll gain clarity on how to plan for retirement, regardless of how global politics unfold. Radon and Murs also discuss how their Peace of Mind Pathway and bucket investment strategy helps clients stay prepared for unpredictable changes like trade war effects.

In this episode, find out:

·      What are tariffs and their role in trade policy.

·      How do tariffs work and how they're implemented.

·      The Impact of tariffs on inflation and consumer pricing.

·      Lessons from the US China trade war and how trade disputes evolve.

·      How to create a resilient retirement plan that addresses economic volatility.

Tweetable Quotes:

"We’re not here to judge whether tariffs are good or bad—but understanding how they work helps reduce financial anxiety." – Radon Stancil

"A well-built retirement strategy should account for inflation, market volatility, and even things like tariffs and trade wars." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about Financial Planning for Retirement, strategies for Retirement Savings, and ensuring a stress-free transition to retirement. Whether you're already retired or preparing for the next phase, this episode will help you plan for retirement effectively, identifying potential gaps in your strategy. You’ll also learn how to access the full Retirement Checklist to take the challenge yourself!

In this episode, find out:

·      Why Retirement Income Planning is crucial to maintaining financial security.

·      How to evaluate your Social Security Strategies and income sources.

·      The importance of Tax-Efficient Retirement Strategies to minimize tax burdens.

·      How to assess your Medicare and Retirement options effectively.

·      The role of Risk Management and diversification in protecting your retirement.

Tweetable Quotes:

"A well-prepared retirement starts with understanding your income, healthcare, and tax strategies—take the Retirement Checklist Challenge to see where you stand!" – Radon Stancil

"Retirement planning isn't just about saving money—it's about ensuring you have the right strategy for income, taxes, healthcare, and long-term security." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about Non-Correlated Assets and their role in Risk Management in Investing, helping to stabilize portfolios against market fluctuations. Christopher explains how his firm focuses on diversification with non-traditional investments, offering access to exclusive deals that can enhance wealth management strategies. Whether you're planning for retirement or looking for Secure Retirement Investments, this conversation provides valuable perspectives on how to plan for retirement using alternative investments beyond the public markets.

In this episode, find out:

·      The key differences between Public Markets and Private Equity Investing.

·      How Alternative Investment Strategies provide diversification and risk reduction.

·      Why Investing in Sports Teams and other private markets is becoming more accessible.

·      The concept of Non-Correlated Assets and how they impact portfolio stability.

·      How to invest in private equity and access high-quality opportunities.

Tweetable Quotes:

"The key to risk management in investing is alignment—when you're invested alongside your clients, you're making decisions that benefit everyone." – Radon Stancil

"Diversification isn't just about owning different stocks; it's about Non-Correlated Assets that perform independently, reducing overall risk." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how a solid retirement investment strategy, focused on the Three Bucket Strategy, can help reduce sequence of returns risk and provide clarity and peace of mind. With today’s market volatility and increasing long-term care costs, it’s more important than ever to create a retirement planning guide that ensures your income, protects your assets, and helps you secure your retirement future through thoughtful tax strategies in retirement, retirement withdrawal strategies, and more.

In this episode, find out:

·      How the Peace of Mind Pathway guides you from working years to retirement with confidence.

·      Why sequence of returns risk can derail your plan and how to protect against it.

·      What makes the Three Bucket Strategy essential for high-net-worth retirement success.

·      The growing importance of long-term care planning in today’s retirement landscape.

·      Key retirement withdrawal strategies to create predictable, reliable income for decades.

Tweetable Quotes:

"Our whole concept revolves around the Peace of Mind Pathway—it's not just about investments, it's about creating a complete plan to secure your retirement." — Murs Tariq

"The safety bucket is what allows you to sleep at night. It's the foundation that keeps you from worrying about daily market swings." — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the different categories of financial planning for retirement, from understanding retirement income sources to preparing for healthcare costs and legacy planning. Radon and Murs cover practical strategies to help you navigate questions like how to retire early, how to manage taxes, and what steps are needed to support both your family and business as you plan for retirement. Whether you're seeking clarity on your next move or aiming to build confidence in your retirement future, this episode will guide you through the process of securing your retirement with purpose.

Listen in to learn about:

·      How to clarify retirement planning goals and gain confidence in your financial future.

·      Important considerations for retirement planning for families, like funding weddings or creating lasting memories.

·      What retirement planning for business owners looks like and how to prepare for selling a business or transitioning.

·      Why tax planning for retirement needs to happen early and strategies to reduce tax burdens.

·      How to approach estate planning for retirement, ensuring your loved ones and charitable goals are properly protected.

Tweetable Quotes:

·      "When you plan ahead, retirement becomes something you get to enjoy on your own terms, with confidence." – Radon Stancil

·      "Understanding your retirement income sources and goals gives you the power to retire comfortably." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the importance of financial planning for retirees and how a well-structured plan can help you retire comfortably. They emphasize the need for investment risk management and safe investment strategies to mitigate the effects of inflation and market changes. Whether you're asking, "When should I retire?" or working through your retirement checklist, this episode offers actionable steps to plan for retirement effectively.

In this episode, find out:

·      How inflation affects retirement and what retirees can do to manage increasing costs.

·      The impact of market volatility and interest rates on retirement planning.

·      Why Social Security optimization is crucial and how to maximize your benefits.

·      The role of a structured retirement income strategy in securing your retirement.

·      The importance of a well-balanced investment portfolio to mitigate financial risks.

Tweetable Quotes:

"Having a solid retirement plan means you won’t be blindsided by inflation or market volatility—it’s about peace of mind." – Radon Stancil

"Social Security is just one piece of the puzzle; having a financial roadmap ensures long-term security and flexibility in retirement." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the different IRS tax forms you should expect, including W-2 and 1099 forms, and how to differentiate between standard vs. itemized deductions. Taylor also covers the significance of Qualified Charitable Distributions (QCDs) in retirement planning and how they impact your tax filing. Get valuable tips on avoiding common tax mistakes and ensuring all necessary documents are included in your tax filing checklist. This episode is packed with expert filing tips to help you retire comfortably and secure your retirement. 

In this episode, find out: 

• The key tax documents you need for tax season preparation, including IRS tax forms like W-2, 1099, and 1099-R. 
• The difference between standard vs. itemized deductions and how to determine the best option for you. 
• The importance of Qualified Charitable Distributions (QCDs) for retirement tax planning and how to report them correctly. 
• Common tax mistakes to avoid when filing your return. 
• Best practices for organizing and storing tax documents to streamline future filings. 

Tweetable Quotes: 

• "The IRS receives all your tax forms, so ensuring accuracy in your tax filing is crucial to avoid unnecessary headaches." – Radon Stancil 
• "If you made a Qualified Charitable Distribution (QCD), make sure to report it correctly—your 1099-R won’t automatically show it as tax-free!" – Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast. 

The US economic outlook for 2025 with returning guest Andrew Opdyke, an economist who provides valuable insights into the key economic factors shaping the year ahead. With Federal Reserve policies, inflation and interest rates, and market volatility dominating financial conversations, we break down what investors and retirees need to know.

From employment trends to investment strategy, Andrew highlights how government policies, market shifts, and technological advancements—such as AI and automation—will influence US economic growth in 2025. Whether you're focused on your retirement plan, portfolio diversification, or simply trying to make sense of 2025 inflation trends, this episode is packed with expert analysis.

Listen in to learn about:

·      How Federal Reserve policies and interest rates could impact your retirement planning

·      Why market volatility is expected in early 2025 and how to prepare

·      The economic impact of Trump’s policy changes, including tariffs, tax cuts, and regulatory shifts

·      The role of technology and economic growth, including the rise of AI

·      Why US employment trends could dictate how quickly the economy stabilizes

In this episode, find out:

·      How inflation trends from 2024 set the stage for Federal Reserve policies in 2025

·      Why market volatility explained matters for investors and retirees

·      The impact of US employment trends on economic growth

·      What to expect from Trump’s policy shifts in trade, taxation, and regulations

·      Why technology advancements could shape the future of the economy

Tweetable Quotes:

·      "The Federal Reserve has a balancing act in 2025—cutting rates while ensuring inflation doesn’t spike again." — Radon Stancil

·      "2025 is shaping up to be a year that economic textbooks will reference—whether for policy success or political gridlock." — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the process of designing the perfect trip, from idea to execution. Discover how professional travel planning ensures a stress-free journey, allowing you to focus on making memories. Molly explains the importance of timing, budgeting, and selecting the right destinations, ensuring that each trip is meaningful and special.

In this episode, find out:

·      How to plan bucket list trips of a lifetime without the stress.

·      The benefits of personalized travel itineraries tailored to your preferences.

·      Why luxury travel planning offers unparalleled value and peace of mind.

·      The importance of timing and advanced preparation for exclusive travel experiences.

·      Insights into cultural immersion travel and how it transforms your journey.

Tweetable Quotes:

·      "Travel isn't just about destinations; it's about the memories and connections you create along the way." – Radon Stancil

·      "A well-planned trip can turn dreams into unforgettable realities." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

For expert travel planning, visit Molly Glasgow’s website at www.mollyglasgowtravel.com.

The current state of the economy as we move into 2025. Joined by Tom Siomades, a chief marketing economist, they analyze how the election results, policy changes, and global events are influencing the stock market trends and broader economic outlook. Tom’s straight-talking insights provide valuable perspectives on inflation vs. interest rates, long-term investment planning, and small business growth.

Listen in to learn about:

The challenges and opportunities shaping the 2025 economic outlook. Tom highlights key market trends, including the resilience of the stock market, the impact of energy policies, and the potential for economic growth amidst regulatory and political shifts. Whether you’re focused on retirement planning or seeking financial planning tips, this episode delivers actionable insights to secure your retirement.

In this episode, find out:

·      How 2024’s lessons of patience in investing are shaping strategies for 2025.

·      The effects of the new administration's policies on the U.S. economy and stock market.

·      Why inflation and energy costs remain central to the economic forecast for 2025.

·      Opportunities for small business growth through deregulation.

·      Long-term investment planning strategies for navigating a shifting market landscape.

Tweetable Quotes:

·      “2024 reminded us of the value of patience in long-term investing—missing one market rally could mean missing the next 56.” – Tom Siomades

·      “Energy costs and deregulation are the twin keys to unlocking sustainable economic growth.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the differences between Medicare Advantage and original Medicare, how to navigate maximum out-of-pocket costs, and what to look for when considering switching plans. Whether you’re planning retirement, retiring comfortably, or just looking to secure your retirement, understanding your Medicare options is crucial for avoiding costly mistakes.

In this episode, find out:

·      The key differences between Medicare Advantage plans and original Medicare.

·      How Medicare Advantage Open Enrollment works and what changes you can make.

·      The importance of evaluating Medicare Advantage networks and prescription drug coverage.

·      Potential pitfalls when switching to original Medicare and Medigap policies.

·      How maximum out-of-pocket costs and co-insurance impact your financial planning.

Tweetable Quotes:

·      “Understanding your Medicare Advantage plan can mean the difference between peace of mind and unexpected financial stress.” – Radon Stancil

·      “Your healthcare coverage should work for you, not against you. Take the time to explore your options.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the tax benefits of donations, the importance of choosing the right type of gift, and how to align your charitable goals with your overall retirement plan. Whether you're donating cash, assets with capital gains, or making qualified charitable distributions, Radon and Murs provide practical advice to help you navigate these options effectively.

In this episode, find out:

·      The benefits of donating cash and how AGI limits affect tax deductions.

·      How to use donating appreciated assets to avoid capital gains taxes while gaining deductions.

·      The rules surrounding qualified charitable distributions (QCDs) for individuals over 70½.

·      How to leverage long-term and short-term capital gains in your charitable giving strategy.

·      The impact of the 2025 standard deduction on itemizing charitable deductions.

Tweetable Quotes:

·      "Charitable giving isn’t just about generosity; it’s about maximizing impact and minimizing taxes." – Radon Stancil

·      "Understanding AGI limits can turn charitable donations into powerful tax-saving tools." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the updated financial planning numbers that are essential for a secure retirement. Radon and Murs delve into tax brackets, Social Security adjustments, HSA limits, and strategies to make the most of these changes. You’ll gain actionable insights to optimize your financial decisions for the new year.

In this Episode, find out:

·      The 2025 tax brackets and how inflation adjustments affect your tax planning.

·      Updates to 401(k), IRA, and HSA contribution limits for retirement savings strategies.

·      The latest changes to Social Security benefits, including COLA adjustments and taxation thresholds.

·      Medicare IRMAA updates and how income levels impact your premiums.

·      Key estate tax exemptions and what they mean for legacy planning.

Tweetable Quotes:

1.    Radon Stancil: "Understanding your tax brackets is crucial for making good decisions around tax strategy and retirement planning."

2.    Murs Tariq: "Small changes in financial numbers can have a big impact—staying informed helps you retire comfortably and securely."

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about actionable steps you can take now to set yourself up for success in 2025. From evaluating long-term care insurance options to reviewing retirement planning strategies, this episode is packed with valuable insights. Don’t miss the opportunity to access their checklist, which will guide you through every category you should be thinking about as the new year begins.

In this episode, find out:

·      How to evaluate cash flow management and align your goals for the year.

·      The importance of reviewing estate planning updates to ensure everything is up-to-date.

·      Why assessing your investment risk is crucial as you plan for retirement.

·      Key tax strategies like Roth IRA conversion benefits and contribution limits.

·      Tips on when to consider long-term care insurance review and its advantages.

Tweetable Quotes:

·      "The more we’re prepared, the smoother things usually go." – Radon Stancil

·      "Understanding what’s coming in and what’s going out is the foundation of good financial health." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how to build a financial plan that works for you, even when unexpected scenarios arise. You’ll also gain insight into why retirement planning at 62 requires more than simple calculations and how ongoing adjustments can help you retire comfortably and with peace of mind.

In this episode, find out:

·      How much you need to retire at 62 and why a conservative approach matters

·      A step-by-step breakdown of Social Security income strategies for early retirees

·      How inflation impacts retirement expenses and why planning for it is crucial

·      Key insights into 401k withdrawal strategies and cash flow sustainability

·      Why a flexible and evolving retirement financial plan is essential

Tweetable Quotes:

·      “Retirement planning isn’t about a one-time decision; it’s about creating a flexible, evolving plan that adapts to life changes.” - Radon Stancil

·      “The key to retiring at 62 is understanding your numbers and having a solid plan to sustain your lifestyle long-term.” - Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the importance of having a comprehensive Checklist for Surviving Spouse, which includes financial advice, legal matters, and practical steps to take when a loved one dies. From understanding Social Security benefits to estate planning, Radon and Murs provide actionable insights to help you regain clarity and peace of mind during this life-altering period. 

In this episode, find out: 

• How cash flow changes when a spouse passes and what to do about it. 
• The importance of retitling accounts, understanding wills, and updating estate plans. 
• Key considerations for Social Security survivor benefits and tax implications. 
• Why it’s vital to locate all accounts, insurance policies, and passwords. 
• How to adjust your retirement plan to reflect your new reality.

Tweetable Quotes: 

• “Losing a spouse is overwhelming, but having a clear plan can turn chaos into clarity.” – Radon Stancil 
• “Understanding your new financial picture is the first step to securing your future.” – Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast.

How to build the foundational steps for retiring at age 62 and achieving peace of mind in retirement planning. They dive into the critical questions that need to be answered, the data required to assess retirement readiness, and the steps to create a retirement roadmap. With this episode as the first of a two-part series, Radon and Murs explain how understanding your financial situation and goals lays the groundwork for a secure retirement.

Listen in to learn about:

·      The key elements of a retirement-focused financial plan and how to gather the right data.

·      Why organizing your accounts and understanding assets is essential for retiring comfortably.

·      The importance of identifying income sources like Social Security, pensions, and other retirement accounts.

·      How to categorize your retirement expenses into essentials, wants, and legacy goals.

·      The role of regular plan monitoring to adapt and adjust your retirement roadmap over time.

In this episode, find out:

·      The initial steps to determine if retiring at age 62 is feasible.

·      How to use the Peace of Mind Pathway to clarify retirement goals.

·      The importance of understanding and organizing investment assets.

·      How to plan for retirement expenses, including big-ticket items.

·      Why estate planning and understanding liabilities are vital for retirement security.

Tweetable Quotes:

·      "Retirement planning is about aligning your ins and outs: what you’ve saved and what you’ll spend." – Radon Stancil

·      "Gathering the right data upfront is the foundation of any successful retirement plan." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how the Nationwide Monument Advisor provides tax-efficient investment opportunities for individuals with non-IRA, non-401(k) assets. Radon and Murs break down the product’s mechanics, compare it to traditional variable annuities, and explain how it fits into a well-rounded retirement planning strategy. Whether you’re looking to manage brokerage account taxes, avoid capital gains, or simplify your tax return, this episode sheds light on how this tool can help secure your retirement.

In this episode, find out:

·      What makes the Nationwide Monument Advisor different from traditional variable annuities.

·      How tax deferral works and why it’s advantageous for non-qualified assets.

·      The importance of low costs in variable annuities and how this product excels.

·      The flexibility of liquidity options and absence of surrender charges.

·      How to leverage this product for retirement income planning and investment management.

Tweetable Quotes:

·      “The Nationwide Monument Advisor flips the script on variable annuities by offering a low-cost, tax-efficient way to manage non-IRA investments.” – Radon Stancil

·      “With tax deferral and no surrender charges, this product removes the barriers that hold many back from optimizing their brokerage accounts.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast

Listen in to learn about the emotional challenges many retirees encounter and how identifying your purpose can lead to fulfillment in this stage of life. Discover how the “Four Phases of Retirement” framework can help you plan for retirement beyond just finances and transition smoothly into a meaningful and joyful retirement life.

In this episode, find out:

·      What the Four Phases of Retirement are and how they apply to your journey.

·      Why emotional preparation is as important as financial planning steps.

·      How to avoid feeling lost and overcome the challenges of retirement.

·      The importance of finding purpose and creating a sense of fulfillment after retirement.

·      Practical tips for retiring comfortably and planning retirement with confidence.

Tweetable Quotes:

1.    “Retirement isn’t just about leaving work; it’s about finding a renewed purpose that makes you excited to get up each morning.” – Radon Stancil

2.    “The happiest retirees are those who commit to service—whether it’s mentoring, volunteering, or being the best grandparent they can be.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the importance of understanding rules of thumb, like the 4% rule for retirement, while also acknowledging their limitations. Radon and Murs explain the concept of sequence of returns risk and how strategies like dividing assets into growth and safety buckets can help mitigate risks. They also emphasize the need to factor in inflation and longevity when determining whether your retirement savings are sufficient for your desired lifestyle.

In this episode, find out:

·      The relevance of the 4% rule and its application to budgeting on Social Security.

·      How inflation and market volatility impact retirement income strategies.

·      Why personalized retirement planning is essential for financial security.

·      The role of growth and safety buckets in combating sequence of returns risk.

·      What to consider when deciding to retire and ensuring a smooth transition.

Tweetable Quotes:

·      “Retirement planning isn’t about simple math—it’s about creating a personalized strategy that gives you peace of mind.” – Radon Stancil

·      “Sequence of returns risk can derail a retirement plan, but strategies like safety and growth buckets provide stability and confidence.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the unique benefits of using annuities as an asset class and why they may serve as a better alternative to bonds for certain retirement income strategies. They discuss the challenges in bond markets, especially in today’s economy, and explain how fixed index annuities could offer more stability and potentially higher returns. Whether you’re seeking to reduce risk exposure or establish a more predictable retirement income stream, this episode provides valuable insights for a comfortable and secure retirement.

In this episode, find out:

·      Why the traditional 60/40 portfolio may not be ideal for today’s retirees

·      The impact of rising interest rates on bond volatility and retirement planning

·      How fixed index annuities can complement stock market investments

·      The pros and cons of using annuities to manage stock market risk

·      Practical steps to incorporate annuities as part of your retirement checklist

Tweetable Quotes:

·      "The old way of using bonds for stability is worth re-evaluating—annuities could provide the alternative you need." – Radon Stancil

·      "Fixed index annuities can offer income stability without the bond market's volatility." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about why a letter to your heirs is more than just a nice gesture—it's a critical tool in estate planning. Radon and Murs delve into the specifics of what such a letter should include and the ways it complements other estate documents like wills and trusts. They also share personal stories of how a well-prepared letter can make a significant difference during challenging times.

In this episode, find out:

·      Why a letter to your heirs is essential to estate planning.

·      How this letter can simplify the process for your executor or trustee.

·      What key details to include in your letter to create clarity.

·      The importance of avoiding quick decisions on inheritance.

·      How to ensure peace of mind is passed along to the next generation.

Tweetable Quotes:

·      “A letter to your heirs is not just a courtesy; it’s a vital part of estate planning that provides peace of mind and clarity.” - Radon Stancil

·      “This letter simplifies the emotional and logistical challenges for your loved ones, allowing them to navigate your estate with confidence.” - Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the important factors to consider during Medicare AEP 2025, including the upcoming changes in prescription drug coverage, plan premiums, and benefits. Shawn also sheds light on how to evaluate your maximum out-of-pocket costs and the importance of checking provider networks and extra benefits offered by Medicare Advantage plans. Don’t miss out on these essential retirement planning insights to secure your healthcare in retirement.

In this episode, find out:

·      Why you need to review your current Medicare coverage annually.

·      How changes in premiums, co-pays, and maximum out-of-pocket costs can affect you.

·      The importance of evaluating extra benefits like dental, vision, and fitness programs.

·      How to ensure your providers are in-network for the upcoming year.

·      Key changes in prescription drug coverage and what they mean for you in 2025.

Tweetable Quotes:

·      "What worked for you last year may not be the best fit for next year. It’s essential to review your Medicare plan annually." — Shawn Southard

·      "Medicare AEP is the time to reassess, compare, and make sure your coverage is still serving you in the best way possible." — Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the economic forecast for 2024 and beyond, how geopolitical risks may affect markets, and what to expect from the real estate and tech sectors. Andrew explains these complex topics in an approachable manner, helping listeners understand how global and domestic events might influence their retirement planning strategy.

In this episode, find out:

·      How the 2024 election could impact the U.S. economy and markets.

·      The effects of Federal Reserve rate cuts and what to expect moving forward.

·      The role of AI growth and technology advancements in economic growth.

·      Geopolitical risks and their potential to influence inflation and trade.

·      What to expect in the real estate market in 2024 and beyond.

Tweetable Quotes:

·      "The Fed's actions aren't about a single move; it's the broader trend that matters for the economy." — Radon Stancil

·      "When it comes to planning for retirement, we must think long-term and not overreact to short-term market fluctuations." — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the specifics of how hybrid long-term care annuities and life insurance policies function, including their coverage benefits, underwriting processes, and payout options. Radon and Murs discuss important factors such as guaranteed issue policies, tax-free benefits, and the impact of age and health status on insurance choices, empowering listeners to make informed decisions on planning for long-term care in retirement.

In this episode, find out:

·      The differences between hybrid long-term care annuity and life insurance policies.

·      How guaranteed issue policies work and when they may be beneficial.

·      The benefits of tax-free long-term care withdrawals and inflation riders.

·      Strategies for funding hybrid policies through lump-sum payments or ongoing premiums.

·      How to determine which option may be the best fit based on age, health, and financial goals.

Tweetable Quotes:

·      "The beauty of hybrid long-term care solutions is that they can provide tax-free benefits, giving you financial flexibility when you need it most." – Radon Stancil

·      "If you're cash flow heavy but don't have assets set aside, the Lincoln MoneyGuard's pay-as-you-go model may be the right approach for you." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how Flourish Cash works, why it’s a game changer for cash management, and how it can provide you with more FDIC protection than a traditional savings account. Radon and Murs share their insights on how this partnership can simplify your savings strategy, keep your cash liquid, and help you earn competitive interest without any hidden fees.

In this episode, find out:

·      How Flourish Cash offers competitive interest rates and no minimum balance requirements.

·      Why Flourish Cash provides FDIC coverage up to $5 million per person.

·      The advantages of a cash management account for liquidity and safety.

·      How to integrate Flourish Cash into your overall financial strategy.

·      Ways Flourish Cash can simplify your cash management without sacrificing returns.

Tweetable Quotes:

·      "Flourish Cash offers high-yield savings with massive FDIC coverage and zero minimum balance – truly a game changer." – Radon Stancil

·      "This partnership is all about giving our clients a secure, liquid option for their savings with the best possible interest rates." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the key features of hybrid long-term care insurance, including tax-free benefits and flexibility in coverage options. Radon and Murs also dive into how these policies can be structured to provide peace of mind without the worry of losing premiums, unlike traditional long-term care insurance. Whether you're considering annuities or life insurance, this episode helps clarify the potential benefits and drawbacks of each option.

In this episode, find out:

·      The differences between hybrid annuities and hybrid long-term care insurance policies.

·      Key features of the MoneyGuard Fixed Advantage policy.

·      How hybrid long-term care insurance can protect your assets and provide tax-free benefits.

·      Why flexibility and elimination periods matter in long-term care coverage.

·      A comparison of long-term care and death benefits within hybrid life insurance policies.

Tweetable Quotes:

·      "With hybrid long-term care insurance, you're not just buying coverage—you’re securing peace of mind for both you and your heirs." – Radon Stancil

·      "This is about transferring some of the risk for long-term care, giving you options without losing the money you’ve invested." – Murs Tariq

Resources:

If you are in or nearing retirement and want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the key differences between traditional long-term care insurance and hybrid solutions, why hybrid annuities like the Equitrust Bridge stand out, and how to effectively use these financial products as part of a broader retirement planning strategy. Radon and Murs also offer guidance on the minimal underwriting requirements for these annuities and the options available even for individuals with health concerns.

In this episode, find out:

·      What hybrid long-term care annuities are and how they work.

·      Key features of the Equitrust Bridge annuity and its long-term care rider.

·      The advantages of hybrid solutions over traditional long-term care insurance.

·      How minimal underwriting allows greater accessibility to hybrid long-term care.

·      The substantial tax benefits associated with using annuities for long-term care.

Tweetable Quotes:

·      "This hybrid annuity is designed to give you the long-term care coverage you need, with the added benefit of keeping your money working for you." – Radon Stancil

·      "For those looking to bridge the gap in retirement planning, a hybrid annuity offers tax advantages and peace of mind for long-term care needs." – Murs Tariq

Resources:

If you are in or nearing retirement and want to gain clarity on what questions you should be asking, learn about the biggest retirement myths, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the changes in long-term care insurance over the past 20 years and why traditional policies are becoming less common. Discover alternative long-term care solutions, such as hybrid policies that combine life insurance or annuities with long-term care benefits, and understand the pros and cons of each approach. This episode provides a high-level overview to prepare you for more detailed discussions in future episodes.

In this episode, find out:

·      The issues with traditional long-term care insurance policies.

·      How hybrid policies involving life insurance and annuities can help with long-term care.

·      The pros and cons of long-term care insurance options.

·      The role of underwriting in long-term care policies.

·      How to evaluate whether to self-insure or buy long-term care insurance.

Tweetable Quotes:

·      “Long-term care planning isn’t fun to talk about, but it’s essential if you want to secure your future.” — Radon Stancil

·      “There are alternatives to traditional long-term care insurance, and it’s all about finding the best fit for your needs.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about how you can avoid unexpected tax bills or penalties by effectively managing your retirement tax withholdings. Taylor provides practical examples and shares real-life scenarios to demonstrate how different income sources, such as Social Security benefits, pensions, and investments, can impact your tax obligations. This episode is a must-listen for anyone looking to develop a robust retirement tax strategy and maintain financial peace of mind.

In this episode, find out:

• How to adjust your tax withholdings in retirement to avoid surprises and penalties.
• The impact of different income sources, including Social Security and pensions, on your tax obligations.
• Strategies for maintaining consistent cash flow and managing tax liabilities efficiently.
• Real-life examples and scenarios illustrating the importance of understanding tax withholdings.
• Tips on reviewing and adjusting tax withholdings annually to align with your changing financial situation.

Tweetable Quotes:

• "The power of understanding your withholdings is peace of mind—no surprises come tax time." — Radon Stancil
• "Adjusting withholdings isn't just a set-it-and-forget-it task; it's an annual review to ensure your tax strategy aligns with your retirement goals." — Taylor Wolverton, CFP, EA

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the various factors you should consider when deciding when to apply for Social Security benefits, how Social Security benefits are calculated, and how different types of income, like IRA withdrawals, might impact your benefits. They also delve into common pitfalls to avoid and provide strategies for protecting yourself from Social Security scams. Whether you are just beginning to think about retirement planning or are already navigating the complexities of Social Security, this episode offers valuable insights to help secure your retirement.

In this episode, find out:

·      When and how to apply for Social Security benefits to maximize your payout.

·      The impact of taking Social Security benefits before full retirement age.

·      How different types of income affect your Social Security benefits.

·      Strategies to avoid common Social Security scams.

·      The importance of accurate income reporting for your Social Security record.

Tweetable Quotes:

·      "Social Security is something you only apply for once, so it’s crucial to get it right the first time." – Radon Stancil

·      "Income from your investments doesn’t count against your Social Security benefits, but earned income does." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about different types of risks that can affect your retirement, including market risk, sequence of returns risk, and longevity risk. The hosts also delve into practical steps you can take to protect your retirement income and ensure your investments are aligned with your goals as you transition from working life to retirement. With real-life client stories, this episode provides valuable insights on how to safeguard your financial future.

In this episode, find out:

·      The importance of understanding and managing market risk as you approach retirement.

·      How to protect your retirement income through strategic investment planning.

·      The benefits of diversifying your investment strategies, including the use of structured notes and fixed income.

·      Why having a personalized de-risking plan is crucial for your financial peace of mind.

·      Common pitfalls to avoid when de-risking your portfolio, especially in times of market volatility.

Tweetable Quotes:

·      "De-risking your portfolio is not about eliminating risk completely; it's about finding the right balance that aligns with your retirement goals." — Radon Stancil

·      "A well-constructed retirement plan can help you navigate market risk, inflation, and longevity with greater confidence." — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the benefits of catch-up contributions, how to navigate the complex rules for 401K withdrawals after age 50, and the strategic opportunities available for Roth IRA conversions. Radon and Murs provide actionable insights to help you make informed decisions, ensuring your retirement documents are up-to-date and aligned with your financial goals. 

In this episode, find out: 

• The significance of catch-up contributions for those 50 and older. 
• Key withdrawal rules after age 59 ½ and how to avoid penalties. 
• How to take advantage of the age 55 rule if you plan to retire early. 
• The benefits and considerations of rolling over a 401K to a Roth IRA. 
• The importance of reviewing and updating beneficiary designations in your retirement accounts. 

Tweetable Quotes: 

• “Turning 50 opens up new opportunities in your 401K that can significantly boost your retirement savings.” – Radon Stancil 
• “Don’t overlook the power of catch-up contributions; it’s a chance to make up for lost time and enhance your retirement fund.” – Murs Tariq 

 Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

Listen in to learn about the best practices for storing and organizing tax documents, health care records, legal papers, and other essential files. Radon and Murs also touch on the importance of digital storage solutions and how they can help you save space while keeping your documents secure. Whether you're concerned about potential audits, inheritance rules, or just want to make sure your legal documents are in order, this episode provides practical advice that every retiree should consider.

In this episode, find out:

·      How long you should keep different types of tax documents and what to keep on file.

·      The importance of maintaining accurate health care records, especially for HSA accounts.

·      Key legal documents that you should store securely and ensure others know how to access.

·      The significance of asset and debt-related documentation, including real estate and retirement accounts.

·      The advantages of using digital storage solutions to manage and protect your essential documents.

Tweetable Quotes:

·      "Keeping your documents organized isn't just about decluttering—it's about ensuring you're prepared for any situation, from audits to emergencies." – Radon Stancil

·      "Having digital copies of your important documents can save you both space and stress, especially in retirement." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the different scenarios and strategies for Social Security spousal benefits. We’ll cover the impact of age differences between spouses, the timing of benefit claims, and the financial implications of these decisions. Whether you are nearing retirement or helping a loved one plan for it, understanding these benefits can significantly affect your financial security. We also discuss the importance of consulting with experts to navigate the many rules and changes in Social Security.

In this episode, find out:

·      How Social Security spousal benefits work and their eligibility criteria.

·      The impact of claiming Social Security benefits at different ages.

·      Strategies for maximizing Social Security spousal benefits.

·      The importance of the higher wage earner delaying benefits.

·      How survivor benefits are calculated and their significance.

Tweetable Quotes:

·      "Social Security is a big part of many people's retirement planning, accounting for about 30% of their expected income." - Heather Schreiber

·      "It's crucial to have experts in your corner to navigate Social Security's complex rules and ensure you make the right decisions." - Radon Stancil

Resources:

If you are in or nearing retirement and want to gain clarity on what questions you should be asking, learn about the biggest retirement myths, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Listen in to learn about the four main reasons why you should consider reviewing your annuity now. Radon and Murs break down the impact of higher interest rates, inflation, and unnecessary riders, and how significant life events can affect your financial decisions. This episode is packed with actionable insights to help you navigate these changes and secure a more stable financial future. 

In this episode, find out: 

• Why changing interest rates necessitate a review of your annuity. 
• How higher inflation rates can impact your annuity's performance. 
• The importance of evaluating unnecessary riders in your annuity. 
• How significant life events should prompt a review of your annuity. 
• Strategies to maximize your income and benefits through annuity adjustments. 

Tweetable Quotes: 

• "Interest rate changes can significantly impact your annuity's performance—reevaluate now to ensure you're getting the best return." — Radon Stancil 
• "Inflation rates have soared, but with the right annuity adjustments, you can still secure a strong financial future." — Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast. 

Listen in to learn about the details of these changes, including the lowering of out-of-pocket maximums and the elimination of the infamous "donut hole" coverage gap. The conversation also touches on the broader implications for Medicare beneficiaries, such as potential increases in plan premiums and the necessity for careful review of one's Medicare coverage in light of these changes. 

In this episode, find out: 

• Key changes to Medicare Part D starting in 2025. 
• The impact of the Inflation Reduction Act on Medicare beneficiaries. 
• The reduction of out-of-pocket maximums for prescription drugs. 
• The elimination of the Medicare "donut hole." 
• Strategies for navigating these changes and optimizing Medicare coverage. 

Tweetable Quotes: 

• "Potentially, the most that people are going to have to pay now in Medicare prescription drug plans is $2,000 out of pocket." - Shawn Southard 
• "This is the year you need to take a hard stop and review your Medicare situation." - Shawn Southard 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast. 

The conversation highlights the significance of having a comprehensive retirement plan that not only addresses financial needs but also considers personal goals and lifestyle choices. This episode is packed with expert advice and practical tips to help you achieve a secure and fulfilling retirement. 

In this episode, find out: 

• How to maximize your Social Security benefits 
• The pros and cons of different types of annuities 
• Strategies for long-term care planning 
• The psychological preparation needed for retirement 
• Tips for staying informed about changes in retirement laws 

Tweetable Quotes: 

• "Retirement is not just a financial journey, but a significant life transition that requires emotional preparedness." – Radon Stancil 
• "Understanding your Social Security benefits can make a huge difference in your retirement income." – Murs Tariq 

Resources: 

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! 

To access the course, simply visit POMWealth.net/podcast.